davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/XXXX XXXX I submitted a complaint to the CFPB about CAPITAL ONE refunding me for my credit balance on an account ending in XXXX. They sent me a check with a coupon attached and I requested a refund of my credit balance of {$2000.00} which I endorsed with my signature as the beneficiary on the back. The certified mail number is # XXXX. As a consumer, I made the request as my RIGHT as a consumer after I extended my credit for an open-end credit plan. I reported a billing error and in return, my account was closed on XX/XX/XXXX. I did not have my billing error resolved and therefore CAPITAL ONE is liable under 15 U.S.Code 1611 ( 1 ), 15 U.S.Code 1666d, and 12 C.F.R. 1026.13 ( d ) ( 1 ).

These are my RIGHTS as a consumer according to the United States Congress for my protection.
Consumer complaint received 2020-12-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (CA)

I had an account with Synchrony bank, i paid for their debt protection plan on the account. I lost my job in early 2019, used the debt protection and the account was paid in full and closed. I recently got a summons that Synchrony bank is now attempting to sue me for the same debt that has already been paid off! None of my other synchrony accounts have ever been late/in collections.
Consumer complaint received 2020-12-17
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: Experian Information Solutions Inc. (NY)

on XX/XX/2020 -there was a fraudulent inquiry made at XXXX XXXX to get credit & it appeared on my XXXX  credit report. i never made this inquiry & contacted XXXX  XXXX immediately & then XXXX. however, it still appeared on my credit report as an inquiry & lowered my credit score for no apparent reason other than fraud. therefore, i would like this inquiry removed! asap!! 

on XXXX XXXX -another inquiry was made again at XXXX XXXX  & this appeared on my experian credit report. 

both fraudulent inquiries appears as one inquiry on my credit report, regardless, i would like the fraudulent inquiry removed. ASAP!!! 

I DID NOT REQUEST THE INQUIRY & SHOULD NOT SUFFER A LOWER CREDIT SCORE AS A RESULT OF FRAUD! PLEASE REMOVE ASAP!!
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I notice these inquiries that weren't authorized on my behalf and spoke to EQUIFAX about the matter in which they wanted me to write an FTC report so I did that as well but still no response and these inquiries still remind on my credit report, I attached the FTC report and did my part to get this resolve, I hope you could help me with this matter with EQUIFAX and come to a resolution. thank you
Consumer complaint received 2023-07-14
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: EQUIFAX, INC. (NE)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items 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 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 2020-12-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/2020 at XXXX XXXX  ( ETZ XXXX I received another debt collection call from a collection agency representing Kohl 's for XXXX XXXX. I have a letter from Kohl 's to the CFPB about this very same debt incurred by XXXX XXXX XXXX not me ) dated XX/XX/2020 with XXXX XXXX represents Kohl 's and states that they will not contact me again, but because the debt is not mine and I do not have the account number or other information about XXXX XXXX XXXX XXXX XXXX like where he is that they can not assign my issue to any account. 

The XXXX  in that response from Kohl 's is that when they first started calling me about this debt it was Kohl 's collection team and I spoke with a nice collection manager. I explained that I have seen/heard from XXXX in over 20 years and because he terrorized me my entire childhood and XXXX  me for one year at XXXX years old ; I won't ever see/hear from him again. I did not know where he was nor did I care to. That Kohl 's Manager was mortified at what she heard and said she was adding notes on the account and I would never be contacted again. 

The collections was handed to a debt collection company and I was contacted. After much ordeal I finally got to a member of the senior management team and told them the same thing. They again promised I would never be contacted. Kolh 's sent the debt to a different collection company and again I was called. Each time I've called Kohl 's leadership team and yelled and explained the same and I've been verbally promised I would not hear from any collectors again. I filed with the CFPB against the collection company. One to two months and yet another different collection company and this time when I filed with the CFPB I added Kohl 's to the filing and I received the letter dates XX/XX/2020. My response to the poorly caring response from Kohl 's and XXXX was that if they contact me again I will SUE the XXXX XXXX XXXX  * out of Kohl 's. 

Today I received another collection call from Kohl 's. I don't know how much XXXX XXXX owes and I don't care ; but I warned Kohl 's and the CFPB that if I continue to get harassed over a debt that isn't mine I will take action. 

