davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act XXXX account # XXXX has violated my rights. 
15 U.S.code 1681 section 602 A, A ( 4 ) states that I have a right to privacy.

Also 15 U.S.C 1681 section 604 A section 2. States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-05-18
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 (NC)

Capital One is in violation of the following sections of 15 U.S.C. 1681 : 1 ) 1681a 2 ) 1681b 3 ) 1681c 4 ) 1681e 2 ) 1681i On XX/XX/2018, Capital One made an  unauthorized hard inquiry on my credit for the purpose of auto financing. During this time, I was XXXX overseas and did not authorize anyone to make inquiries on my credit. I attempted to dispute this inquiry with Capital One as well as with XXXX  and they never removed the inquiries. Additionally, this inquiry, along with others by other corporations during this time, significantly and negatively impacted my credit score.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.
Consumer complaint received 2022-07-05
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. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2022-07-05
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: Spring Oaks Capital, LLC (VA)

Violation of my rights and they refuse to honor the law that has be set. Spring Oaks Capital LLC has denied my request 4 times and XXXX is Failing to comply 15 USC 1681 section 602 A States I have a right to privacy 15 USC 1681 Section 604 A Section2 it also states consumer reporting agency can not furnish account without written instructions 15 USC 1681 section 603 ( 3 E ) I demand this account be remove immediately its be to long
Consumer complaint received 2020-05-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

Hello. So I opened a Children 's Place credit card back in XXXX to take advantage of the promotions they were offering. I am very good about making payments for ANYTHING on time. I have a 99 % on time history with my credit report. However, I realized in XXXX I had forgot to make my payment from XXXX. So i called and made my payment. When I paid, there was no late fee showing so I assumed I did not accrue one. Apparently the day after I paid my balance in full, the added on a XXXX dollar late fee. I was never emailed anything besides promotional emails from them, and never received anything in the mail. They called me in XXXX stating I owed XXXX dollars as they were charging late fees FOR my late fees ... never was notified again. So I called and negotiated with them, and they knocked my balance down to XXXX dollars. I paid them, and all was supposedly final. Today I received an email of a statement saying I again owe them a XXXX dollar late fee, and XXXX dollar interest charge for paying my late fee that I talked to them in XXXX about, 8 days late. Not one person told me this would happen, or that I was paying anything late. So now I am being charged late fees almost every month when I owe them XXXX money. They refuse to take the fees off, and made me pay them twice now. I feel this is extremely inappropriate, and slimy. I feel let down that even though this is clearly not right, they refused to take the charges off, and instead told me I would be sent to collections for not paying them. Please please help. I do not want to spend my monthly pay check on nonsense rather than feeding and providing for my family.
Consumer complaint received 2022-07-05
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. (AL)

I have been disputing this information for years that certain accounts do not belong to me. The credit reporting agencies and the collecton agencies seem to verify the information within hours! This was originally reported as Identity Theft back in 2017, the person involved went to prison over this. Yet, the accounts still sit on all of my reports. I have since filed an updated report with the FTC. 

I have written to all three credit reporting agencies, provided documentation beyond the necessary limits and yet they never remove the information, nor do they acknowledge that they receieved anything from me. 

I have tried to upload documents through their dispute process but the system is always " unavailable '' and just won't upload even the smallest PDF.
Consumer complaint received 2022-07-05
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: Bread Financial Holdings, Inc. (CA)

XXXX fails to update payment history correctly on trade-in in stead after 4 attempts they deleted the payment history in the trade line for THE LIMITED.

Attachments included for your review.

Multiple Violations of the FCRA 15US CODE 1681 ( i ) ( 5 ) removal of inaccurate/invalidated Credit Information and 15 us CODE 1681e ( b ) violation of California Consumer Law by failing to provide proof of how the disputed information was investigated, as of this date no proof provided instead they continue to report the errors on the account.

FCRA Section 605 ( a ) ( 5 ), Section 605 ( c ) ( 1 ) When does the 7 yr period begins, the estimated date reports until XXXX if no payment history is available or known. Per the most recent reports, it shows all Xs.
Comenity Bnak refuses to provide payment history because they do not have the records and they have violated the policy of FDIC, IRS AND OCC that requires credit cards to be charged within 180 days, they are reporting false payment history with the intent to rage the trade line and charged off at approximate 420 days instead 180. Continue to add late fees and charged interest in order to justify adjust their losses of the management of their portfolio. FDIC regulates this bank directly and the parent company Alliance Data Systems.
Consumer complaint received 2022-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was approved for a Capital One Union Plus card on XX/XX/22 and have the approval letter as proof. I still haven't received my card after 4 months and several calls to Capitol One ( XX/XX/22, XX/XX/22 and again today on XX/XX/22 ). They say its a known issue and they are working on it, but can not tell me what the issue is or when this will be resolved. I've patiently given them 4 months to rectify the issue and haven't received a letter or call informing me of the reason for the delay. All I want is my card I applied for and need assistance since I keep getting the run-around from them. Also, the card came with a 15 month intro APR which I would like for them to honor.
Consumer complaint received 2022-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (CO)

