davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I called capital one credit multiple times with regards to inaccuracies in their running balance on my card. I paid something like XXXX for about XXXX in purchases, one of my payments didnt even appear in their system but the balance changed. This has happened to me prior back in 2009, same issue same company. They have a bad system somewhere and are pretty much just stealing from people. Ive called 3 times since XXXX and the issue still persists.
Consumer complaint received 2021-12-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc. (IA)

Dental work completed at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Iowa XXXX in XX/XX/2019. Was unable to complete payment, leaving a balance owed of approx {$600.00}. In XXXX of 2019, the dental office submitted the debt to Professional Finance Co, XXXX XXXX XXXXXXXX, XXXX, Co XXXX, now in the amount {$800.00}. My finances improved, and I contacted the Dental office, and settled my debt in the amount of {$600.00} directly with them. The only contact from Professional Finance Co has been thru my credit reports, as I have disputed the amount now on three different disputes, and each one has been " confirmed '' by Professional Finance Co, and they are reporting a balance due of {$200.00}. I have asked them for original documentation for the original amount due ( {$800.00} ), and for the remaining amount due of {$200.00}. No reply to date. I feel i do not owe the addition amount due, and the report should be removed from my credit reports at all three reporting agencies. Advise XXXX XXXX
Consumer complaint received 2021-12-19
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. (IL)

MISLEADING AND FALSE INFORMATION i have inquirys on my credit report that i didnt do syncb/paypal ( bank ) XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 i have a letter for my XXXX XXXX  bankruptcy its been dismiss they did the paper wrong I reviewed a copy of my credit report and didnt unauthorized credit inquiry on me on I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

If you have any questions or need additional information, please contact me at address listed below XXXX XXXX XXXX XXXXXXXX Illinois XXXX
Consumer complaint received 2021-12-19
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. (PA)

I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer
Consumer complaint received 2021-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (NC)

I have had online statements with PNC for months. This XXXX they started a new program called Virtual Wallet and started sending paper statements which I did not opt-in to or ask for and started charging fees for doing so. When asked about it, they refuse to make it right. I have attached my statement showing I was not charged this fee last month in XXXX. This is a new change and a new charge.
Consumer complaint received 2021-12-19
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: Professional Debt Mediation, Inc. (GA)

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g ACCOUNT NUMBER : XXXX
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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My XXXX XXXX XXXX only address is XXXX XXXX XXXX. XXXX XXXX Place of Employment is XXXX this the correct information that belongs on my credit report nothing else..
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

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 2022-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo held a deposited check ( {$3000.00}, from a reputable credit union ) for longer than allowed via Regulation CC. Efforts to resolve the situation with the bank were met with continued claims of " that account can not be found ''. The credit union account is valid and amply funded. Document of the credit union account was provided to Wells Fargo, but the amount is still being held. I firmly believe Wells Fargo holds deposited checks in order to generate fraudulent fees.
Consumer complaint received 2021-12-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (PA)

I made a settlement agreement with XXXX XXXX XXXX that if I paid {$300.00} of a {$490.00} balance for a debt owed that once the payment cleared they would contact the credit bureaus to have this debt removed and any history from my credit reports within 30 days. 

The payment cleared in their system on XX/XX/2021. Today is XX/XX/2021, I have called them about 3 times over the past 7 days. Only to be told that I still have to wait before they contact the credit bureaus because it takes 45 days which is not what I was told in the beginning. I called again on XX/XX/2021, and spoke with a rep. named XXXX, she tells me it takes 30 days and the 30 days have not started yet. It was reported to the credit bureaus that I owe a balance of {$190.00}, which is supposed to be cleared as per our agreement. 

I recently refinanced my vehicle and did not get the rate I deserved because this debt is still on my credit reports.
Consumer complaint received 2019-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NJ)

XXXX, Experian, and XXXX XXXX will not remove these accounts from my credit report. I disputed it several times, but they keep telling me its verified. I have no knowledge of these accounts and also they are over 7 years old and by the FCRA any account over 7 years old must come off the credit report except for bankrupcy which is 10 years.

