davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XX/XX/year> Subject : Dispute Request for Account Deletion Due to Lack of Response to CFPB Debt Validation Request Dear Sir/Madam, I hope this letter finds you well. I am writing to dispute the validity of an account listed on my credit report and to request its deletion based on non-compliance with a debt validation request sent through the Consumer Financial Protection Bureau ( CFPB ). 
On XX/XX/year>, I submitted a debt validation request regarding the account [ XXXX XXXX XXXX account # XXXX ] to XXXX XXXX XXXX through the CFPB. As of the date of this letter, I have not received any response or acknowledgment from XXXX XXXX XXXX regarding this request. 
According to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), consumers have the right to request validation of a debt from a creditor. Furthermore, failure on the part of the creditor to respond to a debt validation request within a reasonable timeframe can result in the debt being considered invalid. 
Given the lack of response from Receivables XXXX XXXX, I am requesting that the account XXXX XXXX XXXX account # XXXX be promptly deleted from my credit report. The failure of Receivables XXXX XXXX to provide validation of the debt within the stipulated timeframes casts doubt on the accuracy and legitimacy of the reported information. 
I have enclosed copies of the following documents for your reference : XXXX. A copy of the debt validation request submitted to [ creditor 's name ] via the CFPB. 
XXXX. Any relevant correspondence or documentation related to this matter. 
I kindly request that you conduct a thorough investigation into this dispute and take appropriate action to remove the disputed account from my credit report. Additionally, I request that you provide me with a written confirmation once the account has been deleted. 
Thank you for your attention to this matter. I look forward to your prompt resolution of this dispute and the subsequent update to my credit report. 
Sincerely, XXXX XXXX Enclosures : XXXX of debt validation request submitted to [ creditor 's name ] via the CFPB Any relevant correspondence or documentation related to this matter.
Consumer complaint received 2021-05-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (LA)

Equifax and XXXX  is still continuing to report errors and inaccurate information on my credit report from the collection agency XXXX XXXX. 
Federal law requires that lenders report the original delinquency date of the account, and that collection agencies carry over that date so that any collection account can be deleted at the same time. A collection account is considered a continuation of the original debt. 
It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. If an agency persists in reporting old debts As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what the furnisher ( such as a lender, collector, or court ) sent to the credit reporting agency as evidence that the information is correct. The information needs to be verifiable, so if its not, it should be removed from my credit report immediately.
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PREFERRED CREDIT INC (UT)

Preferred Credit Inc. Is reporting lates on my credit file for XX/XX/21, XX/XX/21, XX/XX/21 and they are inaccurate. I recently took a look at my credit and noticed these lates reporting. However, when I go this account I set it up to auto draft and have never had an issue. However, my bank statements show that payment has been drafted from you but I'm not sure why late notations are reporting. My payments have always been on time, this is not my error and they must be removed.
Consumer complaint received 2021-05-19
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

On XX/XX/XXXX I applied to and was approved for the Menard 's XXXX card which is serviced by Capital One. Over the next few weeks I made a number of purchases bringing the card to near its limit. On XX/XX/XXXX I paid the card off in full before the due-date. The payment was made within the Capital One app from my Capital One checking account to my Menard 's account which again is serviced by Capital One. The payment left my checking account and was immediately applied to my Menard 's card. My balance has been XXXX since that instant transaction. However, my available credit remains what it was prior the payment. It has been this way for an entire week. When I called customer service I was told that Capital One " holds '' payments for 7-9 days to make sure they clear. Perhaps this makes sense when paying the card from some other financial institution but this was an in-house transaction. In-house transactions should not be subject to these ridiculous and arbitrary holds.
Consumer complaint received 2021-05-19
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. (MO)

Today is XX/XX/2021. I mailed out letters to XXXX, Transunion and XXXX on XX/XX/2021 about inaccurate information and Child Support reporting on my consumer report. I have not received any response and its been over 45 days and thats a Violation. Also, XXXX Transunion, or XXXX also have another Violation because they didnt enter the NOTICE OF DISPUTE for any of the accounts after I disputed and they are suppose to enter the notice within 30 days and its been 45 days.
Consumer complaint received 2024-03-26
Product: Credit reporting 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. (TX)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2021-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

My Capital One credit card was paid off on XX/XX/2021. When I checked my balance, after it was paid, it showed a {$0.00}, balance with {$0.00}, due. 

Today I received an email stating that I owed {$23.00}. When I called Capital One, I was ultimately told that they would not remove the balance because it was " interest. '' When I asked why my balance went from {$0.00}, to {$23.00}, when I had made no charges on the card, they said it was " daily interest '' and it would NOT be removed. 

