davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
5 U.S.C 1681 section 602 A. States I have the right to privacy.

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written structions 5 U.S.C 1666B : A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any prFost
Consumer complaint received 2022-03-02
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. (CA)

In XXXX of XXXX my Mortgage Servicing was transferred to XXXX XXXX XXXX servicing My new Act. # was XXXX. I was previously under a forbearance with the prior servicer XXXX XXXX  Act. # XXXX. I contacted XXXX by phone i Early XX/XX/XXXX. I was due to make first trial payment on a flex modification which had been offered with XXXX and was told by XXXX XXXX XXXX that I could not make a payment before all of the paperwork transferred. XXXX also would not honor the previous Flex XXXX for which the first payment was due. I was told a new Flex Mod. would be offered by XXXX. I was also told there would be no negative credit reporting for 60 days under the RESPA Act. so there was time to get everything on track. On XX/XX/XXXX they offered the modification with the and my first trial payment was made on XXXX XXXX The due dates of trial payments were as follows : First payment : {$1300.00} by XX/XX/XXXX Second payment : {$1300.00} by XX/XX/XXXX Third payment : {$1300.00} by XX/XX/XXXX All payments were made prior to due dates. 

Despite the Respa protections and despite my being in the process of receiving a federally backed Flex Modification due to hardship caused by coronavirus XXXX reported the loan as 120 days past due for the Months of XXXX, XXXX and XXXX of XXXX, This reporting is counter to the requirement of the Cares ACT SEC. 4021XXXX CREDIT PROTECTION DURING XXXX. This Act states that during the period of an Accommodation a borrowers account shall be reported as current the text is below. 

( ii ) REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current I am attaching the Modification Offer, a copy of 4021 of the cares act and my Credit Report. I am also sending the final paperwork completed in XXXX of the successful Modification.
Consumer complaint received 2022-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Ive been with Capital One for over 10years. I have XXXX cards. The XXXX card ( opened XX/XX/XXXX ) has an interest rate of 19.90 % plus a {$59.00} annual fee. This card was sold to Capital one years ago and they will not remove the annual fee or lower the interest rate which I ask twice a year for over 10 years. The annual fee Im not sure how they can charge for a fee from another company. That disclosure about the fee is not with capital one but the old company. The second card ( opened XX/XX/XXXX ) was an original Capital one card with an interest rate of 22.90 % with no annual fee. I dont understand how after all these years as a loyal company they will not lower my rates or remove an annual fee that Capital one doesnt even charge and is from another company. I feel XXXX XXXX for years have been doing unfair credit card practices with the large rates and annual fees. No one can ever explain how in years my rate has never been lowered. All the Managers I speak with brush me off saying its nothing that can be done. Both my XXXX XXXX card rates are 12 % & 8.99 % with higher limits, so its no way I should have such large rates with Capital One. Ive also submitted a complaint with the XXXX a few years ago and nothing happened. Please make them responsible for these unfair practices.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to address some inconsistencies that I have identified in my personal credit report. These inaccuracies are having a significant impact on my financial standing, particularly in relation to my ability to own a home. While I understand that errors can occur, I have researched the dispute process and am aware of the required investigation time-frame of thirty days The other bureaus have already removed these accounts from their records, following the submission of my FTC report citing the identification of an error. I am puzzled as to how these accounts were verified by your bureau while other bureaus have successfully removed them. Therefore, I request the immediate deletion of these accounts from my file as they are inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXXXXXX, XXXX  XXXX
Consumer complaint received 2022-03-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/XXXX I went into a Truist branch to close my Suntrust account after being locked out of my debit card while out of town. At first the teller was super nice and helpful until I handed over my Suntrust debit card and she rolled her eyes and refused to withdrawal all money available and close my account because I may have pending charges coming through. I withdrew the amount she would allow me and she told me to expect to be charged. I just want wants left in my account so I can fully move on to another financial institution.
Consumer complaint received 2020-12-15
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: SYNCHRONY FINANCIAL (TN)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, XXXX, XXXX XXXX, on XXXX. XXXX, XXXX, SYNCB and on XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2023-03-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NJ)

