davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have repeatedly disputed this account, the charges that led to the charge off and ultimate attempts at collecting this debt are a result of identity theft. Capital One continues to validate this debt and mark it as Dispute Resolved with the Credit Bureaus, even though they have ceased collection activities and the collection account was removed from my credit. IF THEY REMOVED AND CEASED ACTION ON THE COLLECTION ACCOUNT WHY DOES THE ORIGINAL ACCOUNT STILL SHOW ON MY CREDIT? Why am I being punished by FRAUD!! No one else must repeatedly dispute an account, my friends have told me a simple phone call usually suffices with Capital One, why do I have to write them and send it certified mail and incur more expenses? What makes my case any different from the other people who have had Identity Theft issues?? I feel like my rights may being violated in so many ways. The FDCPA and FCRA are very clear on what YOU must do in this event I am requesting yet again that you DO YOUR JOB! And delete the following account IMMEDIATELY, as per my rights under federal laws!!!
Consumer complaint received 2020-02-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I contacted Bank of America inXX/XX/2019 to report my original mortgage was written incorrectly. It is a two-family, as detailed in the deed, but only my apartment is listed in the mortgage, originally with countrywide. I pointed this out to Bank of America and it sent me correction papers, which included the ability to change my name on the mortgage back to my maiden name and take my ex-husband off the mortgage. all these things are correctly stated in the deed. 

I sent all documents, signed back to Bank of America, on XX/XX/2019 and as of now they can not find the documents ( I had to send the documents to the representative!! ) and can not acknowledge I can do any of these corrections without refinancing! This was not stated to me before. The man who is helping me is very elusive and will tell me nothing! I want to know what is going on! 

Bank of America made this offer to me, without having to refinance but they will now not answer me definitively!
Consumer complaint received 2023-01-21
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: EQUIFAX, INC. (FL)

I have been calling XXXX to remove these 2 inaccurate addresses on my credit report for a while now ( XXXX XXXX XXXX XXXX XXXX, FL XXXX ) and ( XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX and Equifax regarding removing these inquires now XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX and i have been asking for them to show me to show me steps and process they are taking to look at my case and i have not yet received any updates or mail regarding my issue, and at this point I feel my rights are being violated and this is why I came to the CFPB for help. The Credit bureaus violated these laws 15 U.S.C 1681 section 602 A. States I have the right privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before expiration of the period under section 611 ( a ) ( 1 ). ( 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 is found to be inaccurate or in complete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, modify that item of information, as appropriate based on the results of the reinvestigation : and ( ii ) promptly notify the furnished of that information that the information has been modified or deleted from the file of the consumer. (
Consumer complaint received 2020-02-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Machol & Johannes, LLC (CO)

Machol & Johannes , LLC put a levy against my bank account without serving me on the suit. I was never once contacted by them, even though they claim the attempted to serve me multiple times. I travel for work and between that and other obligations I am rarely home. They claimed I received the papers on XX/XX/XXXX but I never once spoke to a person, received notice or even mail from them. 

They have frozen the funds in my bank account ( {$1900.00} ) all of the money I have to pay my bills and live. 

They email they had given me is returning as blocked, when I was trying to reach out to the company to provide all the documentation and paperwork.
Consumer complaint received 2023-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

On XX/XX/XXXX, I overpaid Costcos Citi Visa card by {$20000.00}. I have desperately worked to get this money back from Citi Bank in order that I can pay XXXX XXXX instead. I have been delayed, lied to, delayed again and put off. 

Meanwhile, XXXX  XXXX is charging interest on this amount which I actually owe to them. Citi claims they cut a check to me finally on XX/XX/2023. I should have had it by yesterday at the latest and of course I do not. They sent through snail mail. I asked them yesterday to send it electronically which takes 2 days. 

They said they can do that but it will take another 7 to 10 Business Days to do that which we all know is a bunch of BUNK!!!! 

They are using my money and dont want to send it back to me. I can see on XX/XX/XXXX where they backed the money out of my account but I still dont have it. Meanwhile XXXX XXXX is charging interest on. This money that Citi refuses to return to me Will you please light a fire under Citi Bank and force them to return my money AND PAY THE INTEREST Im being charged at XXXX  XXXX? 

