davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-12
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

SEE ATTACHED!! CapitalOne notoriously reporting high balance on cards I pay off every month also the programs I am in I supposed to get credit increases CapitaOne and my situation I had to open three lines of credit to get to the threshHold I need to be in {$3000.00} Capital has extended three lines of credit to me knowing the way the credit world math to monopolize the industry and me I have talked till I am blue in the face with them and my hands are tied not only as you see make plenty of money I retired Vet and think and hart wrenching that they treat a third XXXX or a middle XXXX more respectiviley and grant these individuals more lines of credit then a person AMERICAN that sweated his ass off and put my life on the line for a safer Country WHATS WRONG WITH MY PAYMENTS THERE ON TIME AND BALLANCE PAID EVERY MONTH CONSISTASNTLY May I Please Receive My XXXX  XXXX And Take Them High Carryovers to be incorrect
Consumer complaint received 2024-06-24
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (NC)

Goldman Sachs terminated my card in retaliation. I reported numerous instances where my rights as a person with XXXX were violated. In retaliation, they cancelled my card. For over a year, I have tried to resolve this discrimination, retaliation with this company. I have also reported multiple instances of XXXX XXXX  to the company and they have refused to address the issues. As a reasonable accommodation to the numerous XXXX XXXX XXXX XXXXXXXX I have, I requested a card with printed/raised numbers on the card. They refused this accommodation. I also requested that they contact me at an alternate email address after my email address was compromised. They also refused this accommodation. I also reported numerous disputes and proof regarding credit card purchases and the health impacts. I sent them my medical records to prove the issues. In retaliation, they charged all of the fees/ charges back to my card in retaliation. I am still under doctors care due to the XXXX, stress, and discrimination from Goldman Sachs.
Consumer complaint received 2024-06-12
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 (NC)

I was working with a web site designer or so I thought and we had constant communication and then they charged my account {$1900.00} and they havent contacted me since. I informed capital one and sent them all documents they requested and they gave me a credit. I found about a month and a half later they reinstated the charge so I called capital one again and they told me if I wrote a hand written letter as to what to what happened that will be all the additional paperwork they require and that they would credit the account permanently. Well last night I saw they reinstated the charge again so I called again for the third time. By this time I was extremely upset that they keep lying and telling me the charge wont be reinstated but here we are again. They said I did not answer yet another letter which I did not see asking for the same information I had already submitted. Now they wont give me a credit and they said I have to pay for a service that I never received. Absolutely disgraceful
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SECURITY FINANCE CORP (TN)

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. 
XXXX : # XXXX XXXX  : # XXXX XXXX : XXXX # XXXX, has violated my rights. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2024-06-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (FL)

I had yet another incident with Regions bank last Friday, XXXX. I had until XXXX CT time to deposit money into my account prior to XXXX CT before I incurred an overdraft fee. I deposited money at XXXX which would have been XXXX CT time and I was still charged OD fees. This happens all the time and when I call the XXXX number, the rep is counting military time. This is not the first time this happened, it happens often. Is there a glitch in the system? Why is it offered to make a deposit before XXXX CT, I do, and you charge me a ridiculous amount of fees. I would like someone to actually look into this because it is not right! 
I do not want anyone to read the disclaimer or to tell me turn change my OD protection, that is the obvious. I feel like when I contact Regions, my concern is always deflected, and the disclaimer is read to me. I know my account is in overdraft, I am a XXXX working and have lots going on. It does not mean that the bank can continue to charge me OD fees and no one can explain the fact that I am charged fees continuously. 
Also, I have found that Region 's customer service reps are not helpful, nor are they professional. I am very disappointed, and until this matter is resolved, I am not depositing anymore money. I am tired of it. I am not in a position where I can be charged over {$400.00} in overdraft fees each month.

I will be going to the media about this and share my negative experience with Region 's in my community.

I have only met 2 true professionals working at Region 's, perhaps you should hire more qualified people or people who actually have the skills to talk to other people in a professional manner!
Consumer complaint received 2024-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (GA)

I never received the items that I am being charged for. I disputed the charges with the merchant as well as the courier and Affirm. The shoes were delivered to the wrong address and efforts to remedy this with the merchant met with negative results. Efforts to remedy this with the courier XXXX met with negative results I will not pay for something I did not receive. This information is false, fraudulent and erroneous.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (GA)

I was dating this person for 6 years and without my permission my information was being used. I contacted all parties who was involved and ask them all to provide me with copy of any agreements and contracts. No one has done so and I been fighting none stop with the credit bureaus to do a thoroughly investigation and not accept just words of mouth. This has really Damage me my life and my credit. I need someone help because I'm afraid that nothing going to happen and I'm going to continue to suffer.
Consumer complaint received 2024-06-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2018-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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.

Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (PA)

I am a victim of identity theft and did not open those accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the XXXX XXXX XXXX  and I also have enclosed copies of the XXXX XXXX XXXX Identity Theft Affidavit. I would appreciate it if you deleted these items immediately as it is hindering me from moving to a new home. This issue is frustrating and I just ask that I can be assisted in any way to help my situation.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (FL)

If you look at my previous complaints. I've always stated that my credit will drop 30+ points for no reason once I get about 800 score. Now I have proof! Casual usage and excellent payment history will drop my score XXXX points which is inconceivable. 

My credit score DROPPED XXXX POINTS because my usage went from XXXX to XXXX. 

Respectfully,
Consumer complaint received 2022-12-02
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. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. 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 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 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 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 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 2015-11-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (PR)

I am including documents showing my current credit scores, according to Equifax XXXX credit bureaus credit reports and scores, this is simply unfair, that XXXX XXXX still reports my Gold Card I still have with them as a negative account, and there is also another problem at my job they simply do n't care, and having all the evidence showing this is unfair, as the complaint number shown above here at C.F.P.B. shows, there is no need to write a lot here, just to show how this looks at the credit bureaus today, Wednesday, XX/XX/XXXX, XXXX XXXX. Complaint submitted at XXXX XXXX today, evidence included here. No matter it appears written that consumer disputes the account, that does not change the fact, the credit reports are not showing any evidence about why the dispute still exists, and the negative account is just as negative, and unfair in this case, that the credit report still appears affected, and, I am not able to pay now for the F.I.C.O version of XXXX XXXX, the one used by banks most of the time, next XX/XX/XXXX to XX/XX/XXXX, the investigator at the U.S. Equal Employment Opportunity Commission said they should receive the first response from the local Department of Education, where I am suppose to be working and I am not, complaint at the E.E.O.C. is number XXXX, and there was no response from the local Dept. of Education since last XXXX, when this complaint at the E.E.O.C. was submitted, so is not only XXXX XXXX the problem. XXXX XXXX complaint evidence, added in order to show this is reported at all XXXX main credit bureaus, including XXXX also. XXXX XXXX canceled the pay over time, also called extended payment option the account, because of a negative report shown at Experian according to their representatives over the phone, but the error only appears at the F.I.C.O. version of XXXX XXXX as I detected and it is shown here. But no matter all the evidence included here, showing that XXXX recognized the error in writing, as the included e-mail clearly shows, and it is dated XX/XX/XXXX, and the dates shown at F.I.C.O. XXXX XXXX match with this date, but someone has to take the time to verify all this, this ca n't be done automatically, because of this error, XXXX XXXX suspended the extended option called also pay over time feature of this gold card, no matter it is needed by so many of us as clients and they know it, they have experience with me of more than 24 years already. The student loan in question, that is the center of this error, was transferred to the US Dept. of Education, and it was reported as delinquent by mistake during this process according to XXXX, why this is not recognized, as it clearly shown by XXXX?
Consumer complaint received 2024-06-15
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: Bridgecrest Acceptance Corporation (AR)

According to the IRS and unpaid charge off is income and according to the FRCA income can not be reported on a credit report. I'm requesting a 1099-C ( Cancellation of debt ) from the following charge-off accounts listed below. BRIDGECREST Account number XXXX Social Security Number XXXX, D.O.B. XX/XX/XXXX after checking my most current report the updated information stated the account was purchased by portfolio recovery associates this account can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the 1099-C form.

Arkansas Fair Debt Collection Statute A.C.A. 17-24-101 states a debt collector has 5 years for written contracts the last date of activity or Last Payment Date XX/XX/XXXX. 

Creditor keeps reporting information that is incorrect as the law states it must be deleted. Account don't list any information which is accurate. Account don't even show that account has been disputed by me within 4 days. 


