davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I called Capital One to try to get a settlement on my two credit card accounts, the representative kept saying I didn't qualify for any of their programs but Capital One advertise hardships from XXXX. I explained to the representative not only was I sick but my husband was sick and also had a XXXX XXXX that caused him to have XXXX XXXX  XXXX and I had to be off work to help assist him. Then I ended up having my XXXX removed months later. I then asked her to remove the late payments and waive the late fees, she agreed to remove one late fee and informed me that was all she could do. I stated, '' Capital One is false advertising about the COVID help because you pretty much told me I didn't qualify for your programs when I can prove XXXX was a hindrance. My other credit card companies helped me out without any issues.
Consumer complaint received 2019-09-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (TN)

ONE THING THAT I NOTICE THAT THE BANKRUPTCY COURTS DO NOT REPORT TO ANY CREDIT BUREAUS AND THE STSUE DIDNT NOT HAVE THE CITY AND STATE SPELLED OUT THE CORRECT WAY. IT SHOULD SAY U.S. BANKRUPTCY COURT OF XXXXXXXX TN AND ITS SHOWING DIFFERENT IN ALL 3 BUREAUS
Consumer complaint received 2022-05-27
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. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2021-12-20
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 just recently updated my report and I noticed there are several items that reappeared on my report after being deleted several months back. How is this possible? This has caused me to stress out because I was in the process of home buying and now I have to push back and find another place until this is corrected. Im sure my information was impacted by XXXX data breach so this had to be an error but this error occurred at the wrong time. Ive reached out to the bureaus but obviously they keep givng me the run around. I need this problem solved immediately.
Consumer complaint received 2021-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION (TN)

TO WHOM IT MAY CONCERN I WAS JUST A CO-APPLICANT ON THIS LOAN. THIS LOAN IS SHOWING A LATE PAYMENT AND IT'S DAMAGING MY SCORES. I SPOKE WITH SOMEONE AT THIS INSTITUTION AND THEY AGREED TO REMOVE THE LATE MARK SINCE THE ACCOUNT WAS NEVER LATE. I WOULD LIKE TO HAVE THIS ACCOUNT 100 % REMOVED FROM MY CREDIT FILE BECAUSE I AM NO LONGER RESPONSIBLE FOR THIS ACCOUT. THIS ACCOUNT HAS BEEN PAID AND FULL.
Consumer complaint received 2024-02-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A. (MI)

I received a mortgage statement with an escrow shortage of {$560.00} My bill will be increased if not paid. I want to pay the shortage in full. PNC bank will allow me to pay the shortage however, they will not allow me to pay the shortage for taxes. I do not want a mortgage increase of any kind. I know they would like to increase my monthly bill in order to charge more interest. My bill has already increased in the past years. I have called PNC bank on XXXX I spoke so someone by the name XXXX and suddenly she could not hear me as I was stating my issue. I was then disconnected. I scheduled an appointment to visit a branch. On XXXX I went in to speak to someone in person. XXXX XXXX tried to help however, the lady on the phone would not allow me to pay the additional {$370.00} in full. She said it must be spread throughout the 12 months. That is just giving them more interest money every month. Refinancing is a ripoff if afterwards they continue to find ways to increase your mortgage especially if you request to pay any shortages in full. 
XXXX XXXX and I both asked the PNC mortgage representative why I am not allowed to pay the {$930.00} in full. MY answer is so they can charge more interest. Because they have no reason.
Consumer complaint received 2022-05-27
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. (LA)

15 U.S.C 1681Section 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 an account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEPT ED
Consumer complaint received 2022-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

15 U.S.C 1681Section 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 an account without my written instructions XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX US DEPT ED
Consumer complaint received 2021-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (WA)

We made our regular mortgage payment every month in the amount of {$650.00}. The bank demanded additional {$2600.00} in XXXX and we made that payment due to concern that the bank will keep incorrectly reporting the mortgage in default. The bank finally admitted that they caused the mistake, but did nothing to correct the problem. We need our {$2600.00} refunded back to us immediately.
Consumer complaint received 2022-05-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

