davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I set up auto-pay in XXXX for XX/XX/2020 payment. Payment was not applied and I ws notified of a late payment. I thought that mayabe I had an issue with setting up the auot pay and simply went into the online account and set it up for XX/XX/XXXX payament, again. That payment did go through but was supposedly received late. I called and asked why that happened. They stared that it did not show up as an auto payment and I had gone into my bank and paid the amount. Definitely was not true. Even if that ws true, I have never had a problem making a payment on the due date or few days before this entire year. However, the CapitalOne representative stated that this was not their issue and banks are sometimes late getting the payment to them. I havehad this caerd for quite a while and have never had an issue. There is something very fishy about payments are all of a sudden not going through in a timely manner and setting up online auto pay doesn ; t fix the issue. I had set up the auto pay for the XXXX of ech month, the due date. CapialOne rep states that if the monies are not received on that date then it is my fault. I thought, if the XXXX  lands on a holiday or weekend, then the financial institution has to take the payment prior to that date not after, so as not to cause a late payment on the cardholder. CapiitalOne Rep offers to set up autopay plan for me while I am on the phone, which I agreed to..she proceeds to set up the payment for the due date, which was according to her the reason why my payments would be late. She stated that since she was settimg up the autopay that they would guarantee the payments not to be late. What kind of tactic is this where a creditor can pick and choose how they accept and record payments? I was given one of the late payments back but not both. I would like this investigated, because obviously their online auto payment sign up hs issues with correctly informing the customer where or not it was set up properly, I have at least a dozen other competitor accounts and not one of them has had this issue, And prior to me trying to sign up for auto pay, I had not had an issue with CapitalOne 's online payment process either, Please let me know if you can get to the bottom of this issue,
Consumer complaint received 2022-12-29
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. (GA)

The inquiries below do not belong to me and were not authorized by me. Please remove these asap. I have included the identity theft reports as well. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-28
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. (WA)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 Subject : Dispute of Inaccurate Information per 15 USC 6802 & 15 USC 1681-c-2 Dear XXXX XXXX XXXX I hope this letter finds you well. I am writing to formally dispute certain information contained in my consumer report as provided by your company. According to the provisions of 15 USC 6802 and 15 USC 1681-c-2, I have the right to request the accuracy and validity of the information being reported about me. 
I recently obtained a copy of my consumer report from your agency and found some inaccuracies that require your immediate attention. The discrepancies pertain to the following items : XXXX  : Account # {$530.00} This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b I must emphasize the significance of having accurate consumer reports, as they play a vital role in determining various aspects of my financial life, such as loan approvals, interest rates, and job applications. These inaccuracies have the potential to adversely impact my creditworthiness and financial standing, which is why I request your immediate attention to rectify these errors.

Per the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), it is the legal obligation of consumer reporting agencies to conduct a reasonable investigation upon receiving a dispute regarding the accuracy of information in a consumer report. I hereby request that you initiate a thorough investigation into the disputed items mentioned above.

During your investigation, I kindly request that you verify the accuracy of the disputed information with the original creditor or data furnisher.

Promptly update my consumer report with the correct and accurate information. 
Provide me with a written statement of the investigation results and any changes made to my consumer report. 
Please be aware that as of the date of this letter, it has been 65 days since my last letter, and I have not received any response from your agency regarding the investigation. This lack of response is in violation of the FCRA, which requires consumer reporting agencies to respond to disputes within 30 days.

As such, I urge you to expedite the investigation and provide me with the results as soon as possible. Failure to comply with the FCRA 's timeline for investigating disputes may result in legal action. 
I have enclosed copies of relevant documents that support my claim. Additionally, I request that you inform all parties that have received my consumer report within the past [ number of months ] about the corrections made as a result of this investigation. 
I expect your prompt attention to this matter to ensure the accuracy of my consumer report. Your cooperation in this dispute is greatly appreciated, and I trust that you will handle this matter with the utmost professionalism and expediency.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2022-12-29
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-05-12
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: Santander Consumer USA Holdings Inc. (MD)

I did an online application for a  XXXX  vehicle lease in   XXXX   XXXX    . I was not made aware the credit inquiries would constantly be pulled without my consent. I am still receiving credit pulls from the vehicle I drove off the lot with in   XXXX  . I have multiple inquiries that I did not authorize and am unable to secure personal loans even with excellent credit and fico score due to the number of inquiries.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2021-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TCF NATIONAL BANK (IL)

This complaint is for checking account ending in XXXX. I disputed a transaction with TCF Bank a few weeks ago. The transaction was from XX/XX/XXXX XX/XX/XXXX for {$29.00} on XX/XX/2020. I canceled my card and everything. My bank TCF declined my dispute and allowed another transaction to go thru on XX/XX/2020 from the same merchant for XXXX. This is after I canceled my card and told them I didnt authorize the first XXXX transaction. These transactions are not authorized by me. I used to have an account with the merchant, but that account has already been canceled. I really cant believe TCF will go against their customers and continue to allow unauthorized transactions after a dispute and after a canceled debit card. Its like they forced the transaction to go thru my new debit card. If this is not resolved I will take further action.
Consumer complaint received 2023-02-17
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. (TX)

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-02-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (LA)

I've contacted this company. 
I sent out a debt validation letter and they will not respond to me it has been pass 30 days with no response. I'm very upset about this. 
I also this account as opened in 2014, statute of limitations is 7 years before you go reporting inaccurate information on someone's report.
Consumer complaint received 2022-12-29
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. (VA)

I frequently check my credit report and noticed the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has ruined me and held me back for quite some time time. Im demanding CFPB to enforce the correction of these items.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (HI)