Account info Account name BRIDGECREST Account number XXXX Original creditor - Company sold - Account type Auto Loan Date opened XX/XX/XXXX Open/closed Closed Status Repossession. {$19000.00} written off. {$8900.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$8900.00} Balance updated XX/XX/XXXX Original balance {$20000.00} Monthly payment - Last Payment Date XX/XX/XXXX Past due amount {$8900.00} Terms 72 Months Responsibility Individual Your statement - Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 Charge off R Repossession 30 Past due 30 days 60 Past due 60 days - Data Unavailable Contact info Address XXXX XXXX XXXX XXXX XXXX, AZ XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2017-02-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Earnest Inc. (IL)

Earnest Operations, LLC is using deceptive and unfair lending practice in regards to their student loan refinance product. They are requesting 10 day payoff letters from your institution that your are refinancing your loan with ; however, they are experiencing a XXXX backlog in payoff processing. They are not making any consumers aware of this back log until after they sign final loan documents. This places many consumers at peril or higher interest expense, opens them up the possibility of incurring late fees from their previous lenders, and the possibility of negative credit bureau reporting due to their lack of ability to process payments in a timely manner. I work in the XXXX and have the skills necessary to protect myself from these instances ; however, not all of their customers will have the level of financial sophistication that I have. I have already had to incur higher interest expenses as a result of their actions, and want to protect further consumer from being harmed. I would welcome a phone call to discuss the entire situation in its entirety.
Consumer complaint received 2015-07-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (PR)

I have a few things corrected on my Credit score. Correct Name XXXX XXXX XXXX XXXX not XXXX XXXX and never lived at this address XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. Also remove all not authorized promotional inqueries that are affecting my score from XXXX XXXX, XXXX, XXXX, XXXX etc. 
Also there are a few closed accounts that are more than XXXX years that still show on my report, XXXX, XXXX XXXX and others. 
XXXX CC still shows on my report which should be removed since court determined I was not responsible for the card. 
Another concern is that my score showed a decrease in number. Im concerned why has XXXX lowered my score.
Consumer complaint received 2016-01-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

SINCE 2010 THE COURT REQUEST XXXX XXXX XXXX XXXX TO PAY THE BILLS FOR THE HOUSE AND IM DONT. 
HAVE TO DO ANYTHING WITH THE PAYMENTS HES AFFECTING ME UNPORPUSE. 
That mean 1st. Mortgage ( XXXX XXXX ) and 2nd Mortgage ( XXXX )
Consumer complaint received 2024-06-15
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: CAINE & WEINER COMPANY, INC. (VA)

Ive tried multiple times with no prevail, I waited over 30 days 2 times and the last one they still didnt fix my credit report, I have XXXX accounts on my credit report that are 5 years or older and per XXXX  law its illegal to collect ANY debt over that time period, so it is to be taking off, I also called XXXX and give them notice of the things I was opting out of and per 15 usc 6508, when the company is giving notice they are to fix it and have it reflected on my credit report, they are also reporting bank transactions which is illegal, and I haven't received my 1099cs for any of these accounts in order to do my taxes properly, they are violating my consumer rights and not doing theyre job
Consumer complaint received 2016-12-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Earnest Inc. (CA)

We made a large extra payment to paydown the loan, it was not posted when it should have been ( they acknowledgde issues with their processing ). It was posted ( finally ) 18 days after it should have been. They said they would have credit us the accrued interested related to the late posting by early last week, but have not done so yet.
Consumer complaint received 2024-06-15
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (OK)

I have had a Lowes Synchrony Credit Card almost 1 year. In that year Ive been able to raise my limit up to {$6000.00}. In that year, I have charged it up, paid it off to a XXXX balance and then started charging it again for home projects. During the most recent charging of credit card, I receive a letter that they have lowered my limit to less then {$100.00} more then what my current balance is ( New Limit of {$3700.00} ) reasoning being is recurring balance and balance steadily increases etc etc. These kind of changes affects my overall credit rating showing I have a maxed out card when in reality I did not, the company just lowered the limit to make the credit card now maxed out. The is an unfair and unjust action which has and will cause further complications relating my overall credit rating. I do not know how this could be a legal action taken by the credit company since I have fulfilled my obligations and never been late or had my account derogatory in any way.