davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are multiple instances of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. 
Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

( Original Creditor : XXXX XXXX XXXX ) XXXX Collection {$0.00} XXXX XXXX Collection {$0.00} XXXX XXXX Collection {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX Repossessions {$3900.00}
Consumer complaint received 2019-05-30
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: EQUIFAX, INC. (SC)

Dispute 14 inquires on equifax. Only 2 remove. All should be removed as they are not mines. Tired of the runaround with equifax about this matter.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: William D. Meeker Enterprises, Inc. (TX)

I was looking for a HELOC rate, so I searched online and found this company. Spoke to the representative and not once did I ever authorize or give permission to have a hard Credit pull. Come to find out he pulled a hard request. I have emails to provide as proof as well. Once I contacted the company, they were very hesitant and apprehensive to resolve this problem. I filled out paperwork for this company so they can dispute it with the reporting agency, but still have not heard anything back. I would like that hard pull removed from my credit report. I never gave my Social Security number out, so I am not sure where he got my Social Security number from to pull the inquiry from. Very concerning.
Consumer complaint received 2023-10-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (MD)

I hope this message finds you well. I am writing to inform you of a distressing issue involving identity theft that has directly impacted my financial well-being. Upon conducting a review of my credit report, I discovered an unauthorized account that was opened in my name with Pro Collect. It is important to note that I have not initiated nor authorized any business or account with this entity. 

The existence of this fraudulent account has caused considerable damage to my credit report and subsequently to my overall financial standing. I am deeply concerned about the adverse effects this may have on my financial health and credibility. I firmly believe that this unauthorized account is a direct result of identity theft and I am actively taking all necessary steps to address this situation. 

I have already taken initial actions by contacting Pro Collect to dispute the account and have filed a report with local law enforcement to report the identity theft. Nevertheless, as the impact on my credit report persists, I am reaching out to request your assistance in rectifying this issue. 

I kindly request your support in investigating and promptly removing this fraudulent account from my credit report. Your intervention and guidance in this matter would be immensely appreciated to ensure the accuracy of my credit history is restored. 

Enclosed with this email, you will find the pertinent details regarding the fraudulent account for your reference. Should you require any further information from my end to facilitate the resolution of this matter, please do not hesitate to reach out. 

I am fully committed to cooperating with your team to swiftly resolve this issue. Thank you for your attention to this pressing matter. I eagerly await your guidance and assistance.
Consumer complaint received 2020-03-21
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: Selene Holdings LLC (OH)

Good Afternoon, Submitted Ongoing dispute : XXXX  DISPUTE # XXXX and Seline Finance in XX/XX/XXXX-XX/XX/XXXX. 
This fax is a dispute Seline Finance as they have misapplied and in error marked my payments as late on my credit report for : XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Base on Supporting documents : Please see the attached XXXX XXXX  Payment activity, Electronic Check numbers, Bill Payment transactiohistories and Electronic online payments noted with an asterisks and arrow with Seline payment as proof of all payments from XXXX XXXX  Banker XXXX XXXX. 

Seline Finance : After review, please reconcile the late payments you have marked on my credit as disputed above. Note : XXXX XXXX XXXX XXXX  is now servicing my loan as of XX/XX/XXXX. 
On XX/XX/XXXX I recieved notification from XXXX  and Seline that they did not acknowledge correction on my credit. Even my bank XXXX was shocked and said they probably did not even look at the supporting documents including account payment activity transactin history and electronic check numbers. XXXX XXXX suggested a file complaint through the you, the Consumer Financial Protection Bureau. 
Thanks, XXXX XXXX Property Address XXXX XXXX XXXX XXXX Ohio. 
Email XXXX XXXX
Consumer complaint received 2023-10-24
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/XXXX Capitol One without prior notice closed my savings account with all my savings in it in the amount of {$22000.00}, and they have delayed the process of giving me that money, even after several phone calls with manager level representatives. 