When a statement is sent out to a customer, and paid in full, it's unfair and not right that additional interest is charged. I know it's only {$23.00}, and it's not the money, it's the principle of the matter. I took my time to call in, and was treated very unfairly. I've been a Capital One customer for a number of years and DO NOT appreciate the way I was treated on the telephone. I want the charges reversed for this alleged " interest. ''
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (VA)

hello this complaint is with pay pal this account was closed months ago because of a dispute over un approved freight charges of {$1500.00} and 25 + orders never delivered from XXXX.

there was a investigation by pay pal as they paid these charges, they only FOUND4 items that were not shipped and returned the charge back to paypal. " THE REPORTED ITEMS WERE A EXAMPLE OF THE BUSINESS '' repeatedly tried to get a return for the amount listed and the undelivered items. It appears that this is a date was falls represented as the investigation. next the company has closed the account and still charging me amounts. this is not right. the account has been turned over to a debt consolidation company. when they will began the proceedings my account will have to be payments to them has to increased for them to work on it. enclosed is a copy of last statement from them. i mean no harm or insult and offered to pay rest off after the refunded money and items were delivered. they did not correct the issue. this all began XX/XX/2019 please and thank you
Consumer complaint received 2021-05-19
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: EQUIFAX, INC. (VA)

Starting 90 days ago I reached out to equifax to advise them that per my consumer reports that they were in violation of many of my federal consumer rights. They continued to respond to me with a response that their information Was verified and accurate. I tried again 60 days Ago and 30 days as above and yet and still They provided me the same reason which you can see for your self per exhibit A -D, Fact the fcra is a federal law that regulates the collection of consumers credit information and access to their credit reports it was passed in 1970 to address fairness, accuracy and privacy of the consumers. 
Fact per proof on exhibit A -D that equifax is in violation of 15 usc 1681b ( a ) ( 2 ). Permissible purpose. I never Provided equifax with written consent to report anything on my consumer report/ file. When there is no consent that is identity theft. 

Fact per proof attachment labeled exhibit A -D that equifax is in violation of 15 usc 1681a ( 2 ) ( i ), as myself the original creditor defined by congress only I can Validate a debt and I do Not validate this debt. 

Fact per attachment exhibit A -D equifax is also in violation of 15 usc 1681a ( 2 ) ( b ) which the law that any authorization or approval of a specific extension of credit directly or indirectly by the issuers of a credit card or similar device. Equifax stated that they verified This item, but that is not true, Im the original Creditor Im which I Unable to extend credit to myself. 
Per fcra civil liability for willful complaniance per 15usc 1681n ( a ) 2 ( I ) federally consumer laws were violated and the due amount to me is {$18000.00}
Consumer complaint received 2017-05-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Columbia Collection Service, Inc. (OR)

I found an account on my husbands credit report for {$100.00} for  XXXX   XXXX  from  Columbia Collections  we had received zero paperwork from them. When I contacted them they informed me it was an old medical debt. This amount was never put on my credit report only my husbands. The account was paid in full on  XXXX / XXXX /  XXXX  . This company then on  XXXX / XXXX /  XXXX   filed the account as outstanding on my credit report after it was paid in full. Now they are refusing to provide me with my accounting of this account that was already paid. They said they do not have to provide me with detailed accounting that shows when they report to credit companies. I have issues with a company that is reporting a debt that has been paid in full after the fact to my credit report, this is against the law and the fair credit reporting act.
Consumer complaint received 2024-03-26
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: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2021-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX XXXX XXXX has open up credit accounts in my name without my permission. I never was asked about the cards that are on my credit that is in collections. I personally didnt sign for any of the cards or paperwork. She has put me in debt and I owe money to this collection agencies.
Consumer complaint received 2023-03-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: REGIONS FINANCIAL CORPORATION (FL)

Account # ending in XXXX I have a negative account from a Regions personal loan that is being reported to credit agencies.

One problem is I have spent hours on the phone with Regions trying to dispute this - and they could not even find this account.

Problem 2 is that I have two personal lines of credit reporting - 1 which is fine, and this one, which shows missed payments, etc. that I have been trying to dispute directly with Regions with no success. 

Problem 3 is that this personal line of credit was tied directly to my bank account. Even if I accidentally 'missed ' a payment- the agreement was it would be automatically deducted from my personal account, so I should not have missed any payments just off this alone.

Problem 4 is I have disputed this with the 3 credit bureaus, and Regions confirmed that the reporting is correct. The attached show what is being reported, and there are a lot of discrepancies. Under the FCPA, confirming inaccurate reporting should result in them removing these items under my protection by this law. 

XXXX shows the account was opening in XXXX XXXX- but the first reporting is on XXXX on XXXX with me being 30 days late, and ends with a line for XX/XX/XXXX ( during COVID as well ), with me being 120 days late. The report says I paid in full, so how are they reporting that as the last line? It states it was paid as agreed, in full, and closed. 

XXXX shows the account as opening in XXXX of XXXX, but nothing was reported until XX/XX/XXXX. It says 73 weeks of reporting, and paid as agreed and closed XXXX shows 7 years, and all the missing lines from the 2 reports above all show as paid with XXXX during that time. The account closed date doesn't match the others as well. 

