davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Dear Capital One, I am writing to you again in disbelief that Capital One would deny its legal status as a consumer reporting agency ( CRA ) under the Fair Credit Reporting Act ( FCRA ). At this point, your contrary claims can only be characterized as a willful disregard for the unambiguous language and decades of case law interpretation of the FCRA. 

Let me reiterate in full detail exactly how Capital One irrefutably qualifies as a CRA to avoid any possibility of further confusion or misrepresentation on your part : Under 15 U.S.C. 1681a ( f ), a CRA is defined as " any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties. '' It is indisputable that Capital One furnishes consumer credit data, including payment history and account balance information, to XXXX, XXXX, and XXXX on a regular basis. Furnishing such consumer reports to credit bureaus is considered " engaging ... in the practice of assembling or evaluating consumer credit information ... for the purpose of furnishing consumer reports. '' XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ). 

Further, multiple circuit courts have affirmed that this definition of a CRA includes furnishers of information like XXXX. See, e.g., XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ; XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX ( XXXX XXXX. XXXX ). 

To remove all doubt, the Federal Trade Commission 's ( FTC ) official commentary on the FCRA definition of a CRA explicitly states that furnishers of information, such as creditors, landlords, and employers, meet the definition : " they are CRAs and they must comply with all applicable requirements imposed by the FCRA and its implementing regulations. '' XXXX XXXX XXXX XXXX, XXXX. 

The inescapable truth is that by furnishing consumer data to XXXX, XXXX, and XXXX, XXXX XXXX in every sense " regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information... for the purpose of furnishing consumer reports '' and thus qualifies unequivocally as a CRA under 15 U.S.C. 1681a ( f ) with all attendant legal duties. 

To continue denying this legal reality exposes Capital One to serious liability, including potential FTC enforcement actions and class action lawsuits. I urge you again to acknowledge the facts and remedy your non-compliance without further delay. My detailed outline of the law leaves no room remaining for doubt or excuse. Please advise how you intend to properly address my dispute in accordance with your FCRA obligations as a CRA.
Consumer complaint received 2017-05-30
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. (OK)

Family Member obta ined loans fraudulently, has subsequently been prosecuted and is serving a  XXXX  term for the crime. Despite numerous submissions of documentation to support this, creditors and credit reporting agencies continue to report inaccurate information causing severe damage and undue hardship with expenses related to higher rates and premiums. Unable to afford further legal fees - desperately seeking resolution.
Consumer complaint received 2021-12-01
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. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself. I have been patiently waiting on Transunion 's response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : ( XXXX XXXX, XXXX XXXX XXXX )
Consumer complaint received 2018-05-02
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LD Holdings Group, LLC (NJ)

My XX/XX/XXXX payment was not made before XX/XX/XXXX due to an accounting error on my part. I make my mortgage payments over the phone every month and when the bank sought to withdraw the funds from my checking account, there was an insufficient amount due to my own accounting error. I entered into a payment plan agreement with the bank whereby my missed payment was broken up into 5 monthly sums in addition to my regular payments. I made my payments as agreed upon. The bank noted both my and my wife 's credit report as delinquent for six straight months while I was making the payments both me and the bank agreed. This action on the bank 's part has undoubtedly effected both of our credit reports in a most negative fashion. I do not think it is reasonable for the bank to saddle us with six delinquent notations on our credit reports when it was only one payment missed.
Consumer complaint received 2023-03-21
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: T.S. Holdings (OK)

On XXXX I received a letter from IQ Data International, the letter was dated XX/XX/XXXX of 2023. So for some reason I received the letter a month and a half later. The later stated I owed around {$1500.00} to my old apartment complex. I called on XXXX and left a voicemail saying I was confused as to what was going on, I moved away from there 2 years ago. On XXXX I was called by an employee named XXXX, who was nice at first. When I asked what I was being charged with he summed it up by saying 'turnover charges ' and then later when questioned again he said I didn't pay my last month of rent either ( {$520.00} ) .When I brought up that I could prove I paid that with bank statements XXXX quickly panicked, I don't remember what led to it but he said he needed to know how much I could pay. I told him but I told him I would not pay until I see what I'm being charged for, he threatened that it would not be deleted off my credit report until I pay it. I'm trying to avoid any scams as this is fairly common. He kept demanding my card information and I had to tell him no repeatedly and that I was going to shower so I could go to my job. XXXX made it very difficult to hang up and after I finally did he called me later at work, I called back and told XXXX that I'm at work and must do my job. I also told him that I could not talk, I work in a loud environment and he is not allowed to call me at work and XXXX kept insisting that I am the one who called and that I am missing out on an opportunity. XXXX refused to give a written list of what I'm being charged for and refusing to send out confirmation that this will be deleted from my credit if I do pay it. It was an awful experience and I feel harassed and unsafe.
Consumer complaint received 2019-07-07
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: Experian Information Solutions Inc. (CA)

