davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

My name is XXXX XXXX and I recently opened up a XXXX Account. I deposited XXXX large checks into the account upon opening, and I have been having major problems with this bank ever since. 

I truly believe that I am a victim of XXXX discrimination. I also have an account with XXXX and have neverrrrrrr had an issue with them ever. 

Upon opening my account with Truist, I was made aware of a standard 10 day hold that would be placed on the funds. No problem. 

It has now been well over 10 days and Truist seems to have no urgency in releasing my funds. I have provided all of the required documents that they have requested. 

At this point, I am wanting to close my account because I have never had to deal with this kind of issue with any other banking branch. 

Not to mention that the customer service team seems to have XXXX empathy and urgency with helping with this issue. 

I have called several times about closing my account and releasing my funds to me, but they are not being proactive in doing so. 

If I was a white woman with blonde hair and blue eyes, this would have never been a problem. I am now going on day XXXX without any access to my funds. 

If not resolved, I will file a XXXX discrimination lawsuit with my family attorney.
Consumer complaint received 2020-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO Bank, N.A. (AZ)

On XX/XX/2020 I made a deposit for {$46000.00} via atm teller at BMO harris bank. I was advised and given a 7 day hold notice because of the large amount when on average banks take 3 days to verify checked with secured funds. Today is day 7 and I still don't have my funds. On XX/XX/XXXX I spoke with the banks customer service and was told my funds would be available XX/XX/XXXX. I was also told that my check was held at the discretion of the manager not the banks policy and also the notice says written in large deposit. When did it become suspicious for a XXXX to deposit a check. My dad owned a business and had life insurance.
Consumer complaint received 2020-08-06
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: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX my credit monitoring app notified me that a copy had been pulled by Chase bank. I have never applied nor do i have Chase. I immediately called chase to inquire and was advised to give it 90days and it would be removed. We are 5 months later and it still appears. I called again today and was told the same thing. I am no longer interested in speaking or holding for a Chase rep and would like to have this issue resolved immediately
Consumer complaint received 2020-08-06
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 — Problem with personal statement of dispute
Company: U.S. BANCORP (FL)

I opened a dispute back in XXXX with XXXX  regarding Elan Financial, for whatever reason, the past due payment was removed from my report. A couple of days ago I noticed Elan Financial once again reported the same past due issue once again. I explained to them that subsequently to the migration from XXXX XXXX XXXX which I had set up with autopay, the bill became late and I was unaware. It happens that Elan Financial did not carry over my autopay and although they made numerous attempts to contact me via postal and email ; it is my argument that the envelopes and email were generic by design. I will attach email examples in this complaint. The irony is Elan Financial waited till the bill was passed 30 days to contact me via phone. Once I received the phone call I immediately paid, which I would have done if they would have contacted me sooner. 

I attached an image of the emails I received from XXXX originally and the generic emails I received from Elan which subject line do not refer to XXXX. As you will well notice Cardmember Service is practically any spam email and postal mail one receives on an average week. I phone call would have solved this issue especially since I was a new member. If this would have happened because I just plain forgot to setup autopay or just did not care about making a payment I would understand.
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX 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.
Consumer complaint received 2020-08-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

Experian 's response this morning to my CFPB complaint is a LIE. It said that I most recently contacted them on XX/XX/2020 which is FALSE. I've attached tracking from USPS proving it was received XX/XX/2020. They have yet to respond in a 30 day window and have to remove all items that were not verified within 30 days. I've also attached a copy of the dispute that they received on XX/XX/XXXX.
Consumer complaint received 2020-06-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I had an account with web bank years ago and I became ill no longer able to work so I couldn't pay my account.Then months later I started receiving information from a portfolio recovery stated they purchased my old account this was in XXXX and it's showing in my credit report this account is open but but web bank been closed the account of a balance of {$470.00} and portfolio recovery purchased it to make money off the old account
Consumer complaint received 2020-06-18
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. (AR)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved so it prompts me to check my credit report. These items listed are not mine and need to be removed XXXX  XXXX XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX {$22000.00} XXXX   XXXX XXXX {$190.00} XXXX {$1700.00} US DEPT ED XXXX {$13000.00} XXXX XXXX XXXX {$500.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXXXXXX BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2022-11-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Enterprise Systems, Inc. (FL)

