davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Capital One Bank XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX To whom this may concern, This letter is in reply to your recent Investigation Results from XXXX, file # XXXX. Where the Account Investigations are simply incomparable for account # XXXX. Where Capital One Bank has reported information that is significantly different from its previous status. Where XXXX  states : We investigated this item, verified that it belongs to you, and updated : Balance ; Date Updated ; Last Payment Made ; Past Due ; Remarks ; Rating. 

Simply stated, XXXX  is an independent business enterprise and has no control over Capital One Banks files or records. Meaning, they can not update any information that is not provided to them by Capital One Bank. 

I call your attention to the FCRA where it reads in Section 609. Disclosures to consumers [ 15 USC 1651f ] ; ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request.

In addition, the National Consumer Law Center describes in : Fair Credit Reporting, 6th Edition : 4.2.1 ; The concept of accuracy is an objective one 57. A consumer report either is or is not accurate. If it is accurate when prepared a certain way, it will always be accurate when prepared that same way. ( 57 Cushman v. Trans Uion Corp., 115 F.3d 220, 225 ( 3d Cir. 1995 ) ( defining accuracy under the FCRA in an objective manor ). 

If the account information was sold to my Mortgage Lender on XX/XX/XXXX representing one set of information as, Accurate. It can not then be legally updated without demonstration while continuing to claim both reportings are then, Accurate. Therefore, here I require Capital One Bank to demonstrate the file sold to XXXX XXXX XXXX, by XXXX XXXX XXXX XXXX XXXX, ( see copy provided ). Then I require you to also demonstrate the updated files later provided to XXXX. Today I, the consumer, am left to guess at which set of information is in deed Accurate, Complete and Not Misleading. While Federal Law does not require me, the consumer, to be satisfied with what XXXX  may choose or decide to report. As Capital One Bank is a Subscriber to and enjoys a business relationship with XXXX. Giving the appearance of a distinct conflict of interest.

I will wait no more than 20 physical days for you to reply to these requirements. If you fail I will then pursue all other means necessary and available to me to pursue XXXX XXXX  on the assumption of Inaccuracy. 

Regards, CC : CFPB FTC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am writing to express my deep concern regarding the late opening of accounts with your company. As a valued customer, I have always appreciated the quality of service and products provided by Credit Bureaus, but recent delays in account processing have been significantly inconvenient and frustrating. 

I submitted applications to open accounts with your company, providing all required documentation and fulfilling necessary formalities promptly. However, to my dismay, I have yet to receive confirmation of the account openings, despite the considerable time that has passed since my initial submission. 

These delays have not only disrupted my operations but have also caused financial implications for my business. I rely on timely access to accounts with your company to facilitate smooth transactions and maintain a healthy business relationship. The prolonged processing time is unacceptable and has tarnished my perception of your company 's reliability and efficiency. 

I urge you to address this matter with the utmost urgency and expedite the processing of my account openings. Prompt action to rectify this situation will demonstrate your commitment to customer satisfaction and help restore my confidence in your services. 

Please provide me with a concrete timeline for the completion of this process and any necessary steps I can take to expedite the resolution. Additionally, I would appreciate regular updates on the status of my account openings until they are finalized. 

Thank you for your attention to this matter. I trust that you will take the necessary steps to resolve this issue promptly and prevent similar occurrences in the future. I am asking for your assisstance to correct these fraud items in my credit file : XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX XXXX Balance : {$10000.00}.
Consumer complaint received 2017-11-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (CO)