I called Capitol One the day the account was closed on XX/XX/XXXX and talked to a manager in the customer service department they told me that they couldn't find a reason why the account was closed, saying that it looks like an email from the office of the president of their company close the account. I told them that I needed access to my money as soon as possible. The representative told me that they could cancel the check and electronically transfer the money. Thinking this would be the fastest way to get my money. I asked them to do this. I gave them my new address because the address they had on file where they sent the check is an old mailing address. 

I followed up on XX/XX/XXXX with another phone call and another manager in their customer representative section. They told me that there was no answer from the president 's office about why my account was closed and that it appears that they were still attempting to cancel the check, the initial time frame I was given of getting my money in a few days was not met and this manager told me that perhaps on XXXX  or XXXX  of the next week on XX/XX/XXXX my money would arrive to my bank account. 

On XX/XX/XXXX I called the bank again after receiving an email from Capital One saying that I had to sign an affidavit and get a notarized, spending my own money, and mail it back to them in order to stop payment on the check and to initiate any transfer my money to me and that this could take up to 95 days. I could not wait 95 days to get this money so I called again and I spoke to another manager. The information about my complaint on this day is below for tracking purposes. That manager attempted to get the money from the original check that was mailed to me and that I had originally been told could be canceled quickly uncancelceled so I could cash the original check sent to me. She told me that she could not find any notes in the system from the president 's office explaining why my account was closed. 

Ticket number : XXXX Badge number : XXXX, name : XXXX XXXX team I have been denied funds for my own bank account for a week now and this is critical because I was told by them originally when this account was closed that I could get it back quickly in a few days. This is not true. They're now attempting to hold my money for 95 days. On top of that, they have not done any due diligence to explain to me why this bank account was closed, which is a complete mystery to me to this day.
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (FL)

On XXXX XXXX XXXX, I received a Debt Cancellation Notice from AMERICAN EXPRESS COMPANY regarding account XXXX, which pertains to my Amex Green card. I would like to assert my consumer rights : I have the right to withhold the disputed amount, and the creditor is prohibited from trying to collect any part of any required payment I believe is related to the disputed amount, including associated finance charges. 

The creditor is obliged to correct the billing error and credit my account with any disputed amount and related finance charges, as applicable. Furthermore, they must mail or deliver a correction notice to me. 

While the billing error is being resolved, I retain the right to withhold the disputed amount, and the creditor may not attempt to collect any portion of any required payment related to the disputed amount, including related finance charges. 
Additionally, in accordance with 15 U.S. Code 1666d, which addresses the treatment of credit balances, the creditor must take the following actions whenever a credit balance exceeding {$1.00} is created in connection with a consumer credit transaction : A. Credit the amount of the credit balance to my account ( XXXX XXXXXXXX ). 
B. Refund any remaining credit balance upon my request. 
C. Make a good faith effort to refund any remaining amount of the credit balance to me by cash, check, wire transfer, or money order if it remains in the account for more than six months, except in cases where my current location is not known to the creditor and can not be traced through my last known address or telephone number. 
D. Keep account open. 

I intend to communicate with AMERICAN EXPRESS COMPANY promptly to ensure the protection of my rights as a consumer and to address this matter effectively.
Consumer complaint received 2019-08-21
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. (TX)