I HAVE NEVER BEEN 30 DAYS LATE, ON A PAYMENT, AS MILESTONE ( CREDIT CARD ) IS REPORTING. I HAVE REVIEWED MY PAST PAYMENTS, AND NONE WERE 30 DAYS LATE. FOR INSTANCE, MILESTONE IS STATING THAT MY XX/XX/2022 PAYMENT WAS 30 DAYS LATE ; I MADE A PAYMENT, ON XX/XX/XXXX, IN THE AMOUNT OF {$60.00}. I ALSO MADE A PAYMENT, ON XX/XX/XXXX, IN THE AMOUNT OF {$120.00}. MY XXXX PAYMENT WAS DUE ON XX/XX/XXXX. THE XX/XX/XXXX PAYMENT PAID THE PAYMENT DUE ON XX/XX/XXXX.
Consumer complaint received 2022-07-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (IL)

On XX/XX/2022, I received a letter in the mail addressed to me, saying that on XX/XX/2022, I had requested to decline the Overdraft Coverage for my account ending in XXXX for ATM and everyday debit card transactions. In this letter, it states to call the TRUIST bank at XXXX if I did not initiate this request. This letter was from the TRUIST Bank, XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX. 

I proceeded to call them after the holiday on XX/XX/2022. I called their Account Security Department at XXXX and spoke with a female. The call was being recorded. She continued asking me for my social security number, and I said I will not be giving that to you. Then, she said the ONLY way to resolve this issue is to stop at a branch and speak to someone in person. I said, " I live in Illinois, and you do not have a branch here or anywhere close to me. '' She then proceeded to tell me that this is the ONLY way their company has set up for things like this. I had no choice but to end the phone call because I was getting nowhere with this lady on the phone.
Consumer complaint received 2022-07-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION ()

Joint checking account held by wife and self with XXXX which became SunTrust for over 32 years. In XX/XX/2021 Truist bank emailed us to say they would be taking over SunTrust, not to worry, we need do nothing, as they would take care of everything. We heard nothing more by mail or email. We discovered our debit cards had been cancelled when they were declined whilst we were on. US based cruise ship! Not only that, when we contacted Truist online, our account had been changed from a few free account to one that required monthly payment if balance dipped below a certain level - Worse than that is the fact that they have removed my wifes name from the account. We were told she had to register to be included on account! But the firm online discriminated against overseas clients, as it will not proceed without a zip code, which we do not have. We have called repeatedly, racking up telephone bills of over {$60.00} - to no avail. We have emailed, and literally spent hours on online chats, again to no avail. We do not have any trust in Truist, and now simply want to close the account and transfer our funds to a XXXX Bank, which is where we reside. We have hit a brick wall!! We wanted an immediate bank to bank transfer- told not possible, call into your local branch!!!! In the XXXX??? Asked for wire transfer, now on third impotent call and on online chat getting nowhere!!!
Consumer complaint received 2020-05-18
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. (NJ)

Upon reviewing my credit file I noticed a derogatory mark stating that I was pass due on an account from XXXX with a XXXX balance. I send all three bureaus validation of debt letters along with a request for a method of varication. They sent me a letter stating the account was verified as reporting accurately. I contacted the original creditor and was told that my balance was XXXX balance. I also noticed that all 3 bureaus were reporting 3 different open and close dates. According to the original creditor the open date was XX/XX/2015 notXX/XX/2015 per XXXX  and not XX/XX/2015 per Experian and XXXX. If they actually completed a through investigation then why is the reporting information different from the information the original creditor has provided me. Due to the apparent neglect of my credit file. I would like this account completely removed from my file immediately. This is a major violation of the FCRA.
Consumer complaint received 2020-05-18
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$4000.00} US DEPT ED XXXX {$8200.00} XXXX XXXX {$390.00} U S DEPT OF EDXXXX XXXX {$560.00} XXXX XXXX {$2000.00} XXXX XXXX {$1800.00} XXXX XXXX {$11000.00}
Consumer complaint received 2020-05-18
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$4000.00} US DEPT ED XXXX {$8200.00} XXXX  XXXX {$390.00} U S DEPT OF EDXXXX XXXX {$560.00} XXXX XXXX {$2000.00} XXXX XXXX {$1800.00} XXXX XXXX {$11000.00}
Consumer complaint received 2020-05-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: PRESTIGE FINANCIAL SERVICES INC (VA)