I appreciate all help you can give me.
Consumer complaint received 2020-02-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

Hello, XXXX XXXX This is a reference to a dispute for account XXXX XXXX with FAIR COLLECTIONS & O. The original Creditor is XXXX XXXX  BY XXXX, an apartment leasing company, Situation : Hello, I applied for an apartment with XXXX  paying a {$75.00} application fee. I was told that I did not meet the income requirements for approval and that no charges were due. So I continued my search. 

I later received an email stating I was approved for the apartment with a guarantor and that a {$1000.00} charge was due ( deposit, admin fees, locks ) or the account will go to collections. I had no guarantor. 

I called the company and advised I was told that my application was denied so I began to search elsewhere. 

During my phone conversation, the agent demanded that I pay the security deposit and associated fees for the approval with the guarantor. Again, I had no guarantor. 

I asked why was the denial reversed and why did I suddenly have a {$1000.00} charge. I was told my application was approved if I could find someone to co-sign. I advised I did not have a guarantor, nor was a third partyguarantor associated with the application. I am a single woman. This was denied because I did meet the income requirements. 
The leasing agent became predatory, stating I owed {$1000.00} for approval with a guarantor. I told the company there was no guarantor however they stated I owed them money. 

Dispute : The company denied the application because I did not meet the income requirements. This company later fraudulently approved an application in which I did not qualify to collect {$1000.00}. I have not signed a lease, moved in, or shown any interest in leasing with this company after I was told I was denied and told no charges will be due. 

The company claims I owe the money because this application was changed from denied to approved if I can find a co-signer, which I did not have. 

Resolution : I am seeking a resolution to have this removed from my credit report. This application was denied due to my income, which means no fees were due and that I am not obligated to pay for a deposit, admin fees etc. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

XXXX & XXXX XXXX were not authorized to pull my credit and have yet to send me proof that I approved a credit pull. This hard pull remains on my Equifax Credit Bureau Report as of XXXX XXXX  CT on XX/XX/21, which is 51 days from XX/XX/21. After many disputes, why has the XXXX XXXX XXXX XXXX XX/XX/21 hard credit pull not been removed? No evidence such as a voice recording, email, or other legal means proves that I authorized the credit pull. Would you please do a full investigation and send me the results? See attachments for more information.
Consumer complaint received 2024-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 :
Consumer complaint received 2024-03-15
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. (GA)

I am writing to lodge a formal complaint regarding the inclusion of unauthorized accounts on my credit reports held by XXXX, XXXX, and TransUnion. Specifically, I demand the immediate removal of the following accounts : XXXX XXXX XXXX XXXX  XXXX, and XXXX XXXX. Despite these accounts being verified, no method of verification was sent to my address within the mandated 15-day period.

This failure to provide proper verification leads me to suspect potential identity theft, as unauthorized non-consumer report information has been added to my credit files. I am granting the credit bureaus a generous 30-day window to remove these accounts. For each additional day that these accounts remain on my report beyond the allotted time frame, I will be charging the credit bureaus XXXX XXXX dollars per day. 

Furthermore, I will be reporting this incident of identity theft to the Federal Trade Commission ( FTC ) and the Internal Revenue Service ( IRS ) for further investigation. 

I expect immediate action to rectify this matter and prevent any further damage to my credit and financial well-being. 
XXXX XXXX XXXX XXXX as well
Consumer complaint received 2023-01-20
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. (GA)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX, 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 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 2021-09-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (IL)

On XX/XX/XXXX I received a marketing email from Mr. Cooper mortgage stating I could save {$28000.00} if I refinanced my existing mortgage I have with them to a 15 year mortgage at 3.375 %. 

Mr. Cooper fully knows my existing mortgage is already a 15 year mortgage at 3.75 % and a remaining balance of {$70000.00} ( original loan amount {$190000.00} ). Pray tell me how I can save {$28000.00} over the life of a mortgage when the proposed interest rate differential of just .375 % represents an annual savings {$260.00} on a {$70000.00} balance which if I somehow were to save that much every year for 15 years would only be about {$4000.00}. Reality is the savings would only be about {$2000.00} due to declining balances over the 15 years. 