Account resolution services has had duplicate accounts on my credit report since XXXX for medical bills that XXXX should have paid for. The duplicate amounts are : {$1000.00}, {$1000.00}, {$760.00}, and {$760.00} again. Ive disputed these and they still havent been removed. XXXX of the accounts have the same account number and just one has a different account number. XXXX accounts were opened on XX/XX/2020 and XXXX account was opened on XX/XX/2020 for the exact same amount. I asked how could I have for bills in collections with the same amounts and havent gotten an answer yet. I had one single procedure done at a hospital and Im getting billed XXXX  times and its on my credit report. How is this even legal? I would like someone to please look into this for me or please explain why these duplicate bills are on my credit report. I told them this had to be some kind of medical fraud for those dates and amounts to all be IDENTICAL and obviously they do not care about ruining someones credit.
Consumer complaint received 2022-05-27
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. (TX)

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX CARD Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX record until XXXX XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX record XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$450.00} written off. 
XXXX XXXX XXXX negative Date opened XX/XX/XXXX XXXX {$12000.00} XXXX Account charged off. {$19000.00} written off. {$12000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX negative Date opened XX/XX/XXXX XXXX {$0.00} Status Closed. {$23000.00} written off. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX type XXXX complex XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Resident XXXX Single XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident type Single XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Resident type Single XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Resident type Single family XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident XXXX XXXX family XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single XXXX
Consumer complaint received 2024-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Neon Newco Corporation (TX)

Date XX/XX/year> Transfer Amount {$490.00} Service Fee {$7.00} Card Ending in [ redacted ] Debited Card Ending in [ redacted ] Credited Confirmation No. [ Redacted ] I have redacted the information I have been advised to not post in here, per the verbiage on this page. 

Issue : Began going through the steps to initiate a transfer to my external account from my XXXX Checking. 
I noticed a {$7.00} fee being assessed, so I pressed cancel, not consenting to the transaction. I then received an error message, and at the same time, an email indicating the transaction went through and I was assessed the fee. 


Action taken by myself : Contacted XXXX Debit, using the phone number listed on the email of XXXX. Spoke to a dispute agent and an escalation agent within the disputes area to identify if I should dispute the transaction or just have the fee refunded, Was advised I can only dispute the transaction, but it may take 20 business days, IF they fix the error and have the funds pulled back. This would cause me to not have use of the funds for that entire time since they may be taken back. I plan on purchasing the vehicle and those funds are going towards the down payment, so I can't wait. 

I was transferred to a customer service agent and was advised initially they would not be refunding the fee. 

In all three calls, I mentioned this is a UDAAP violation. No representative was willing to reverse the charge due to bank error. All agents alleged I was at fault, even though I explained the issue clearly and offered evidence. At ni time did anyone want the evidence I offered or showed any desire to initiate an investigation to ensure this issue doesn't happen to others. The last agent finally reversed it, but kept saying it was my fault and it was reversed as a courtesy and the reversal has been processed. I took argument at the fact a courtesy refund is being used for a bank error. What if I make a mistake in the future? If I ask for a courtesy, I will be denied, creating a UDAAP issue wherein I'm not receiving the same benefit as others. 

I believe this agent to be lying since she then stated it was changed to a bank error, all within a second. 

None of the agents appeared to care about the UDAAP allegation or the allegation of a bank error. I was unable to avoid this fee as a reasonable consumer would, following normal steps, due to bank error. Please note the time of the transaction in your system, the time on the email and the time on my phone.
Consumer complaint received 2022-05-27
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. (TX)

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX CARD Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX record XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$450.00} written off. 
XXXX XXXX XXXX negative Date opened XX/XX/XXXX XXXX {$12000.00} XXXX Account charged off. {$19000.00} written off. {$12000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX negative Date opened XX/XX/XXXX XXXX {$0.00} Status Closed. {$23000.00} written off. 
XXXX  XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX type XXXX complex XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident XXXX Single XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Single XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Single family XXXX LOT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident XXXX XXXX family XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Single XXXX
Consumer complaint received 2021-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: NAVY FEDERAL CREDIT UNION (CA)