Experian has decided to take it upon themselves to create false accusations and have stated that they have a right to unblock FRAUDULENT Accounts that were opened as a result of Identity theft. Experian has already been notified that these were fraudulent accounts and took it upon themselves instead to unblock the fraudulent accounts illegally. Marked a consumer statement saying these cards were used by an unauthorized user fraudulently. When in fact the whole credit card account is fraudulent, The application for the credit card(s) were in fact fraudulent in XXXX, as XXXX XXXX XXXX XXXX advised me that the address used to open the fraudulent accounts was XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX which was included in my identity theft affidavit, Again Experian is allowing these fraudulent accounts to be unblocked stating "Material Misrepresentation" When in fact Experian has not provided such proof. This Material is not misrepresented. The account was opened from a thief using my identification documents that were stolen. The Address XXXX XXXX has doesn't match my credit bureau report address. Again a lie, secondly, I never recieved any cards from XXXX XXXX XXXX XXXX. XXXX XXXX was notified that I was a victim of Identity theft. I provided them my affidavit and they refused to research it. Per Law 603(B) I am a victim of identity theft. I do not have membership to XXXX XXXX XXXX XXXX (Which is required per their security department) I do not have any accounts with XXXX XXXX XXXX XXXX. XXXX has blocked these accounts. XXXX has handled this without issue. However Experian is the only credit bureau that is allowing the creditor to fraudulently place accounts on my credit file that a thief opened without my authorization, and then boldly writing a consumer statement I never wrote. My ID Theft Affidavit is attached to this complaint and I want this resolved as Experian is causing me monetary loss because of these two fraudulent accounts.XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXDate OpenedAccount charged off. $XXXX written off. $XXXX past due as of XX/XX/XXXX.(Consumer Statement Credit Bureau put on the file)Your StatementTHIS ACCOUNT WAS THE RESULT OF UNAUTHORIZED SERVICES.----------------------------------------------------------------------------------------------XXXX XXXX XXXX XXXXAccount NameXXXXAccount NumberCredit cardAccount TypeIndividualResponsibilityXX/XX/XXXXDate OpenedAccount charged off. $XXXX written off. $XXXX past due as of XX/XX/XXXX.Again Consumer statement not written by me - Your Statement(MY CREDIT CARDS WERE USED BY AN UNAUTHORIZED SIGNER WITHOUT MY PERMISSION.) These aren't my credit cards, I definitely wouldn't have authorized that statement when I am a victim of ID Theft.
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I have been trying to obtain my Equifax credit report for several weeks and I have not been able to view it. I have tried accessing it on Equifax's website, through XXXX XXXX, and a credit monitoring service I use called XXXX. None of those methods for viewing my report have been successful. I called Equifax on XX/XX/2019 and they were unable to see or fix the problem. I need to be able to view my credit report because I am in the middle of correcting inaccuracies across all three of my credit reports.
Consumer complaint received 2023-10-22
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: Affirm Holdings, Inc (PA)

XXXX XXXX XXXX ( XXXX ) purchased acclaimed Debt from Affirm. 
I ordered a mattress from Affirm ( XXXX ) XXXX on their trial period before covid pandemic in XXXX XX/XX/XXXX. I had attempted canceling my purchase before the trial Period ended. Affirm offered a trial extension and I was making payments. I then canceled my interest before ( extended ) trial period ended which included a full refund owed to me. Approximately {$250.00}. Affirm claimed they could not pick up the mattress because XXXXXXXX XXXX. I then stated I was not financially responsible for the mattress, and it could not be billed since this item was canceled. Once the pandemic was over Affirm did not pick up the mattress and therefore illegally sold this alleged debt to XXXX. I had made numerous phone calls and emails to both companies and have been the victim of pass the buck refusing to remove this incorrect delinquency from my credit bureaus. 

I contacted XXXX ( Affirm ) ( XXXX ) XXXX on XXXX XX/XX/XXXX and explain this entire matter. I do not owe XXXX ( {$1200.00} ) any money because I have no financial obligations to XXXX. My XXXX purchase was canceled ( XXXX ) my previous phone calls and emails to Affirm. I sent an email to customercare @ XXXX XX/XX/XXXX only to get automated response messages and pass the buck again to XXXX.
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: Bread Financial Holdings, Inc. (NY)

I need them to stop calling me harrassing me they call me 10 to 15 times everyday including weekends at any time. Please I need this to stop unfortunately I cant make payments I am struggling to stay afloat. i was making payments but I lost my job during covid and right now is making payment to card or paying my rent and putting food on the table for my family. These calls are driving me to desesperation. Please stop!
Consumer complaint received 2023-10-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Interest rate
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

