davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDEN 1 CREDIT UNION, THE (CA)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 
Under 15 USC 1681 section 602 states I have the right to privacy.

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

Under 15 USCS 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.
Consumer complaint received 2024-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One is reporting a settlement that was paid in full negatively on my credit report. It also has already reached the XXXX  year mark and still affecting my credit. This is a violation of my FCRA Consumer Rights and needs to be removed IMMEDIATELY.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX I received your response about my outstanding debt that has been with you for over a year or two. I want to clarify that no police report was ever filed or police involved when my brother used my phone to create a XXXX account. This happened when we were sharing the same phone while I was still in high school. There was no identity theft involved as we both had access to the phone with all my information stored on it. 

I understand you may be looking for a police report or documentation to support this, but I want to emphasize that no such report exists. I wouldn't involve the police in a situation with my brother, who lives with me. This was simply a misunderstanding that I've been trying to explain to you for some time now. I hope this clears up any confusion and I request that the debt be removed from my credit record. '' 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 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

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 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (CT)

Five days ago, I received a call from my TD Bank branch manager, asking about the nature of my business, after approximately XXXX  years of doing business with TD Bank, I explained that I am the XXXX XXXX XXXX XXXX services and I have this account with TD as an expense account and it clearly state expenses on the account name and this account is being used to pay bills and vendors/companies that I do business with and maybe a few ATM withdrawals every month and I operate out of a home office because I dont need a business location or facility to conduct business and its a legal businesses registered with the federal government that pays federal income tax, so yesterday I received a letter from the branch manager, saying that they are shutting down my account on XXXX of XXXX because its a home-based business and thats not allowed with their banking rules and regulations and I think thats not fair for small businesses the struggle with banks to obtain a legal business in the United States
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (AL)

On XX/XX/XXXX, you made a payment of {$420.00}. You paid with a VISA with last XXXX digits XXXX and expiration date XX/XX/XXXX. As of XX/XX/XXXX Affirm is still reporting that I havent paid and reporting the paid balance. I have continuously been submitting disputes with documentation of the balance being paid but Affirm keeps verifying that the information is accurate, despite my provide documentation.
Consumer complaint received 2024-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: AmeriHome Mortgage Company, LLC (PA)

I made 2 payments in XX/XX/year> which were not applied correctly. Rather than apply all excess amounts paid over the monthly amount owed to principal, the company applied the extra payments towards the next month 's mortgage payment. I called 6x and the issue still hasn't been fixed despite being told on each call that it would be rectified shortly. My next payment is due presently and I plan on getting the final payoff amount to pay in XXXX but can't because they won't fix the problem. In short, they continue to improperly apply my extra payments to escrow and interest. This issue has occurred during the entire life of my mortgage.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.
Consumer complaint received 2024-02-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

CAPITAL ONE AUTO FINANCE has not been reporting my loan to the CRA 's for over a Year and closed out the account as a charge off and profit loss. I have not received a 1099C for the profit loss of the loan as I am responsible for the tax liability and will report the issue to the IRS as well. Enclosed is a cease and desist order and an affidavit of truth was sent to them over a year ago and I didn't get the proper response to the affidavit sent in my prior CFPB complaints. They are in default of the affidavit as I never received a proper response as an affidavit can only be rebutted by another affidavit in which I never received that puts Capital One Auto finance in default and everything stated in my prior affidavit stands as truth.
Consumer complaint received 2024-01-31
Product: Credit 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 (FL)

I disputed a charge. They issued a credit. In the mean time the vendor also issued a credit. I only applied the credit the vendor issued. I did not apply the credit the credit card issued to any balance. When they resolved the dispute they came back and insisted I owed them the amount of the credit. I contacted them via phone and attempted to resolve the situation. An hour and 4 or 5 constomer service representitives later and no resolution. I have called a number of times since then and the same pattern, you'll need to talk to this person, on and on. The answer is aways the same, we can't do that you'll have to talk to this person. No one has the authority to resolve. I have even offered the to pay the amount of the credit that I don't believe I owe bvut to no avail. I deal with a number of credit card companies, XXXX XXXX and XXXX XXXX XXXX for example, and when I have a problem issues get resolved quickly and professionally. Dealing with Capital One is like dealing with the XXXX. They seem to be more interested in retribution then resolution. And asking the to restore my credit report is a whole other song and dance about what they can't do. Shameful behavior.
Consumer complaint received 2024-01-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

My wife and I went to First Citizens Bank at XXXX XXXX XXXX XXXX, XXXX, VA XXXX to cash a Due Diligence check that was drawn on that bank. It was made out to my wife and I for $ XXXX. We presented valid IDs, the check was valid and filled in correctly. The XXXX woman behind the counter who is clearly XXXX, refused to cash the check and said they had to contact the account owner. Nowhere is this policy posted, nor was she able to provide the written bank policy or even quote which policy she was referring to. After I became upset, I left and my wife calmly attempted to open an account at which point the incredibly XXXX XXXX woman refused to open an account. I expect this bank and their fraudulent, highly illegal activities to be stopped, fined and frankly shut down for conspiracy to commit fraud.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