Ive contacted Navy Federal numerous of times and informed them that I do not give them permission to give my information to any credit bureau. I also reported that they are not allowed to report any negative balances, remarks etc on my report with any bureau. This is my right as a consumer, and I demand they stop immediately. My information is not to be shared with any third party.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-12-20
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. (CA)

This is XXXX XXXX who is submitting this CFPB complaint myself. Upon reviewing my updates, incorrect information was found in my reports. The Transunion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MD)

I previously filed a complaint here almost 6 months ago about my coinbase account being hacked. 
I got a response from Coinbase telling me that I would be sent instructions on how to get back into my account. 
However, since getting a reply through here I have still not received any help from Coinbase support. I have sent 5 more emails to Coinbase to try and gain access to my account ( XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XXXX ). I have still not received a single email or phone call from Coinbase. I want to know what I need to do in order to access my account that was hacked! Thank you
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: DISCOVER BANK (TX)

Theres a Discovery card that is in my name and that my parent had opened and I never knew about it but when i went to check my credit again it said the discovery account had just closed on XXXX the XXXX 2022 and about a couple of days ago when i checked my credit again it said it closed on XXXX 2022. Which means my parent constantly is opening and closing the account in my name.
Consumer complaint received 2019-09-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (CT)

Comenity Bank on behalf of XXXX card has been trying to collect {$99.00} from me since early XXXX. I called them on XX/XX/XXXX and send the letter of explanation and proof of payment to the address provided by Comenity Bank. In my letter, I also filed a formal complaint about the way Comenity Bank conducts it collection. Additionally, 1. Comenity is rude. I asked them to transfer me to their supervisor whom I talked to before. I provided the supervisor 's first name and her representative ID. The XXXX representative told me she could not transfer me unless I provide her extension. How am I supposed to know her extension? Isn't her representative ID good enough? 

2. The communications between Comenity and XXXX are flawed. Comenity and XXXX are transferring me between these two entities back and forth. One doesn't know what the other is doing. For instance, Comenity asked me to send my letter of explanation and proof of payment to XXXX. I did so on XX/XX/XXXX. However, I called on XX/XX/XXXX with respect to the correspondence. First, Comenity claimed I sent it to the wrong recipient. I should have sent the correspondence to Comenity. However, it was Comenity who told me to send it to XXXX. Then, Comenity said they saw I sent in some correspondence, but did not have the date and exact content. This is very bad record keeping.
Consumer complaint received 2024-06-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NY)

am not liable for this debt with Jefferson Capital Systems LLC. I do not have a contract with Jefferson Capital Systems LLC. 

Under 15 usc 1692cXXXX XXXX XXXX XXXX XXXX as the consumer can refuse to pay a debt collection. 

15 USC 1681e ( b ) Compliance and procedures I demand to see verifiable proof ( i.e : an original consumer contract with my signature on it and yours thats on file for the account listed below. 

Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hindered my ability to obtain credit. 
Under the Fair Credit Report Act, unverifiable accounts must be DELETED in 30 days.
Consumer complaint received 2024-06-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (NJ)

Alleged Violation of 15 USC 1692g - Validation of Debt I am asserting that a debt collection attempt made by Jefferson Capital System, breaches my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 USC 1692g, which mandates the validation of debt.

**Lack of Opportunity to Dispute Debt** Despite being approached
by Jefferson Capital System , regarding an alleged debt, I lacked prior knowledge of its existence and was not afforded the opportunity to contest it. 

**Request for Certified Mail Receipt** Per 15 USC 1692g , debt collectors are obligated to furnish consumers with a written notice within five days of initial contact, outlining debt details and dispute rights. However, no such communication was received. I demand Jefferson Capital System, furnish the certified mail receipt, corroborated by my signature, confirming compliance with statutory notification requirements.

**Unlawful Debt Collection Practices in New Jersey** It has come to my attention that Jefferson Capital System , lacks authorization to pursue debt collections in New Jersey , my state of residence. Consequently, any pursuit of this alleged debt contravenes state regulations.