davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-16
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: NCB Management Services Inc. (MO)

In Accordance to the Fair Credit Reporting Act 15 U.S.C 1681 Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX  XXXX & NCB Management Services XXXX XXXX XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish without my written consent 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. a debt collector may not communicate, in connection with the collection of any debt 15 U.S.C 1692 806 ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2024-03-04
Product: Credit reporting 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. (MA)

I am writing to contest the presence of hard inquiries listed on my credit report, as detailed below. These inquiries were conducted without my knowledge or consent, and I am formally requesting their immediate removal from my credit file.
Consumer complaint received 2023-07-06
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. (IA)

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

XXXXXXXX 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 2021-03-08
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 (CA)

Financial Institution : Capital One Credit Card : VISA XXXX ( deactivated ) On XX/XX/XXXX, XXXX fraud charges labeled XXXX XXXXXXXX ( {$200.00} each, totaling {$410.00} ) on the account referenced above were detected by Capital One Fraud Team and confirmed by me as the card holder. Capital One deactivated the card, and immediately refunded the charges to my account. 

However, on XX/XX/XXXX, Capital One notified me by letter that their investigation led to no indication of fraud, without providing any specific reason. My account was again charged {$200.00}, twice. 

On XX/XX/XXXX, I called Capital One hotline to protest their reversal, and re-emphasized the transactions were not authorized by me. Agent of Capital One informed me that an error was made and that my account will be credited {$410.00}. This was also followed by a letter of confirmation from Capital One. However, as of today, no such credit has appeared in my account. 

On XX/XX/XXXX, I called the Capital One hotline again to follow up and was told that I need to resolve the issue with XXXX. So, I inquired with XXXX and told the XXXX agent that I did not authorize such transactions. XXXX informed me they found the transactions, but they are not linked to my XXXX account. This also confirmed the transaction is unauthorized by me. 

My XX/XX/XXXX call to Capital One was yet another frustration, after an agent told me she would transfer me to her supervisor, but instead the line was disconnected. 

On XX/XX/XXXX I sent a letter to Capital One Fraud Protection Department to reiterate that the transaction merchant is not recognizable to me, and the purchases were not authorized by me. No goods were delivered to me and no service was provided. I am the sole user of the credit card, and I have never given anyone else permission to use it. Nor did I authorize XXXX to charge this VISA account ; the transactions do not even show up in my XXXX account. The letter was received on XX/XX/XXXX according to USPS record. However, I haven't heard from Capital One in any format of communication ( phone call, email, or letter ) since.
Consumer complaint received 2023-06-13
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-08-21
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. (CA)

I closed my credit card account in XXXX was issued another in account in XXXX. The account that was close had {$43.00} credit new account with renewal fee open at {$49.00} which never received the bill because I never access the card XXXX. XXXX XXXX reported I was 30 days late on {$49.00}, I called explaining that on the close account I have a {$43.00} credit. Can you please add it to the new account and I owe you seven dollars they refused closed my account ruin my credit score I attempted to fax their fax machine for a goodwill adjustment. One of their employees stated their fax machine have been down from XXXX XXXX XXXX XXXX, and was re-working sometime in XXXX, I still have two bills that I just received in XXXX saying {$49.00} I owe one bill saying {$43.00} credit. They have ruined my credit I lost XXXX and something points and theyre continually reporting XXXX XXXX late on my credit report then they will re-reset and re-report a XXXX, XXXX I can not contact you because I do not have an open account. They are violating the FRC rules and I need to be compensated.
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (KS)

On XX/XX/2023 I received an Email stating that a hard inquiry hit on my credit report and a chase email saying my application for a chase credit card is being reviewed. I knew then that someone has tried opening up a credit card with chase using my information. I do not know how they got it but they did. I called Chase on XX/XX/2023 to confirm that an application has been made and they said yes and I told them I needed that application closed and the hard inquiry out of my credit report. The lady on the phone was sympathetic and did as I asked. She said ill have an email in 5-7 days regarding the fraudulent application. I felt that i needed to report this here as well.
Consumer complaint received 2019-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc. (NC)

