davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I deposited my payroll check in XXXX atm on XX/XX/XXXX for {$570.00} and it cleared and was deposited on XXXX XXXXXXXX.i spent the {$570.00}. Then XXXX I deposited my payroll check for XXXX and it cleared and was deposited on XXXX. Then XXXX my payroll was direct deposited into my account and was cleared.i paid bills and was lefted with {$330.00} in my account on XXXX, on XXXX my account was overdrawn by {$810.00} when I called to see what was going on, they told me they placed a 10 day hold on both of the ATM deposits.after calling 4 different departments and locations one of them let it slip that no one picked the checks up from the ATM till XXXX so my first deposit was lefted in the ATM for 14 days and now I have to wait another 10 days to access the money that is already spent because it was cleared 24 days before I will be able to access it. On top of that I have to put a stop to my direct deposit coming on XXXX for {$520.00} because they will put that towards the overdrawn amount of {$810.00} still leaving me negative {$290.00}. I wont be able to access my money till XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXXXXXX Experian XXXX Account # : XXXX Balance : {$2900.00} {$2900.00} The above company is reporting a balance on a disputed account. I am writing to formally dispute an inaccuracy on my credit report as provided by your bureau. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. This dispute is also in alignment with XXXX XXXX compliance standards which mandate accurate and complete credit reporting by furnishers of credit information. The late payment and or balance on an account with XXXX XXXX. This information is incorrect because the account has been charged-off. { A discharge of an obligation or debt, and part payment, if accepted, is a discharge pro tanto. Hattrem v. Burdick, 138 Or.600. 6 P.2d 18. 19. } .Under the FCRA , specifically 15 U.S.C. 1681i, you are required to investigate and correct any inaccuracies within a reasonable time frame. Additionally, XXXX XXXX compliance guidelines stipulate that all information reported must be accurate and up-to-date. Please conduct a thorough investigation into this matter and correct the erroneous information. I have enclosed copies of relevant documents to support my claim. Additionally, under the FCRA, you are required to notify me of the results of your investigation and provide a revised copy of my credit report reflecting the corrections. Please acknowledge receipt of this letter and let me know the next steps. Should you need any further information, see attachments! 

Thank you for your prompt attention to this matter.
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Back in XX/XX/2021 I was solicited to open a Capital One QuickSilver account, I responded and opened this account on XX/XX/2021. A few weeks later received another solicitation to open a Walmart credit card through Capital One. Therefore I opened the Walmart credit card on XX/XX/2021. For the next few months used both cards per the policy/terms and agreement, which was created solely by Capital One, this includes charges and making successful payments. 
You can imagine my shock when I received letters from Capital One dated XX/XX/XXXXthat Capital One has decided to close both my accounts. 
Capital One has discovered past or present legal action involving an individual or entity associated with the account Unfortunately it can not be reopened and we are not able to offer additional information about this decision Capital One committed numerous violations just in the wording of the letter, but also violated our contract and both the State of Michigan and Federal laws. 
First, claiming Capital One is not able to offer additional information about this decision is not only a clear lie, I mean why not they have the information, because they used it to make their decision. Maybe they have information that they shouldnt. Further, refusing to provide a specific reason directly violates consumer rights protecting against discrimination. Capital One knows this, which means Capital One is deliberately breaking the law with the intent to cause me harm, this is another breach of contract. 
I am requesting the specific information Capital One used to close my accounts. Additionally, since Capital One has admitted they solicited me in error, that they allowed me to open these accounts in error then all information concerning these accounts should be deleted from my credit reports. 
As part of accepting the terms of the contract between myself and Capital One I agreed to the terms with the condition that I would have an open line of credit as long as I did not violate any policy or terms which I have not. 
Yet Capital One continues to charge a high monthly interest rate on both charge card accounts.
Consumer complaint received 2021-05-15
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: Experian Information Solutions Inc. (TX)