Mr. Cooper also knows I have only 5 years left in my mortgage if I made minimum payments. Mr. Cooper also knows I have been paying $ XXXX in additional principle each month for well over a year and slightly lesser amounts in previous months. At my current pace I only have 3 years left and the total amount of interest left if i continue at my current repayment rate is only {$4000.00}. My closing costs to refinance alone would probably approach the {$4000.00} figure. 

The claim I can save {$28000.00} is fallacious and abusive to consumers. This doesn't even pass the XXXX test. I can't fathom how whatever calculation method they are using passed muster with their compliance and or legal teams knowing the risk involved under UDAAP. 

I want Mr Cooper to cease and desist from this marketing campaign until the CFPB is fully satisfied that proper audit and screening procedures are put in place to ensure the accuracy of savings claims they put in front of their customers.
Consumer complaint received 2019-01-27
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: ERC (MO)

So I have ask this company XXXX XXXX for validation of this debt, thru a dispute process with the CB, and have yet to receive documentation that I opened or am the responsible party for the XXXX dollar debt reporting as a tradeline on my credit file. I have ask for a sign contractual agreement between myself and the company they are collecting for and will not accept anything other as validation.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear Consumer Financial Protection Bureau ( CFPB ) Team, I am seeking guidance and support regarding the removal of fraudulent items from my credit report. I have recently discovered several accounts that were opened fraudulently in my name, and despite my best efforts, I have been unable to get them removed, and I don't receive any replies or feedback regarding these issues. XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX/2023 XXXX XXXX/2023 XXXX XXXX XXXX XXXX/2023 XXXX XXXX/2023 XXXX XXXX XXXX/2023 XXXX XXXX XXXX/2023 XXXX XXXX/2023 XXXX XXXX XXXX2023
Consumer complaint received 2022-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat af payment on a credit card account under d + open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-02-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (AZ)

I received my settlement check from the University of XXXX  and deposited into my savings account on XX/XX/XXXX. At that time, the teller released {$200.00} and stated that {$4800.00} would be available XX/XX/XXXX and the remaining XXXX on XX/XX/XXXX. Today is XX/XX/XXXX and I went to the bank to meet with a banker regarding opening a checking account with some of the funds that should have been available. He stated that the back-end office put an additional hold and not only is the {$4800.00} not available but now I have to wait until XX/XX/XXXX to receive any of my money! The banker called XXXX XXXX ( who issued the check ) and they stated that the account of the issuer was good and had the funding available but the back still refused. I do not think that I should have no access to my money for this length of time when the university, lawyers from both sides of my case, and the issuing bank Can verify the check is valid and payable. At least XXXX should have been made available. I need assistance in resolving this issue.
Consumer complaint received 2023-06-14
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. (FL)

I am submitting this Complaint to demand that the Credit Reporting Agencies correct their reporting on my Credit File. It has been brought to my attention that the Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. My information has been exposed in the XXXX data breach. The following account, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. Also this account was previously removed and yet the Credit Bureaus reinserted the account without letting me know. Under the Fair Credit Reporting Act, the Credit Bureaus are required to let the Consumer know about an account 's reinsertion on their Credit Files, however, the Credit Bureaus disregarded these responsibility and continued to reinsert the account without my knowledge. I need the Credit Bureaus to correct their reporting and Completely remove the disputed account off of my Credit File as soon as possible. The account XXXX XXXX account number XXXX with an alleged Balance : {$15000.00} must be removed completely from my Credit File for erroneous and misleading reporting.
Consumer complaint received 2023-05-12
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. (CA)

No contract Section 604 ( a ) ( 2 ) allows CRAs to furnish consumer reports in accord with the written instructions of the consumer to whom it relates. Late payment reported Negatively impacted Issue not resolved after multi attempts Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Gap a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. ( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers. ( c ) Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. ( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce. ( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. Please review I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( m 281 SW 715,719, I presume that no proof of the alleged! debt, nor therefore any such debt, in fact therefor exists. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX