davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (CO)

Comenity Bank has not updated the activity occurring on my XXXXXXXX XXXX credit card since XX/XX/2022. As such the balance information is incorrect. Customer service indicated in XX/XX/2022 that it would be updated in 45 days. 

It still is not updated. My current balance is {$0.00}. I've had to file disputes with all 3 credit reports as well.
Consumer complaint received 2020-06-19
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: Prosper Marketplace, Inc. (MN)

I applied for a personal loan that I was preapproved for XXXX $ at Prosper Funding. I emailed all the documents requests to varify my income and on my last conversations XX/XX/XXXX I was told I needed to fax one last document and my loan would be approved. After I emailed the last document the loan officer changed his mind and decided not to approve the loan after telling me it will be approved. I called on XX/XX/XXXX asking why it was approved and the loan officer said they decided to lower my income and not approve the loan now even after telling me it was gauranteed to be approved. I requested the hard inquiry be removed from by XXXX 's since I was lied to and the rep refused. I was on hold for a long time for a manager so i had to hang up. I emailed customer support at Prosper on XX/XX/XXXX to remove the hard inquiry on my XXXX 's will no response to date.
Consumer complaint received 2020-06-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A. (OH)

Attempted to transfer funds totaling {$350.00} on XXXX from my personal XXXX account ( via PNC checking analysis account ) to an external XXXX account belonging to a friend and was blocked from doing so by an error stating that PNC has made a change which prevents me from being able to link my accounts. I use this XXXX service frequently and need its use restored. 
PNC and XXXX recommended I file a complaint with the CFPB in order to have service restored.
Consumer complaint received 2020-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (KY)

Trying to log on to XXXX to fund my stock market account, and PNC refuses to let my account transfer money every single time. If you try to use a PNC bank account with any app that uses 'XXXX  ', it will not work at all.
Consumer complaint received 2020-09-29
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I sent a letter demanding the procedures used in determining my debt, and validating my debt, and dismissing my claim because they said it was computer generated and it wasn't really me making the claim when it was. I am exhausted from these immature tactics, and I demand that they stop making false claims in order to avoid doing what I asked which was to validate their claims about this debt being real. I feel like they're using stall tactics becausee they are out of compliance. I've sent in letters addressing this and 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 60 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 XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2020 I tired to log online and it told me my account has been locked so I went to the bank to try and pull out money and the teller told me I can not pull out money and to call this number so I called CHASE bank and they told me I received a deposit back in XXXX and they want proof of the deposit. They will be closing my account and holding my funds until I get proof and if I dont get proof they will keep my money. They havent sent me any letters in the mail nor called me they sent me a notification online witch I cant get to because they locked my account the only information Im getting is if I call and the information is different every time I call.
Consumer complaint received 2022-11-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (FL)

I received a statement from " XXXX XXXX XXXX  XXXX '' XXXX XXXX XXXX XXXXXXXX FL XXXX, The complex is owned by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX FL XXXX. Subsequently I have also received a dunning collection notice from Rent Recovery Solutions LLC for the same amount of {$460.00}. I have disputed this amount as invalid and inaccurate. The amount of money they are attempting to charge me has no basis in fact, nor in the actual lease agreement. I am making a formal accusation of elder financial abuse that they can not support. The statement date from XXXX XXXXXXXX XXXX XXXX is dated XXXX.
Consumer complaint received 2020-09-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I sent a letter demanding the procedures used in determining my debt, and validating my debt, and dismissing my claim because they said it was computer generated and it wasn't really me making the claim when it was. I am exhausted from these immature tactics, and I demand that they stop making false claims in order to avoid doing what I asked which was to validate their claims about this debt being real. I feel like they're using stall tactics becausee they are out of compliance. I've sent in letters addressing this and 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 60 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 data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-08-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (DE)

Transworld Systems IncXXXX states I owe {$1700.00} which I have paid to XXXX XXXX and is trying to collect on a paid debt by issuing a collection account on my credit report which is against the law. No proof that I owe any such debt and ask that they be removed from my credit report.
Consumer complaint received 2020-09-29
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP (OH)

My unemployment is paid via the US Bank relicard and they ( US Bank ) have frozen my account and informed me ( after a phone call from me ) after finding out while checking out at the grocery that i have been randomly chosen due to " a massive fraud investigation " to have to prove my identity not by showing up in person but rather faxing them a copy of my State ID, Social Security card, and 2019 W2 forms in which i reluctantly did only for them then tell me it would be 10-15 days to review what i sent in. After 10-11 days later i checked my card and it was still frozen, my unemployment check went in but i could not take anything out so i called again to be informed that what i sent in ( exactly what they asked for ) was not sufficient, no reason on why just not sufficient and on top of that i was told by US Bank relicard operator that there is know way for them to find out because it was there " offline '' fraud leasion team and there is no way of contacting them. So i recent the papers a second time and waited 10 more days to then be informed that " my paycheck stub was from XX/XX/2019 and they couldn't accept anything older than XX/XX/2019 '' in which i replied that i have not sent them any paycheck stubs i sent my W2 's like they asked. after an absurd amount of time on hold i was told to re fax my w2 's and if they were on file or when they received this 3rd fax my acount would be unlocked within 5 more days. 5 days later i called my account is still locked no one can tell me why, just that they have received my paperwork and there is no further instructions so there hands are tied. I beg of you to please help me in this matter for i have no where else to turn, i have not been able to access any of the only {$1400.00} to my name for over a month and i see no resolve in the near future i have already lost my place to live and will soon be on the street i also have kids than have literally gone without meals do to this. what they are doing should be criminal, this is my unemployment check and they have kidnapped it and are holding for a unpayable, ever changing ransom. I have spoken with the unemployment office and they assured me that this was US Banks doing, not theirs. Thank you for your time and consideration
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (WA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2022-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I attempted to challenge XXXX and TransUnion as to factual incorrect information they each reported. I attached factual records. They completely ignored the question and the did not in either investigations attempt to rectify and inaccuracies. I will attach both the dispute responses. And in those previous challenges you will find the other attached records that factually disprove their reporting and how even in their responses willful illegal activity and reporting willful violations to harm my character and reputation. I DID NOT ASK THEM TO PARROT INFORMATION already disputed incorrect information FROM THE CREDITORS. I ASKED EACH TO EXPLAIN WHY THEY WILLFULLY REPORT INACCURATE INFORMATION I PROVED TO BE INACCURATE. So neither agency handled with the investigation properly and neither answered my challenges. Who is holding them accountable?????? 

XXXX is willfully reporting account as charge off monthly Trans union willfully parrot the incorrect information they receive to harm me. 
Along with many other inaccuracies they CAN NOT 100 % verify. 

I did not give either agency my written nor verbal consent to report publicly any of the account I challenged. 

I ask that they follow the law and that they be held accountable for damaging my life and ability to find a place to live. They are violating my privacy and due to their lack of investigation they are doing so willfully. Attacked is the previous CFPB complaint that will still have all the attached questions and challenges. A reinvestigation is supposed to not parrot incorrect information and inaccurate accounts. THATS EXACTLY WHAT THEY DID BY THEIR own ADMISSION in the first response in the challenge through XXXX THEY said they simply asked to original creditor. They admitted to parroting which is against the law and FCRA when conducting a reinvestigation. They are to conduct a reasonable reinvestigation. And use all relevant documents given by the consumer. They did not and therefore willfully broke the law. I want all challenged information. Removed. Attached also are the original credit reports proving the inaccurate information and reporting. Lastly, attached are the original complaint in word document.
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I'd like to remove my fraud alert and freeze from my credit because I'd like to activate utilities in my house but they need to run my credit and they say it's block, Please remove my extended fraud alert. 
I have been trying to contact you by phone but it is so hart to get through. 

Thank you.
Consumer complaint received 2022-08-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2017-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

the bank put a hold on my account in  XXXX   2016  and holding {$890.00} funds in the account since then. they will not give me any valid reason or provide me any assistance. they did not tell me how long they going to hold the funds or when they going to release the funds. I tried calling them several times during la st one year, they always make some excuses and will not let me talk with a supervisor either. after on e year, I am out of my funds with no positive response.
Consumer complaint received 2020-09-29
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: Experian Information Solutions Inc. (TN)

This is the ten time I have contacted your company and you have still failed to delete the disputed accounts your company could not verify.Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 2 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law.I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law
Consumer complaint received 2020-08-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: World Omni Financial Corp. (CO)