In XX/XX/XXXX of this year, I completed my Chapter XXXX bankruptcy. Being a single mother, it was a struggle but at the end of it all, I was proud of myself that I fulfilled all the conditions and still had a roof over my head for my son and me. However, in XX/XX/XXXX I began the process of refinancing my home and in doing so, discovered I was behind 3 months on my mortgage payments. This was news to me as I had NEVER received any type of notification, nor phone call ; nothing, to advise me that I was behind! While on a three way call with my mortgage consultant on XX/XX/XXXX, the Ditech representative told me a letter was sent to my lawyer regarding the changes to my account in XX/XX/XXXX. As I reviewed the letter I noticed I was not CC 'd on it. What if my lawyer was sick, what if it went to the wrong address? Lots of what ifs but should n't I have been contacted????? The payments went up from {$820.00} to {$1100.00}!! That is {XXXX}!! It may not seem like a lot but raising a child on my own, I have to count EVERY PENNY and this just killed me!! Then I was told that to not have it reported to credit, I needed to pay {$3200.00} to stay current! It took me 5 years to build my credit in hopes to have some freedom and now, to save my credit, I had to take out money from my 401k to cover those " late payments ''. Even after the fact, not one letter, phone call, nothing to advise me that I was behind!!!!! This not only ruined my hopes of building something better for my son and I but it has damaged my credit, ruined any chance of getting a refi for a year, etc. If I would have known about these changes, I would have paid the correct amount and saved myself this problem. Now, they wont do anything to help me!! In looking at my statements, nothing shows that my payment went up!! I asked why I was not contacted and they said it would be considered soliciting. Funny how other companies dont have a problem calling. I sent an email to my bankruptcy lawyer on XX/XX/XXXX asking for advice but have not heard anything. 
All I ask is that they take into consideration why the full amount was not paid because Lord knows if I would have known, I would have paid the correct amount. If they could reverse the negative impact on my credit score and note that the mortgage payment would have been paid on time ( if I knew about it ) I would be ok but it just floors me that not one phone call nor mailed document was sent to me to prevent this from happening!!! Now, I have to wait a year to refinance because Ditech shows me as being 3 months behind on payments. Almost {$1200.00} to pay my mortgage with no accessibility of getting that adjusted due to THEIR error!! I can barely make it as it is and now they can pretty much do what they want because they have me locked in again!! Its simply not fair!!!!! They should not be allowed to do this!!!
Consumer complaint received 2017-11-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I sent Portfolio Recovery Associates ( which is a debt collection agency ) a dispute letter, I than received a letter from them on XX/XX/XXXX telling me that I have to pay them {$170.00} because they are saying that I have a contract with them in which I do not. They are claiming that I have a contract with them, in which I do not. They are trying to collect a debt from me in the amount of {$170.00}, On XX/XX/XXXX they have reported to the Credit Reporting Agencies, that I have opened a new account with them which is  clearly not mine. Portfolio Recovery Associates has also placed this false info on my credit reports that reports my credit, XXXX, XXXX and XXXX. I am a victim of identity theft and my info was compromised by an unknown person and my info was used without my authority.
Consumer complaint received 2022-10-05
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. (SC)

In accordance with the fair credit reporting act XXXX XXXX Bank Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-11-01
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: Experian Information Solutions Inc. (AL)

Please be advised this is my fourth written request and final warning that I fully intend to pursue litigation in accordance with the Fair Credit Reporting Act ( FCRA ) to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section XXXX16 and Section 617 regarding your continued willful and negligent noncompliance. 
Experian is the company that reported the unauthorized, invalid, and fraudulent account on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the documentary evidence, and verify the information reported on the credit report is mine and correct. In the results of your first investigation, you stated in writing that the disputed account was valid and reported accurately. You are violating the FCRA because I have not signed any documents to acquire credit from the account noted on my credit report. Thus, the account was made without my authorization and for no legitimate business purposes. 
Please also be advised that I have also contacted the following company. Since they have no proof of this account being mines, written or verbal, I ask that you delete the video unauthorized & invalid account from my credit report immediately. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b in general. Subject to subsection ( e ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( I ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of inaccurate or Univariable Information ( A ) in general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete. 
IMPORTANT : The following credit account is not mines. Please reinvestigate this matter and delete the disputed items as soon as possible, before I am forced to take legal action against your company. The law is very clear as to the civil liability and the remedy available to me ( 15 U.S.C. 1681 et seq. ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA The account that I am requesting to have removed is the following 1. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-22
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)

In the state of Missouri one has the right to bring civil action against anyone including a consumer reporting agency who knowingly fails to correct inaccurate file data, and this is the case here. I have on many occasions requested physical certified documentation of the following disputed accounts inwhich you are reporting but never recieved any thing. I also requested the Method of Verification inwhich I asked for all the investigators information inwhich derived to stating that these accounts been verified. What is this persons name and title, and on what date did this take place?, what hour and what was the Method of communication. If all this can not be provided to me then as written within the laws of the FCRA these accounts shall be removed immediately. The following accounts are : [ 1 ] XXXX XXXX [ 2 ] XXXX XXXX XXXX [ 3 ] XXXX XXXXl [ 4 ] XXXX/ XXXX XXXX  [ 5 ] XXXX XXXX {$2300.00} [ 6 ] XXXX XXXX XXXX   XXXX {$790.00} [ 7 ] XXXX XXXX XXXX {$760.00} [ 8 ] XXXX XXXX   XXXX [ 9 ] XXXX XXXX [ 10 ] XXXX XXXX [ 11 ] XXXX XXXX XXXX
Consumer complaint received 2024-02-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Get those unauthorized accounts off my credit report now! Other bureaus fixed it, so can you. Stop messing with my credit delete those accounts immediately, or face legal action. I won't tolerate your delay in fixing this act now! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please DELETE.
Consumer complaint received 2019-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The XXXX XXXX XXXX credit card was pay and close For {$2300.00} Date open XX/XX/2010 Was pay off and close
Consumer complaint received 2017-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (TX)

After the Equifax security breach I signed up for the free one year TrustedID Premier credit monitoring. I received the email to enroll on XX/XX/XXXX. I attempted to sign up that day and received an " enrollment error '' and a message to call XXXX. I called that number and waited on hold, provided my info and was told that it was the wrong dept and to call XXXX. I called that number and waited on hold, provided my info, and was again told wrong dept. I was then provided XXXX. That number too says they are the wrong department and suggests calling XXXX ... the number I began with. 