Meridian Financial is reporting multiple debts on my credit report, from a time-share in Florida, called XXXX XXXX XXXX XXXX. We did sign some papers with XXXX XXXX years ago, but there is a 10-day right of rescission in Florida, and we rescinded the contract within 10 days of signing. We have never visited that property since, and their attempt to collect this debt is either an error or gross negligence.
Consumer complaint received 2020-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Toyota Motor Credit Corporation on multiple occasions has attempted to and did swindle money from me, theh wrongfully report false credit information on the credit Bureaus and has not let me access the online account of my second vehicle. Toyota keeps hanging up the phone and will not respond to the claims and proof we sent them over fax they acknowledged the fax once then changed the story after. They keep sending letters harassing me and my son on the matter
Consumer complaint received 2023-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Company isnt doing anything to fix the fraud charges on my statements and didnt give me the opportunity to send in a police report or anything else and denied my fraud claim. I never had a doordash account or order any fast food with this card and my credit card account was hacked by a third party and capital one isnt doing anything to fix the problem and resolve it so I can pay the rest of the bill XXXX responsible for half of the charges not the full XXXX and I refuse to pay for this .. unless I have my dispute rights back and they are violating it I will take possible legal actions against capital one for this..
Consumer complaint received 2017-01-24
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2017 Bank of America represented to me, through their collections and foreclosure specialist XXXX, my property has been conveyed. When I asked for clarification as to what, exactly, does " property conveyed '' means I was told it meant Bank of America is in possession of the property. This is not true as I currently reside in and occupy the property as my primary home and place of shelter. I immediately informed Bank of America of this fact directly to their representative, XXXX. I also requested that this information be added to the remarks on the account to reflect Bank of America is not in possession of the property and that title has not been conveyed, if " property conveyed '' has ever been intended or represented to mean or imply that a Trustee 's Sale of the debt associated with the subject Deed of Trust conveys title and, therefore, ownership of the real property. 

In the State of California, in order for the bank to take possession of real property without the consent of the possesser or owner, the bank or one who has a claim of ownership currently not in possession of the real property, must bring a private right of action through California Superior Court. Otherwise, the current owner and possesser claims of right to title and ownership go uncontested and without issue. At present, this would mean I remain the current owner and retain ownership and title of the subject real property. 

XXXX Requirements are as previously stated and are to include the following : Prior to recording a Notice of Default ( NOD ), the bank or servicer must certify, under the penalty of perjury in a statement affidavit or declaration to be included as part of the NOD, a new and complete review of the account records have been conducted to determine Dual Tracking violations have not occurred. Once this review has been completed, the bank or servicer must maintain this certification so as to be current, true, and correct up to and though the date of recording of the NOD. If the bank or servicer can not determine if Dual Tracking violations have occurred or Dual Tracking violations have occurred, then no NOD may be caused to be recorded until a determination can be made to certify and declare Dual Tracking violations have not, in fact, occurred related to the account, borrower, and property to date. If it is determined Dual Tracking violations have occurred, steps must be taken to resolve dual tracking conflicts without penalty or detriment to the borrower whatsoever. 

All previously mentioned resolutions are desired and mandatory.
Consumer complaint received 2020-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AR)

I have submitted numerous disputes to XXXX  since XX/XX/2018 and 3 method of verification requests. 
To date I have not received any information they have complied. 
Keep sending investigation results : Dispute file # XXXX Verified as accurate : The disputed item was verified as accurate, Dispute file # XXXX disputed info updated and other info updated, Dispute file # XXXX verified as accurate and updated. 
I have asked them to comply with my method of validation requests and/or send me a copy of something factual XXXX XXXX has sent them to base their reporting on or delete this derogatory information XXXX XXXX is submitting to them. 
I have sent countless requests to XXXX XXXX for debt validation and they have continued to report since XX/XX/2018 negative un-validated monthly updates to all 3 credit bureaus. XXXX  and Experian state they are still investigating. XXXX needs to be driven completely out of business.
Consumer complaint received 2016-10-27
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

This home was foreclosed on years ago and sold at auction. Yet, the 2nd mortgage is still currently updating and reporting a balance. They sent me a letter in regards to the auction sale years ago, but had not contacted me since. They should not be reporting a balance or updating recently on my credit!
Consumer complaint received 2015-11-12
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I initially gave a merchant a down payment on Capital One MasterCard for the installation of a wood fence on my property. The fence was not completed but the company charged the remaining balance to MasterCard without my approval. I immediately contacted Capital One and they initially charged back the merchant I sent in a statement and an estimate for the completion of the fence by Capital One stated that they did not receive the estimate by the deadline. When I called Capital One about this they then stated that the estimate was not legible and closed the case. I called again about this charge and was told that since the dispute was closed MasterCard will not look into my claim again. MasterCard knowingly gave a crooked merchant unauthorized money after being told to stop the payment. I was ripped off by a thief with MasterCard 's help.
Consumer complaint received 2017-05-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (GA)

