davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-08
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: FIFTH THIRD FINANCIAL CORPORATION (FL)

On XX/XX/XXXX Fifth Third Bank received a letter disputing the account they were reporting on my credit report. ( Please see " Fifth Third Bank Letter 1.pdf '' and Screen Shoot For " Fifth Third - Delivery One.png and " Firth Third Bank - First Signed.pdf '' ) I know that Fifth Third Bank had 30 Days from receiving my dispute to respond and added place a " Notice of Dispute '' on my credit report. 

30 days after XX/XX/XXXX I checked my credit report and Fifth Third Bank Failed to place a " Notice of Dispute '' on my account. 

XX/XX/XXXX, I sent a follow-up letter to Fifth Third Bank. ( please see " FIFTH THIRD BANK Letter 2.pdf '' and " FIFTH THIRD BANK - Delivery Two.png and " FIFTH THIRD BANK - Second Signed.pdf '' ) The follow-up letter was to notify them of their mistake ; That they violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day Period. 

Additionally, I've added signed copies from Fifth Third Bank proving they not only got the letters but also signed off on the letters. 

Finally, it is Monday XX/XX/XXXX about 6 months after and they still have not corrected their mistake. See " Fifth Third Bank XX/XX/XXXX '' png
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I applied for a personal credit card and was approved for it. When I tried to log into the personal account, I could see the account in the backround was my log on for the company account, I work for. I contacted capital one the following day as I did not want my work accounts associated with my personal account. After an hour and speaking with 4 different people who some said don't log into that account and another who removed my personal email from my personal account. It still could not be fixed, I went to the bank and was told after calling from the branch to the credit card services to wait 72 hours for the system to work though the issue. It is now Monday the XXXX and called Capital One from home and they again had me try to log into my business account and could not fix it. I canceled both credit cards I have on file for personal use with Capital One. Then I went to work, and a letter was sent to me regarding my account haveing not been used in years and they were going to close it. I assume this again was my PERSONAL account sent to my work address. There is NO reason why my personal accounts should be linked with credit card accounts I use at work for bookkeeping purposes only! 
One attached Doc shows my work email affiliated in background for sign on not my personal email which is where the link came to sign on.
Consumer complaint received 2021-05-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NC)

I have not been able to log into my Coinbase account for two days. After following the recovery steps, I get a we are experiencing connectivity issues page, or your account is temporarily disabled message. They claim to have specialists working on the issue. 
I have researched this site and have seen dozens of people stating that they have been locked out of their accounts since XXXX or XXXX. There is no phone number to call for live support. My case numbers are : # XXXX and # XXXX.
Consumer complaint received 2020-12-03
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. (GA)

I am reaching out to you so that you will assist me in getting identity theft items and incorrect status items and unknown items removed from my credit file. the following items does not belong to me : The Bureaus - XXXX XXXX XXXX  - {$560.00} Unknown - Acct # XXXX ; Bal {$41.00} Unknown - Acct # XXXX ; Bal : {$41.00} XXXX - {$1300.00} XXXX  - {$390.00} The following items are reporting an inaccurate late status for the following accounts : XXXX  - Bal : XXXX ; incorrect late status of 30 days late in XXXX and XXXX XXXX  XXXX - Bal : {$19000.00} ; incorrect late status of 30 days late in XX/XX/XXXX XXXX XXXX XXXX - Bal : {$200000.00} ; incorrect late status of 30,60, 90, 120 days late in XXXX and XXXX The following Public Record is not mine : Chapter XXXX - Dismissed XXXX
Consumer complaint received 2021-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MT)

Saturday, XX/XX/2021 - To make a Sevice appointment for my mother, I had to give my credit card number to the company - I told them at the time that they may not be allowed into the facility because of COVID. The charge showed up immediately as pending ( no surprise ). They said I would not be charged if I canceled. I immediately found out that they would not be allowed in and canceled the service call which was tentatively scheduled for one week later, Saturday, XX/XX/XXXX. I canceled by email, phone and chat, all confirmed I would not be charged. The charge went from pending to charge 4 days after canceling, on Wednesday, XX/XX/XXXX. Upon calling the service company, XXXX XXXX ( part of XXXX XXXX XXXX ), and my Citi Visa, I was informed I would not receive the credit for {$99.00} for 14 days! They are not disputing the credit, but it will take that long. I pay my credit card in full every month. It closes in the next couple of days, so, now I will be out {$99.00} or have to pay interest. My question/complaint is how a charge is allowed to hit immediately, but an undisputed credit is allowed to take 14 days?! Criminal! What a scam! Is it the service provider or the credit card company? This is not so much about the {$99.00} as the legality of this delay.
Consumer complaint received 2019-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

