davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I opened an online account on XX/XX/2021 and deposited a check of XXXX into a check account, I went to the bank the next day and deposited a check for XXXX into a savings account immediately after the teller deposited the check she told me there was a hold the account. I was told I needed to call a number and find out what the problem was. I stayed in the bank and called the number from my cell phone. The person that answered told me they were having a problem verifying my identity and I needed to go to a local institution and verify my identity. Since I was already there in the bank I sat with a young lady named XXXX and verified my identity showing my drivers license and another bank card from a different bank after that I was told there was no longer a hold on the account but I would need to open up two new accounts so that when my money was available I could do a transfer even though I didnt have access to the account. They told me it would be available after midnight and to come back tomorrow. I came back the next day and my funds still werent available and I was told when they were the bank manager would do an executive transfer so I would not have to come back. I checked the account this morning and my funds are not available. This is the fourth day and I wasnt called back or notified about anything
Consumer complaint received 2021-09-29
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: WELLS FARGO & COMPANY (GA)

My late aunt 's estate had a {$5800.00} refund from a Wells Fargo settlement. I have mailed in the appropriate paperwork the WF team asked for And have yet to have any correspondence let alone the check that was issued and never recieved in XXXX of 2020. Please help me resolve this matter. I am the executor and sole beneficiary.
Consumer complaint received 2021-09-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Ref ID - XXXX, Paypal restricted and/or put my account to limited status. I have previously requested a review/appeal of my case which was denied. Although I still disagree with the decision to deny my appeal I will abide by it however because I feel that holding my funds for 180 days is excessive, and perhaps a punitive abuse of power. May email linked to paypal is XXXX.
Consumer complaint received 2021-09-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Consumer complaint received 2021-09-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (AL)

I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2021-09-29
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. (FL)

I sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary XXXX. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately removed from my credit report.
Consumer complaint received 2024-02-06
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: FC HoldCo LLC (TX)

I made a complaint with # XXXX in XXXX for FLAGSHIP credit Acceptance. 
They didn't solve the problem of reporting the payments al credit bureau, I checked with XXXX and there are no reports. They agreed that at the end of XX/XX/year> this problem would be resolved. But they have not completed the 30 days they agreed to. And so I will never be able to have a better score and payment report on my credit. This way I will not be able to buy a house because I have no payment history on my auto loan. I hope you can help me solve this problem.
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I reviewed my credit reports and see that XXXX is incorrectly reporting that i was late on a payment on XX/XX/XXXX, some 4 plus years ago. The fact of the matter is I was NEVER late with even one payment and I have this account since XX/XX/XXXX. 
I wrote to XXXX, XXXX, Experian and XXXX and they have not corrected their error. 
Please have this error corrected, it is effecting my ability to obtain a home loan and the reporting is false. 
Thanks
Consumer complaint received 2021-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Received an approval letter on XX/XX/XXXX stating to pay XXXX $ to open a secured credit card account. 

I called and inquired and the rep stated if I wanted to make more deposits I could and they would add an additional {$100.00} to the deposit. 

I finally was ready to roll on XX/XX/XXXX, I called Capital 3 times to ensure that if I made a deposit of XXXX $ i would receive {$590.00} $ and the rep stated yes, so on XX/XX/XXXX I made the {$490.00} deposit and sat back and waited. My bank settled the transaction on XX/XX/XXXX at XXXX XXXX Eastern time. 
I contacted Capital One on XX/XX/XXXX to see when my Card would be sent only for the rep to tell me that my account was denied. 

I asked when was it denied, she stated on XX/XX/XXXX, I received no emails or letters stating i was denied or that i would have my {$490.00} returned back and the date of that return. The rep stated it would take 45 days to be placed back into my account and that is unfair. 

I called again this am 4 different times for them to tell me the same thing. I feel that this was an unjust denial as the card was offered to me by XXXX and XXXX XXXX for those with credit not so good-my score is XXXX and this card fit what i could get approved for. 

i in fact was approved and as soon as i made that deposit on XXXX, they denied me for some strange reason on XXXX I would like assistance with retrieving my funds back and to also report in my opinion, blatant racism. 

