davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Had to cancel my debit card with Capital One due to suspicious activity and possible fraud. Filed a fraud claim which came back with resolution that has been verified and solved before even recieving my replacement debit card has even arrived!!! Capital One Banking App states and shows under there " Debit Card Tracker '' feature that my replacement debit card was shipped XXXX XXXX. And would arrive XXXX. Now it has already been 6 days since I've been able to access my checking account or any the money that is in it minus it's bill pay functionality. Called capital one XXXX XXXX number provided within the apps help feature and talked to male representative @ XXXX and spoke to him regarding why I had not received my replacement debit card by XXXX like it stated I was in my account. The male representative told me that the information which is in my account was wrong and providing me misinformation. I then asked him to provide me with the USPS tracking number I would track it myself using my USPS Informed Delivery account. He told me that there is no tracking number he was able to provide. 
Okay ... .. 

If Capital One can not provide a tracking number then they should not provide false tracking estimations and should not completely 100 % knowingly provide misinformation to Any of its customers period!!!! 

Lying Know Your Lying Consequences will be had ... only matter of when ... its called Karma!!!
Consumer complaint received 2020-02-26
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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS (TX)

I sent a letter to inform NexisLexis that I recently received a copy of my credit report that your company publishes and after reviewing it I found several bankruptcies on my XXXX, XXXX, and XXXX  that are inaccurate. Them being an 3rd party company reporting incorrect information are damaging my reputation and credit worthiness. I requested they supply me with the actual documents and I received letter starting they received the information from XXXX  and they do are not apart of the resolution. 

I went to US BKPT CT Tx XXXX have email me which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third- party providers who collect information regarding public cases from public records. 



.
Consumer complaint received 2020-02-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I sent a letter to inform XXXX that I recently received a copy of my credit report that your company publishes and after reviewing it I found several bankruptcies on my XXXX, Experian, and XXXX that are inaccurate. Them being an 3rd party company reporting incorrect information are damaging my reputation and credit worthiness. I requested they supply me with the actual documents and I received letter starting they received the information from XXXX  and they do are not apart of the resolution. 

I went to US BKPT CT Tx XXXX have email me which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third- party providers who collect information regarding public cases from public records. 



.
Consumer complaint received 2020-02-26
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: Early Warning Services, LLC (CA)

The foundation of my complaint ( s ) being filed against Early Warning Systems directly correlates to, and should be made part of as an addition, to another company, XXXX XXXX, for whom I've previously filed a complaint on as well. More specifically, Early Warning Systems, of whom XXXX XXXX is part owner as well as a partner in business, has been identified by over 8 banks, 2 insurance companies and multiple other institutions and/or business as the sole reason for my having been denied the ability to open a checking account, get insurance, rent a place to live, and even turned down in an attempt to cash a legitimate cashiers check. I have since been notified by XXXX XXXX that they, also inaccurately, incorrectly, and with intent, made use of misinformation in collusion with Early Warning Systems to identify me as " High Risk '', and a possible perpetrator of fraudulent activity. So to validate my claims and to clearly give full validation to the fact that Early Warning Systems, in conjunction with and under the direction of XXXX XXXX, violated my rights provided for under the Federal Consumer Prevention Act. I am stating as facts and providing inquiries of evidence through response, to assist the CFPB in your efforts to ascertain, and act upon, the CFPB 's subsequent investigation and conclusion. 
1. The account ( s ) by which Early Warning Systems, through XXXX XXXX 's direction relies upon to create their report on me and furnish to those making inquiries are, and have always been, the direct cause of identity theft and fraud against me through XXXX XXXX. A. I never, personally, nor through another, ever contacted, disputed, filed a claim, nor was aware in any way as to the aforementioned. B. Not only did I inform XXXX XXXX of the identity theft and fraud ; I also informed them that they had without my authorization, knowledge or permission taken legitimate payments from multiple creditors that by law must be returned. C. The negative account ( s ) from which the fraud occurred at XXXX XXXX occurred over a five day period, involving numerous transactions, and involved multiple accounts of different creditor 's. At no point did XXXX XXXX freeze my account. They also, never contacted me by phone, by text, by email, etc. 
I have filed and provided copies to Early Warning Systems, XXXX XXXX, etc. with a copy of a police report, FTC report, three CFPB reports and I have provided letters with documentation to the Federal Reserve and Attorney General. I not only welcome but have begged for a full investigation to which I now believe is to occur. Early Warning Systems is required by law and regulations must remove all negative items and cease furnishing all negative items immediately or supply documentation and evidence.
Consumer complaint received 2020-02-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (GA)

