davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One closed my secured card account because one of my bank accounts closed. Once a payment was reversed from the closed account, I made a payment from my other bank account that I have been making payments from, I am not sure why they would abruptly close my account. 

they provide this : Dear XXXX XXXX XXXX, We're closing this account because activity on this or another account is not consistent with our expectations for account usage and violates the Capital One Customer Agreement. 
Please stop using this account immediately and destroy any cards and checks associated with it. Also, you should update any recurring payments being charged to this account, including gym memberships, subscriptions to online streaming services, etc. 
You're still responsible for paying any remaining account balance and will continue to receive billing statements until the balance reaches zero. 
If you have questions, please call us anytime at XXXXCAPITAL ( XXXX ). 
Sincerely, Capital One EQUAL CREDIT OPPORTUNITY ACT The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Bureau of Consumer Financial Protection, XXXX XXXX XXXX XXXX, XXXX, DC XXXX
Consumer complaint received 2020-09-02
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I sent disputes to company on XX/XX/2020 and still haven't received a response. The information being reported is damaging my credit. I feel like Im being looked over and it is really affecting me. Please intercede to have the incorrect items updated. I don't know if this is a result of me being affected by the XXXX  breach but I can't wait until this is over. 
Thank you for your assistance
Consumer complaint received 2020-09-02
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: SYNCHRONY FINANCIAL (NH)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2020-09-02
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. (OR)

In XXXX of 2019 I ended up almost losing my life because I had a XXXX XXXX. I fell behind on my credit cards and two of which have no interest in helping me with the late reporting on my credit report. I provided documentation and there should be laws to protect the consumer if things out of control occurred. Two accounts were brought current and paid off. Before my XXXX XXXX I had stellar payment history. XXXX account services is one of the businesses. I was paying for a piece of work out equipment which lead to my XXXX XXXX. It states in my medical record that I can not exercise. They refuse to help. Comenity bank I had a torrid credit card with them. They claimed I dont meet criteria when I almost lost my life. This is extremely wrong
Consumer complaint received 2020-09-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (NY)

This company originally tried to collect on this debt in 2017, I had it removed from my credit report because its not mine and the company had no information that concluded that it was mine. Now its back on my credit report again. Ive contacted the company by sending letters and nothing has changed
Consumer complaint received 2020-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Bank of America is reporting incorrect information which is stopping a borrower from proceeding with a refinance as well as a purchase. Bank of America is reporting an account as if it is deferment when a borrower had never requested the deferment and has made continuous payments on the debt in deferment. By doing so, this stops a Veteran from bettering their financial position and proceeding with a refinance as well as a purchase. 

Our third party credit service has made attempts to order a credit supplement to have Bank of America update the information but Bank of America refused to remove. The incorrect report of deferment on the consumer 's credit is not allowing a new lender the ability to close on the consumer 's new financing as a mortgage loan is not resalable under VA guidelines with an account in deferment.
Consumer complaint received 2020-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To whom it may concern on my credit report I was being told I had applied for a new XXXX XXXX XXXX on XX/XX/2020. I never applied for a XXXX XXXX XXXX  on that date as I am perfectly happy with the XXXX XXXX XXXX I already have. The problem here is I had disputed this a few different ways and it won't go and is still showing up as a hard inquiry when this is fraud and never authorized by me. Under the fair credit reporting act 609 to my understanding since they can not prove I applied for card which I didn't they must remove this inaccurate information. When I spoke to XXXX XXXX over a month ago as to what was going on they said that department who handles fraud and applications is not in due to covid. I asked them when they will be back they weren't sure. I had called a few times to resolve this but it has gotten no where.
Consumer complaint received 2020-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

Someone from XXXX XXXX XXXX to me he was looking for people to hearing, I saw that email on my XXXX college email student email, my assignment will be to send and received gift to the list off other company the will give to me, theirs pay me $ XXXX Work from home, theirs send me my a check {$3500.00} in the XXXX XXXX mail, I deposit the check in my account, when the check was cleared Their ask to transfer {$1000.00} to my cash app from my main checking account. The time I realized the block my account and freeze my account and also my joint account with my wife and I, for XXXX weeks now. 
And also ended up the relationship with me.that santander bank.
Consumer complaint received 2020-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (MA)