US DEPT. OF EDUCATION Acct. # : XXXX Report Balance : {$9400.00} Date Opened : XX/XX/2012 US DEPT. OF EDUCATION Acct. # : XXXX Reported Balance : {$4300.00} Date Opened : XX/XX/2012 XXXX XXXX XXXX Acct. # : XXXX Reported Balance : {$0.00} Date Opened : XX/XX/2012 XXXX XXXX XXXX  Acct. # : XXXX Reported Balance : {$0.00} Date Opened : XX/XX/2012 XXXX
Consumer complaint received 2021-12-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I will always say the truth and nothing but the truth. I have had capital one bank account since XXXX. I joined the United States XXXX in XXXX and the account was fine for a while. All of a jsudden my balance falls below XXXX. It's XXXX. I contact capital one several times to inquire why my balance is below. I had about {$200.00} in the account because I was just starting to build the account. They refused to tell me what was going on for a long time. Finally sometime in XXXX almost XXXX they told me it was because fraudulent check or a fake check was deposited into the account. The check bounced and whomever did it removed XXXX dollars before the check can bounce. I told them why is it that it took it a very long time to yell me this. My account had been restricted ever since. They told me I have to pay the XXXX but I told them I know nothing about the crime therefore I can not pay for something I didn't do. I would like my account to be fixed and restored so I can use it. I really enjoyed the convience it have while I was using it for the short period of time I had it and I also have a credit line with them. They have also refused to give me my military benefitsXXXX I would like them to implement that on my eligible accounts as well.
Consumer complaint received 2021-12-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Corp Solutions Inc. (PA)

I made a settlement agreement with CREDIT CORP SOLUTIONS that if I paid {$300.00} of a {$490.00} balance for a debt owed that once the payment cleared they would contact the credit bureaus to have this debt removed and any history from my credit reports within 30 days. 

The payment cleared in their system on XX/XX/2021. Today is XX/XX/2021, I have called them about 3 times over the past 7 days. Only to be told that I still have to wait before they contact the credit bureaus because it takes 45 days which is not what I was told in the beginning. I called again on XX/XX/2021, and spoke with a rep. named XXXX, she tells me it takes 30 days and the 30 days have not started yet. It was reported to the credit bureaus that I owe a balance of {$190.00}, which is supposed to be cleared as per our agreement. 

I recently refinanced my vehicle and did not get the rate I deserved because this debt is still on my credit reports.
Consumer complaint received 2021-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

The entire banking system is majorly flawed in it's design and how it uses credit scores. 
I have a low credit score with XXXX marks on my credit besides credit utilization. 
I am trying to pay off my credit card debt which accumulated when I was out of a job. I've already paid close to my total bill just in interest and there's no way out as the overwhelming majority of your payment goes to the interest. I tried to get XXXXapr balance transfer promotional credit cards so I can actually pay down the debt but a high credit utilization makes your credit score go down and no bank will approve with such a low credit score. 
In short banks will give you as much money as you want as long as you can prove you absolutely don't need it. The system of just looking at credit scores is broken. If they'd look at my history they'd see I've never missed a payment in my life although I'm starting to think maybe I should. 

Attached is yet another declined XXXXapr credit card application ( this one from capital one ) that says we'll send you a letter that will come in 10 days and say the same vague statement that at this time we can't approve you blah blah blah blah blah blah blah blah blah blah blah. 
Then when you call them you get the same answer that they can just enter into the system and basically they can't do anything either.
Consumer complaint received 2021-12-19
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (NJ)

On XXXXXXXX my account with XXXX XXXX ( Comenity Bank ) was closed and paid in full. 
Since this time, I continue to receive monthly statements with late fees and interest charges. I have contacted them several times with no resolution to the problem. 
Please help.
Consumer complaint received 2021-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

Unbeknownst to me, this lender was switched out from my original lender, and 100 % purely due to their new collection techniques, which I was not informed of, I incurred a late payment on XX/XX/2021. At first I attempted to dispute the late payment with the company, because it had negatively affected my credit score, and they removed the late payment on " XX/XX/2021 '' -- the item disputed on my credit report was " XXXX '' and it was deleted in XXXX. 

However in the following months, it has since re-appeared on my credit report, for XXXX, and it has been reported it as 2 late payments on Experian -- I disputed this with experian and they removed a late payment, and it has re-appeared again. 

Even though this item was disputed and deleted. It keeps re-appearing, and is negatively affecting me and my ability to acquire credit. My credit score was near perfect before this. The company will absolutely not help me with any of this and refuse to acknowledge the problem.
Consumer complaint received 2021-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Unbeknownst to me, this lender was switched out from my original lender, and 100 % purely due to their new collection techniques, which I was not informed of, I incurred a late payment on XXXX 2021. At first I attempted to dispute the late payment with the company, because it had negatively affected my credit score, and they removed the late payment on " XX/XX/2021 '' -- the item disputed on my credit report was " XXXX '' and it was deleted in XXXX. 