PennyMac offered a 1 % lower rate for a year going through them. After I was in the mortgage process they told me it costs money to which I agreed and paid and signed for at closing. My rate is still at the unadjusted rate and I have called them 5 times, emailed twice and talked to my direct loan officer. The second time I emailed was after almost 2months of closing and promises to correct the issue and still nothing. PennyMac is in violation of my contract with them and refuses to fix it or contact me back.
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Complaint 1 : Advertising and marketing, including promotional offers ( misleading advertising ) On XX/XX/XXXX, I had a hard pull on my credit with Capital Ones pre-approved refer a friend program ( see copy of text from my friend that sent to me attached ). Capital One indicated in the documents Ive included ( attached with this complaint statement ), there would be no impact to your credit score, plus no credit score required to apply. This is definitely misleading and inaccurate as it ended up being a hard pull and my score dropped by 3 points as a result. Please review the two copies Ive included and complete the necessary investigation, and correct my score based on Capital Ones claim no impact to your credit score.

Complaint 2 : Problem with credit report and credit score The Capital Ones SavorOne credit card was recognized by XXXX, XXXX, and third party XXXX XXXX on XX/XX/XXXX with {$10000.00} available credit added to my credit amount line on Credit Karma. However, the XXXX XXXX XXXX credit card is no longer on the XXXX XXXX 's app after XX/XX/XXXX due to it being removed from XXXX. This may be due to my date of birth being incorrect, per the Capital One agent I spoke to. 
As of XX/XX/XXXX, Capital One has corrected my birth date and has updated my XXXX credit card account in their system. 


What I have done to resolve the issue : I have contacted Capital One about the above issue and their wasn't any satisfactory resolution offered and their reason was very misleading to and with XXXX Ones pre-approved refer a friend program.
Consumer complaint received 2023-10-06
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: Resurgent Capital Services L.P. (MA)

I have been disputing this account for several years. I have asked this company to provide me with any documentation that shows how this loan was obtained and they NEVER send me anything. Only generic documentation about all of their loans. Nothing about me personally. Nothing with my information on it. Nothing showing that the loan is mine or obtained by me. I have been asking for this information for years and they still have yet to provide me with any documentation. I have tried to dispute this through the credit bureau, and they state that the account is verified yet no one is sharing validation of this account. This is frustrating because no one is able to share validation of an account they are claiming was open on-line by me.
Consumer complaint received 2023-10-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (PA)

I signed up for a Truist checking account and was promised I would receive a sign-up bonus of {$400.00} if I completed their terms and requirements for the bonus. Their terms were : opening the specified checking account ( which I did ), then make sure that XXXX ( XXXX ) direct deposits ( from employer, benefits, etc. ) of at least {$500.00} are deposited into the account within 90 days of opening the account. 

I opened my account on XX/XX/2023. I had XXXX direct deposits that were deposited into the account from my employer. The were both for over {$500.00}. These are the exact dates and amounts of the XXXX deposits : XXXX XXXX : {$500.00} on XX/XX/2023 XXXX XXXX : {$500.00} on XX/XX/2023 I satisfied the terms and conditions of the bonus within the time frame that Truist specified, but they are denying me the bonus, claiming I did not meet the requirements. I received an email from Truist on XX/XX/2023 stating the following : " During our final review, we noticed that you did not meet all qualification requirements of the offer, therefore, the reward will not be processed. '' Apparently the XXXX deposits were erroneously coded in their system as person to person payments, but they are in fact from my employer. It is a direct deposit from my employer, so this meets the terms of the agreement. These paycheck deposits should have been coded as direct deposit, and the error is apparently with Truist 's online coding system. My account has never been in a delinquent state, and I am in good standing with my account status with them. I fulfilled the requirements, so I am entitled to the bonus that they promised from the onset of my opening an account with them.