davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-28
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. (MI)

Why did you ( CFPB ) close my complaint # XXXX? It has still not been resolved.TransUnion failed to respond within 30 days and did not remove all of the items I disputed according to the Fair Credit Reporting Act ( FCRA ). When TransUnion did not respond, they are required " By LAW '' to delete ALL disputed items. They have not done so, and failure to do so will result in a {$1000.00} fine per undeleted item. I will be pursuing Legal action with XXXXXXXX XXXX  XXXX XXXX  if the correct action is not taken. This is my last attempt to completely fix this clear violation of the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2020-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My business accounts ( 2 ) were closed more than 4 months ago and bank of america does not finish verifying the funds in the account to give me my money, this has caused me to close my business because I have not been able to solve it, I call bank of America all the time and they only say that there is no update and that they have no one to contact, it is a bad practice of the bank to close my account during the coronavirus pandemic, my employees lost their jobs because I had no way to pay salaries and I had to close my business. 
they do not respond and when I ask to speak to a supervisor or the investigator who is managing my account and has the funds blocked, they do not respond.
Consumer complaint received 2020-08-28
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

i called today since i did not receive my XXXX purse ordered beginning of XXXX i did email XXXX no response. it may have been stolen. NEVER received. 
its on my card ending XXXX i will keep contacting merchant but not paying for this.
Consumer complaint received 2020-08-28
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: Experian Information Solutions Inc. (OH)

I opened a XXXX XXXX XXXX XXXX awhile back to build my credit and the card has not been reported to 3 credit bureaus. They promised to report and help build credit and when I called them they said they sent the info to the bureaus but I see nothing reporting this card
Consumer complaint received 2020-08-28
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have a loan with XXXX XXXX, KOHLS/CAPONE, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, KOHLS/CAPONE, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part
Consumer complaint received 2020-08-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NV)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (VA)

I went to Gander to purchase some items. I was offered a discount for applying for the store credit card. I thought it was a good deal, I applied, was approved, got my items and left the store. I started receiving regular calls from Comenity bank. Wasn't aware that they represented this card so I ignored the calls, thinking they were another company trying to sell me something. I got a bill in the mail stating I owed three times the amount of my purchase. I received another call this morning and asked for an explanation. When found out who and what these charges were for I paid in full and cancelled my account. I was charged {$64.00} in fees for a {$40.00} purchase. I don't know but that seems like predatory lending to me.
Consumer complaint received 2020-08-28
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have a loan with CAPITAL ONE BANK USA N, XXXX, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CAPITAL ONE BANK USA N, XXXX, and XXXX XXXX XXXX  with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-28
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: GUARANTEED RATE INC. (NJ)

I was working with a mortgage broker, XXXX XXXX, in XXXX to get a pre approval. I gave him permission to pull my credit to approve me. Yesterday we reached out to speak about next steps on getting a mortgage commitment. We were asking questions about needing a survey and instructions his lender has for the process. He started talking about rates and I said I would need to talk it over with my fiance about our options. I specifically asked him not to run my credit as we were still discussing through options and needed to read paperwork he sent over. I also sent him an email to send me more information on different types of rates. He then ran my credit without my permission and is saying he did not. I looked at my credit report and it says it was pulled by his company Guaranteed rate twice. ( 1 ) XX/XX/XXXX was approved. ( 2 ) XX/XX/XXXX was not approved. I would like to dispute this credit pull and also report him for misrepresenting that he pulled my credit without my permission.
Consumer complaint received 2020-06-29
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: Granite Edvance Corporation (MA)

I was shocked when I reviewed my credit report and found late payment on different month from 3 bureaus. 
XXXX XXXX XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand validation and verification of the alleged debt. Furthermore, it is imperative that you notify credit reporting agency to delete this information from my credit report immediately. The account in question is detailed and Unauthorized Accounts include the following : XXXXXXXX XXXX XXXX XXXX In addition, I am requesting for a copy of the XXXX filed for the charged-off debt. XXXX XXXX XXXX must provide this to me, as the consumer, or you will be neglecting to comply with FEDERAL law. This leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXXXXXX XXXX XXXXXXXX to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. It is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. Failure to comply will result in legal action being pursued, including holding XXXXXXXX XXXX XXXXXXXX accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Consumer complaint received 2020-08-28
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: U.S. BANCORP (CA)