I will be sending out several reviews so that others will not find themselves in the same situation. 

Since then, i have been approved for 2 other credit cards and i have no issues with these cards. I am happy to continue to increase my score with them. Please help me with this as its not fair that i have to wait 45 days for my monies back. 

I just want my monies back and to find out specifically why i was approved and as soon as i sent the money i was denied. 

Thank you kindly for your assistance.
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC. (LA)

I recently wrote to Midland Credit Management, via certified mail, requesting the deletion of the following account : Account Number : XXXX, and would like for you to have a copy of this document as well. I would also like to initiate another dispute with you in efforts to finally remedy this situation once and for all. Midland Credit Management continues to falsely verify this account whenever I dispute this item with the XXXX XXXX XXXX, -as well as yourself, the Consumer Finance Protection Bureau , -whom is a government entity. This company has stated to all parties, including myself, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate, inconsistent, and or incomplete! According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. Midland Credit Management has been reporting this inaccurate information for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as detailed the U.S. Code violations, yet somehow, you still allowed Midland Credit Management to report that the information was verified, which allowed this item to remain on my credit report. At this point, I pose the question ; Is Midland Credit Management above the law? Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter has also taken a significant toll on my health and livelihood, which I have detailed in the attached document. I have also enclosed the pdf version of my letter to this company, as well as my credit reports which display the obvious inaccuracies and inconsistencies this company is reporting, which they are falsely verifying as is accurate. This has to stop! Please see the attached documents.
Consumer complaint received 2023-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NV)

I deposited 2 checks. Not only was a hold placed on both checks, but they also subtracted it from my balance. Now I'm almost {$2000.00} in the hole. My rent is due and I've got kids to feed. That is all my money. We could be homeless by the time they give me my money.
Consumer complaint received 2021-09-29
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 — Their investigation did not fix an error on your report
Company: Financial Credit Network Inc (CA)

Once again I had stated in my previous dispute letter that I do not recall having this account. I've also asked your agency to provide the monthly payment, credit limit, terms, last payment, past due amount, date of first delinquency, and date closed as well as the payment history since they are missing from the report.
Consumer complaint received 2021-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I opened my business account 2 years ago and since then Bank of America has been very poor on services and supporting my business. Since recovering from a pandemic, the business has already crossed the {$300000.00} revenue but Bank of America continues carelessness. I asked for a credit card so many times until giving up and find other cards elsewhere, including from other banks. Recently, I received an invitation to join one of Bank of America 's cards and decided to apply, and surprisingly got denied. Where is the rep to call me and understand my business needs? Why all other banks and institutions gave me credit cards like XXXX XXXX, XXXX, XXXX XXXX, XXXX, but the bank where I have 3 accounts, 2 businesses + personal have zero support and care?? Hasn't offer one single product to support a small business like ours in spite of our growth. Why sending invitations if even the cheapest card can not be approved?
Consumer complaint received 2019-12-10
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. (UT)

XXXX XXXX # XXXX is reporting a collection to my account and I have no idea what it is from. I do not know who the original creditor is and I never had any kind of debt with them. This collection is not mine and I do not know why it is on my credit report.
Consumer complaint received 2021-09-29
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 — Their investigation did not fix an error on your report
Company: I.C. System, Inc. (CA)

Once again I had stated in my previous dispute letter that I do not recall having this account. I've also asked your agency to provide the monthly payment, credit limit, terms, last payment, past due amount, date of first delinquency, and date closed as well as the payment history since they are missing from the report.
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent TransUnion a dispute letter on XX/XX/2021 asking TransUnion to validate my bankruptcy and they have not responded. I have sent a certified affidavit to TransUnion showing them the laws they have violated. I did not give written permission to TransUnion to publish a bankruptcy on my consumer report. TransUnion is violating my consumer right to privacy! I want this item permanently deleted from my consumer file and compensation for all the laws the TransUnion broke.
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX XXXXBalance $ XXXX Opened : XX/XX/2019 2019
Consumer complaint received 2023-06-10
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. (GA)

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information 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. 