XX/XX/2020 A Force Post Debit Amex Epaynent of {$1100.00} overdrew my XXXX XXXX  checking account by XXXX they refuse to fix i am XXXX yr old with health problems can not get my meds, food, etc dire straights need help asap
Consumer complaint received 2020-10-14
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: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws. 
Please note that I am requesting VALIDATION ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these companies : 1 ) PORTFOLIO ( XXXX XXXX  ) ACCT # XXXX ATTACHED LETTER 2 ) XXXX XXXX ( XXXX XXXX XXXX   ) ACCT # XXXX ATTACHED LETTER 2 ) XXXX XXXX XXXX ( XXXX XXXX XXXX ) ACCT # XXXX ATTACHED LETTER This month the FTC, and XXXX XXXX XXXX XXXX have announce Nationwide Crackdown on Abusive Debt Collection Companies. 
This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached certified letters that were sent ). 
I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation. 
In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the XXXX for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. 
Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter. If not you must remove the accounts listed above. These accounts have hurt my ability to obtain credit.
Consumer complaint received 2020-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

On XX/XX/2020, I paid off my Bank of America AAA credit card. I paid the balance off and in full. The balance was {$2900.00}. 

When I got my statement which was for the period XX/XX/XXXX - XX/XX/2020, it had an interest charge of {$30.00}. The date of the interest charge was XX/XX/2020. 

I talked to customer service but I still do not understand how if I pay the balance off in full, they can continue to charge me interest.
Consumer complaint received 2020-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (CA)

I lost my Job in 2019 which placed a Financial Hardship on me and my family. 
I missed 8 payments ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2019 ). 

The representative informed me that there is nothing the company could do about Missed Payments from XX/XX/2019. 
The Missed Payments is placing a hold on my process of Purchasing a Home and or acquiring new lines of credit by having a negative  reflection on my XX/XX/XXXX.
Consumer complaint received 2020-09-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NAVY FEDERAL CREDIT UNION (FL)

I paid off the loan in XX/XX/2020 but they are rude and not responding back to me and they didnt process my payment twice over course of 72 month auto loan they put payment to different account and slammed me with XXXX in late fees and XXXX in interest on late fees I have over paid them by XXXX dollars and they have ruin my credit by reporting at end loan 90 days past due and I have pay now clean my credit up 130 month costing me they refuse send me title and I paid them XXXX for XXXX auto loan and they keep giving different figures and have been discrimatory to me over phone as XXXX veteran, my credit has dropped over 130 points because of navy federal credit union
Consumer complaint received 2020-09-02
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (MD)

Ability Recovery somehow refuses to acknowledge that validity of debt does not allow them to report inconsistencies, inaccurate information and duplications. I have disputed this information several times, and it has been fraudulently verified. The validity of debt does not allow for false reporting of dates and amounts. It is defamation to report false information including dates, amounts, and duplicated debt to make it appear that debt is newer, older, or to attempt to collect more money. I requested debt validation in XX/XX/2020, and received no response. I was not given any opportunity to validate, verify or ( if valid ) satisfy the debt prior to credit reporting. 

The attached shows clear inaccurate date, inconsistencies, and duplicate reporting all violations of the FCRA.
Consumer complaint received 2020-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

