davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-07
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. (AL)

In XXXX and XXXX of 2021 I filed a dispute with the major credit bureau Equifax and XXXX about the unverified info being reported from XXXX XXXX XXXX XXXX, Account number XXXX and XXXX XXXX XXXX  Account number XXXX. 
In these months, these inaccurate accounts are still showing In Dispute status and according to the FCRA laws these items should have been removed for 30 day non compliance of FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies in over 2 months as of today. Thank you
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

In XXXX I had an issue with Capitol One processing payment from Bank account. Instead of the XXXX to XXXX business days in the fine print it was taking over XXXX  days. XXXX my bank is an online bank and doesn't hold deposits or funds to be processed for payment. There is no XXXX to XXXX business days to process, their policy is instant customer service and processing. No wait. After this dispute with Capitol One never even getting back to me, just closed the credit line. But still wanted payment, minimum being in the $ XXXX, and interest. So I paid. Opened another XXXX XXXX line thru my XXXX. Today they closed the XXXX card because of the XXXX dispute. 6 months later. No notice, or explanation. Never had a late payment or returned payment since XXXX. When I spoke to a supervisor he advised me because they can. And said no compliance department or anyone to speak to other than a lawyer. Goodbye.
Consumer complaint received 2021-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (MA)

Dear Sunrise Collection / XXXX ; Im confused and XXXX  and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I NOTICED FRAUDULENT INCORRECT AND QUESTIONABLE ACCOUNT ON MY CREDIT REPORT. THIS ILLEGAL ACCOUNT IS NEGATIVELY AFFECTING MY CREDIT REPORT AND HINDERING ME FROM BEING ABLE TO OBTAIN NEW CREDIT. I HAVE CONTACTED EACH BUREAU AABOUT THESE ACCOUNTS NUMEROUS TIMES AND THEY HAVE FAILED TO PROPERLY INVESTIGATE AND REMOVE THIS ACCOUNT. THEY USE DIFFERENT STALL TACTICS TO AVOID MY DISPUTES. I DEMAND THESE ACCOUNTS DELETED FROM MY CREDIT REPORTS IMMEDIATELY. IF THESE BUREAUS EXPERIAN XXXX AND XXXX  CONTINUES TO VIOLATE MY RIGHTS I WILL SEEK LITIGATION DUE TO THE CONTINUED XXXX  THEY HAVE CAUSED ME
Consumer complaint received 2023-03-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am filing a new complaint for the closed complaint regarding the XXXX XXXX, account # XXXX for the amount of {$1800.00}. have disputed this with TransUnion for several wrong reporting issues! I demand this be deleted from my account due to the incorrect handling of my report. I first disputed the account around the date XX/XX/XXXX due to the fact I was not aware of the debt. I NEVER received validation of this debt! I still have never received Validation of this debt! I called XXXX on XX/XX/XXXX to explain to them I had NO KNOWLEDGE of the debt! asked for validation and NEVER gave them a promise to pay I stated I needed VALIDATION of the debt to receive help I gave them my email which is NOT " XXXX ''! This should have been deleted from my report for NO VALIDATION!!! How can I take responsibility of debt I have NO validation for? 
I moved to a different state and I filed a change of address form with the US Postal services XXXX never contacted me by mail or phone! 
Because you are not the original creditor for this debt, but are instead a debt collector, your actions are governed by the Fair Debt Collection Practices Act ( FDCPA ). 
The phone call I made, which I consider to be your initial communication with me, includes information required by section 809 ( a ) ( 1 ) and 809 ( a ) ( 2 ) but omits a " debt validation notice '' as required in section 809 ( a ) ( 3 ), 809 ( a ) ( 4 ), and 809 ( a ) ( 5 ).

