davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-23
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (CA)

To whom it may concern : Subject : Credit Card Decline Letter XXXX XXXX XXXX XXXX ) I am writing to dispute the following information that XXXX  supplied to Comenity Capital Bank. 

I XXXX XXXX applied for XXXX XXXX XXXX/Comenity Capital Bank on XX/XX/2021, as you view the attached letter dated XX/XX/2021 Comenity Capital Bank was unable to continue processing my application until I contact them directly to verify information. 

Upon receiving the letter, I contacted Comenity Capital Bank on XX/XX/2021, to the best of my recollection, I was asked the following question : full name, date of birth date, social security number, home address which I provided via phone. 

On that note I received a second letter from Comenity Capital Bank dated XX/XX/2021, which states Comenity Capital Bank was unable to approve application for XXXX XXXX XXXX reason : Comenity Capital Bank was unable to verify my identity using ( XXXX  XXXX. 

On XX/XX/2021, I filed a dispute with XXXX online asking for removal of the hard inquiry XXXX XXXX XXXX Comenity Capital Bank due to inaccurate information being reported via XXXX  to Comenity Capital Bank XXXX 

Completed dispute ( XXXX  XXXX Confirmation Number : ( XXXX ). According to XXXX  I would have to contact Comenity Capital Bank to remove the hard inquiry. 

After contacting Comenity Capital Bank on XX/XX/2021, to remove the hard inquiry representative stated I failed the security question ( s ) on XX/XX/2021, to the best of my recollection I provided my full name, date of birth, social security number, and home address. 

Apparently, XXXX  has inaccurate information on my credit report which serves as the basis for obtaining credit card decision, so it is conceivable that inaccurate data led to me being mistakenly declined and I truly believe human error occurred on behalf of Comenity Capital Bank while verifying my identifying via phone on XX/XX/2021. 


Sincerely XXXX XXXX Attached : *Verify Identity Letter XXXX Comenity Capital Bank ) *Verify Information Letter
Consumer complaint received 2019-07-22
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. (NY)

There are two accounts on my credit report that do not belong to me. I was incarcerated during the time these accounts were open so they are identity theft. I complained with local authorities and the FTC. These 2 items must be removed immediately! 

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$0.00} Balance 2. XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$11000.00}
Consumer complaint received 2019-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I pulled my credit in XX/XX/XXXX and discovered Capital One had reported many late payments on my credit file. I called them, and they found that billing statements had not been sent to my house nor had my online profile been properly setup, so I wasnt getting the correct information. As a result, they agreed to remove XXXX and XXXX inaccuracies and investigate the remaining negative reporting. I called today to follow up and they are not willing to fix the other late payments to this account. All the late payments from XX/XX/XXXX until this year should be updated as paid as agreed. I am filing a complaint to the CFPB since Capital One has failed to honor the agreement to get these items fixed.
Consumer complaint received 2019-07-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

Remodification of complaint ID # XXXX, a sale date on my house had been XX/XX/2019, and there is a portion of four-page of my attorney motion to vacate the final judgment, and the balance is needed it would be sent. 
XXXX XXXX.
Consumer complaint received 2018-12-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital One, has been told in XX/XX/2017 that I am filing bankruptcy. 
They were also told by my attorney. 

I keep getting calls as they put my accounts into collections. 

Every few months, XXXX calls me ( the collector ) And again, I tell them the same thing, along with my attorneys info they dont stop calling me
Consumer complaint received 2023-04-01
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 (TX)

I made a purchase online with XXXX XXXX XXXX XXXX for {$310.00} and {$14.00}. I returned entire order to company but they refused to pay me my refund. I put dispute in with Capital One. Once decision was made by Capital One to chargeback {$310.00}, one of the two purchases, I uploaded letter to Capital One dispute department on XXXX. Included with letter was all the emails, purchase order, XXXX letter, and Return policy. 

