davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I invoiced two clients, a technology  XXXX company and a registered LLC Farm in CA for whom Ive done XXXX work this Summer as an XXXX  XXXX. 

One check was deposited on XX/XX/XXXX in an ATM, the other was deposited XX/XX/XXXX using mobile deposit on the Capitol One app. 

After depositing checks to my brand new Capital One checking account, Capital One personnel, without my knowledge or permission, contacted my client ( s ) on XX/XX/2021, asking if they would verify checks written. The female who contacted my client refused to identify herself by name. Because the Clients cellular phone number was unlisted, the caller ID 's were identified as SPAM RISK and because Capital One was not my clients bank, my client refused to disclose any information to Capital One Banks personnel ; Capital One Bank deposited the checks ( both valid and both immediately settled ) and then immediately blocked, closed or otherwise disabled my account. This intentional action on the part of Capital One bank has deprived me of my income, and knowingly locked up funds, which Capital One Bank knew would not be returned to the maker, and would not be accessible by me, the valid account holder. 

My understanding is that if a bank deposits funds into a closed ( or effectively closed, blocked or locked ) account, they must by Federal Law, return those funds to the maker. Capital One had refused to comply with this basic premise. 

Capital One bank has refused to return the funds to the writer of the checks, and has refused to send me ( the rightful owner ) a check in the amount of the balance indicated in my account that they have locked for no valid reason, intentionally withholding funds that do not belong to Capital One bank. Personnel at Capital One bank stated to me directly over a phone call that since my client, XXXX XXXX, did not cooperate with them, they have blocked, closed or otherwise locked my account. 

-- I have repeated called Capitol One to try and resolve this issue, spending many hours on the phone starting on XX/XX/2021. I have only received two email updates about my account being restricted, see attached.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-11
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-10-06
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: Westlake Services, LLC (CA)

i had a predatory vehicle loan from westlake financial and i voluntarily gave them the location of vehicle in exchange for voluntary repo on credit file.. westlake financial purposely puts comments on my credit report every couple months and it makes my score go down. this is a closed account and the car dealership that sold me the vehicle shut down in the middle of the night due to fraud allegations. they are saying that they sold my vehicle at auction for XXXX when it was a brand new car? i have disputed this account on my credit report since it appeared there and have asked numerous times to be shown proof of sale price at auction for my vehicle the company is rude and will not send me proof of sale amount because that is supposed to be taken off my loan amount. it should also be noted that the company had me sign the loan documents for my husband because he forgot to sign in a couple places. now westlake financial is putting their own statements in my credit report asking anyone looking at my credit report to contact them about my derogatory account.. how is that even possible for them to do and they will not give me any information on the sale of vehicle. this account has been closed now it shows as a balance in my total credit on report.i have disputed numerous times and now they report on credit report every month.,. i am being harassed and my credit report being played with on purpose by westlake financial and the credit bureaus. i bought the car for XXXX and they say i owe XXXX after the proceeds from the auction which is not true. i called westlake and all they kept asking me was when i was gon na pay my debt still havent recieved anything about the auction .. this is very unprofessional for them, to do and we were tricked by the car dealership also .. the car was sold as a take over payments when i couldnt afford the payments but the guy i sold car to never made a payment and sent me fraudulent copies of money orders showing he paid it every month. thats when i found out and contacted them to tell them where to find vehicle to repo it. that wasnt my fault but they should of done what they promised that showed i helped them recover vehicle.. i am besides myself seeing that they have a comment on my report for anyone to contact about a closed account on my file.. i want to go to the highest level of appeal on this matter as i have stated since day one.
Consumer complaint received 2021-10-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc. (MS)

United Collection Bureau is trying to collect a debt passed down from XXXX XXXX XXXX Bank that was a result of identity theft. I have a police report and claim number for this case. This company sent me a letter in the mail asking me to settle for something that I field as theft. This is harassment at this point because I am not responsible for the debt. The complaint number tied to this case was originally sent to XXXX XXXX XXXX Bank until I got a notice in the mail from United Collection Bureau. The original complaint number is XXXX back dated to XX/XX/2021.
Consumer complaint received 2021-10-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I disputed with the credit bureaus, telling them I was a victim of identity theft and that these accounts are not mine, therefore it should be removed. But I never received a response, it has been 60 days since then. Please help
Consumer complaint received 2021-10-07
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc. (NY)