My XXXX passed away in XXXX and we discovered that XXXX of his bank accounts about which we didn't know was being cleared out by crooks. We resolved that issue and got the money back. The bank suggested we run a credit report on him to discover any other unknown accounts. I did exactly as the XXXX credit unions require, supplying a death certificate and XXXX of Pennsylvania proof of me being executor. I immediately received a credit report from XXXX and spent many hours over XXXX days on the phone with XXXX who had written me that I did not provide the documents. But I had sent the documents and the third representative I spoke with did find the documents on the system and eventually a report was mailed out to me. Unfortunately, Equifax seems to have also lost the required documents I sent to them as I received a letter asking for an order from the probate court showing me as executor or a letter of testamentary. Since I've already sent these documents, I called on XX/XX/2022 and spoke with XXXX ( XXXX ) who told me you were missing a copy of my driver 's license, which was not requested on your website at XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After I pointed that out, he looked further and said they are missing the court order or letter of testamentary, which I also told him I sent. He said to send it again. I asked if I could speak with someone in that department and he said no. I object to having to send this again after I already sent it once and have now received reports from both of Equifax 's competitors. If I send the document again, I will just receive another letter saying they are missing something else.
Consumer complaint received 2022-11-21
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. (FL)

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2021-01-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (KY)

I have contacted BBT so many times to get overdraft protection removed from my account. During this pandemic Ive lost my job and paid over an XXXX dollars during this pandemic. Im struggling and couldnt afford to pay over XXXX dollars in overdraft. I have called numerous of times and ALL representatives stated it was removed. 

The last representative finally stated that they couldnt do it themselves I had to do it.
Consumer complaint received 2021-10-15
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. (OH)

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-12-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: AMERICAN EXPRESS COMPANY (FL)

I have been a XXXX cardholder with American Express and recently opened a small business credit card. I received a promotional advertisement for XXXX membership rewards points if I open a Business Checking Account. 

The application required me to submit a copy of my drivers license and take a picture, which I completed. I received a message saying it was pended on XX/XX/XXXX American Express responded asking me for tax return transcripts on XX/XX/XXXX. These were submitted on XX/XX/XXXX. 

I called American Express days later and was advised the IRS is slow to respond and I could send existing business account statements, which I did. 

On XX/XX/XXXX, I called again to check the status of the application. They questioned my address changes, I pointed to the last address on the statements provided matching, then they asked for personal account statements. I provided those. 

The company then asked me to complete the ID process again, which there software wouldn't take. I was then pushed into a Mobile Notary program / process, where I waited for XXXX hours to be notified by the mobile notary my ID wasn't good enough. The first available appointment on this system is XX/XX/XXXX. 

I am not sure what the issue is, American Express blames the software or says this is out of their hands, but is actively advertising for business checking accounts with a promotional bonus, but I'm not sure anyone is actually getting the bonus. 

It's the strangest behavior from a company that I have approved credit lines with but is unable to open an account for me to make deposits into.
Consumer complaint received 2023-06-01
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: Experian Information Solutions Inc. (MD)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$22000.00} XXXX XXXX Balance : {$22000.00} XXXX XXXX Balance : {$22000.00}
Consumer complaint received 2022-12-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

This is follow-up to our our previous complaint # XXXX submitted on XX/XX/2021. A hold is still placed on {$6000.00} in our savings account for a suspected fraudent check that was deposited in our account, which we have pro-actively reported to Capital One to protect ourselves and have been following up on this matter since. We understand that the {$6000.00} is necessary to cover the bank loses in the event that the check returns/charged back by the remitting bank as stated on the response we have received from our complaint ( XX/XX/2021 ) and according to the representives we have spoken to. However, it's been XXXX year and XXXX months since the hold was placed. We would like to know if the hold can be removed -- if and when the check does not bounce back -- and how long is the maximum amount of time allowable for banks to put a hold on a certain amount. As expressed in our last complaint, as victims of whatever scam this was, my husband and I have already lost {$6000.00}. We just want to know if it the check has actually returned and if it is still possible to release this hold if the check, in fact clears. So far, we have not received an update from the " investigators '' assigned to this case. I don't see the point of holding the amount indefinitely in our account if the check does not bounce. Please provide us an update on the progress of this " investigation '' and on whether on not the hold has a possibility of being released at a point in time in the future, if the check still hasn't returned. Thanks
Consumer complaint received 2021-01-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I have reached out to the bureaus on XX/XX/2020 and I haven't received any type of indication/notification of the investigation being worked on. I feel like i'm being taken advantage of at this point. According to the FCRA these inaccurate unverifiable items must be deleted immediately. It's been well over 30 days I just want these problems resolved.
Consumer complaint received 2021-01-05
Product: Credit card or prepaid 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 (NY)

A credit was issued to my Credit Card by XXXX for a subscription, I cancelled. To give a little background information, on XX/XX/2020 I tried a trial offer for XXXX XXXX XXXX. However, I cancelled it on the same day. When I contacted XXXX, they said that I was responsible because of a previous trial I accepted in the past. Thus, {$64.00} was charged to my Capital One Account on XX/XX/2020 and I paid that amount. However, on XX/XX/2020, I was charged again for {$64.00}. I wrote an email to XXXX and spoke with Capital One regarding this matter. XXXX responded to my email stating that an credit had been issued to my Capital One account. Capital One told me that I would not be charged by this merchant again in the future. When I saw the amount on my XX/XX/2020 and XX/XX/2020 statements, I called Capital One ; they said that the charge was not fraud and that they never received a credit from XXXX regarding the XX/XX/2020 charge and that I am responsible to pay the amount. On XX/XX/2020, I spoke with a manager at Capital One and he said that I was responsible for the bill and there was nothing that Capital One could do.
Consumer complaint received 2022-11-21
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. (FL)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.