Companies response says they will take longer than 30 days to resolve the dispute. Fcra allows them 30days. The information they provided violates the fcra because it lies about the time frame a company has to resolve a credit dispute. A creditor can not provide misleading information to a consumer. Their response attached. FTC theft report number is XXXX. Please remove from credit bureaus.
Consumer complaint received 2022-12-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Hi I working with a credit repair company XXXX  keeps telling me this is a debt I own is in the past 7 years. Well this debt is over 9 years old. And now they up dated to 10 something 22. So they can keep it another 7 years. This debt is over 9 year or even 10. This needs come off already. I shouldn't have to pay for this all my life. Because they want to try to keep on my credit report forever you got 7 seven years to try to collect. It past it date on it. I know when it happened. XXXX. We in XXXX in a few days
Consumer complaint received 2022-04-08
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX/ {$0.00} / XX/XX/2018
Consumer complaint received 2021-03-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I was scammed by an advertisement from XXXX. The man sent me multiple emails and texts. We agreed upon rent and move in date. I sent him a deposit and first month and a half in rent then when I got to the place he discontinued his phone and no longer responded to my email. I reached out to my bank USAA to dispute this and they claimed there was nothing they could do.
Consumer complaint received 2020-09-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (TX)

US Bank Reliacard is in violation of Reg E. There are security issues with Reliacard. I gave had to get replacement cards and pay rush fees. US Bank Reliacard violates Reg E by not investigating my fraud claim, and simply closing without investigation to avoid giving provisional credit and to avoid investigating.

Twice now, the card has been compromised with XXXX transactions that I did not authorize. Reliacard complied with Reg E the first time fraud happened and they resolved in my favor. However, US Bank Reliacard did not stop XXXX the second time and did not notice the fraud. 

The exact same circumstances occurred again with XXXX, and I tried calling them but it took two days to reach US Bank Reliacard. The fraud was reported on XX/XX/2020. 

Despite knowing that I've been the victim of fraudulent XXXX charges in the recent past, this time, US Bank Reliacard did not even investigate and did not provide me with provisional credit within ten business days in accordance with Regulation E. The investigations can take up to ninety days, but to avoid complying with Reg E, US Bank Reliacard closed it to avoid investigating and to avoid provisional credit.  US Bank Reliacard found XXXX charges were fraud and resolved in my favor a month earlier, yet they ignore the preponderance of evidence and don't even investigate.
Consumer complaint received 2020-09-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (FL)

Received 2 phone calls on XX/XX/2020. The first call came in asking to speak with a family member in regards to a debt. I dont live with this family member so they are not supposed to call my cell phone to collect on a debt. I called them back and ask to remove my number from the dialed. Then a second call came in around XXXX  from a different from number and they heard my voice and hang up the call. 

NCB management services incorporated
Consumer complaint received 2020-09-15
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I had a Capitol One Credit Card, paid late, they sold it to XXXX XXXX XXXX XXXX XXXX did a great job of helping me ). Capitol One still shows that i have an active account with them even though I have a paid in full letter from XXXX.
Consumer complaint received 2020-09-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

Schools First federal credit union. On XX/XX/XXXX I made my final car loan payment ( proof attached ) the bank teller told me that the car title was going to be mailed to me. 2 years later I have not received the car title/pink slip. 
Neither the bank had communicated with me in any way, no mail correspondence at all in 2 years from the bank. 
On XX/XX/XXXX I walked into bank main offices to inquire about my car title. I was attended by XXXX XXXX XXXX after a while she said I can not give you your car title because you have credit card balance with us from XXXX. No proof or copies were provided of such thing. 
*Stop the bank from doing tricky practices. The car was totally paid in full and car title should be release no other costs or debts should be added to the car title. Thank you
Consumer complaint received 2020-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (GA)

XXXX : Account XXXX XXXX This letter is sent in response to [ a letter/phone call ] I received on [ XX/XX/2020 ]. I am requesting that you provide verification of this debt. 

Please send the following information : The name and address of the original creditor, the account number, and the amount owed. 

Verification that there is a valid basis for claiming I am required to pay the current amount owed. 

Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 

Please also note whether this debt is within the statute of limitations and how that was determined. 

Also please include proof of the original contract with my signature. 

Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-06-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (NJ)

We have been trying to get out of forbearance since XX/XX/2022, It is now XX/XX/2022. We have sent over every single documentation they have asked us for, and even then it was difficult for them to say they received everything they needed. We are tired of waiting for some documents we have to sign to receive, supposedly it only takes XXXX business days to receive and its been over a month since. 
Every time we call it is something different, they say they sent out documents with modifications to our loan and to get us back on track but we still have not received anything. Its been over 2 months with this back and forth. What we want is to start making payments to our mortgage and get back on track. There is always a different story whenever we call to follow up. We need this to get resolved ASAP. 
We have to get out of the forbearance.
Consumer complaint received 2021-09-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: E*TRADE BANK (DE)

This customer ( XXXX ) purchased a coaching program from my company. We spent 6 weeks on coaching calls, delivered multiple worksheets, and performed work on their behalf. They purchased with agreement to our terms of service that we do not issue refunds after 30 days.