Capital One replied that I was denied due to XXXX XXXX XXXX said they had " Confirmation showing No Cancellation policy received ''. I called Capital One to tell them that was not true and to refer to the emails XXXX XXXX XXXX sent me confirming they would refund my money once order was received as well as to look at my purchase order showing nothing about Cancellation policy, only the return policy. Capital One replied, " at time we began an investigation into your dispute and requested information from you. While we have received your response to this request, it lacks all of the previously requested information needed to validate your dispute. Unfortunately, based on the information we have, we are unable to assist with your claim.If you still want to dispute the charge, please contact the merchant and work directly with them. At this time, we consider your case closed. '' I then emailed XXXX XXXX XXXX asking for a copy of the Cancellation policy. Their reply was a link to the Return Policy. So I sent in another letter to Capital One along with XXXX  XXXX XXXX XXXX reply email, not being able to show me Cancellation policy. I was denied again by Capital One. 

Why isn't Capital One asking XXXX XXXX XXXX for a copy of their Cancellation policy? 
And, why did I get refunded for {$14.00}, but not {$310.00}? 

So end result, Capital One denied my dispute to refund me for remaining balance, {$310.00} to my Capital One Quick Silver Credit Card. I have also filed a complaint on XXXX XXXX XXXX with California State Attorney General and trade commission. 

Thank you for your time,
Consumer complaint received 2022-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (AL)

This is XXXX XXXX submitting this CFPB Complaint requesting to immediately remove this account from my Credit File. The Account NAVY FCU is reporting on my personal credit file with XXXX and XXXX credit reporting agencies. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX  ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
XXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened:XX/XX/2018
Consumer complaint received 2019-07-22
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: AMERICAN EXPRESS COMPANY (FL)

I am a long time customer of American Express. For nearly ten years. I had a {$15000.00} credit line with them. At the end of last year, I utilized my credit line. Immediately XX/XX/2019, I was sent a notice that my credit line was being reduced to {$13000.00}. I have never been late once with American Express or any other credit card company. I reduced my balance responsibly to conform with the reduced credit line. On XX/XX/2019 I received another email reduction of my credit line, in the middle of my shopping to {$12000.00}. No advance notice and nothing. I called American Express this morning and I was informed that my account is reviewed every six months and that they review my credit score and financial dealings with all my creditors. That they have the legal right to do so. I have done research on this and I understand that they have this legal right, BUT, this is wrong. My approved credit line with American Express should only be reduced if I missed a payment or did something wrong. I also feel that my privacy as an American Citizen is being violated. They should not have the right to continuously review my credit report or financial transactions. Consumers need protection from large companies like this. The American Express rep. kept saying that this is legal. It may be legal, but it is plain wrong and an infringement of my privacy. They should not be allowed to randomly without notice change the terms of their offer of credit.
Consumer complaint received 2018-03-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC (FL)

I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
Consumer complaint received 2023-04-01
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. (LA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} LA XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$820.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX  XXXX Balance : {$400.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-07-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: APEX Asset Management, LLC (NJ)

We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 



YOUR COMPLAINT Today on XX/XX/XXXX I received a letter in the mail from Apex Management for services rendered on XX/XX/XXXX from XXXX XXXX and XXXX in the amount of {$130.00}. Stating that they have received my {$30.00} payment. The {$30.00} that was sent to them was for a bill that I had received on XX/XX/XXXX regarding XXXX XXXX of XXXX XXXX, with acct # XXXX However the {$30.00} was applied to XXXX XXXX  and and XXXX Acct # XXXX and should have been applied to XXXX. I also wrote the acct # of the bill sent by Apex on the check. I Called the office the office to try and explain, I was hung up on twice. After being hung up I tried again and asked to see if there was corporate office or a supervisor to help resolve this issue, I was told no and again hung up on. on XX/XX/XXXX I now received a new bill from Apex applied my XXXX to another bill that I don't even have proof that is even my bill. I have never received any bills from XXXX XXXX and XXXX # XXXX. I asked in writing for documents of proof for this bill with my signature via mail.I believe that XXXX applied my money to another account that does not belong to me and if it is truly my bill it is out of the statue of limitations and they applied it to the other account to try and show a date after the statue of limitation has run out. On XX/XX/XXXX I was again billed for XXXX the bill that I've already paid on XX/XX/XXXX under acct # XXXX this time they sent the bill same client reference # XXXX same amount but with a different acct # this acct number isXXXX. I believe that I am a victim of unfair practice by Apex Management .I am also Diaputing the debt for XXXX  XXXX and XXXX. This is eight year debt and I have no proof that this is my debt.
Consumer complaint received 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I was a member of the government shut down, I asked that late payments be removed due to that fact. XXXX XXXX denied my request and closed my account after I paid it off due to having another past-due account. The bank sold the account to a third-party company ( XXXX XXXX ) that keeps putting the debt on my credit as well as the bank. It says the account was opened XX/XX/2017 ( 1 yrs, 9 mos ), I never signed any contracts with XXXX XXXX.
Consumer complaint received 2019-07-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (NC)