I have checked my consumer credit reports and it appears that an account from EOS CCA has appeared on my credit report for an alleged amount of {$990.00}. I am asking for full proof of accounting and documents that show the accuracy of this reporting. : I am asking you to provide proof of me having a contractual relationship with your company and that I am liable for this alleged obligation. I would be happy to enter any agreements with you on the following conditions on everything set forth in this complaint. I can send this information certified mail with a return receipt and include an affidavit of truth notarized, signed under Penalty of Perjury, as well. Pursuant to 15 USC 1681b ( 2 ), no accounts should be reported without the WRITTEN PERMISSION OF THE CONSUMER. THE ONLY ADDRESS THAT SHOULD BE LISTED IS XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX. NO OTHER ADDRESS SHOULD BE LISTED ON MY CONSUMER CREDIT FILE. THE NEXT NOTICE WILL BE SENT CERTFIED TO ENSURE YOUR PROMPT RESPONSE IF THERE IS NONE TO THIS DOCUMENT. I am requesting that EOS CCA substantiate the claims made there under for XXXX XXXX in order to properly verify its summary and/or claim. The following claims made thereof can be substantiated by submitting the following pieces of information and/or instruments of indebtedness. 1. Proof of the existence of an alleged account and/or contract in the actual flesh and blood name of for XXXX XXXX duly signed and witnessed by both parties and both seals, not a unilateral agreement and upon which signed page there is reference to the entire agreement. 2. Proof of claim that the agency listed for the claim is the current holder of the original note above mentioned alleged debt instrument and that it is not been on-sold to another party. 3. A true certified copy of the actual accounting whereby bank essay has incurred a loss of the alleged debt with accordance to the General Accepted Accounting Principles ( GAAP ). 4. A True Bill inked in blue with Bill and value marked upon it's face and not a statement for any amount of money allegedly owing or owed to bank essay by for XXXX XXXX that conforms to the Bills of Exchange Act and the Trust and Loans Company Act and has not been endorsed by a federal agency with pursuant to the Financial Administration Act and the Bank Act. 5. Proof of claim that there is any lawful money in circulation in the involuntary bankruptcy of United States backed by anything of value*. In addition to the above, the credit reporting agency is portraying itself as a credit bureau, when according to federal law, the only bureau is the Consumer Financial Protection Bureau. That is a false and misleading representation. Violations through 15 USC 1681 and 15 USC 1692, with consumer liability under 15 USC 1681n and 15 USC 1692k.
Consumer complaint received 2021-10-07
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. (NY)

My personal information has been stolen, I am submitting my ID, Identity theft report and Notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.
Consumer complaint received 2021-10-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc. (CO)

I paid my bill in XXXX payment of {$600.00} on XX/XX/2021, and {$150.00} on XX/XX/2021 and XX/XX/2021 {$300.00} and XXXX XXXX payment of {$220.00} and a final payment of {$46.00} on XXXX XXXX and in XXXX they charged me a finance charge on a XXXX balance and then told me that it was a legitimate charge and that I had to pay it, I didn't pay it so they charged me another fee of {$4.00}. So I paid it on the XXXX due date to close the account, well they proceeded to charge me another late fee of {$2.00} and when I told I paid the account on time, they told me that I would have to pay this charge because I have to pay XXXX bills on time consecutively. I have read their fine print of charges on the back of my statement and there is nothing that states that I have to pay XXXX payments consecutively or that they will charge me more interest fees. I have spoke with them and they said they would remove the charge and I have checked the account and they have not removed the charge. This card has been closed since XXXX.
Consumer complaint received 2021-10-07
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: M2 Law Group PC (ID)

I actually never received anything from this company regarding a debt owed. However, several weeks ago, I received a letter from M2 Law Group PC about this debt owed and they supplied paperwork. Maybe my complaint with with the payday loan place but I also have a complaint with M2 Law Group PC. http : XXXX I believe under the FDCPA, you are not to imply you are a lawyer. However, this is a law group attempting to collect the debt. Their letterhead reads : M2 Law Group PC, Attorneys at Law, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, ID XXXX. At the bottom of the letter text reads, " ... and any information obtained will be used for that and other purposes allowed by law. '' Well, I have called and left messages twice with the law firm AND I submitted my information through their website 's Contact form. I have yet to receive a response. I have recorded my attempts. I just do not want to get blindsided with a lawsuit as I have attempted to contact them and make arrangements. Now I'm worried this company is not legitimate and not working for the XXXX XXXX company but XXXX have purchased the debt.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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. 