# 1 Account name : XXXX XXXX # XXXX # 2 Account name : XXXX # XXXX # 3 Account name : XXXX XXXX XXXX # XXXX # 4 Account name : XXXX XXXXXXXX XXXX # XXXX # 5 Account name : XXXX XXXX XXXX # XXXX # 6 Account name : XXXX XXXX XXXX # XXXX # 7 Account name : XXXX XXXX XXXX # XXXX # 8 Account name : XXXX XXXX XXXX # XXXX # 9 Account name : XXXX # XXXX # 10 XXXX XXXXXXXX XXXX XXXX # XXXX # 11 XXXX XXXX XXXX XXXX # 12 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # 13 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make 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 that the information is inaccurate.
Consumer complaint received 2021-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have sent in multiple letters regarding this account that violates my privacy and at this point I am a victim of identity theft and I am righting this to get the following deleted from my reports Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$1700.00} XXXX XXXX XX/XX/XXXX {$200.00} XXXX XXXX XX/XX/XXXX {$250.00} XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$850.00}
Consumer complaint received 2021-09-29
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (PA)

I have disputed this debt several Times with XXXX  but the company still has not provided accurate proof of debt to me. This is over 10 years old and she be off my credit. They keep adding it to my credit as if its new.
Consumer complaint received 2021-09-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (PA)

A gentleman by the name of XXXX XXXX called said he was with accounts receivable technology. He was calling with reference to a leased vehicle that I turned in over four years ago. He said I owed {$1700.00} and he would take a settlement for {$1200.00}. Proceeded to ask me if I had the money and if I could put it on a credit card. He talked very fast and he wouldnt let me get a word in edgewise and he was condescending and talking down to me as if I dont understand Finance and Leasing vehicles. The phone number XXXX. Ive never received any correspondence from him, he had my address, he had cell phone, and I asked him what was this reference to and he said it was with reference to a car I turned in that was damaged. I have never received any correspondence or information with reference to a car that I have turned in that was damaged over all of the decades of leasing cars. And thats when he proceeded to give me a lecture about leasing cars. Ive never received a damage report, never received photos of the damaged car, I have never damaged a car for that matter. I turned in the XXXX vehicle in XXXX Colorado XX/XX/XXXX, I walked out the same day after I signed a new lease agreement, traded the XXXX in, and I never heard another thing again. Until XX/XX/XXXX when Mr. XXXX called demanding money. I demanded that he send me in writing what he is referencing, I want pictures of a damage vehicle, I want proof that I damage that vehicle because thats not how I turned in the vehicle, it was inspected that day and I wasnt charged for anything. He asked me for my email and I said no you have my mailing address send me what you have in the mail. That was XX/XX/XXXX it is now XX/XX/XXXX and I have not received anything from him. I proceeded to call XXXX XXXX where I made that transaction in XX/XX/XXXX spoke to the finance manager, XXXX XXXX, he proceeded to call Mr. XXXX XXXX, Mr. XXXX XXXX would not talk to him. I still have not heard anything, I do not want this on my credit and I demand in writing with photographs and proof and verification of what this XXXX XXXX XXXX is talking about.
Consumer complaint received 2023-01-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (PA)

Sallie Mae is keep raising my payments even with my paying them offf they keep going up another {$1000.00} I find this unfair and not very professional I been having problems with this company for the past 2 years now, I am out of college and sallie Mae and bringing me into debt
Consumer complaint received 2021-09-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AL)

I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2021-09-29
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 — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (NJ)

I wrote to the company to inform them that the inquiries in question were fraudulent and needed to be removed. Instead I was either not answered or sent notices that they had no proof of the inquiry even being put on my credit report. They never provided any proof that I was the one who ran my credit. 

The date is now XX/XX/2021, I have been contacting the following company for the past 3 months to no avail. someone was trying to get credit in my name as well as loans to do XXXX knows what. They failed to assist and I am now filing a complaint. 

Synchrony Bank XXXX XXXX XXXX