Hard Inquiry was done on my credit without my permission and without a reason to do so. The hard inquiry that was placed by XXXX XXXX XXXX was placed without my knowledge, as well as, XXXX XXXX XXXX did not get my permission to do this. I had an account with XXXX XXXX XXXX in the past with a total balance of {$1900.00} that was included in my Chapter XXXX Bankruptcy filing. This account was never updated with Transunion to be closed out and confirmed to be included in my Chapter XXXX I realized. I reached out to XXXX XXXX XXXX to address this issue on XX/XX/2020, and at this time the collections department manager informed me he was behind and would get it corrected as soon as possible. Fast forward to XX/XX/2020, I once again checked my credit report and this account was still reporting incorrect with the outstanding balance and as a bad debt. I reached back out to XXXX XXXX XXXX and they requested proof of this on how it was being reported to Transunion ( I provided them proof on XX/XX/2020 ). They confirmed and agreed and said they would get this corrected once again as soon as possible. Fast forward again to XX/XX/2020, I rechecked my credit report and noticed it still had not been changed. I reached out to XXXX XXXX XXXX once again informing them on this and received a notification from Transunion, that XXXX XXXX XXXX placed a hard inquiry on my consumer credit report for an unknown reason. I reached out to XXXX XXXX, the collections manager at  XXXX XXXX XXXX to inform him that I see he had placed the hard inquiry. His response was I had to see how it was reporting. I reminded him that back in XXXX, I sent him proof of how it was reporting and showing on my credit report. At this time, Mr. XXXX informed me they finally realized they were not going into the correct system to get this request processed ( AUD was placed through E Oscar a few days later and he informed me they would request the  hard inquiry be removed as well if they could ). I reached out to the President of the bank and requested that this hard inquiry be removed since I did not give permission to do so and requested a letter of deletion be sent to me on XX/XX/2020 and I have yet to hear back from anyone at XXXX XXXX XXXX or receive the letter of deletion. My XXXX XXXX XXXX collection account was changed and is currently reporting correctly now.
Consumer complaint received 2020-09-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I have on several dates, XX/XX/20, XX/XX/20, & XX/XX/20, sent letters to Portfolio Recovery asking for the company to verify the debt they claim I owe. To no avail has the company provided any contracts that I have/had with them. This debt is unverifiable and has no validity.
Consumer complaint received 2020-09-02
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. (MD)

Experian, XXXX and XXXX has allowed XXXX XXXX to report inconsistencies, inaccurate information and duplications. I have disputed this information several times, and it has been fraudulently verified. The validity of debt does not allow for false reporting of dates and amounts. It is defamation to report false information including dates, amounts, and duplicated debt to make it appear that debt is newer, older, or to attempt to collect more money.
Consumer complaint received 2020-09-02
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Flandreau Santee Sioux Tribe (RI)

To whom it may concern, Creditor/ company that they identify as XXXX XXXX XXXX XXXX XXXX has contacted my girlfriend on 4 or more occasions and left messages in regards to a debt possibly owed through Rushmore Financial. These calls started on XX/XX/2020 and have been occurring multiple times daily through today XX/XX/2020. They state they will be serving me papers for debt owed through a courier to my home and or employer. However I am informed them multiple times that I no longer live at address on file nor work at employer they have on file. I have attempted to provide new address and they then hang up and call back and continue to harass me. When they call back they state same thing all over again about coming to my home and employer to serve me but won't allow me to provide new address. They also have shared debt or personal information with a 3rd party and I have documented voicemails. Their number comes up as NO CALLER ID as well.
Consumer complaint received 2020-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX has removed incorrect entry the report and the three major bureaus refuse to remove it from my report. I have long suffered from this willful violation of my section 604 rights for my fair credit reporting rights.
Consumer complaint received 2020-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX To Whom It May Concern, Going over my credit report, I have found that there is inaccurate information listed such as my year of birth & address ( es ) in which I am requesting an investigation for the following erroneous items : I Demand Deletion of all these inaccurate year of Birth : XXXX I Demand Deletion of all these inaccurate addresses : - XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX - XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX - XXXX XXXX XXXX XXXX, XXXX, PA XXXX. 

My correct information is as follows and I have attached proper documentation to support my request : ( can send a utility bill etc. to show that you reside there and a copy of your licenses. 
1. My name is XXXX and should be spelled, FIRST NAME IS XXXX AND LAST NAME IS XXXX 2. My current address is : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX Please delete the above disputed items and ( 30 ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit report.
Consumer complaint received 2020-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX, XXXX and Transunion has allowed XXXX XXXX to report inconsistencies, inaccurate information and duplications. I have disputed this information several times, and it has been fraudulently verified. The validity of debt does not allow for false reporting of dates and amounts. It is defamation to report false information including dates, amounts, and duplicated debt to make it appear that debt is newer, older, or to attempt to collect more money.
Consumer complaint received 2020-09-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC. (FL)

Enrolled in the free checking bundle with an offer of {$300.00} with the First Citizens Bank. The requirements that were I make 10 debit card transactions within 90 days and I did so. They haven't paid and weren't helpful when I messaged them. I want my bonus offer money.
Consumer complaint received 2020-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I had an account with XXXX XXXX. I received a call from collection agency XX/XX/2020, advising that if I paid the settlement offer the item would be removed from my credit report. 2 months later the item is still reporting negatively on my credit report.