Just want this stuff on my report verified and validated.. been hitting a wall with the credit reporting agencies whenever it comes to these accounts.. I simply wan na know how and why, I have rights as a consumer.. please help.
Consumer complaint received 2023-03-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FEDChex Recovery, LLC (NY)

Yesterday I saw I had a call from XXXX that went straight to XXXX. It was a pre-recorded message from someone claiming to be from FCR Collection Services and to call XXXX. My son also found 3 text messages flagged as spam from them ; 2 of them received within an hour of each other. I've never received any written communication from them. I am a XXXX XXXX and this company is trying to run a scam on me.
Consumer complaint received 2019-07-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (FL)

My home was damaged during hurricane Irma XXXX XXXX, XXXX. It fought with my insurance company and received a settlement of {$34000.00}. A check was sent payable to myself and XXXX Mortgage. The mortgage company placed the funds in a special account for the repairs in XXXX. The company sent a {$10000.00} disbursement in XXXX, which i subsequently paid my independent claims adjuster {$4000.00}. The XXXX was used to pay the electrical contractor and XXXX was used to restore fencing. I have been waiting for additional funds to continue the restoration of my property. I have already have paid to have my stucco restored for the damage to the outside of my home and have prepared it to be painted. I contacted Regions on XX/XX/XXXX to have them send more funds they told me someone would contact me within 3-5 business days to inspect my property. NO ONE CONTACTED ME. I called again on XX/XX/XXXX and again I was told the same thing. I finally received a call from someone who claimed they were sent referred to me by Regions ( I could bare understand the persons English ) and tried to set a date but they told me they could not see me, so they said I need to find someone else help me. iI HAVE HAD PROBLEMS WITH PAYMENT OF FUNDS FROM REGIONS IN A PREVIOUS CLAIM IN XXXX AND HAD TO REPORT THEM THEN AS WELL. I Still have l work that needs to be completed and I have waited almost 2 years to have my repairs completed and still I have to keep fighting these people. They have {$24000.00} of the insurance money I would like to have them pay me so I can finish the work and have my property restored My loan number is XXXX
Consumer complaint received 2024-04-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: BMW Financial Services NA, LLC (MD)

On or around XX/XX/year>, I refinanced my vehicle with XXXX XXXX XXXX XXXX and was given cash out as a result of the positive equity in my vehicle. I signed new loan documents and title was transferred. When I inquired about a HELOC, the bank initiated a investigation on me and brought me in for interrogation which appear to be a form of discrimination. XXXX alleged I lied on my application for which I was never given as the application to complete. The loan process was a interview cirtual seamless process for which I qualified to have both my vehicles refinanced with XXXX based on the requirements at that time. XXXX froze my account and rescinded the loan. However, the former lien holder never reinstated or sent new loan documents after the car was fully paid off and XXXX rescinded the check sent. I am not currently under contract with the current lien holder since proceeds from the payoff were already used and that loan was closed.

However, since such time BMW Financial Services have continued to bill for the truck each month without legal documentation that they are in fact the current lien holder. The dispute over the payoff is between XXXX and BMW Financial services not me the consumer and BMW. So would like BMW removed from my credit report and all monies sent for the vehicle since XX/XX/year> refunded since there is no valid contract in place. Under FCRA, BMW financial services has XXXX days to produce a contract with my wet Signature reinforcing the loan terms
Consumer complaint received 2019-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My account with XXXX XXXX XXXX was charged off and purchased by XXXX XXXX XXXX in XXXX of XXXX. This account was settled, for a total of {$1100.00} in XXXX  of XXXX, yet XXXX XXXX is still reporting this account as negative. I recently submitted a dispute with XXXX to have this account updated and they added another charge off in XXXX of XXXX ; this incorrect reporting has had a profoundly negative impact on my credit score and my ability to secure potential new lines of credit and housing.
Consumer complaint received 2019-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My account with XXXX XXXX XXXX  was charged off and purchased by XXXX XXXX XXXX in XX/XX/XXXX. This account was settled, for a total of {$1100.00} in XX/XX/XXXX, yet XXXX XXXX is still reporting this account as negative. I recently submitted a dispute with Experian to have this account updated and they added another charge off in XX/XX/XXXX ; this incorrect reporting has had a profoundly negative impact on my credit score and my ability to secure potential new lines of credit and housing.
Consumer complaint received 2019-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (CA)

I was in the process of selling my home and squatters broke in and started living in my home. I had to have the squatter task force in XXXX XXXX XXXX remove the people from my home. somehow the squarters turned back on the utlites in my name. dispute every effort i could make XXXX  XXXX still sent my account for collection for power that was used and reactivated without my knowledge or consent. I sent my police reports statements of events and XXXX XXXX still sent me to collections
Consumer complaint received 2019-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (TX)

Name : Comenity Bank/Limited Payment status is showing Credit Line Closed by Credit Grantor This is showing as potentially negative - settlement on my credit report. The account is closed because the XXXX is using another credit company. My account is closed and my current balance as of XX/XX/19 is {$1900.00}. 