However in the following months, it has since re-appeared on my credit report, for TransUnion, and it has been reported it as 2 late payments on XXXX -- I disputed this with experian and they removed a late payment, and it has re-appeared again. 

Even though this item was disputed and deleted. It keeps re-appearing, and is negatively affecting me and my ability to acquire credit. My credit score was near perfect before this. The company will absolutely not help me with any of this and refuse to acknowledge the problem.
Consumer complaint received 2021-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX/XXXX/2021, I was notified by email from Capital One 360 that my bank account was being restricted due to unusual activity. The email said, " We noticed unusual activity on your account ending in XXXX. For your protection, were restricting your Capital One Bank account ( XXXX ) until we verify some recent activity. A restricted account may prevent you from withdrawing money or completing pending transactions, though you can still deposit money. '' The next day on XXXX/XXXX/2021, I received another email saying I received a credit into my account, which said in the email, " This money is immediately available. '' However, this is not true as Capital One is refusing to lift the restriction from my account and is holding my funds XXXX by not allowing me to transfer my funds to an external account or use it in any way. On XXXX/XXXX/2021, I received another email about the restriction that said, " We're restricting your Capital One 360 account ( XXXX ) until we can verify your recent account activity. We may contact you to confirm this activity. Based on the results of our review, your account ( XXXX ) may be closed and your balance- plus all interest earned- will be transferred to your linked external checking account. '' This is also not true as they are not allowing me to transfer to an external checking account, and according to them the external checking account that was on file was removed from my account, even though I never removed it or asked Capital One to do so. After I received the first email, I called Capital One and instead of unrestricting my account, they made a decision to close my account after the claim is finalized because they said if my account was hacked or accessed by someone else it is " too much of a risk. '' There is not a risk of it being hacked if they allowed me to access my own funds over the phone as I have already verified myself by taking a live photo of my ID, yet they refuse to do this even though they have the ability to revoke the decision about restricting and closing my account. Capital One 's refusal to let me access or transfer my funds is causing a serious hardship for me. I can not wait weeks or months for them to close my account, I need these funds as soon as possible or I may lose XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
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 — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

My XXXX XXXX XXXX only address is XXXX XXXX XXXX. XXXX XXXX Place of Employment is XXXX this the correct information that belongs on my credit report nothing else..
Consumer complaint received 2019-09-07
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: EQUIFAX, INC. (SC)

XXXX XXXX breached duty of care. XX/XX/2019 RE : Investigation - Delete Credit Inquires and Negative and Late Reporting To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor did not have a permissible purpose, and /or was able to verify my complete file information including full name, address, date of birth and SSN #. INCORRECT ACCOUNT INFORMATION ; PER XXXX XXXX MGMT The accounts below are reporting incorrectly. investigate and correct : 1. { XXXX XXXX } { ac # XXXX } { Remove negative and late reporting information from all records from XXXX XXXX HELOC account, according to proof } I am demanding immediate correction, after which I authorize you to mail me my updated credit reports along with the investigation results, and removal of " Foreclosure Listing '' on the internet. Also, XXXX XXXX is reporting an account that I have NO KNOWLEDGE OF, account number XXXX XXXX account reference, XXXX XXXX -Inaccurate Account Number XXXX.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (PA)

It is unacceptable to check my credit report and find all these violations. 

Remove all fraudulent and inaccurate account from my credit report. 
Block any information resulting from identity theft, as required by FCRA. 

I expect a prompt response and resolution to this matter. Failure to comply will leave me with no choice but to legal remedies available under the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-05-25
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Westlake Services, LLC (TX)

I have an eviction from XXXXXXXX XXXX XXXX in XXXX Texas and a charge off from Westlake financial and tons of inquiries and it's severely damaging my credit. Please remove this stuff
Consumer complaint received 2024-06-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (GA)

I went to chase bank branch on XX/XX/year> and deposited a check for {$53000.00}. The bank closed my account on the same day the funds were deposited. I called and they told me to reach out to have the person who issued the check put a stop payment. My XXXX  advised the check was cashed by chase. I immediately called chase asking where my funds were. They said they will issue a cashiers check. I still have yet to receive my funds. Every time I call the customer service department someone tells me something different but I still do not have my {$53000.00}! I need help recovering my money. Chase stole this money from me and will not give it back. Their reps are not knowledgeable at all! Please help me recover my funds!
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion has not allowed me access to my free credit report for well over a month now which is a clear violation of the FCRA. By law Im afforded a free copy throughout the remainder of the year. That report should be allowed to be accessed online, I have not broken any laws