CFPB - this is directly breaking several regulations that you have against collection companies and the fact that you refused to push/fine Kohl 's for breaking regulations show you to be complicit in their illegal and fraudulent behaviors. You need to take action and fine companies when they continue to break regulations and if you won't ; then why are you in place. Times are changing - change or get out of the way!
Consumer complaint received 2023-04-17
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. (MD)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-12-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Thia is a loan credit of XXXX as second mortgage, we couldn't make the payments, now my house has equity and the SLS wants to foreclosure my home, I have been make the payment in the first mortgage that is current, the ba, ace is about 390,000,  I have trying to set up a re-payment plan but the said I do not qualify, if not fear that the second wants me foreclosure and the first is a lot more money that I owe them, I want resolve this off course I want to make affordable payments to the second. I'm willing to set up an affordable re-payment plan.
Consumer complaint received 2020-12-17
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: U.S. BANCORP (MN)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, ELAN FINANCIAL add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2023-05-20
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. (TX)

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, XXXXXXXX XXXX XXXX XXXX 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, has violated my rights.

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 2024-03-27
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. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-01-25
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. (MI)

I made a purchase for {$800.00} to Comenity Bank Using my XXXX account. 5 days before the bill was due I received a statement in the mail so I went online but was unable to access my account. 

Access to my credit card account on-line is almost always non-existent. You can't see your transactions, balances, rewards, or anything. It always says " a technical error has occurred ''. When you try to change a password it says there was a technical glitch. This happens over and over and over again. Call Customer service and they just tell you management is aware there is a problem. The real problem is that this reoccurred for 3 days constantly! Nevertheless I finally get a customer service representative on the line 3 days later and explain what's going on and she advises me that I have 2 separate accounts and the one closed was the one I was trying to log into!! To my surprise I explained that I had used the card have a statement and had been unable to make payment. The representative apologized and accepted my payment by phone ( I recorded conversation ). She said as a 1 time courtesy she would waive the late fee and interest due to problems I had accessing the account. I decided to close the account and pay the bill in full right then {$800.00} XX/XX/2022. 

Fast forward 30 days and I receive a statement from Comenity Bank for {$40.00} indicating it was for a late fee. I immediately called them and explained that it was waived by their representative and they told me that they can not waive a late fee on a CLOSED account. I explained that I had closed it myself and again they said it was a valid late fee. They reported this {$40.00} late fee as seriously delinquent 30 days past due on my credit report!! Fast forward 60 days and now I owe {$110.00} for all interest, late fees and this is illegal!! 

Comenity Bank is not a bank. It seems to be a haphazard accounting system that charges {$2.00} interest for simply having the card, then compounds the interest monthly and sends a {$40.00} late fee at regular intervals with a threat that this matter will be turned over to a credit bureau. 

I have received a downgrade from another creditor ( XXXX XXXX ) in writing because they stated adverse information on my credit report.
Consumer complaint received 2023-07-14
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 2020-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1 XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (MD)

In XXXX of XXXX  I noticed that payments that I had previously made to my truist account were not allocated as I intended. The payments were supposed to be toward principal only and were not. I spoke to customer service who stated that they could retroactively reallocate my payments to make them principal only as I intended. This process took about a week for the company to complete. As a result of this process it appeared as though I had late payments even though I did not. There was a lump sum due after all the corrections were made which i paid immediatly. I received a call from truist collections department at least once per day during the week these changes were being made telling me I was delinquent. Every day I explained the situation to a different person in the collections department who ensured me I would stop receiving calls, only to get another call the next day. I was concerned that these alleged late payments were going to be falsely reported to on my credit report which I was reassured that they would not be. In XXXX I started looking for a house to rent due to an upcoming move to a different state in XXXX for work. I checked my credit score to fill out a rental application and noted that my credit score was over XXXX points lower than I expected and had multiple late payments reported by truist. I called customer service at truist who reported to me that they show no late payments in their system. I have filed disputes with truist and the credit bureau and was told my disputes would take 30 days to resolve. This false reporting has severely damaged my credit and has put me in a position where I may not be able to obtain housing as a result. I don't have 30 days to wait for this error to be corrected. Truist has been unable or unwilling to do anything to assist me in getting their error corrected in a timely manner.
Consumer complaint received 2022-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a letter on XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included these in my previous Complaint & I am including them again. 
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 2021-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I was so stress, I file documentation lastXX/XX/2021 regarding to those unknown and inaccurate accounts I found on my credit report it almost 30 days now but I haven't receive any response yet. I demand to DELETE ASAP those accounts or I will file litigation.
Consumer complaint received 2023-01-26
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: EQUIFAX, INC. (MT)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ) & I will be seeking a legal remedy.Please correct the account, or inaccurate information, from my file immediately XXXX XXXXXXXX