We had recently made the decision to relocate outside of the US and subsequently need to end our leased vehicle contract 15 months early. We accept there is a penalty for doing this and were willing to pay all remaining lease payments and the final balloon payment. 
We approached XXXX to value the vehicle and agreed to sell it at the price quoted, but when they tried to get a closing payment information from US Bank, US Bank used every excuse they could not to provide any information and refused to have a conference call with myself and XXXX to address any issues they may have. 
I was informed of these actions by XXXX and contacted US bank myself. Unfortunately, after 3 attempts and being cut-off by the bank 3 times i was able to get through to the Lease department. I was informed that as there were still more than 12 months remaining on the lease with the account locked and nobody would be able to provide me with any data. I referred to the lease contract where there are no stipulations regarding a minimum 12 month period. To which the response was, an early termination is considered a reposession and we would be in default of contract. I responded referencing the early termination clause for which there is no reference to a 12 month timeframe and advised their automated system provides a closing number to customers, so surely it couldn't be that difficult! 
After some discussion i was advised that i would only be able to purchase the vehicle myself and the title documents would be at least 6 weeks to be processed. When pushed to understand why they would not allow the sale to XXXX i was advised they would only consider it if we were to purchase of another vehicle. 
It was clear this conversation was going nowhere so i requested the number to make a formal complaint, i was given a number that does not exist or be accessed. 
I subsequently called US Bank customer services three times and requested to make a formal complaint and on each occasion the phone line was cutoff by US Bank.
Consumer complaint received 2020-08-28
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8800.00}, {$11000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.
Consumer complaint received 2020-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Block, Inc. (MD)

I submitted a form on XX/XX/2020 outlining my attempts to obtain a {$280.00} for expired Payments to Cash App. I received a call from Cash App. The message said call us concerning your refund. The Cash App person that I spoke with has me input a series of numbers " for verification. '' I stupidly followed his guidance provided him all of my personal information and input a series of numbers. he instructed me to hit pay. I questioned this action and was told it was necessary for " the server '' and to " trust him, no payments '' would be processed and I would receive my refund within 45 min.WHEN ACTUALLY ANOTHER {$900.00}. was processed through mt bank via Cash App to various people that I had no intention or awareness of paying. HOW can they be allowed to lie, steal and cheat.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX, XXXX # XXXX
Consumer complaint received 2020-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CT)

I have a loan with OCWEN LOAN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and OCWEN LOAN with no successful resolution. XX/XX/XXXX and XX/XX/XXXX reporting me late. There was definitely an error on their part. I was never 60 days late (XX/XX/XXXX-XX/XX/XXXX )
Consumer complaint received 2020-06-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I am disputing the debt as reported by PORTFOLIO RECOVERY for {$560.00} from XXXX XXXX XXXX. I do not have any responsibility for the debt theyre trying to collect because this was closed and the amount charged-off three years ago. I have disputed this debt before. This continues to affect my credit score which falls under unfair practices. 

Documents of proof have never been provided to me and the reason is, they do not exist.
Consumer complaint received 2020-08-28
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. (FL)

Hello, please view the attached files. 

I took the time out to reach out to the listed company and they prompt me to reach out to you guys regarding the inaccuracy report of the account listed on my credit report.
Consumer complaint received 2020-06-30
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: EQUIFAX, INC. (MN)

These are fraudulent inquiries and I have tried to reach out to equifax to have them removed. These are the following involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Mortgage Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Opened the business account in XX/XX/year> which reports to my personal credit. Applied for increase in XXXX and letter stated I would need to have account opened for 3 months before increase could be considered. Applied for increase today - XX/XX/year> and letter declining stated : " Your financial obligations reported to us by the credit reporting agency are too high ''. I immediately downloaded my XXXX credit report because I knew this information was incorrect. My income reported is $ XXXX ; Mortgage payment is {$5700.00} ; and all other debts are paid off to include auto and credit cards. My current credit score with XXXX was reported as XXXX. Asked Capital One how did they come up with this determination and what was the debt-to-income standard they use to make their determination since they stated it wasn't credit score. I stated this account is paid in full every month- so why the decline determination.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX FIN XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

A debt validation letter was sent to the company on XX/XX/XXXX. They then responded by updating the payment history information which caused by credit score to drop down XXXX points. The debt was included in a bankruptcy back in XXXX so, no payment history information should have been updated at all.
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (GA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2020-06-30
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. (ID)

XXXX XXXX real estate/public accommodations pulled an inquiry on XX/XX/2020 that I did not authorize XXXX XXXX pulled an inquiry on XX/XX/2020 that I did not authorize XXXX national credit cards/ airlines pulled an inquiry on XX/XX/2020 that I did not authorize. 

XXXX XXXX XXXX XXXX pulled an inquiry on XX/XX/2020 that I did not authorize. 

I did not give any of these companies my written permission to pull a hard inquiry on my credit report and I feel this is wrong.
Consumer complaint received 2020-08-28
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. (NE)

All three of the credit bureaus appear to be sending out very negative information, possibly unsolicited, to credit card companies. This caused my credit limit to be lowered. I have never missed nor been late with a payment and had been making good headway into the debt. The credit limit was lowered on a XXXX XXXX XXXX card causing the utilization to shoot up to 94 %. This is going to negatively affect other cards. I feel this is being done maliciously and with intent to hurt minorities during Covid. I  have never missed nor been late with a payment.
Consumer complaint received 2020-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The FCRA states that all information reported on a credit report must be 100 % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report. These all are the inaccurate information that they are reporting to my credit report. Account is listed as collection / charge-off. It's showing a balance of {$2400.00}, per the FCRA this is a violation, balance should be XXXX Date Opened : Inaccurate Balance : Should be {$0.00} High Credit : Inaccurate Last Reported : Inaccurate Date Last Active : Inaccurate Date of Last Payment : Inaccurate