My Credit card account with Capital One was closed and charged off by them in XXXX of XXXX. They update the status to seem like it was charged off just this month ( over XXXX  years later ) and do so every month. The statute of limitations for this debt has expired but the company continues to lower my score each month by re reporting the last date of activity to be the prior month in order to reset the clock on an old debt. The last activity in this account was XX/XX/XXXX ( over XXXX  years ago ) and no activity occurred after that aside from them closing the account and charging it off in XXXX of XXXX.
Consumer complaint received 2024-01-30
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (LA)

Ive lost my prepaid card and I didnt know that someone was making transactions on my card so netspend sent me another card once Ive activated the new card I then noticed all of the transactions I contacted them as soon as possible they told me that I would get a provisional credit and to look on line a few hours later I did that and what I saw was my dispute was denied
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$6700.00}
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC (FL)

I have called both Tempoe LLC ( Original Creditor ) and XXXX XXXX XXXX XXXX XXXX XXXX ) regarding a collection account to attempt to settle. When I contacted them, the only information they had was my name and an old address. They could not validate the debt. I believe they are fraudulently trying to collect a debt and damaging my credit. They keep telling me to call each other and I have spent hours reaching out to get this taking care of which they have no information on. I have a call log if requested and have disputed this multiple times through all 3 collection agencies.
Consumer complaint received 2024-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

This is the 2 nd time Im having huge problems with Citizens Bank. My account was taken over last year the bank never changed my account number only debit cards and they finally got in and took over my account over {$4200.00} has been taken! I have been filling out dispute for XXXX XXXX transaction and denied! I am taking care of by home XXXX I can Prove I was at my home with a home XXXX worker paid for by the state of XXXX or in a hospital not ever in XXXX XXXX at an atm machine! XXXX was breached all these charges to them! This is unacceptable I have proof on XX/XX/2023 XXXX XXXX said I deposit {$45.00} on XX/XX/2023. How
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX
Consumer complaint received 2024-01-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I paid the paper on my credit card before the due date. XXXX days later I paid the card off in full. I had a XXXX balance for XXXX days, then received a bill stating I owed {$83.00} in interested. I called the company and spoke to a representative and was told its in the terms and agreements that interest can not be waved. I know that to be untrue so I requested a supervisor. The supervisor said she will see about waving the interest since my account was paid in full and I was a card holder for XXXX  years but said there was not an option to do so. I requested to have the situation escalated and was told she will file a complaint but to not expect a call back or anything. I was given false information from the first person and offered no help or solution from the second person I spoke with. Ive never missed a payment in XXXX  years. Ive only been late because Ive paid the payment after XXXX eastern time on the due date when I live on the XXXX  coast and have never gone by XXXX.
Consumer complaint received 2023-05-09
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 they violated my rights. 
Please delete the following items : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX 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 2023-05-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliver Adjustment Co. (GA)

Oliver Adjustment company has added an unpaid bill to my account that should not be on my credit account. I am 100 % XXXX and all my appointments go through the Veteran Affairs clinic. This was an outsourced appointment through the VA 's " Community Cares '' program.The original creditor is XXXX XXXX of Illinois. They should not have charged me, billed me, nor should they have sold this credit to Oliver Adjustment Company. I would that this item be taken off of my credit as well as serve both companies with penalties for selling my medical information for profit.
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've consistently made sure payments are on time for this account, never letting them go overdue. I'm puzzled by reports of late payment remarks on my accounts. Billing errors should be rectified according to 15 USC 1666b.
Consumer complaint received 2023-05-01
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION (MI)

I was contacted by phone from a company called XXXX, XXXX XXXX  XXXX they informed of trying to attempt to mitigate with me for a payday loan from back in XXXX. I was then told that i had signed a Tolling agreement when I requested this payday loan. The payday lender being Check And Go. I dont even know what a Tolling agreement. 

At this point I told them my only source of income is social security XXXX XXXX  is federally protected from collections. They insisted they were just mitigating and the loan company would have rights to seize my property and income if I refused. 

I have never seen anything in writing.
Consumer complaint received 2023-06-08
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. (PA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$20000.00} XXXX XXXX XXXX XXXX  Balance Owed : {$860.00} XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX Balance Owed XXXX {$22000.00}
Consumer complaint received 2023-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX along with account XXXX XXXXXXXX were opened as a result of identity theft. My information was stolen and used without my permission. I brought this to the attention of CapitalOne, however they are still attempting to collect this debt and illegally reporting it it the credit bureaus. Please see attachment.
Consumer complaint received 2024-01-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRUIST FINANCIAL CORPORATION (FL)

Hello, My name is XXXX XXXX XXXX, Consumer, who currently reside at XXXX XXXX XXXX XXXX XXXX, Fl, XXXX in XXXX XXXX . I am writing this complaint because I did not give any of the parties mentioned written consent to contact XXXX XXXX XXXX, Consumer, or any other person regarding this alleged debt. This is a Notice to place all of the parties mentioned on a Cease and Desist Order.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently received a copy of my XXXX bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report XXXX XXXX XXXXXXXX Balance {$64.00}