I received a letter that was dated XX/XX/2022 regarding a debt that was taken care of by a previous lawsuit. I received a letter that the amount was written off by the XXXX XXXX. I don't remember the day of the letter I received from them. The reference # : XXXX that is on the letter that I received and the amount stated that is due : XXXX. I mailed a letter to them today letting them know that I do not owe anything. I don't if anything will come of it, but I would like this taken care of and nothing should on my credit report regarding this. 

thanks in advance
Consumer complaint received 2020-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (MD)

Submitted mortgage payment by mail on XX/XX/XXXX. Payment was due on XX/XX/XXXX. Paid {$7.00} for 2 day delivery, which should have arrived on XX/XX/XXXX. Checked to see if payment arrived during the week. Spoke to some on XX/XX/XXXX and payment still was not received. On Monday, XX/XX/XXXX received a notice that payment was received in P.O. Box on XX/XX/XXXX and a late fee was being accessed. The late fee is {$100.00}. The mortgage is held by Quicken Loans , Inc . I was told that only one late fee can be waived, during the life of the loan which I didn't know. Going forward I will pay either online or through the bill payer, because payments just sit in the P.O. Box and appear to not get posted daily. I don't understand why it took 6 days, when I paid extra money for 2 day delivery. The person I spoke with sarcastically said that's why they encourage most people to pay over the phone. No one had ever told me that previously.
Consumer complaint received 2020-08-06
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. (MA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OTHER ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2014 with a balance of {$0.00} -This is not my account.
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
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: AMERICAN EXPRESS COMPANY (NJ)

My Name is XXXX XXXX, AMEX : XXXX was a fraudulent account and paid in full still shows in my credit report. 

XXXX XXXXXXXX XXXX : Nothing is due account was closed long back still shows negative in my credit report. 

XXXX Credit card was a fraudulent charges was paid and cleared up still shows up in credit report XXXX XXXX XXXX Never used never asked for credit card and they are charging me? 

XXXX card fully paid and current shows potentially negative and late payment? 

XXXX XXXX : is in good standing and never late still shows in my credit report. 

XXXX XXXX : Product was returned and confirmed with vendor servicing XXXX, however they are still charging me and sent for collection.
Consumer complaint received 2022-11-04
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (WY)

XXXX XXXX Account XXXX Comenity Bank I have requested this account to be closed on XXXX XXXX, 2022. I paid the full balance due of {$35.00}. I received a reply from the company on XXXX XXXX stating they will not close my account until the full balance due is paid. I checked my credit report on XX/XX/2022 and the account is open and the company is reporting my FULL credit limit as being due which is false. They continue to charge me {$2.00} per month plus interest. 

XXXX XXXX Credit Account - Comenity Bank I requested this account to be closed on XX/XX/2022. I paid the full balance due. I was told that this account was closed on XX/XX/2022. I checked my credit report on XX/XX/2022 and the account is open and the company is reporting my FULL credit limit as being due which is false. They continue to charge me {$2.00} per month plus interest. 

XXXX XXXX XXXXXXXX XXXX Account XXXX Comenity Bank I requested this account to be closed on XX/XX/2022. I paid the full balance due. I was told this account was closed on XX/XX/2022. I checked my credit report on XX/XX/2022 and the account is open and the company is reporting my FULL credit limit as being due which is false. They continue to charge me {$2.00} per month plus interest. 

This company refuses to close these accounts and continues to charge me {$2.00} per month ( their fee ) plus interest. In addition, they are reporting these XXXX accounts inaccurately to the credit report agencies showing I owe the full credit limit as opposed to a {$0.00} balance and the account was requested to be closed. 

I have filed a complaint with the XXXX XXXX XXXX  and received a " blanket '' response from Comenity Bank ( same response they have given to all their customers with similar issues ) that they are researching my concern. I have filed a complaint with XXXX disputing all three accounts which will remain open until XX/XX/2022. This company is affecting MY XXXX XXXX due to the fact that the unpaid balances are showing up as late. 