Account XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 2021-10-07
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. (NC)

I have sent several dispute letters to Equifax all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. I keep getting a response from them saying they are unable to locate my credit file and need additional information even though I already provided it multiple times via certified mail. The company has been in violation of the FCRA for over 150 days now and I would like some action taken to get this resolved. My patience is wearing thin and I am about to file a lawsuit if this does not immediately get resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved. Please take a look at the information I am sending. This is the last time I am sending this information to you. If Equifax continues to fail to look into this matter then I will hire an attorney and use the law to the maximum extent. Please resolve this as soon as possible!
Consumer complaint received 2021-10-07
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. (FL)

Please help me understand something, Ive been a victim of identity theft. The following accounts on my credit report are fraudulent. 
1.XXXX  XXXX in the amount of {$500.00}. Ive never done business with this company nor did i ever enter into a written agreement with this company. XXXX has ignored my request to validate this debt. It has been deleted from all of my other reports. Per FCRA Only accurate information can be listed on my reports. 

2.. XXXX XXXX XXXX XXXX in the amount of {$2500.00} this is a fraudulent account, which was removed from my file earlier in the year. This Account is Fraudulent!! This company never sent me a letter stating they would be placing this on my report, which is a violation per the FCRA, This account is Fraudulent, Please Block/Delete from my report!! Ive never done business with this company or entered into a written contract with this company.
Consumer complaint received 2021-10-07
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: WELLS FARGO & COMPANY (CA)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.
Consumer complaint received 2022-09-18
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX # XXXX, XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # 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 2021-10-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (NJ)

I applied for a home loan with Better mortgage received my preapproval XXXX was set to close XXXX. I own XXXX XXXX but I receive W2 income and my middle credit score is a XXXX. My loan officer XXXX XXXX along with the processor working on my loan file was very difficult to work with, for one they never answer the telephone, never return calls and do everything via email with of course two to 5 day delays in between. They have asked for repeat documents that were sent to them 3 and 4 times. I sent in my W2 's, current paystubs, bank statements showing my income yet they continued to ask for business documents which I also provided on numerous occasions. I provided the profit and loss statement for the business showing the income that comes in and goes out along with the balance the business currently has which is my operating income. There is no negative income balance on the XXXX XXXX & XXXX and again I am a paid employee of the business. Payroll documents were never asked for but I did provide my paystubs, and W2 's. My LO asked me for the bankruptcy documents which I immediately provided showing my chapter XXXX discharge was over 10 years ago, I also provided the documents showing the house that I owned at the time was given back to the bank in the chapter XXXX not foreclosed on. My LO missed my closing date of XXXX by coming back asking for repeat documents once I provided the documents and asked for my new closing date he wouldn't reply and neither would the processor. I emailed them both along with the manager on the email who also never replied to my emails. Only to receive a letter via email last week stating my loan has been denied due to insufficient income, which is a lie. This company is unethical, unprofessional, and use dirty tactics to bring in business off of expectations they know they can't meet causing me much pain and suffering and loss of deposit funds, inspections etc. Based on my personal bank statements, paystubs, W2 's and tax returns you can see I have more than enough income to support the loan. I would like a copy of the LO worksheet used to pre-approve me along with the XXXX findings. I would also like a copy of the underwriters income worksheet that shows my debt to income ratio to support the denial.
Consumer complaint received 2021-10-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I initially sent letters to XXXX, XXXX, and TransUnion on XX/XX/2021 to request some information on my credit report be investigated. I did not receive a response in the 30 days allowed so I sent another letter on XX/XX/2021 with the same request and also advising they have infringed on my rights as a consumer. I have not received a letter in response to any of my investigation requests. Please help me to resolve this matter. Thank You
Consumer complaint received 2021-10-07
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: ADIR INTERNATIONAL LLC (CA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CURACAO ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.