SETF payment failed in XXXX. Due to my my husband during on XX/XX/XXXX and a cluster of other bills I have been struggling financially. Then Covid happened. I asked Toyota for relief and the did give me 2 months but apparently there was a XXXX payment that said was XX/XX/XXXX payment that did not go through and failed. I have told them my husband died and I adopted my granddaughter due to her mother XXXX due to a car accident. But they said no and turned me into the credit bureau.i have made good on my payments and trying to rebuild my credit. I am XXXX XXXX  and trying very hard to rebuild my life and credit without bankruptcy. I am asking for help. 
My granddaughter I adopted mother was was in the XXXX XXXX but was hit by a drunk driver in XX/XX/XXXX. She was XXXX  and died in XX/XX/XXXX. After my husband died I adopted my granddaughter. I am not looking for a hand out but a hand up!! Thank you XXXX XXXX
Consumer complaint received 2020-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (LA)

Requested debt validation on XX/XX/2020 via certified mail. The collection agency signed for the letter on XX/XX/2020. 

A complete and timely debt validation has still not been received by me as of today 's date - XX/XX/2020. This is well past 45 days. By federal law the collection agency is supposed to provide debt validation within 30 days ( 45 days during this pandemic ). If they do not then the debt is to be removed from my credit report. 

My credit file has merged with another person of similar name. I have called the credit bureaus, and they admitted the error. They are in the process of removing inaccurate/merged information from my file. XXXX has nearly completed it at this time. I am waiting on the other credit bureaus to complete the process. 

In the meantime, I am having difficulty with this collection agency. The debt they are attempting to collect is not mine. They have not validated it, and will not do anything to rectify the situation. 

I am a small business owner. I employee 9 people full time. I discovered this credit mess when I applied with the SBA for a disaster loan ( in XX/XX/2020 ) to save my business during this pandemic. I was denied for the SBA Loan based on my low credit score.

My score is low due this collection agency and 3 others reporting inaccurate information on my credit report. The SBA will reconsider my loan request if I can get my credit score back up. 

I have followed all protocols under the FCRA to attempt to resolve this situation. The collection agency is not cooperating in any way at all. 

I have documented everything, and am prepared to initiate a lawsuit if necessary. My attorney will be involved should it come to this. THIS COLLECTION AGENCY IS IN CLEAR VIOLATION OF THE FCRA, AND ADDITIONAL STATE AND FEDERAL LAWS. 

I simply wish to resolve this matter so that I can keep my business running, and maintain my employees jobs and livelihood. 

Thank you
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

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 2023-03-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I am writing to you because I recently experienced digital fraud via a XXXX money transfer for the amount of {$3500.00}. I did not authorize this transaction and have contacted my bank in order to dispute it. Unfortunately, the bank denied my dispute and is holding me responsible for it. 
the money transferred from my account on XX/XX/2023 i found out the following day and report it to the bank on XX/XX/2023 claim number Bank of America XXXX XXXX the money transferred to this person XXXX I am hoping that you can help me resolve this issue as soon as possible. I understand that this was an unauthorized transaction and should not be held liable for any damages incurred by it. 

Please let me know if there is any way that you can help me in this situation. I would greatly appreciate your assistance in this matter. 

Thank you for your time and consideration,
Consumer complaint received 2020-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I sent in my XXXX payment ( on time ) of {$890.00} and noticed the payment hadn't posted. I received a notice from BOFA stating that they could not post my payment because it was XXXX cents short. I never received any notice that my payment amount had changed so I sent in my XXXX payment but only included XXXX cents of the XXXX cents owed. I checked my account and noticed that neither the XXXX nor the XXXX payment was posted and was showing a past due amount of XXXX cents. I went into my local BOFA branch and paid the XXXX cents and was told that the payments would be applied. Last week I received a notice stating that my account was past due notice that my account was past due XXXX XXXX dollars. I call customer care on XX/XX/20 and was told that they had changed their payment system and that they were behind on posting payments. Two days later my payments are still not posted and they have now reported this to the credit bureaus. Today is now XX/XX/20 and this problem has still yet to be resolved and another late notice was received.
Consumer complaint received 2022-11-06
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc (NC)

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 U.S.C 1681. 

Hwarfield- Sunbelt account numbersXXXX, XXXX XXXX XXXX This company has been calling and harassing phone me all day and night after being told to stop. As a consumer my rights have been violated. 
12 CFR 1006.14 harassing, oppressive, or abusive conduct 12 CFR 1006.6 ( b ) ( 1 ) Communications in connection with debt collection I asked for Sunbelt to send me the consumer verification of this debt I the consumer haven't received any information about this debt.