Experian is requiring exposure to identity theft in order to have the security freeze temporarily lifted. I tried to get the security freeze temporarily lifted in order to apply for a new credit card. After providing ALL of the information requested over Experian automated system ( including my social security number and Experian Pin number ) the automated system said that in order to have the freeze removed I would need to send them, via US Mail, my social security number, date of birth, proof of address such as a utility bill. It is absurd to request that people put this information in the US Mail, which is unsecure. It seems that Experians intent is to increase the risk of identity theft. This is probably to mask the breaches in Experians security system. In the event of identity theft ( due to breaches in Experians security system ) Experian would be able to point to the reckless behavior of putting this sensitive information in the US mail. I could not get to speak to an actual person at Experian. So I am in the situation of have no credit report unless I recklessly put myself in danger of identity theft.
Consumer complaint received 2022-02-03
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. (NC)

On XX/XX/2022, I received a notification from XXXX XXXX XXXX  on a credit inquiry request. 
See below New Inquiry detected on your credit file XXXX, the following change to your credit file has been detected. 

Change : New Inquiry Company : XXXX XXXX Reported by : Equifax I had never made such a request from the company, XXXX XXXX. I called XXXX XXXX XXXX number in their credit request phone number. I gave my name and current address. Nothing came up. The representative listed sister companies where I may have applied for credit. From my knowledge, I have not applied to any. They asked for my social security number. Owing to the fact that I had never heard of the company, I elected to not give my social security number and hung up. 
I called XXXX XXXX  on the following Monday to report the incident. I talked to a representative on Tuesday who provided the information to inform which relevant parties to inform. 
No other steps have been taken from my side.
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc (FL)

XXXX ran a background check using Chekr background check service and an old driver license from a different state was shown as SURRENDERED and EXPIRED instead of my current license as submitted by XXXX. This is despite the fact they had the current information. This was reported to XXXX and they suspended my account. I called Checkr to investigate and correct the matter, but they then sent another report that listed both licenses, but the EXPIRED one as the current, so the report was still inaccurate and XXXX will not reinstate my account. 

This problem has occurred every year for seven years, each time XXXX ran the background check. Previous calls to correct the problem have not resolved the issue without significant time and effort. The last time, it wasn't corrected for four months.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (DC)

I have received a copy of my credit report and it shows company XXXX XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$730.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2019-04-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (OH)

I purchased a XXXX XXXX XXXX XXXX in XX/XX/XXXX that was financed through Santander Consumer USA , Inc for a 72 month term. My original payoff date was supposed to be XX/XX/XXXX but during the length of the loan I have had to request 3 payment extensions due to financial issues and I was told each time that I made the extension request that each extension adds 2 months to the end of my loan, which means 6 months should have been added to the end of my loan. Since my original maturity date was XX/XX/XXXX adding six months to that should have meant that my loan should have been done XX/XX/XXXX. But my complaint is about XX/XX/XXXX, on this date I requested my third extension and on the recorded phone call the representative told me that my new maturity date would be XX/XX/XXXX if I wasn't late on any payments and since XX/XX/XXXX I have not been late on a payment. However, when I made my payment in XX/XX/XXXX my maturity date has been extended to XX/XX/XXXX with a payoff amount of {$5600.00}. If I continue to make my contract payments of {$430.00} to payoff this {$5600.00} I will be paying for this car until XXXX because Santander extends the maturity date until the loan is paid which mean I'll be paying for this car 8 years and this car is not worth it. I have reached out to this company through other complaint correspondence but all I receive is a generic response about my interest rate and when I signed the contract agreement but no one is investigating the call in question and offering a solution to this dispute.
Consumer complaint received 2020-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

My account was locked XX/XX/2020. I called the bank to ask why my account was locked, but I was denied any explanation. I was told it will take 7-10 business day to process the account for closure and another 7-10 business day to mail my balance in form of a cashiers check. I later called them after 4 weeks and was told that my money cant be released because they want to be sure the fund was meant for me. I called again and was told to bring evidence to the local branch to proof the money was intended for me. I submitted the proof on XX/XX/2020 and I was told the evidence has been approved that my money will be mail next business day which XX/XX/2020. I later received a call XX/XX/2020 from XXXX and his supervisor that they can not release the money because they want to further investigate the money. This is being ongoing for over a month. The money that is being held has verifiable source which IRS for my tax return and my unemployment benefits. This is frustrating. I am out of job right now due to COVID-19 and chase bank is holding my money for no reason. I am beginning to believe theres more to this. I want to believe I am being discriminated against because of my name. Please help me to reach out to them to release my money.
Consumer complaint received 2021-05-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Crossroads Systems Inc. (MD)