Had an unknown person arrive in property saying that there was an urgent matter that I had not been intouch with mortgage company and for me to contact company. Attempted to contact company was hung up on 2 times during conversation with 2 different reps. Also was told by second rep I was nick picking with the words. But if I am trying to get accurate information, I need accurate information. In a court of law accurate information is very important. In the world accurate information is important for all things not just business. I am not receiving accurate information from mortgage company. They are not sending out accurate information. Contact is impossible when they put you on hold for hours, they will not answer the phone, when they do they hang up on you. The reps are rude, and dont provide accurate information or take accurate information. If you cant communicate then nothing gets resolved, end up on a hamster wheel cycle.
Consumer complaint received 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

For 2 years I have paid my monthly bill on time and in full. Recently was in between jobs and had a gap where I was able to make weekly payments instead of one time monthly fee. 

XXXX Payment was reported for being late even though payments were being made XXXX, XXXX, XXXX, XXXX, XXXX, XXXX I also answered phone attempts by XXXX XXXX during this time period where representatives agreed verbally on a recorded line to give me one week to complete my payment which would have taken me over the 30 day mark, those payments were made and paid in full.
Consumer complaint received 2016-11-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: State Collection Service, Inc. (WI)

I hired a public defender and was required to pay XXXX dollars. I filled out a form that they say was never received to give me an extension due to no work or reduced hours. I tried resolving this with the company and even called someone in the courts. Now because the time elapsed I owe XXXX dollars and this is on my credit report. I told them I have no problem paying the XXXX or even half of the XXXX, but they would not work with me. The collection company is called State collection services in XXXX, WI.
Consumer complaint received 2022-01-11
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. (TX)

Experian, XXXX, and XXXX refuse to move public records off my credit report. I submitted my dispute on XXXX and Experian XXXX, and XXXX had my results on XXXX. They didn't reinvestigate anything. I asked for the contract with my signature on it. They failed to send me any information validating where they received their information from. I submitted a letter from the XXXX court stating they don't report or validate anything to the credit bureaus. I asked that Experian XXXX, and XXXX remove this public record off my credit report asap. My race and age is playing a big part of Experian XXXX, and XXXX unfairness. I have submitted all the proof they need several times. I need this issue resolved asap. Experian XXXX, and XXXX is very XXXX and doesn't put accurate information on certain people credit report.
Consumer complaint received 2023-04-01
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$1700.00}
Consumer complaint received 2022-10-06
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. (NC)

In accordance with the Fair act XXXX Account number XXXX and XXXX, the 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-02
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. (NY)

On XX/XX/2022 I sent a letter for inaccurate accounts on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate these accounts gives me a reason to immediately repair the accounts from my credit report, they should be promptly corrected. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please update and correct my accounts right away. 

XXXX XXXX  XXXX. XXXX, XXXX XXXX
Consumer complaint received 2023-04-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Byrider Franchising, LLC (TX)

Since XX/XX/2020, we not only as a country, but the world has been affected by Covid. I had still managed to pay but note. But after multiple requests from XX/XX/2020, until now, the company has ignored the CARES act in offering assistance with my loan. I have spoke to over 20-30 agents. For a while it was literally someone new every time once my original account manager left. She was amazing! Her communication, humanity was unspeakable. I will commend XXXX I believe as well. This whole ordeal has been a nightmare.
Consumer complaint received 2022-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX