davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

In XXXX I paid off a motorcycle with XXXX XXXX a third party agency for Capital 1. The information has yet to reflect on my credit report as closed and paid in full and the title still has a lien. Items that XXXX XXXX said they would take care of with Capital 1. Now over 45 days have passed and I can not connect with anyone for a resolution. This is now preventing me from closing on my new home. Per the information below I am requesting a resolution as balance paid in full on my credit report and the title cleared just as XXXX  promonised. Capital 1 XXXX XXXX Department : Please note that my is name is XXXX XXXX and this is in reference to account number # XXXX for my XXXXXXXX XXXX XXXX XXXX # XXXX  There have been a variety of issues with this account beginning with appropriate information on auto drafts not being deduction never been mailed, lack of notification of past due balance, and there was never an attempt to require the motorcycle. It only became apparent to me when a credit report was run two years ago for a home loan. When I became aware I began making payments to XXXX XXXX and XXXX XXXX XXXX XXXX, under account # XXXX. Since XXXX of XXXX I attempted to get into contact with someone at XXXX XXXX to pay off the balance on this account. It took over three months to get in touch with someone there after I was given the run around day after day. On XXXX XXXX per the arrangement made with XXXX XXXX I paid off the vehicle for {$1700.00}. I was provided the attached letter as proof of payment. I was also advised that Capital 1 would be notified, the title would be cleared, and my credit report would update to show a zero balance paid in full. On XXXX/XXXX/XXXX I attempted to obtain an updated title as I am selling the motorcycle. I was advised that there was still a lien on it from Capital 1. On XXXX/XXXX/XXXX I was notified by my mortgage specialist that they are unable to move forward with the closing on my home as my credit report still reflects a past due balance owed in collections to Capital 1. I am very frustrated as this entire situation has been a nightmare. I have attempted to get into contact with XXXX XXXX and have been repeatedly sent voicemails. A receptionist there advised me it was not their issue that it was now that of Capital 1. This is holding up my cash on hand for my home as well as my closing and it is unacceptable. I expect this issue to be escalated and resolved ; the title should be cleared and the item should reflect paid in full on my credit report ASAP.
Consumer complaint received 2017-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MA)

Please see complaint XXXX and the company response. They have not awarded promised airline miles from last XXXX. The letter they wrote after the first complaint said it would be resolved by today. It 's not. They have not given me the miles I earned.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XXXX 2017, I filed for Chapter XXXX Bankruptcy. My bk was discharged. Upon checking my credit report, I discovered that XXXX is reporting information on my report that is a violation of the FCRA and Bankruptcy Code by listing accounts, on the summary page, that I included in my chapter XXXX bk as " NEGATIVE '' or " LATE PAYMENTS. '' The creditor is supposed to discharge the accounts but they are not supposed to tell the credit bureau that it is a discharged account. Discharged accounts can NOT be late-ever. 

Section 607 of the FCRA requires credit bureaus " to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' It is not reasonable to label an account that has been discharged in a bankruptcy as " bad debt of late '' if the account was open and not discharged off prior to consumer filing bankruptcy. Such designation is inaccurate, misleading because it would indicate that the creditor had written off the account at the time of bankruptcy when it had not in fact done so. 

NEGATIVE REPORTING ON A DISCHARGED DEBT IS A VIOLATION OF THE PERMANENT INJUNCTION OF MY DISCHARGE. They have interfered with me being approved for credit. They have interfered with me being approved for credit. I feel that I am being punished by the credit bureau and creditor for a difficult decision what was unavoidable.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Bread Financial Holdings, Inc. (CA)

In XXXX XXXX, I filed for Chapter XXXX Bankruptcy. My bk was XXXX. Upon checking my credit report, I discovered that Experian is reporting information on my report that is a violation of the FCRA and Bankruptcy Code by listing XXXX accounts, on the summary page of my credit report, that I included in my chapter XXXX bk as " NEGATIVE '' or " LATE PAYMENTS. '' The creditor is supposed to discharge the accounts but they are not supposed to tell the credit bureau that it is a XXXX account. XXXX accounts can NOT be late-ever. 

Section XXXX of the FCRA requires credit bureaus " to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' It is not reasonable to label an account that has been XXXX in a bankruptcy as " bad debt of late '' if the account was open and not XXXX off prior to consumer filing bankruptcy. Such designation is inaccurate, misleading because it would indicate that the creditor had written off the account at the time of bankruptcy when it had not in fact done so. 

NEGATIVE REPORTING ON A XXXX DEBT IS A VIOLATION OF THE PERMANENT INJUNCTION OF MY DISCHARGE. They have interfered with me being approved for credit. They have interfered with me being approved for credit. I feel that I am being punished by the credit bureau and creditor for a difficult decision what was unavoidable. 


Under the NOTES section of my credit report, XXXX added derogatory notations about my address for which I never gave them permission to do add. They have damaged my credit report with reporting XXXX accounts as LATE PAYMENT AND they furthered added insult to injury by reporting my address, that I have used for over 7 years, as a " high risk '' address. '' I do not understand WHY this company feels so free to report ANYTHING on my account without fear of repercussions. These blatant VIOLATIONS MUST STOP.
Consumer complaint received 2017-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I applied ( straight applied ) for the capital one card. Was approved after they asked me to send my information twice. Sent the card. I tried to activate it. Would n't let me. They said it was fraudulently opened and a code was used but I did n't use XXXX. XXXX was supposed to call me back and did n't. I filed a complaint with the XXXX and XXXX called me and got information from me. I told her if they were not going to keep it open then can they remove the inquiry ( just out of good customer service ) and remove the account completely because it was never opened even though it is showing as opened now. It is showing as an account and is messing up my account age on my credit report, which it brought it down. I understand the was some kind of glitch which is not my fault. They verified who I was multiple times on the phone even after I received my card. I do t even want the account anymore. I just want the to remove the account off of my credit report completely and remove the inquiry ( just for the long drawn problem that I had in dealing with this. ) XXXX never called me a week later. I ended up finally receiving a letter XXXX weeks later and I called her and XXXX said there 's nothing she can do. But when I initially spoke with her she said if they closed it, she would remove the inquiry and account from credit report. 

I 've already closed my checking account with them as well due to this. I refuse to be a consumer with them now and in the future.
Consumer complaint received 2017-09-13
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

Upon request for validation and dispute of a debt with XXXX I RECEIVED THE ATTACHED letter stating the account was sold. The dent was not validated yet the trade line continues to appear on my credit report.
Consumer complaint received 2017-09-13
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. (AZ)

All of my personal data was potentially disclosed without my control or consent. I have no control over the information given to Experian and they failed to hold my information securely. I now have a burden to watch my information and respond to potential identity theft for the rest of my life.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX left sensitive credit data of over 110 million consumers open to unauthorized access. While pending civil litigation and possible criminal prosecution will determine the extent of XXXX 'XXXX negligence in this incident, in the near-term millions of Americans, myself included, remain at a heightened threat of identity theft now that our data has been compromised.
Consumer complaint received 2017-09-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XXXX XXXX, XXXX Citizens Bank received my money via an ACH debit transaction from XXXX XXXX Bank. Citizens Bank did not disclose to me that they received my money, There are no electronic transactions, emails nor phone calls from them to me at all to show that the money even exists, even to this date ( XXXX ) I then called XXXX XXXX to confirm that the transaction did in fact take placeXXXX XXXX gave me a trace number and the date of the transfer. and also told me that the transaction was in fact accepted and not rejected. I then called Citizens bank again on XXXX XXXX, XXXX, and several other times i was told : 1 ) on ( 3 ) different calls that there was a paper check issued for the balance after the debt to citizens was resolved and i should recieve it in 2 to 3 business days 2 ) on 2 different calls i was told there was an electronic transfer that was going to take place with in 2 to 5 days and it has now be 7 the last call ( XXXX XXXX, XXXX ) made to Citizens bank complaint department regarding the entire situation from start to finish only to be rudely dismissed as though my complaint and money do not matter. Citizens Bank has still not given me my funds, as a result of this ridiculous hold, i have now lost my vehicle in XXXX. Had my Car insurance cancelled for non payment. My Credit card which was opened to build credit is now late for the 1st time in 18 months of perfect payment history. and my landlord because i was unable to pay money promised to him for back rent owed is now threatening to evict me. Citizens Bank is aware of all of these details and promised to expedite the process and has not given me my money.
Consumer complaint received 2017-09-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I tried speaking with a representative from TransUnion to get some of my credit inquiries removed because I have over XXXX from a car dealer trying to finance me for a vehicle the person was rude to me and said I had to write out all XXXX financial institutions and said I should n't have a problem doing so even though when I was at the dealership I has no idea they ran my credit over XXXX times. Even though I have tried myself to remove them to no avail I can not get them to go away and it is drastically affect 's my credit everything else is tip top shape besides those inquires.
Consumer complaint received 2017-09-13
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)

I believe this is the 4th complaint I 've filed with CFPB regarding this matter. My credit reports are still showing either fraud alerts, XXXX XXXX alerts, or both. I have gone through extensive measures to get these removed from my credit reports, included being bounced around from department-to-department, mailing in proof of my identification, letters, and CFPB complaints. 

For the nth time, I am not nor have I ever been on XXXX XXXX and I do not want any type of fraud monitoring or alerts on my credit reports. These have stopped me from opening new accounts. 

Please remove them.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I believe this is the 4th complaint I 've filed with CFPB regarding this matter. My credit reports are still showing either fraud alerts, XXXX XXXX XXXX, or both. I have gone through extensive measures to get these removed from my credit reports, included being bounced around from department-to-department, mailing in proof of my identification, letters, and CFPB complaints. 

For the nth time, I am not nor have I ever been on XXXX XXXX and I do not want any type of fraud monitoring or alerts on my credit reports. These have stopped me from opening new accounts. 

Please remove them.
Consumer complaint received 2017-08-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX I checked my balance from my Chase App and it showed I had just over {$50.00} remaining in my account. This was perfect for what I needed to get done, so I went to the grocery store, gas station and verified I 'd have enough. So when I check my account balance Sunday XX/XX/XXXX you can imagine my shock that I have 3 NSF fees and another on the way for a total of {$130.00} and this is all for about {$27.00} worth of charges. To say this is excessive is putting it mildly. The company also has reps in customer service that do not care or want to help, they are rude and robotic following a script and clearly not allowed to hear any " excuse '' for overdraft. The bottom line is that I look at my balance and if there is anything pending from debit I would think it would reflect that, in this day and age how can it not? I don not feel I should have to pay the bank {$130.00} for {$27.00}!
Consumer complaint received 2017-08-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (VA)

XXXX XXXX XXXX. Is continuing to report. Debt on my credit report and has failed to send a statement validation of the debt, the charges that were and to whom. I have sent many time requesting this information including a previous complaint through CFPB and they claim to contact the original creditor and obtain validation that the debt. I have contacted the original creditor and they do have any information on the account XXXX XXXX aka Care Credit and referred me to the debt buyer. I need this information so for reasons the orginal creditor has taken payment history off my credit report recently and should be removed because it inaccurate and the collection agency should be removed because they have no information to provide me. For example, I 'd like to know the last time the card was used and the amount and how many payments were made, and why after the last payment was made did the creditor charge off the account after I explained my checking account was compromised by check fraud and I provided a new account # for payments to be withdrawn auto pay. I am asking for both companies to send documents to verify the amount and payments made, because there was a refund issued to the account and was not applied and over {$320.00} dollars of the {$770.00} balance is interst fees illegally added after the account was charged off. So with the refund by the animal hospital and the interest charges and the last payment I made and the account being charged off the following month both companies are in violation of my rights. I want then removed from my report as well as I want to seek monetary damages because of violating my rights under the Credit Transaction act as well as FCRA as the collection agency never sent a document allowing me 30 days to dispute the debt back I 'm XX/XX/XXXX, and XX/XX/XXXX in a dispute I received a handwritten statement and illegible piece Paper that only showed an amount, not a statement from " care credit " Recently Care Credit erased the date and amount the of last a payment and deleted the account late for 120 days in XX/XX/XXXX and 120 day in XX/XX/XXXX which I explained to XXXX this did not make sense.
Consumer complaint received 2017-08-12
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. (SC)

Experian is reporting a account with XXXX XXXX The account is paid per the credit report but this account continues to report with a bad payment history. This is not my account and under the fair debt collection practices, it 's illegal to report inaccurate debt. I ask for validation of this debt, signed contract, with my signature. I would be so grateful if this would be removed.
Consumer complaint received 2017-08-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

An account on my equifax report has been disputed twice once last year and again in XXXX of this year and it is for XXXX XXXX XXXX. The company either never responded to the dispute of equifax did not reflect any changes to the account. It still shows n/a for amount and date of last payment but shows I was over 90 days late. If the creditor did not reply within 30 days to validate the debt from the credit bureau then it should have been removed a long time ago. I would like for this item to be removed from my credit report immediately.
Consumer complaint received 2017-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (WA)

I have filed complaints against and about sw credit system LP, they have been contacting me to collect a debt from the primary XXXX they agreed to removed an account that I believe to be fraud and not Mines, it was removed from credit report An now has popped back up, this account is not mines it is the act of fraudulent activity, I have asked for debt validation numerous times An have only received bills with my name on it no signature of contract or service, I know that they are required to provide, I know this is identity theft an I have followed every step they have refused to release the proper documents because there are none I have never had XXXX account or sign any documents to pay sw credit system to collect a debt! All contact needs to stop an I need this fraudulent activity deleted from my credit report, they have sent out many different debt collection letter that have had different balance amounts
Consumer complaint received 2017-03-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (IL)

I fell behind on my mortgage in XXXX due to a temporary loss of income. I started the loan modification process with my lender in XXXX and to date, I am in the process of requesting another loan modification due to previous denials. In this process, I 've always been informed by my personal account specialist named XXXX that as long as the loan modification is under review it would prevent or place a hold on any foreclosure proceedings. I submitted my monthly loan mod in late XXXX, again being advised that the review would avoid foreclosure, and lo and behold, I was served with a foreclosure summons in on XXXX while my loan mod was in review. I 've continued to file loan mods since the foreclosure summons for the months of XXXX and XXXX. My most recent denial was on XXXX, in which I still have yet to receive a denial letter, but last week I received a letter from loss mitigation indicating that an Forbearance mod might be available and as of yesterday, I now have a XXXX sale date on my home. My intention in to stay in my home where I 've built a life in with my husband and family. I 've missed the foreclosure case status date on XXXX due to my loan mod app still being in review, and again the foreclosure process would cease while my loan mod is in review. XXXX from Ditech contact me on XXXX to update me on the loan mod status, in which it was still in review and no decision was made as of yet, which is why I did n't attend the status call, only now to find out that the loan mod was denied after I spoke with the agent. I feel that Ditech has dropped the ball on many accounts during this stressful period and is now leaving me resulting to staying persistent with them hoping to inundate them with modification applications and possibly hiring an attorney to fight this battle.