My Request : I would like for the payment status to be updated to closed by consumer. 

My requests continue to go to incompetent people who are not equipped or not in a position to make this change right. The are not being truthful and I find their unwillingness to help me disturbing and deceptive. 

I am a former Military Spouse ; now divorced, but we still receive military benefits and base privileges.
Consumer complaint received 2022-10-28
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. (VA)

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 has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX # XXXX has violated my rights. 


15 USC 1681 Section 602 A 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 written consent.
Consumer complaint received 2019-11-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (KS)

Thank you for your recent contact dated : XX/XX/XXXX. 

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties.

4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.
Consumer complaint received 2024-04-03
Product: Credit 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)

The capital one bank has failed to do an appropriate investigation on the charge I requested a dispute on, I purchased XXXX different items from the same merchant on a Different days and I asked the charged to be disputed for XXXX of the transaction. The bank said I have received a refund from the merchant and failed to process the claim.The claim I received refund for the charge is false, I received a refund for XXXX of the transaction which is not the one I filed a claim for.The bank has continually failed to investigate unauthorized charges and disputes. I would like CFPB to conduct investigation on the capital one credit resolution department on how they conduct their services.
Consumer complaint received 2024-04-03
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

I received a notification on XXXX XXXX regarding there had been a hard inquiry on my account. The company was Capital One Bank USA. I reached out to let them know, I had never requested a credit card or any loan thru them. They simply told me there isn't anything they could do because my information was given to them. So, I called XXXX to inform them of what happened. They advised me to enter a report at fraud.ftc.com. Which rerouted me to enter a compliant here. I also put a freeze on my credit, and I already have a monitor service on my credit is how I was notified.
Consumer complaint received 2019-07-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc. (NY)

XX/XX/2019 I was contacted by CBE group collection agency. Upon contact I was inform I had an balance of {$220.00}. I was advised if I pay half this amount my account will be written off and I will have a XXXX balance. I agree to this agreement with them over the phone and after I made the payment, the balance wasn't written off and lower to zero. I still had an balance. This company deceive me and giving my false information in reference to a debt that I owe.
Consumer complaint received 2019-09-20
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

Due to ongoing violations by Chase of CFPB bulletin XX/XX/XXXX with regard to our inheritance of my deceased father 's house and our rights as verified successors in interest, my wife and I filed a revised RMA application with Chase via fax/letter on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Included with that RMA application was a letter from Chase dated XX/XX/XXXX in which Chase stated that we needed to submit certain documents to them by XX/XX/XXXX, which we did. 

Among the documents requested was a copy of the homeowners insurance policy or declarations page showing proof of homeowners insurance for the subject property. We provided this documentation to Chase on XX/XX/XXXX. However, we received a letter from Chase on XX/XX/XXXX ( dated XX/XX/XXXX and addressed to our deceased father who died on XX/XX/XXXX XXXX in which Chase incorrectly stated that we understand that insurance company provides coverage for the period of XX/XX/XXXX to XX/XX/XXXX ( this is wrong - our documentation shows XX/XX/XXXX-XX/XX/XXXX ). The letter further states that However, the names read as [ my wife and I ]. Our records show your name reads as [ my deceased father ]. Therefore, we are unable to accept this evidence of insurance coverage. 

It is physically impossible for my father who died in XX/XX/XXXXto purchase the homeowners insurance coverage himself. Furthermore, it is illegal for my wife and I to purchase insurance in the name of a deceased person. However, the letter indicates that Chase is wanting us to commit identity theft against my deceased father in order to obtain the insurance coverage Chase specifically requested. This is deeply disturbing and grossly unethical. 

We provided Chase with EVERY single document requested in their XX/XX/XXXX letter prior to the indicated deadline of XX/XX/XXXX. Please explain your position with regard to this urgent and troubling matter immediately.
Consumer complaint received 2019-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

I sent certified letters to Jefferson Capital Systems on XX/XX/2019 and again on XX/XX/2019 informing them this was not my account and requesting any proof they have to support there claim. There has been no response from the reporting company. XXXX, XXXX and XXXX claim they have " verified '' the account and have not provided me with there proof either.
Consumer complaint received 2024-04-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NY)

I don't recall having a contractual relationship with this collection company SUNRISE CREDIT SERVICES. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2021-12-01
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)

I am XXXX XXXX and I am submitting this complaint myself. These items are reporting late, yet it is closed and the balance is zero as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX XXXX ...., XXXX XXXX XXXX .... )