I asked XXXX XXXX and his manager with better mortgage multiple times for the hoa condo questionnaire which they did not obtain or provide to me before officially denying me. they should have legally obtained and provided a copy of this document to me before denying me and i have given them several opportunities to provide it and they continue to ignore me and beat around the bush
Consumer complaint received 2020-02-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

They will not remove a XXXX XXXX  charge off Tradeline after XXXX XXXX  told them to remove it. Please see the letter the debt was forgiven.
Consumer complaint received 2020-02-26
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. (CA)

I applied for a credit card at XXXX XXXX today XX/XX/2020 and I did not get approved due to my credit score and history. I looked into it more and I discovered five accounts with bad payment history appearing on my credit. None of these accounts are mine ; I have never opened an account with any of those companies and I did not allow any other person to open an account with these companies using my name, social or address. I did not make any payments towards these accounts and I did not get anything as a result of these accounts that were opened on my behalf. I filed a police report with the information that I have so far.
Consumer complaint received 2020-02-26
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. (CA)

I applied for a credit card at XXXX XXXX today XX/XX/2020 and I did not get approved due to my credit score and history. I looked into it more and I discovered five accounts with bad payment history appearing on my credit. None of these accounts are mine ; I have never opened an account with any of those companies and I did not allow any other person to open an account with these companies using my name, social or address. I did not make any payments towards these accounts and I did not get anything as a result of these accounts that were opened on my behalf. I filed a police report with the information that I have so far.
Consumer complaint received 2023-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

I reached out to USAA on XX/XX/2023 to request a temporary increase to my daily transaction limit so I could complete a one time purchase. I was told that I could not increase my transaction limit due to an " xp '' code placed on my account. So I was forced to complete the large purchase using a completely different card and account. After I did so, I went back to my USAA account and attempted to transfer the funds to cover the the large purchase into another account to cover the large purchase. However when i attempted to transfer the funds from my USAA account electronically I was not able to do so. I then attempted to transfer the funds via XXXX transfer and USAA would not allow me to use XXXX either. I spoke to 3 different agents with USAA in an effort to successfully transfer MY OWN MONEY out the USAA account and into my account at another institution but they all state that my account is restricted from these types of transfers for at least six months!!! I have $ XXXX in my USAA account which I need to access and transfer to another account and USAA is not allowing me the ability to do so and they are essentially holding my money hostage. On XX/XX/2023 I spoke to XXXX with the " member resolution department '' and I asked her how I could withdraw all my funds and close my USAA account immediately and she advised that was impossible and the only way to do that would be to wait for a check to be sent from corporate. I am essentially being restricted from accessing my own money by USAA and their unethical " policies ''. I was also told I could go into any physical bank and request a cash advance from my debit card and I asked if I could withdraw all of my funds this way, of course I was told no as my cash advance limit was only $ XXXX and could not be raised. USAA is 100 % holding my own money hostage from me and this type of practice can not be allowed to continue at the expense of regular people. I've wasted hours over the past two days simply trying to access my OWN MONEY but USAA is preventing me from doing that.
Consumer complaint received 2024-04-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/year> CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear CAPITAL ONE, I am writing in response to your recent communication regarding the alleged debt associated with the above-referenced account. I am requesting validation of this debt as provided for under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
I am aware that the statute of limitations for collecting this debt may have expired, as it pertains to XXXX XXXX debt from approximately XXXX years ago. However, I am requesting validation of the debt in accordance with my rights under the FDCPA. 
I am also writing to bring to your attention that, under the Consumer Financial Protection Bureau 's Regulation F, specifically 12 CFR 1006.34 ( B ) ( 5 ), you are required to provide validation information upon request. 
As per the regulation, " Validation information means information that confirms the consumers name, the debt amount, and the name of the creditor to whom the debt is currently owed. '' I am formally requesting that you provide this validation information for the debt referenced in your recent communication. 