Thus, it is my position that you are in violation of section 809 ( a ) of the FDCPA. 
You already stated in response to my complaint that the phone call was your first communication with me, you also did NOT state in the response that I received a validation notice within 5 days of your initial communication with me, also in response to my previous complaint you did not state that a USPS certified mail receipt or similar documentation of delivery confirmation was made other than you sent an email to the wrong email address given to you! 
Because of your failure to include a debt validation notice as required by the FDCPA within 5 days of your initial communication, I was unaware of my rights to submit a debt validation request within 30 days of the receipt. I realize that your non-compliance may not be intentional but, XXXX in response to my previous complaint was NOT able to provide a preponderance of evidence of validation, you may be protected from civil liability under section 813 of the FDCPA. I still to this day have NEVER gotten validation of this debt!
Consumer complaint received 2023-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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.
Consumer complaint received 2021-05-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (FL)

The insta loan payment app makes no sense says payment due to renew on a particular date XX/XX/XXXX is XXXX dollars a week later the same thing says to renew on the XXXX is now XXXX it changes day to day but is worded in a molesting way. I have since been put in leg braces due to my XXXX. I have for days told insta loan that I would relinquish the car to them with no answer. I found this odd since they would start calling for payment a day before my due date and 2 to 3 times a day on the due date.
Consumer complaint received 2021-05-19
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The below withdrawals ( {$1000.00} and {$600.00} ) were not made by me. I have spent over four hours and spoken to six people on the phone with no results other than being issued a new card. I finally got to one very rude employee in the fraud division after waiting over an hour. She put me on hold several times and finally the call just disconnected. I have also sent a postage paid letter to the address in XXXX, TN. I have had no response. 

Balance for XXXX Available Balance Your Available Balance is how much you can spend right now. It may differ from your Actual Balance due to pending transactions. 
{$9.00} Actual Balance {$9.00} Transactions Sort by Date - Newest to Oldest XXXX XXXX XXXX XX/XX/2021 {$0.00} ATM Balance Inquiry Expand XXXX XXXX XXXX XX/XX/2021 details XXXX XXXX XXXX XX/XX/2021 {$0.00} ATM Balance Inquiry Expand XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 $ XXXX ATM Cash Withdrawal Expand XXXX XXXX XXXX XX/XX/2021 details XXXX XXXX XXXX  XX/XX/2021 $ XXXX ATM Cash Withdrawal Expand XXXX XXXX XXXX  XX/XX/2021 details XXXX XXXX XXXX XX/XX/2021 {$0.00} ATM Balance Inquiry Expand XXXX XXXX XXXX XX/XX/2021 details
Consumer complaint received 2021-05-18
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. (CA)

There are 4 inquiries on my credit report showing up on all three bureaus that do not belong to me I have tried solving this with the bureaus as well as the furnishers but they will not help me I need to remove these from my credit account since they do not belong to me I have not authorized or know what these inquiries are for. 

XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXXP - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2021-05-18
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021 a fraudulent charge of XXXX dollar was withdrawn from an atm in XXXX XXXX when i was visiting my family in new jersey. Bank of america has open and then closed and now reopened my claim. They are saying it will take 45 days to get my money back. this is unacceptable.
Consumer complaint received 2021-04-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (SC)

I already filled a complaint for my wife line of credit ( XXXX ). Now I have the same or worse problem. We moved to XXXX from XXXX, 4 years ago. Our lines of credits were closed 5 years ago but the bank was charging us XXXX dollars every year. I tried to pay the bank in different ways but none worked. I used bill pay, transfer and wire transfer from XXXX XXXX XXXXXXXX ( my bank ). Nothing worked. I sent XXXX dollar by bill pay, it took 10 days and XXXX had to sent a check because they refused the money. I transfer a XXXX dollars and 10 days after I received a call from Santander asking me what to do with the money ( another check ) Finally, by my bank suggestion, I did a wire transfer for the amount owed XXXX on XX/XX/21 and 2 weeks after the money was back to my XXXX account without any explanation why. I spoke with few CS, few supervisors and finally with a Manager who said that I was receiving a refund for the fees charged. I received the refund but after few days I was charged again making the checking account becomes negative. I asked everybody to close the checking account because was not use for us, Santander DOES NOT HAVE A BRANCH IN SC. They want us to go to RI to close it ( travel expenses are more than a XXXX dollars ). Because they refused the money and reported us to the credit bureau, we decided to use the money to pay other loans that we have, like credit cards and bank loans.
Consumer complaint received 2023-03-23
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. (CA)

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}
Consumer complaint received 2023-02-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (CA)

I had a closed Victoria Secret credit card. It was paid off, no balance owed. 

Someone unknown to me went into a store purchased items using my social security number on the keypad, with no card or ID present. This also re-opened my closed account. 

Commenity Bank calls me 8-12 times a day. Everyday, at XXXX they call my phone and wake me up from a deep sleep. ( I work late hours ). Throughout the day, they continue to call while Im at work using no caller ID, so I wont know its them. 

I feel completely harassed and over whelmed by the constant calls. Also, they want me to pay the balance on a card I had closed! I have no idea who stole my social security number, but they allowed someone to use it at the register by punching it into the key pad. It is THEIR fault for allowing the card to be re-opened and used, with no ID or card present. They failed to protect me as a consumer. I should of been called from the store to verify, or ID shown. 

I can not take this harassment any longer. Im desperate for help. I have a medically fragile son, who calls from unknown numbers often, so Im forced to answer these no caller ID calls in case it is him. 

8-12 calls a day I believe is harassment.
Consumer complaint received 2023-03-08
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. (TN)

In accordance with the Fair Credit Reporting Act XXXX  acount # XXXX, has violated my rights. 
15 USC 1681 section 602 states that i have a right to privacy 15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for purpose
Consumer complaint received 2023-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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

15 USC 1681 section 602 states that i have a right to privacy 15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for purpose
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Account Name : XXXX XXXX Account Number : XXXX **Inaccuracy of information. The information reported is incorrect. ** XXXX XXXX : XXXX shows {$2500.00}, while Transunion and XXXX show {$3100.00}. Date of Last Activity : Different dates : XX/XX/XXXX ( Transunion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ). Date Opened : Transunion shows XX/XX/XXXX whole XXXX and XXXX show XX/XX/XXXX. Closed date : Only reported for Transunion and XXXX XXXX XXXX : Significant discrepancies in payment history. The inclusion of this erroneous information is causing significant and unjustified harm to my credit history.
Consumer complaint received 2023-02-13
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. (AL)

I have reached out to this company no less than three times. They have failed to provide proper validation, and continue to report the account in error. Account number is reported with symbols. Account status is not in compliance. It has not been 12 months since the original date of service. This is considered a HIPAA violation, as I gave neither party permission to share my medical records. Both of these accounts have the same account number, and are reporting twice. Surprise billing act has also been violated.
Consumer complaint received 2023-02-17
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. (NY)

An account with XXXX XXXX XXXX XXXX was fraudulently opened with my information in XX/XX/2020 for the amount of {$15000.00}. I discovered this account my checking my credit report through Experian. Ive made attempts to resolve this issue with the credit bureaus and haven't gotten any result. This account is negatively affecting my credit.
Consumer complaint received 2021-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

On XX/XX/XXXX at XXXX XXXX  EST, I call the 5/3 's credit card dept. to make a payment. My payment is due on the 8th day of each month. I spoke to an XXXX in CC who refused to accept my payment because I would not agree to a payment on the XX/XX/XXXX, so 5/3 bank can charge me a late charge. The claim that their payment have to be made by XXXX on the due date or it is considered late. I refused to agree to a XXXX payment, and She nor the supervisor XXXX would accept my payment. This is a predatory practice in my opinion. I want my XX/XX/XXXX payment processed without paying a late charge. 
In XX/XX/XXXX when I opened this account they offered {$250.00} to open a checking account with this bank and maintain a specific balance for 60  days. The banking rep was XXXX at XXXX branch in XXXX, NC. After 60  days passed I did not receive the money, when I contacted her and the branch manager about the checking account promotion XXXX. XXXX said the money had to be maintained in a check account for 60  days, not a savings account ( I opened both accounts ). XXXX knew the reason I opened those accounts was because of the {$250.00} promotion and I brought here the mail flyer I received. I told I wanted to take advantage of the promotion and she NEVER reiterated the fact that the money had to be in a checking account. I have complained to the branch Manager later and she Never responded to my complaints. I went to close my accounts with 5/3 and XXXX and pull my money out of this bank and the branch manager claim she could not give me my money, and she would follow up but I never heard from her. 5/3 is the most useless consumer unfriendly bank I have ever dealt with. I will be making my XX/XX/XXXX payment online. I do NOT expect to be charged a late charge for XX/XX/XXXX. I also want to be credited the {$250.00} that was due me when I opened the accounts last XX/XX/XXXX.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone # XXXX XXXX ) XXXX This account is showing incorrect on XXXX, XXXX and Experian . The amounts, date opened, date reported and remarks are all different. this is not consistent, accurate or complete information. This should have been resolved in 2021. With XXXX it is showing paid and closed with a {$0.00} balance. This is a violation. This also shows willful noncompliance with XXXX and Experian.