I called back the next day and encountered the same ordeal. I also have called back today, XXXX XXXX, and experienced the same thing. So after XXXX hours on the phone total I am no closer to being able to use the credit monitoring. 

Equifax is responsible for releasing my credit/financial information without my permission and is now failing to uphold their offer of a year free credit monitoring by putting consumers in a never ending loop.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

New Dispute, EQUIFAX will not let me access my report according to law with ease, since I've put in complaints as well as certified mail EQUIFAX will no longer let me in to view my profile. I am XXXX  Very Bad, EQUIFAX is hurting me causing damages where as i am moving this month and can not let them check my credit due to EQUIFAX dropping my score drastically. It has cause XXXX  and XXXX  not to mention XXXX knowing, my chances are next to none now because of EQUIFAX. I've did some of my own research and found on public law this is Identity Theft, As I Search Public Law 18 USC 1028a that is Aggravated identity theft, I do not consent to EQUIFAX Furnishing, Housing or producing my personal Information. I did not give written consent for XXXX to do so. As I Search Public Law 15 U.S. Code USC 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. All Codes Public Law Keep all Accounts Remove negative Information
Consumer complaint received 2020-04-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Neon Newco Corporation (UT)

K on XX/XX/XXXX i bought a net spend prepaid card to make my car payment i activate it tried to process it it was declined multiple times. I then tried to make a instore purchase it also declined. I paid XXXX cash on the card and wasnt able to access my funds. 

I called the company to see what was happening. First came up the automated system saying my card still had a ballance of XXXX. So i got to a representative they asked for my information i gave it and they said oh i see this needs to be sent to our second leval representative funds are on hold and we can't do that for you. 

So im transfered and they said yes mrs XXXX your funds are on hold to verify your information and release your funds you are required to send us 3 forms of id and a copy of your social security card. Copy of my drivers license my birth certificate and another photo id which i had a passport I said no i want my funds and my card should be working just fine i activated my card as i was instructed. 

Then they said well we cant do anything for you untill you submit your information. Then the conversation was over. 

I called back several times being told the same thing from other representatives. I recorded one conversation and filed a complaint with the FTC. 
Who said i needed to file with you to get this handled. Still after a month of no response or help i called the FTC directly and told me to contact consumer finance. XXXX : XXXX video recording
Consumer complaint received 2017-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Trouble using my card, when it came to credit limits when I had my card they would give me credit limits of 50 or 100 at a time even after paying my balances in full, the Fees or interest they would charge was insane they closed my account after 6 years for a XXXX reason of too many returns but my bank account was compromised they never did a balance transfer and I cant get a settlement to be done with these ratchet people ... they claim they do n't do that and I even have cash back on a card which I cant use cause they closed my account!
Consumer complaint received 2019-05-22
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. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX  XXXX XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; and XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-22
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. (MS)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts are stating that I was late when in fact I wasn't..Please delete this negative information reporting on XXXX/XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-11-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (CA)

Payment history isnt included. They stated this debt was just opened back in XX/XX/XXXX but this debt was over 5 years old and on credit report it has only amount and doesnt have payment history or what kind or last payment which was XX/XX/XXXX or XX/XX/XXXX. Disputed with XX/XX/XXXX and they said it's all correct but ita srill.missing slot and now has resulted my family and I live in a hotel because they put this is new when in fact its old.
Consumer complaint received 2017-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (TX)

We were in a bankruptcy and had difficulty making our payments. Once we got back on track and started making payments, our payment dates stopped advancing correctly. 
In XXXX XXXX 2016 we were notified by our attorney that we were past due and needed to modify our loan to catch us up. At that time, our payment went up by {$860.00} to catch us up ; we paid that thru the 12 months per the terms. At the end of the 12 month term, Seterus notified us that our payments were 6 months past due. We have made every payment thus far and have not missed a payment ( late but always caught up ) ; we are now facing pre-foreclosure again because they say we are still 6 moths past due. We have explained to Seterus multiple times that according to their activity statement they sent us that the payments were not applied correctly per their attorney 's documents. They refuse to investigate and audit our loan. Our bank statements show exactly how much was paid, when, and the dates. We need help as we are being taken advantage of and can not seem to have anyone to help. I 've asked for a supervisor and upper management and they say they ca n't transfer me to anyone who can help - they say to email and fax in our request which we 've done 3 times already. We 're also being charge fees that were incurred during bankruptcy which we were told are not payable at that time, and now the fees have been assessed. Everything on thier statement from Seterus is inconsistent - I believe their own employees do n't know how to read the statement therefore does not want to help us.