Please provide the following information : The original creditor 's name and contact information. 
The original account number and the date the account was opened. 
The total amount of the debt, including any interest and fees that have been added since the last payment. 
Documentation showing that you are authorized to collect this debt. 
Please note that any further communication regarding this matter should be in writing. I am exercising my rights under the FDCPA to request that all future correspondence be conducted through written means only. 
I expect your compliance with this request within the time frame specified by law. Failure to provide this validation information may result in a violation of federal regulations. 
Additionally, please be aware that I am keeping thorough records of all correspondence regarding this matter, including copies of this letter and any future communications from your office. 
Thank you for your prompt attention to this matter. I look forward to receiving the requested validation of the debt within the time frame specified by law. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-04-05
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: CLGF Holdco 1, LLC (MD)

Hard inquiries reported and bankruptcy reported on my credit report I did not authorize. Fraudulent activity XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-02-26
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 — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (TX)

I submitted a credit dispute relating to a Rooms to Go Credit Card that was being negatively reported on my credit reports. The credit card was in the name of someone else with me being the co-borrower. The borrower filed Chapter XXXX bankruptcy and included this debt in the bankruptcy. The credit card has been reported late and now has been reported as a charge off. After the first dispute in XX/XX/2019 ; the information was not corrected so to avoid ruining my credit I called Rooms to Go and asked to pay off the card. They refused to accept any payment as the account was flagged chapter XXXX bankruptcy. I have tried disputing the information again and the bureaus will not accept another dispute.
Consumer complaint received 2016-02-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Hello. I pay my mortgage monthly every month prior to the due date. I split each monthly payment into ( 2 ) partial payments using online bill pay, because of the way that I am paid. Nationstar misapplied my payments ( 3 ) months in a row. Each month and each time I called Nationstar before it was 30 days delinquent. Each time/month they said they corrected my payment and each time that they would set up a " tier '' system so that my payment would get applied correctly. Each month, I had to call multiple times, as my payment would not get corrected again and again. Each time they said my credit score would not be affected. To make a long story short, I monitor my credit and noticed it dropped over XXXX points from the last time I viewed my score. Nationstar reported my payment as 30 days late in XXXX 2015 and I have proof through my online banking that it was paid EARLY!! Please help get this inaccurate and false information removed from my credit report. Thank you.
Consumer complaint received 2019-03-29
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. (MO)

After this account was discovered that it was not mines the credit reporting agency only closed it but did not block/ removed it. I'm demanding that this account ( XXXX/ XXXX ) is removed immediately.
Consumer complaint received 2022-09-06
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Berlin-Wheeler, Inc. (Kansas) (AZ)

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 

I have not supplied proof under the doctoring of the estoppel by XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Consumer complaint received 2020-02-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a credit dispute relating to a XXXX XXXX XXXX Credit Card that was being negatively reported on my credit reports. The credit card was in the name of someone else with me being the co-borrower. The borrower filed Chapter XXXX bankruptcy and included this debt in the bankruptcy. The credit card has been reported late and now has been reported as a charge off. After the first dispute in XX/XX/2019 ; the information was not corrected so to avoid ruining my credit I called XXXX XXXX XXXX and asked to pay off the card. They refused to accept any payment as the account was flagged chapter XXXX bankruptcy. I have tried disputing the information again and the bureaus will not accept another dispute.
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2015-07-07
Product: Credit card — 
Issue: Bankruptcy — 
Company: Continental Finance Company, LLC (MI)

I do not recall getting, or signing up for this card, it is showing up on my credit report stating open in XX/XX/XXXX, the company closed XX/XX/XXXX, it also shows written off for XXXX, I have since filled bankrupcy XX/XX/XXXX so this should not be on credit report, plus it is almost 7 years later
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

I WAS LOOKING OVER MY REPORT AND I NOTICED ADDRESS AND PHONE NUMBERS ARE NOT MINES/ NOT ACCURATE, PLEASE REMOVE THE FOLLOWING ITEMS. 
XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2020-02-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BMW Financial Services NA, LLC (GA)

I purchased a XXXX XXXX XXXX in XXXX. I purchased at least {$12000.00} worth of add on services like extended warranty, rim replacement, dings and dents, etc. 

My car was hit and totaled on XX/XX/XXXX. I have never made a claim against any of the additional services that I purchased. The car is paid off. 

I reached out to XXXX XXXX in XXXX, GA who failed to file the paperwork. 8 weeks later, I reached out again but no one will take my call or return my calls. I tried to contact BMW corporate but they will not assist, because I requested that they verify me with information other than the last 4 of my social security number. I gave the last 7 of the VIN, the number i called from was verified by the automated system, I would give my address. 

The number and address of XXXX XXXX are as follows : XXXX XXXX XXXX XXXX, GA. XXXX ( XXXX ) XXXX. 
The people with whom I spoke there are XXXX XXXX and XXXX XXXX
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. ()

Someone has been using my personal bank, XXXX, Email ID account details for unclaimed personal loan under my XXXX  card number. 
It has been impacting my credit score. 
Need to check and close all unwanted transaction activities related to my XXXX  & my personal KYC. 
Please provide my fair resolution to the above said issue.