After several requests, they refuse to send me a letter in writing that my accounts have been closed. This company does not operate in good faith.
Consumer complaint received 2020-03-14
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. (MD)

XXXX XXXX and Experian are updating a closed and paid in full account every single month as Negative late and charge off when the account was settled and paid in full 4 months ago. The credit bureaus goes between those 3 descriptions and continue to report on this account every week, making my credit score drop when this account has been closed and paid off for months now. Instead of fixing the information after sending emails proving that Ive paid the account off, they have every excuse in the book as to why they are right and I am wrong. Ive reached out to XXXX XXXX twice and Experian and  XXXX   twice as well. I was told today to take it up with the Consumer Finance so this is what I am doing now. I really hope this can be  resolved and quickly as Ive done my part and need the credit bureaus and XXXX XXXX to do theirs!
Consumer complaint received 2023-01-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, 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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX the bureas have violated my right by reporting payments on credit accounts on my consumer reports. 

Account : XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX The bureaus have violated my rights. I have the right to privacy and a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

This is against the law and violating my rights. I need these late payments removed from my consumers report immediately as it doesnt follow the FCRA or any laws in that matter. Being that its against the law i know i can take legal action.
Consumer complaint received 2020-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX, I received a notice that the credit limit on my Capital One Spark credit card was being decreased from {$22000.00} to {$10000.00} because I wasn't spending 50 % of my credit limit over the last 12-24 months. I contacted the credit card company on XX/XX/XXXX and was told nothing could change. I've had this card since XXXX and I've never spent 50 % of my credit limit. I've never run a balance month-to-month in the entire time I've had this card. I use this card predominantly for business travel and business purchases and actually the spending trends in the last 12-24 months don't vary significantly from extended previous periods in my business when travel was lower ( and at those points nothing was changed on credit limits ). When I travel multinationally, I like to have a higher credit limit because at those times airfare expenses combined with temp credit holds at hotels can go into the five figure range. I am a XXXX XXXX with a XXXX XXXX XXXX ( so my annual revenues are reported through the TX SOS site and I have a XXXX XXXX XXXX number -- in short revenue trends are available for Capital One to see ). Last year was one of my strongest years and my revenues this year are on par with last year in spite of COVID. I have a credit score above 800 -- usually between 820-835. I'm wealthier than when the original credit limit was assigned ( by about 3X net worth ). There have been no late payments on any bill I owe. My income is high enough that I didn't qualify for the CARES Act stimulus check. Basically, my financial risk as a customer has steadily dropped over the time I've had this card because of consistent fiscally responsible behavior and a resilient business model. No other credit cards have dropped my limit. The one thing that has changed over the last 12-24 months is that I entered my XXXXs. In fact, I turned XXXX just about 25 months ago. So, I honestly believe this drop in credit limit has nothing to do with my spending patterns, and a lot to do with the fact that someone has decided that business owners in their XXXX don't deserve the same access to credit that younger business owners do. Supposedly Capital One is reviewing all spending patterns right now. It would be interesting to see if folks over 60 are disproportionally seeing their credit limits dropped.
Consumer complaint received 2020-08-06
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)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report XXXX  XXXX XXXX XXXX {$1600.00} XXXX XXXX {$9000.00} XXXX XXXX XXXX XXXX {$500.00} COLLECTIONS XXXX {$160.00} XXXX XXXX {$1500.00} XXXX XXXX {$580.00} XXXX  XXXX XXXX {$330.00} XXXX  XXXX XXXX {$530.00} XXXX XXXX {$940.00}
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY (FL)

I applied for an extension of my own credit and was denied through TD Bank.

Application ID none was given. 
They still have my application and im requiring for it to be returned or approved. 
If both request are denied I will be taking action on security fraud. 
I gave my securities with XXXX valuable exchange. 
Per the equal credit opportunity act you have violated my federal rights and I have been injured. 
This also falls under discrimination and I no longer have access to my own credit do to this fraudulent activity. 
I also never gave any written consent to my private information to be bought and sold to a third party corporation. you have humiliated me and have given me heartache. 
I demand my application to be approved or returned immediately or within 5 days of this complaint. 
I demand my private information such as the hard inquiry to be removed from any third party reporting agencies within 5 days of this complaint.