The 30 days had passed and the customer did a chargeback on my XXXX  account. XXXX  did an ACH overdraft on my bank account making it go negative and my bank. My bank ( ETRADE Financial ) is now charging me multiple service fees and has closed my savings account without my consent.

No one has been able to help me and I've already submitted a dispute case providing sufficient evidence of the program being delivered to a satisfactory quality.

I am completely unhappy about the way this has been handled and they are telling me it will take until XXXX to get this resolved. 

I would like this to be reviewed by your staff and I need additional help on this situation.
Consumer complaint received 2020-09-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: LTD Financial Services, L.P. (IL)

On XX/XX/2020 I received a letter from LTD Financial Service XXXX XXXX regarding a debt owed to XXXX. I subsequently sent them a debt validation Letter on XX/XX/2020. On XX/XX/2020 at I received a call at which time I informed them that I sent in a letter requesting debt validation and told them not to call me until they received and responded to the request. On XX/XX/2020 at XXXXXXXX XXXX and XX/XX/2020 at XXXXXXXX XXXX   I received calls regarding the debt and the individual was very rude on the phone. In addition to the above mentioned calls, I received another call on XX/XX/2020 at XXXX. This violates multiple sections of the Fair Debt Collection Practices act. Specifically calling after they have been asked to stop and also attempting to collect a debt until they have satisfied my request for debt validation. LTD has been repeatedly sued for violations of the FDCPA with these exact practices. I am entitled to request in writing debt validation under the FDCPA.
Consumer complaint received 2022-07-11
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)

Please see attached Identify theft report, I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile. 
All 3 credit bureaus have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2021-08-27
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: LEXISNEXIS (MS)

XXXX  and XXXX  states that Lexis Nexis has provided them a copy of my credit file that states that I have a chapter XXXX bankruptcy that was discharged with the reference # XXXX. I spoke with a representative at lexis nexis who stated that this information was not sent to XXXX  or XXXX  and that this record is not on my lexis nexis file. Someone is furnishing incorrect information that belongs to my father XXXX XXXX XXXX. I have been trying to get the situation cleared up with XXXX  and XXXX  for 2 years and they have failed to investigate this issue and remove the record even with proof from the bankruptcy court in question and a copy of my lexis nexis report from 2019. This is my second or third complaint filed on these companies and each time they close the complaint with promises of investigating it then closed the dispute out without fixing anything. In fact they rotate between saying that the court verified this information then lexis nexis verified it. I've contacted the court and they continue to say that they do not report records so that's a lie.. I've also contacted lexis nexis who say that they do not report this information.. which is another lie.. Stop ruining people lives and understand that it is you'll civil duty to remove this record because it does not meet the FCRA guidelines.. Warning false and misleading reporting is a violation that I can seek compensation for!
Consumer complaint received 2021-09-08
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. (NV)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2020-09-15
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: Experian Information Solutions Inc. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-18
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. (GA)

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, MB XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2020-11-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (MA)

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XX/XX/2020 for 30 days. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-09-20
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. (PA)

Credit report agency is showing XXXX account Company is showing an account in collections on my credit report for XXXX from a credit card with a limit of XXXX. I attempted to contact this company over the last 2 years several times but was not responded to however they are illegal verifying the debt as valid to the credit agencies and refusing to respond to my request for proof. The company does not respond to emails and I'm not able to speak with an actual person because you need to enter you credit card number or personal information. I DON'T HAVE AN ACCOUNT SO I HAVE NO CREDIT CARD NUMBER AND MY PERSONAL INFORMATION I ENTER SAYS NO ACCOUNT FOUND. THIS COMPANIES LACK OF INTEGRITY AND ACCOUNTABILITY IS CAUSING DEROGATORY INFORMATION TO BE SHOWN ON MY CREDIT REPORT CAUSING ME HARM AND SLANDER MAKING IT IMPOSSIBLE TO LIVE A WORRY FREE LIFE AND FINANCIAL FREEDOM DUE TO THE ERROR THEY REFUSE TO FIX.