On    XXXX   XXXX     2017   I  called Convergent Outsourcing and spoke to  XXXX   XXXX  ext  XXXX .. I explained to him that I a collection account on my credit report and need explaination of the debt due to me trying to buy a house I was needed to resolve this. He told me of the sum of {$730.00} and offered me a settlement of  XXXX .. I explained to him that I would like for some documentation showing the debt and where the charges came from because I was unaware.. he explained to me that he would send me documentation to verify the debt in the mail. I gave him my mailing address and said that I would be in contact with him after receiving the documentation. I gave it more than 45 days to receive and never receive anything. I then proceeded to dispute this with the credit bureau because I do believe that this is unjust and after I disputed this with the credit bureau I received a letter from Convergent stating " Based on the information you provided us for your credit reporting dispute we have completed our investigation and reported back to the credit report agency '' ( letter attached ). VERY vague letter and not at all resolving the issue. First and foremost this debt was NEVER verified as a debt of mine. Second of all  XXXX   XXXX   (  rep for  Convergent   )  did NOT follow protocol in sending information to myself the consumer with the information regarding the charges and balance. And also, there was NOT information given to the credit bureau except that it belongs to me and that is untrue. Fair Credit Reporting Act states that if ask the creditor or collect agency has to give documentation or proof of debt if ask by the consumer. It is unlawful for  Convergent  to demand payment on a account that the y have YET to p roof any information to me. I 've been a victim of identity theft and I 'm all to familiar of how this goes. I need this resolved as soon as possible in order to continue the process of purchasing a home for my family. I 'm requesting th at Convergent  send ALL documentation verifying the debt from the original creditor and in the event that it is invalid that the account is closed and deleted from my credit report from all agencies.
Consumer complaint received 2023-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I bought a reservation for a camping pass in XX/XX/2023 with my Capital One Card. The Camping was for XX/XX/2023. The seller has a strict no refund, no cancellation, no date changes policy to the booking for the consumer. 2 weeks before the reservation, the vendor sent me an email that they were overbooked for that date, so made me pick a new date the following year. Capital One sent me a decline letter because its been more then 60 days since the charge. But according to XXXX 's own policy, I should have up to 60 days from data that services were supposed to be rendered. In addition, the bank is saying that seller has a no refunds policy so declining my dispute. But the seller broke their own terms and conditions of " No changes '', and in fact, the seller sold me services they didnt have ( overbooking ). Please help with this fiasco. The seller made the error by overbooking not me!
Consumer complaint received 2019-04-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

I submitted a credit report collection item dispute over the phone with Equifax. The dispute was for an old collection item that was related to identity theft by XXXX XXXX XXXX. To my surprise, Equifax penalized me for disputing the item and dropped the score 10 points! When I tried calling in to get assistance and request the investigation be cancelled, none of the 3 reps could verify my personal information. I called three times on XX/XX/19 and each time I provided my information the reps claimed they couldnt verify my report info! This is extremely frustrating and it should be illegal for them to penalize consumers for fixing items on their report.
Consumer complaint received 2020-06-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MA)

In XXXX I became the Executor of the estate of my father. Shortly after his death, the home he owned that I was moving into suffered two catastrophic water damage claims. One took place in XX/XX/XXXX with almost every pipe bursting and the second was a tree falling into the roof in XX/XX/XXXX. Insurance was in place and paid for and claims were made through the insurance company. 

The mortgage was owned by XXXX XXXX  and sold to Bayview Loan Servicing in XX/XX/XXXX. The mortgage was current at the time of XXXX loss and there was a mortgage protection plan in place that pays off the mortgage in the event of the death of a borrower. I have a separate complaint to CFPB regarding this issue. 

When the insurance company started issuing repair checks, Bayview was a co-signer. They wanted to do a monitered payment program. This is a XXXX XXXX loan and I complied. I was also in a payment plan with Bayview but intentional delay tactics by Bayview and unfair lending practices has waylaid my ability to continue. A lawsuit is pending on this course of action. 


I contacted Bayview to ask for the monitored payment arrangements to stop on the insurance checks. They were requesting extremely difficult measures in place in order to complete the repairs. I contacted them weekly to explain that contractors in my area refuse to work for free then hope I pay them 3 months later. Bayview Loan Servicing refused to try to find contractors despite my numerous attempts. I had 13 contractors come to the house to give estimates but only one took part of the repair work. Bayview took 5 months to pay that company. No one else will work on the house. 

I have communicated in phone calls, emails and certified letters that I am current according to their payment plan and that they are disobeying XXXX XXXX guidelines in holding onto the repair funds. They are also causing increasing damage to my home because of their intentional delay and impossible guidelines to hire free workers. 

Bayview states that while I am current, the loan was not at the time of loss. Both signers on the loan ( my parents ) died in XX/XX/XXXX and XX/XX/XXXX. The mortgage again, was current in XX/XX/XXXX at the time of the loss and I was entering into their payment agreement in XX/XX/XXXX. 

I'll remind you again that Bayview Loan Servicing should have never received the loan from XXXX as it was fully protected by a mortgage insurance clause. 

This is all grossly unfair. They have caused tens of thousands of dollars in mold damage and repair work than existed due to their intentional acts in disobeying XXXX XXXX guidelines.
Consumer complaint received 2023-07-06
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. (MD)

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 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.