davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital one line of credit issue : I have a capital one line of credit for 20 years and recently, during the Covid19 pandemic, they decided to discontinue the account for no reason. They also raise interest and auto deduct the monthly charges out of my checking. 

I have been contacting the bank for entire year to at least start sending me a monthly statement so that I know what I am paying in principle and interest. This way, as a customer, I can keep an eye on things. 

Unfortunately, they won't submit any statements and when I log in to my online, there is nothing to tell me how much I have paid each month or what the interest rate is? 

Basically, I am just sitting here at the mercy of the bank with no information. Other than an auto deduction that they auto deduct from my checking to go to the line of credit, I see nothing else. 

Is this kind of hidden in the dark billing service from a top 10 bank legal under Finra and FDIC rules?
Consumer complaint received 2021-08-29
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: EQUIFAX, INC. (AZ)

I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places
Consumer complaint received 2022-11-01
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: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$48000.00} ; XXXX XXXXXXXX Balance : {$360.00} ; XXXX XXXX XXXX Balance : {$340.00}
Consumer complaint received 2021-08-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Hello, Thank you for all that you do. 

This contact is in regards to a complaint focused on the unethical business practices used on me via " Capital One ''. I was making payments until one month ( XX/XX/2018 ) I could not due to my over-bearing car and legally forced car insurance plan requirements. I was contacted once about the first missed payment and then I was sent a letter within 30 days that my minute account had been closed by the lender. This is after I had made a {$100.00} payment within the time frame of the first paper mail communication and the last paper mail communication informing of closure. Then I received another paper mail communication for an invoice of the XX/XX/2018 payment. The debt has been purchased by " XXXX XXXX '' and is currently owned by " XXXX XXXX XXXX ''. When attempting to contact " Capital One '' I was transferred to " XXXX XXXX XXXX '' to settle the debt an spoke to XXXX, XXXX, XXXX ( XXXX ) and XXXX. We discovered that the balance I owe of {$450.00} does not reflect the balance of {$310.00} transferred from the " Capital One '' statement and I was being asked for too much money in regard to this debt originally presented in the amount of {$470.00} via " XXXX XXXX ''. 

Please feel comfortable contacting me via email/voice/text/etc. 

Happy Sunday, XXXX XXXX XXXX XXXX/XXXX
Consumer complaint received 2021-01-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

I sent Experian a letter on XX/XX/2020 in regards to inaccurate and unknown things on my credit report. I disputed this account with all 3 bureaus and it was DELETED from XX/XX/XXXXbecause they could not validate the information reported. So how is it that Experian and XX/XX/XXXXcan validate it, if all the information reported is supposed to be the same for all the bureaus? THIS IS A VIOLATION! My information was also impacted by the XX/XX/XXXXdata breach and may have gotten into the hands of the wrong person. As well as another data breach. And please don't come back saying this is not me because it is IN FACT ME XXXX XXXX. This has been going on for way too long! : - (
Consumer complaint received 2022-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$48000.00} ; XXXX XXXXXXXX Balance : {$360.00} ; XXXX XXXX XXXXXXXX Balance : {$340.00}
Consumer complaint received 2021-08-30
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (CA)

CITI bank recently sent me a promotional savings account as shown in the attached but it refuses to open up the account for me. I have been using this promotional savings account with CITI bank 3 times during the last year or so but they are refusing to do so anymore on the pretext that I took my money out as soon as the terms of the promotion was satisfied. The terms as explained in the attached documents is to leave a certain amount of money in the saving account for 60 days and the bank will give the customer the promotion within 90 days after the 60 days condition has been achieved. I have been doing so three times so far but they are mad and upset with me that I had been taking the money out of the accounts a few days after the 60 days requirement had been achieved. This is what I was told by a few of the bank representatives. This is a hypocritical and dishonest advertising as the bank requires the customer to leave the money in the bank for only 60 days and then to be upset with the customer when the money is taken out of the account after the 60 days. At one time they did not want to open the account for me as the bank was suspicious of where my money was coming from. So I had to take the documents to them to show them the money was coming from selling of five of my rental properties. At that time the bank opened up the account for me and I received the bonus. But this time the bank is mad at me because I have been taking the money into another bank with higher interest as soon as the 60 days period is reached. The attached precisely explains that the bank sent me an invitation but the bank refused to open up my account. The last time that I got the bonus I received a letter from the bank that the bank was going to close my account forever. Therefore, I had to close the account myself to avoid having a bad effect on my credits. 
Also, the last time I received a flyer in the mail that If I opened an account for {>= $1,000,000}, the bank would gave me {$2500.00} bonus. but the banker told me sine I have been a CITI gold customer I was qualified for {$3500.00} rather than {$2500.00}. But the bank only gave me {$2500.00} instead of {$3500.00}. When I objected to that I was told by the regional manager in Utah that {$2500.00} was better than nothing!!!. This is fraud in both advertising and customer relationship.
Consumer complaint received 2021-08-29
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: EQUIFAX, INC. (AZ)