Applied XX/XX/30, was approved XXXX for a PPP loan. I signed loan documents XXXX with XXXX / XXXX XXXX as the lender. It has been over 18 business days and I still have not been funded. I have created OVER 20 support tickets to be contacted, called XXXX XXXX for a call back, in addition to emailing the CEOS of XXXX and XXXX XXXX with no response. I have a loan number on the XXXX  website, but no movement as far as funding
Consumer complaint received 2022-02-03
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Exeter Finance, LLC. (GA)

Company names is Exeter finance I have been harassed for three years for a debt thats not mines I need this company deleted off my credit report immediately I Have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX I may presume that no proof of the alleged debt, nor therefore any such debt in fact exist.
Consumer complaint received 2021-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (GA)

I paid my CITI Bank XXXX ( Citibank Customer Service XXXX  XXXX XXXX XXXX XXXX, SD XXXX ) 2 weeks before the due date by phone. I enter my bank account and routing number and LISTEN for the automated system to repeat it. CITI says that I entered the wrong account number and CHARGED me LATE and OVER THE LIMIT FEES in excess of {$110.00}!! This is a SCAM and FRAUD!!
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC (IL)

I filed a complaint with you against Mariner Finance XXXX IL and XXXX within the last month and they finally refinanced my one loan I have with them to 12 mo with a XXXX mo payment so I can get it paid off but are NOT reporting my payment amount, term of loan months or last payments made for the last two months!!! They also did not note on each of my prior loans closed and refinanced as all banks and loan companies do!!! They also made me borrow {$200.00} more in order to refinance it down to a year of payments instead of the four they were trying to gouge me for!!! I want this report corrected NOW! I want them fined for every error they made as they are doing this intentionally!!! I want a corrected copy of all three of my credit reports mailed to me paper form and to your office so you have proof!!!
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (TX)

I have a credit card with Comenity Bank for XXXX XXXX XXXX XXXX. For the past 5+ months, it has been declined. I have {$0.00} balance. I added an authorized user in XXXX of 2021 & the bank removed this person without my knowledge. When the bank did this, they closed my card for whatever reason. Ive called 6 different times & spent more than 30 minutes on the phone with them each time. The first few times I called, they could not tell me why it was being declined. The next times I called, they said it was a system glitch & were working to get it resolved. It has been months & I still am not able to use this card. Id close it if it would not affect my credit. They dont have a timetable of when this issue will be resolved. On top of that, they have not reported my balance since XXXX to the credit bureau.
Consumer complaint received 2022-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (NV)

I checked my credit report today XX/XX/XXXX because I got an alert from experience about a change shows IC systems for XXXX in the amount of XXXX. This account was open fraudulently. I was told account was open back in XXXX for a month when I called. I don't have have XXXX services. This account was open fraudulently
Consumer complaint received 2019-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Quality Recovery Services, Inc. (GA)

1 ) On XX/XX/XXXX I was allowed early release from my lease by XXXX at XXXX apartment complex. 
2 ) On XX/XX/XXXX my application for apartment rental at XXXX XXXX XXXX XXXX was declined citing derogatory collections filed on my credit report. I ordered a copy of my credit report and found that Quality Recovery Service ( working with the aforementioned XXXX at XXXX XXXX  ), had recorded debt owed in the amount of {$3300.00}, in error on my credit report. Quality Recovery Service later reduced this amount to {$1400.00} and later to {$330.00}, in an attempt to correct their error. 
3 ) On XX/XX/XXXX I received a copy of a letter from XXXX at XXXX XXXX  addressed to Quality Recovery Service informing them that I " was allowed to move out without termination penalty ''. 
4 ) On XX/XX/XXXX I wrote a letter to Quality Recovery Service asking them to remove the collections from my credit report, which was placed in error, and to send me an invoice from the correct amount owed ( for water bill not yet received at the time of moveout, and prorated rent. ) I indicated in that same letter that I'm will to pay any amount owed, but Quality Recovery Service has refused to removed the {$330.00} from my credit report. 

The problem is that I'm willing to pay this amount but not until they correct their error by removing it from my credit report and billing me! Even after I make the payment, the record on my credit report would only show paid in full, when they should not have placed any amount on my credit report in the first place. I am pleading with CFPB for assistance in getting Quality Recovery Service to first removed the error from my credit report then invoice me for the correct amount and If I refuse to pay, that is only when they should report a delinquency to credit reporting agencies. They can't just reduce the amount of their error, they have to reverse the error and invoice me the correct amount to pay!
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I opened a XXXX XXXX credit card in XXXX of XXXX which Equifax refuses to report. XXXX XXXX says they are reporting it. This adversely affects my credit worthiness as I have never missed a payment.
Consumer complaint received 2021-05-09
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)

On XX/XX/2021 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 im 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-03
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC (GA)

I Have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX I may presume that no proof of the alleged debt, nor therefore any such debt in fact exist.
Consumer complaint received 2022-08-04
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.