Regions, to this day, sends me emails saying I am pre-approved for another personal line of credit. That doesn't make much sense if they say I defaulted before. 

I am asking Regions, due to incorrect reporting that has directly affected my credit score, to remove this account from all 3 Bureaus.
Consumer complaint received 2021-05-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (MN)

GM Financial, had not provided me with a billing statement since XXXX XXXX.. For an auto loan. Ive been lied to multiple times by the employees on phone. I been promised billing statements, they said via email, but I dont get one. Ive been battling this corporation for a year.
Consumer complaint received 2021-05-19
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: CarMax, Inc. (GA)

All of these hard inquiries are on my XXXX  report, which I've placed a fraud victim on my report so I'm unsure how these agencies were able to authorized a credit pull XXXX XXXX XXXX  XXXXXX/XX/2019 Hard inquiry ( never authorized ) XXXX XXXX XXXXXX/XX/2019 Hard Inquiry ( never authorized ) Carmax Auto FinancXX/XX/2019 Hard Inquiry ( never authorized ) XXXX XXXXXXXXXX/XX/2019 Hard Inquiry ( never authorized )
Consumer complaint received 2022-11-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (MD)

XXXX XXXX contacted me from Commenity Bank in reference to a Victorias Secret account I had. Ive experienced hardships from Covid to losing my job and eventually not being able to afford childcare. Ive explained that to a representative previously before my phone was damaged. She stated theyve been trying to contact me for months, but how would that be known to me if my phone isnt operating. She began to get irritated, irate, nasty and quite angry when I repeatedly told her what my current situation is and even threatened me by saying the charges are going to add up and Ill be sued so I just need to pay something or borrow more money. I proceeded to ask her if shed give me the {$20.00} she was demanding and she became unhinged, shouting out obscenities and yelling about how she didnt create this debt. It was just awful. I requested to speak to her manager but she rudely said theyre going to tell you what I just didnt why arent you listening and was placed on hold for what seemed like forever and unfortunately lost my connection. No one of that nature needs to be conversing or communicating with customers or consumers at all. I was then contacted several times from an unknown blocked number which I believe was XXXX XXXX.
Consumer complaint received 2021-05-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (PA)

In XX/XX/2020, I applied to Sun Trust to refinance my mortgage of about XXXX. Up front I paid a fee of XXXX for a home appraisal, which they had told me up front was not needed but send the money NOW. I did. We are going now on NINE MONTHS and still they are asking for documents I sent back in XXXX LAST year. They do not answer my phone calls! I am no where near closing. I have to go with a new company and they want to appraised my house again. Mind you it has been appraised two times with value of XXXX. I want that XXXX back! I have to get another appraisal with my new company. They never did anything about moving this along. Thank You.
Consumer complaint received 2021-05-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY (CA)

I submitted a PPP loan 5 times to Wells Fargo. Each time they stated to me that the SBA declined the loan. Each time I called they told me to re-apply. Finally, after the PPP funding ended, I was told there was no longer anything they could do. So I asked them please provide me the loan numbers from the SBA for the loans that I submitted. They are now saying that they did not submit any of the loans to the SBA and they declined the loans themselves. So they decided not to submit my loans. Had they, I would have an SBA loan number and I would be able to fix the issues that they say was a problem which was not a problem. They basically did not care about small loan amounts and did not submit any of my applications to the SBA.
Consumer complaint received 2021-05-19
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. (MD)

These arent not mine. They are fraudulent. Please remove as soon as possible. 
-- -- -EQUIFAX -- -- XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020 XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2020 XXXX XXXX XXXX XXXX : XXXX XXXX, 2020 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020
Consumer complaint received 2021-05-19
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: GVA Holdings, LLC (NC)

I took the loan out in XX/XX/XXXX to help start a 1099 sales position and immediately following, I was rushed to the hospital with barely a XXXX. I was in the hospital for days and was sick for the remainder of the year. They started reaching out during the spring XXXX to collect and I explained everything that happened. I was going to pay as soon as I was able to return to work. It was transferred to XXXX XXXX XXXX and I spoke with a representative about payment and deletion of this negative information in XX/XX/XXXX. It has been months since I paid it off but it dropped my credit score to XXXX from XXXX. I am trying to buy my home back after doing a quick sale when I was getting separated in XXXX. The man who bought it, was aware of my situation and how my husband stopped paying the mortgage out of spite, and he did so with the intention of selling it back to me once I returned to work and became financially independent. I cant get anywhere with XXXX and I paid it off and closed the account but they didnt delete it. All of my payment history in the past 20 months has been on time since recovering from my hospitalization and I am not getting anywhere with them.
Consumer complaint received 2021-05-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

I tried several times to solve a problem with the support in adding my bank account, all attempts were requested by the support that contacted me, and for some unknown reason blocked permanently my account, locking my emails and my bank account, I didn't have any answers as to why they did it being that i've always used the service normally and legally