I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places.
Consumer complaint received 2021-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am XXXX XXXX XXXX  affected by XXXX XXXX pandemic I was very sick not able to work, speak and eat for several time, My wife contacted credit card banks on my name by phone on XXXX XXXX requesting help with payments assistance with my auto loans and credit card payments because COVID 19 pandemic effected me. Home mortgage and auto loans banks and credit cards creditors help me with this request and agree to put my accounts of a DEFERMENT plan FOR 3 MONTHS I was happy with this. BEFORE BEEN INFECTED WITH COVID 19 I NEVER WERE LATE ON MY PAYMENTS I HAVE 100 % ON TIME PAYMENTS RECORD. all my family got infected with this terrible virus our economical situation was very bad we only can be thinking in how to fill better to return at work nothing more. 
Later I found a very unexpected notice my credit cards. XXXX XXXX, XXXX XXXX XXXX AND XXXX THIS THREE BANKS reported late payments on my credit reports Missing payments on XXXX, XXXX and XXXX I mailed several dispute letter to credit report agencies EXPIRIAN, XXXX, XXXX  and to my creditor but they don't want to correct this wrong information they want me to prove them when I called to request help how can I prove it do I have to record every calls? AT THIS TIME I PAID ALL MY LATE PAYMENTS I AM NOT BEHIND I just want to update my account same status It was before differed payments plan I KNOW I am protected by CARES ACT I LOOSE A VERY GOOD JOB OPORTUNITY BECAUSE THIS WRONG MARKS ON MY CREDIT REPORTS I am looking for legal advice to move this to a court room if this banks don't correct this in 30 days. 
Thanks
Consumer complaint received 2021-08-29
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. (MI)

I am so sick and tired of dealing with the credit bureaus I have been trying to get them to remove all this misleading information from my credit report and nothing has been done to help me. I sent letters to this this year on XX/XX/21, XX/XX/21, and XX/XX/21 to let them know the errors and I have not heard anything back from them. I didn't get any mail, email, call, text, nothing. I make okay money now but can't get approved for anything this is holding my life back I need help someone must stop them!
Consumer complaint received 2021-01-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im assuming that you either didnt receive my letter I sent on XXXX to this date XXXX over 60 days later I have not received a response about these misleading unverified accounts that are reporting to my credit profile. I understand that you receive thousands of disputes each day but on your website it states to specifically disputes through mail which I did. I demand these accounts be removed immediately and to receive proof that you did an independent investigation on the items that are misleading. Thank you I hope to get a response and information resolved quickly.
Consumer complaint received 2021-01-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2020, I sent out a request for verification on several accounts. It has now been over 60 days since that request, and no response has been received for all to the listed accounts
Consumer complaint received 2021-08-30
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. (MD)

Your company has assumed the role of communicating these alleged debts and information listed below. Therefore, you must follow the laws, the FCRA and FDCPA, that were written by congress and put in place in order to protect me as a consumer. So it is your responsibility to ensure that your company does not engage in any conduct that violates my individual privacy, and is detrimental and harmful to my character, reputation, or mode of living. 

The reporting of the following alleged accounts are in fact violating my rights under the FCRA and the FDCPA, and are both detrimental and harmful to my character, reputation, and mode of living. You are also violating my individual privacy because I never gave you any written consent to communicate these alleged accounts through any means or facility of interstate commerce. 

Please remove these alleged accounts listed below because you are engaging in conduct that is unlawful and unfair. This dispute is between your company and I, not the furnishers of this data so there should be no reason why I should receive a response from you company saying that you are investigating this dispute with them. Your company is the one who is violating my rights, and under the provisions of the Gramm-Leach Bliley Act, I opt-out of the reporting of the alleged accounts and information below XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2021 XXXX XXXX Inquiry date : XX/XX/2021 Under the Fair Credit Reporting Act you have 30 days to respond. I hope that your company upholds its call for integrity, and you protect my rights as a consumer under the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. Everything that you need as far as my identification goes is attached, which is my license and proof address therefore there should be no reason why this dispute is not processed by your company. I will maintain all copies of this letter in the event that further action is needed, and I ask that you include this letter in my file.
Consumer complaint received 2021-01-01
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (ND)