In 2015 I entered into a payment plan to pay off a roughly {$11000.00} balance to Prestige Financial for a car I had to voluntarily have them repossess during my divorce. Since I have paid nearly {$11000.00} from what I can gather from my banking records. I have phoned them several times asking for statements and paid amounts and they told me they do not send out statements on " charged-off '' accounts. This morning I spoke with XXXX in their recovery division and she informed me that I still have a balance of {$9000.00}. When I challenged that and asked how, she said I signed a contract for {$38000.00} etc. I told her that contract was not the one in question, that was the original contract. The things that followed is what I am concerned about. They took possession of the car, sold it at auction, I had already paid the principal down through the 2 years of payments when I owned it, they got a judgement against me and I entered into a payment plan for {$11000.00}. Today I was dealing with an {$11000.00} debt that she informed me still has an additional {$9000.00} owed after 5 years of paying on it. I do not understand how that is accurate or legal. I can not afford another 5 years of paying for a vehicle I no longer own. I am laid off due to COVID-19 so I requested they remove me from the payment plan since I can't afford it right now. I need help. How is this legal??? They charged off the account, sold it and now they can recover {$20000.00} on an {$11000.00} debt due to interest????
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX  XXXX {$370.00} US DEP ED XXXX {$3800.00} XXXX  XXXX {$23000.00} XXXX XXXX {$300.00} XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX XXXX {$280.00} XXXX   XXXX {$770.00} XXXX XXXX  XXXX {$720.00} XXXX XXXX XXXX {$650.00} XXXX   XXXX {$5300.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2019-06-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (UT)

i have been fighting this charge since XXXX of XXXX on XXXX I sent another letter to the original debt company asking to verify that this is mine. They keep selling to different collection agencies saying failure to pay every month so they can keep this updated on my account ( they are re aging my account every month ) and they are failing to verify this collection. the fact of matter is my last payment last payment to the ORIGINAL creditor was paid XX/XX/XXXX. I was told this is a violation of the law.
Consumer complaint received 2022-07-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I discovered check fraud on my checking account on XX/XX/22. The next business day, Tuesday the XXXX, I contacted Citizens Bank by phone to report the fraud. At the time, there were two checks which the amounts and payees were changed, one for {$1500.00} & the other for {$1800.00}.

The Bank explained that they would investigate. In the meantime, the account was changed to credit-only and I was asked to open a new checking account. The representative also told us that we would be receiving a provisional credit which after multiple calls and " expedited requests '' they filed for me, I have yet to receive. 

On XX/XX/22, a 'Declaration of unauthorized Endorsement - Altered '' form was mailed to the house. It was promptly filled out and returned on XX/XX/22. 

It has been over a month since initial contact. I've called multiple times to inquire about the investigation and also visited my local Branch. They aren't allowed to give me information and tell me that someone will call me back in two business day, yet I never receive a callback. Worst of all they continue to tie up {$3300.00} without a provisional credit. For checks that were clearly doctored, this process has taken longer than expected without regard for a senior citizen 's funds.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

On XX/XX/2022, I submitted a dispute to Equifax, XXXX, and XXXX about some accounts that did not look right on my credit report. According to the FCRA, the bureaus must be able to provide the original documentation, we requested, for any and all accounts listed within 30 days. I requested that documentation and did not receive the method of verification within that time frame. 

I then sent a reinvestigation request on XX/XX/2022, to provide them a second opportunity to provide me with the method of verification, and still nothing has been received. 

At this time all three bureaus are in violation of the FCRA and I am filing this formal complaint with the CFPB. The accounts and reason for the investigation are listed below. 

XXXX XXXX This was a pay per delete agreement, but account is still showing on my credit profile. 

XXXX XXXX XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX I have never been late on this account and requested the payment history. 

DPT EDXXXX XXXX I have never been late on this account and requested the payment history. 

DPT EDXXXX XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

DPT EDXXXX XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

DPT EDXXXX XXXX I have never been late on this account and requested the payment history. 

DPT EDXXXX XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX XXXXXXXX This was a pay per delete agreement, but account is still showing on my credit profile. 

XXXX XXXX XXXX This was a pay per delete agreement, but account is still showing on my credit profile.