davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-20
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 (AR)

Despite my many years of excellent account management of several CapitalOne cards, the credit limit on this account was reduced from {$17000.00} to {$6000.00} - for no reason other than mysterious risk management software. CapitalOne now refuses to return the limit to the previous amount. 

I successfully battled a zombie debt collection agency which improperly placed a collection item on my credit report in XX/XX/year>. After I took legal action, that item was eventually removed several months later - but only after my credit scores fell substantially ( XXXX points ). That triggered reduction in credit limits of several personal and business card accounts- THROUGH NO FAULT OF MINE - and the chain reaction continued because scores are based substantially on " % of credit used ''. It becomes a self-fulfilling prophecy, i.e., scores reduced, limits reduced, scores reduced further, etc. WHY DON'T YOU GET IT?!? 

Further, CapitalOne 's explanation letter ( attached ) used a different credit bureau report and score which was more than a month outdated from the date of my request. CapitalOne aggressively markets their " XXXX '' product ( see history attached ) yet they use a different bureau and score for limit determination? This is deceptive, improper, and unethical- and should be illegal. As you can see, my score at the time of the request was significantly higher. Further, the XXXX score I see was XXXX at that same time. CapitalOne is improperly " cherry picking '' bureaus and/or scores to support whatever determination they want- in this case, denial of returning my limit to previous.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2021-04-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed information stating XXXX XXXX XXXX XXXX processed charge off payments in XXXX - XX/XX/XXXX. I sent documentation to XXXX and the other reporting agencies that the total amount of the loan was paid in XXXX. It was a voluntary surrender of the RV, it was sold at auction and I paid the balance of {$39000.00}. XXXX XXXX XXXX XXXX erroneously reported that I had a balance and I fought it through a private consumer credit agency. XXXX XXXX XXXX XXXX closed the balance when realizing their error ; however, reported as charge off in XXXX which has plummeted my credit scores. I did everything right and am still be punished in XXXX after loan was paid off in XXXX. I want my credit history with this account accurately reported to all the agencies.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-05-20
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: TRUIST FINANCIAL CORPORATION (FL)

I reported credit card fraudulent charges on my Truist credit card in XX/XX/XXXX XXXX stopped that card and issued me a new card with a different account number. 
Fraudulent charges from the same company ( XXXX ) kept showing up on the old account which were transferred to my new card. These were new charges. 
I made several attempts to correct this situation and was told these were late posted charges and I wouldnt need to pay. 
In XXXX I noticed another fraudulent charge on my old, inactive card again transferred to my new card, this time with a recent posting date. I inadvertently paid the bill before recognizing this new problem. It happened again in XX/XX/XXXX. Same vendor, same amount same recent posting date. I reported this again for the fourth or fifth time and still have no resolution or explanation of why they are continuing to allow charges to continue being registered to an account closed since XX/XX/XXXX. I have received no satisfaction regarding this issue.
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno (MA)

I have been unable to withdraw funds from my Juno banking service/XXXX XXXX  XXXX XXXX account for the past XXXX weeks. My ATM card has been declined, preventing me from accessing my money ( {$300.00} ) balance. Here is the response I received from the company via email on Wednesday, XX/XX/XXXX. 

Are there any current disruptions in Juno 's banking services? 
Yes, our banking services, including ACH transfers, wire transfers, and card transactions, have been temporarily disrupted in the past few days. We are actively working with our partners to resolve these issues quickly. 
Who is responsible for the disruptions? 
The disruptions are due to issues with our banking services provider, XXXX XXXX XXXX XXXX. Juno is not responsible for the disruptions. We are closely collaborating with XXXX XXXX  XXXX XXXX and our brokerage partner, XXXX XXXX XXXX, to resume regular service operations. 

Please note that I have not heard back from the company. And they have not provided customers with any more updates on their website. It has been XXXX weeks. This is just unacceptable for banking service.
Consumer complaint received 2023-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (CT)

I have been receiving 10-15 spam and verified phone calls per week on my landline from Comenity Bank claiming I owe money, either to XXXX XXXX or other debtors. I have blocked over 20 phone numbers from my landline provider ( XXXX ), reported these harassing calls on the National Do Not Call Registry, repeatedly told these scammers to stop calling, and reported these calls to my state 's AG office. The only debt I have is a mortgage and 2 credit cards that are paid in full monthly. These calls started 3 months ago -- XXXX of 2023 to present ; today I've received 3.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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.
Consumer complaint received 2024-07-01
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. (NY)

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. 

As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed this account from their records. 

I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. 

XXXX XXXX XXXX.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I am writing to file a formal complaint against XXXX for their failure to respond to a dispute letter I mailed on XX/XX/year>. In this letter, I requested an investigation into several inaccurate items listed on my credit report, as well as disputed incorrect personal information. 
Despite the significance of these inaccuracies and the impact they have on my creditworthiness, I have not received any response from XXXX regarding the investigation results. This lack of response is both frustrating and concerning, as it affects my ability to access credit and other financial services. 
XXXX failure to respond within the XXXX timeframe mandated by the Fair Credit Reporting Act ( FCRA ) is a clear violation of federal law. The FCRA requires credit reporting agencies to investigate disputes and provide the results of the investigation to the consumer within 30 days of receiving the dispute. 
I seek assurance that the disputed items on my credit report will be removed and that my personal information will be updated accurately.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION (NC)

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED INACCURATE INFORMATION BEING FURNISHED TO MY CREDIT REPORT AS LATE PAYMENTS, SPECIFICALLY A REHABILIATED LOAN THAT I HAVE CONSECUTIVELY PAID AS AGREED WHICH VIOLATES 15 USC 1681 S-2 ( i ) ( l ) I'VE CONTACTED EACH BUREAU BY PHONE AND CERTIFIED MAIL AND NONE OF THIS INFORMATION HAS BEEN VERIFED BUT STILL REPORTING ACCORDING TO 15 USC 1681A ( 2 ) I, TRANSACTIONS AND EXPERIENCES ARE TO BE EXCLUDED FROM A CONSUMER REPORT, AND FURNISHING A LATE PAYMENTS IS CONSIDERED A TRANSACTION AND EXPERIENCE. FURNISHING THIS IS IN VIOLATION OF MY CONSUMER RIGHTS. I HAVE NOT GIVEN ANY PERMISSION FOR THIS INFORMATION TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681 ACCORDING TO 15 USC 1681I ( 7 ), EACH BUREAU MUST PROVIDE THE FOLLOWING PROTOCOL OF HOW THEY CONCLUDED THIS INFORMATION. WHICH HAS NOT HAPPENED, SO NOTHING HAS BEEN VERIFIED OR VALIDATED. LAST YOUR COMPANY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING THIS FALSE INFORMATION IS IN VIOLATION OF 15 USC 1681E ( B
Consumer complaint received 2024-02-01
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLY FINANCIAL INC. (MA)

I have a credit card with Plus Finance. I had a minimum payment of {$620.00} due by XX/XX/XXXX. In order to stay current, I paid the past due portion of that minimum due, {$450.00}, on XXXX. I received an email confirming the payment. The next day I received an email that the balance of that minimum payment, {$170.00}, was due on that original due date of XX/XX/XXXX. Since I was on an automatic payment plan, I assumed the issue was resolved. On XX/XX/XXXX I received an email from them that they had successfully processed a payment of the original full amount due of {$620.00} on XX/XX/XXXX, rather than the {$170.00} they had previously identified as the remaining balance. They collect the {$450.00} amount twice. 

I called them to have the transaction reversed and the proper {$170.00} payment then processed, but they told me they would have to initiate an investigation that would take a minimum of XXXX days. They told me that if I needed my money back sooner ( which I do ), that I should go to my bank and contest the transaction as unauthorized. Unfortunately, my bank would take about the same amount of time to investigate and would also have to cancel my debit card. 

It can not be okay that a bank can make what is clearly their error, take a consumers money through an unauthorized transaction, and be under no obligation to return the money in a timely manner, especially when the information is so clearcut ; their own emails to me reflect their error. 

Do I have any recourse, or am I at the banks mercy?
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NY)

So, my Chase Sapphire Preferred credit cards payment due date is the XXXX of each month. The statement date is the XXXX if each month. I paid it off in full on XX/XX/XXXX, all {$2900.00} of it. I made sure it the remaining balance was zero. And it stayed as such when I checked the next day which was also a business day to make sure that I was not charged interest. I am aware of the difference between the payment due date and the credit card statement date. I also made sure to not make new purchases on this credit card ending in XXXX so that the pending charges wouldnt get finalized right before the statement date, and I would avoid getting an interest charge. Well, Chase did it anyway. It was sneaky and slimy. This is a terrible and cheap way to earn more money for their business. If I made any charges to the card, it was many days prior to XX/XX/XXXX. The charges should have been finalized and added to my payment amount shown, but it was not. On my Chase app, I did not see ANY pending charges that day. Chase waited until AFTER I paid {$2900.00} on XX/XX/XXXX, to show my latest finalized charges ( from pending which wasnt shown at all ) just before XXXX XXXX statement balance so that they can conveniently charge me a {$33.00} interest fee. Consumers need more transparency ; being able to access our credit card expenditure history on demand is supposed to help us manage our credit card bills easier, but Chases deceptive and slimy sneak charge makes it difficult. I have a hard time trusting banks and credit card companies who do this. We as consumers deserve better. I and other hard working people do not have the time of day to argue with credit card company representatives who dodge each and every question. There needs to be accountability. We deserve to keep our money.
Consumer complaint received 2024-05-19
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I XXXX XXXX had State Of Maryland XXXX send over my back payments to Bank Of America XXXX XXXX. The Bank Of America XXXX XXXX XXXX. Did not send me my money to my address on a debit card, because I was evicted from the address since XX/XX/year>. Bank Of America verified this claim and paid a partial amount that XXXX Of Maryland had given them in a whole under XXXX account number ending in XXXX for Claim XXXX amount XXXX was a part of XXXX other claims that they botch together and not approved release. As they approved release of funds from the same account. They then implied they issued funds on different cards after confirmation with me I never received the first card. They held onto XXXX claim for XXXX account XXXX and XXXX account XXXX XXXX account XXXX They gave me XXXX after they botch XXXX to another account that is from same account ending in XXXX account number with prepaid service. Which they have not paid me XXXX claim number XXXX and also amount for XXXX was also XXXX together and not paid. The Bank Of America has been Filed previously sued like this in the past and was fine for fraud intentions after not finding. Please contact Bank Of America at XXXX My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX is current address. They have sent and I received partial payment from my claim after they separate the same claim number after they approved release of part and not whole amount from account ending in XXXX
Consumer complaint received 2024-08-27
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 recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-05-19
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have tried numerous attemps to communicate with said companies with providing my Negotiable Instruments. Some of these Companies simply keep my Instrument and tell me they can not accept it.

According to UCC 3-603 and UCC 3-311 and Instrument Tendered is sufficient to satify any Obligation of the United States. These Companies stay in Violation of those Rules of the UCC with all Commerce is Governed by.

Any Company or Institution that refuses these Instruments according to the UCC is Pursuant for DIscharge regardless they Honor the Instrument or not. Thats the Law and the Rule of the Land. 

Everything is credit We are in Bankruptcy so you cant expect real monies ( Gold and Silver ) is the only Lawful Money and all Obligations are for the United States and go to the United States Treasury.
Consumer complaint received 2024-09-20
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. (CA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-07-10
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 Credit and Collection Service, Inc. (OR)

I was applying for a mortgage on my home and the lender told me there was a collection on my credit from Capital Credit and Collectionis Services. I had no idea and had never been contacted by them.regarding the alleged debt. They had filed a lawsuit without notifying me and I happened to find it because of my lender pulling my credit report. I was unable to get that loan. I answered their lawsuit complaint and I countersued them in federal court, they have not responed to my answer at all. The fact that they violated FDCPA. Forged my Signature on the paperwork they claim I signed and never contacted me regarding the debt is enough but they also reported it to all three credit bureaus and I would like it removed. I have tried reporting it with the 3 burueus but they have not removed them.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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.
Consumer complaint received 2024-05-13
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 deeply frustrated by the inaccuracies that exist in my credit report, which constitute unfair treatment towards me. I kindly ask that you take action, thoroughly investigate this matter, and make the necessary corrections without delay. If there are no updates, I will be compelled to proceed legally.
Consumer complaint received 2024-05-13
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. (NC)

I feel that someone is using my identity. There is a social security number on my credit file that does not belong to me. My social security number ends in XXXX. I have listed the accounts that does not belong to me below. 

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below OR a Certification from the creditor that the certified accuracy and completeness of the information/account.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of the verifiable proof, you must DELETE the account listed below.

I demand that the following accounts be validated or DELETED immediately.

ACCOUNT ACCOUNT # ___________________ACCOUNT BALANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX. SOCIAL SECURITY NUMBER ENDING IN XXXX THIS IS MY SOCIAL SECURITY NUMBER.