COMENITYCAPITAL/XXXX Account XXXX XX/XX/XXXX-showing 30 days late This credit card has been an absolute headache since I first applied. First, the person at the register that helped me get the account, entered my information ( mailing ) wrong. My card was delayed in coming, and my statement never arrived. Without an accurate account number, I could not sign up for online payment options until several months AFTER the card was issued. 
XXXX had to reverse late fees due to error on THEIR part. I called customer service, which took nearly an hour to get through to someone. Now fast forward to summer 2020, when I finally used the card again, they failed to send me a bill. When the bill finally came, I had a late fee!! I have worked very hard on having positive credit over the past several years, and this is the only late item on my credit report. Why would I neglect such a minimal bill on purpose? And why was this reported on my credit report? This has caused my score to drop. Please help resolve.
Consumer complaint received 2021-08-30
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. (MD)

Your company has assumed the role of communicating these alleged debts and information listed below. Therefore, you must follow the laws, the FCRA and FDCPA, that were written by congress and put in place in order to protect me as a consumer. So it is your responsibility to ensure that your company does not engage in any conduct that violates my individual privacy, and is detrimental and harmful to my character, reputation, or mode of living. 

The reporting of the following alleged accounts are in fact violating my rights under the FCRA and the FDCPA, and are both detrimental and harmful to my character, reputation, and mode of living. You are also violating my individual privacy because I never gave you any written consent to communicate these alleged accounts through any means or facility of interstate commerce. 

Please remove these alleged accounts listed below because you are engaging in conduct that is unlawful and unfair. This dispute is between your company and I, not the furnishers of this data so there should be no reason why I should receive a response from you company saying that you are investigating this dispute with them. Your company is the one who is violating my rights, and under the provisions of the Gramm-Leach Bliley Act, I opt-out of the reporting of the alleged accounts and information below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/2021 XXXX  XXXX XXXX Inquiry : XX/XX/XXXX Under the Fair Credit Reporting Act you have 30 days to respond. I hope that your company upholds its call for integrity, and you protect my rights as a consumer under the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. Everything that you need as far as my identification goes is attached, which is my license and proof address therefore there should be no reason why this dispute is not processed by your company. I will maintain all copies of this letter in the event that further action is needed, and I ask that you include this letter in my file.
Consumer complaint received 2021-01-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I paid a past due account/loan I had with XXXX  before we purchased our new house in XX/XX/2020. I was reported correctly that I paid it and the account was closed. In XXXX it was changed from paid status to derogatory under the condition section with Transunion. I have filed 2 complaints and wrote a statement explaining why it was wrong and kindly asked it be corrected. XXXX  and XXXX  are both reporting it correctly that the account has been paid in full and is closed. Transunion will not help me and leave it at derogatory status and show it still a collection. Due to their error my credit dropped over 100 points and I explained this to them. I paid the full balance due with XXXX  and the agreement was it would be reported correctly.
Consumer complaint received 2021-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (ME)

There is a credit inqury on my report for a small business loan under my maiden name that I did not apply for. Please let me know how to resolve this and also find out if the application was approved? It made my credit score go down significantly.
Consumer complaint received 2021-01-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ACIMA CREDIT, LLC (IL)

I received an offer in the mail to settle a debt that I got while I was over seas on XXXX XXXX. the agent advised I could settle the debt for {$610.00} I told the agent I did not have the money to do it and he said that they could extent to off for 30days if I give them account information to bill I was not sure but he said after 30days when the payment clears they would send a request to have the account removed from my credit report. I agreed and give my cc info, the card was charged on XX/XX/XXXX then last week I was checking my credit and saw that the account was still there and that the balance was still the same I rechecked with my bank and the payment had cleared 30 days from the offer date but acima credit never updated or removed the tradeline like they said so I called them to find out why and she said that I was not told any of that and that I would have to dispute it with the CRA I call and placed a dispute with XXXX  and on XX/XX/XXXX. On XX/XX/XXXX there was an update to my credit report that account is not listed as settled for less but not they had added 2yrs worth of late payments and even late payments for XXXX and XXXX when the account was settled in XXXX of XXXX these action caused my credit score to drop as now I have late payments for an account that was just a collection account. I am scared to submit another complaint because I cant afford for my score to drop again I have been working really hard to fix it and because I asked them to honor what was agreed on my XXXX  score dropped 23 points and my Fico score dropped 12
Consumer complaint received 2021-08-30
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)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.