This complaint is against Chime. I was an active consumer of their product for a little over a year, up until XXXX of XXXX. This is where the first issue arose with their bank. I woke up to {$1400.00} missing from my account. I immediately disputed the transactions as they were not made by me. I received an email from Chime stating that no error had occured, and the dispute was closed in less than a week, before I had a chance to even submit my documentation. I then requested the documents they used as evidence for their investigation, and was never provided them. After going back and forth with them, the claim was reopened. Around 3 months later in XXXX, XXXX, I received an email stating there was indeed an error, and my money was returned. After that, I stopped using this bank account because I could not trust them to correct this situation in a timely manner, and having to wait months for that amount of money could be detrimental to someones livelihood. It left me wondering, why not ( like other banks ) issue a credit during the investigation? Anyhow, fast forward to XXXX, XXXX. Somehow, the IRS used my deposit info from an old tax return, and my current tax return was sent to the Chime account I had not used in over a year. I did not even have the app installed. About a week later, I notice an email regarding the deposit. I reinstall the app, login to my account, and see that the money is already gone, this time in the amount of {$2300.00}! Again, I immediately dispute the transaction, explain the situation, show the clear account inactivity, and show my actual tax return documentation proving that the return should have never been sent there. Once again, I am immediately met with a response that no error occured and the dispute was closed. So, just as last time, I requested the documentation they used in their investigation, and as expected, have yet to receive anything. So this is the second time disputing a meaningful amount of money on an unauthorized transaction, and the second time being met with immediate resistance, and no support. I have been bounced between a number of support agents who repeat the same scripted response. I have asked for a supervisor multipled times, and have yet to be provided with one. This situation is more dire than the last, it is a higher amount, and my current situation left me relying on that to pay my rent, which I am now unable to do because once again this bank is showing signs of unethical business practices. They violated US Treasury regulation E already with their email response, and have been held accountable for that multiple times in court already. I would rather not have to file a lawsuit, and would like them to actually assist their customers. This situation could have been handled with a temporary credit while they complete the investigation, rather than possibly pushing one of their customers into being homeless.
Consumer complaint received 2022-11-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I understand that I had promised to pay XXXX {$10000.00}. I was paying on this for 10 years and 7 months faithfully. I was attending XXXX XXXX through XXXX XXXX who was doing money laundering schemes and tricked many of us students into paying such high fees, which this link shows hard evidence : ( https : XXXX ) however, also, I read over the contract during a complete forensic evidence procedure, and I found that the contract has a few defects, and they may be in violation of ( U.S. Title 18 1001 ), where it states whoever in any matter within the jurisdiction of the executive, legislative, judicial branch of Government of the United States, knowingly and willfully falsifies, conceals, or covers up by any trick, scheme, or device a material fact ; makes any material false, fictional, or fraudulent statement or entry shall be fined under this title or imprisoned not more than 5 years. I want to get this taken care of. It is not my intention to not pay anything. I want to get this settled, so If they can kindly get back to me within 10 days with a fixed copy of the contract and a copy of their account ledger, where I can see clearly the GAP according to The Fair Debt Collection Practice Act. That would be great! I also noticed that I'm the only one who signed the supposed contract ; there is no other signature, which is also a violation of UCC Section 3-401- Where there is no signature the contract is void. So, again, i'll accept their presentment if they can get me what I asked for above within 10 days. If not, they agree the terms of the supposed contract is void. But If they get back to me with the information i asked, they agree I'll settle the matter with a promissory note. Without XXXX, XXXX XXXX
Consumer complaint received 2022-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

I met an online Bitcoin investor/miner on XXXX ( XXXX ). He said he lived in the XXXX, was widowed, and had a son. This all happened XXXX XXXX XXXX, when bitcoin was peaking at its highest. Within a week of chatting and mentoring about bitcoin, he suddenly " got COVID. '' At this point we had built a friendship/mentorship so he asked for " my help. '' He asked for my personal information which he evidently used to gain access to my online banking. He said the personal information was required to onboard me to his business. My personal information including a picture of my ID, my social security number, account information to start investing. He started moving money around to different accounts and having checks deposited into my accounts. All the checks bounced that had been deposited so I raised concerns with the scammer, and he went ghost. Thats when I realized this whole thing was a scam. I was victim of cyber fraud and Citibank is not taking appropriate action to replace my lost funds. I have approximately lost more than {$20000.00} from this online scammer. I have provided multiple proofs of documentation including a police report ( which I can provide a copy of ), sent a email to XXXX about the scammers account being fraud. I also went ahead and filed a Federal Trade Commission Identity Threat Alert on my Social security number. I have copies, screenshots, and receipts with this online scammer that I can provide proof of. I opened a claim with Citibank for all of the fraudulent charges and they denied them.
Consumer complaint received 2022-03-02
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. (GA)

I have a charge off account from XXXX XXXX on XX/XX/XXXX that has been reporting inaccurately. At the time of the charge off reporting I was going through the settlement process for my vehicle being defective. I was no longer in possession of the vehicle, however the dealership sold it to another consumer without noting the defects and then close my account out as a early lease termination. I was advised by XXXX settlement team to leave the vehicle at thus local dealership in XXXX XXXX California in XX/XX/XXXX. In XX/XX/XXXX I was reimbursed by XXXX XXXX & the FCA as the vehicle was a lemon. They did not process the buyback correctly and instead wrote it off as a charge off on my credit report. I have given everybody copies of the release agreement as well as copies of the settlement check. However, three years later it is still reporting on my credit card resulting in me getting disapproved for financing. Additionally I have given this information to XXXX, XXXX XXXX, and Experian who have not taken action Everybody is pointing their fingers at each other and sending me in a three-year loop. There should be no question as I have documentation from my FCA case
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (CA)

In XXXX of XXXX my Mortgage Servicing was transferred to New Rez-Shellpoint Mortgage servicing My new Act. # was XXXX. I was previously under a forbearance with the prior servicer XXXX XXXX Act. # XXXX. I contacted Shellpoint by phone i Early XX/XX/XXXX. I was due to make first trial payment on a flex modification which had been offered with XXXX and was told by Shellpoint Loss Mitigation that I could not make a payment before all of the paperwork transferred. Shellpoint also would not honor the previous Flex Modificaiton for which the first payment was due. I was told a new Flex Mod. would be offered by XXXX. I was also told there would be no negative credit reporting for 60 days under the RESPA Act. so there was time to get everything on track. On XX/XX/XXXX they offered the modification with the and my first trial payment was made on XXXX XXXX The due dates of trial payments were as follows : First payment : {$1300.00} by XX/XX/XXXX Second payment : {$1300.00} by XX/XX/XXXX Third payment : {$1300.00} by XX/XX/XXXX All payments were made prior to due dates. 

Despite the Respa protections and despite my being in the process of receiving a federally backed Flex Modification due to hardship caused by coronavirus Shellpoint reported the loan as 120 days past due for the Months of XXXX, XXXX and XXXX of XXXX, This reporting is counter to the requirement of the Cares ACT SEC. 4021. CREDIT PROTECTION DURING COVID19. This Act states that during the period of an Accommodation a borrowers account shall be reported as current the text is below. 

( ii ) REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current I am attaching the Modification Offer, a copy of 4021 of the cares act and my Credit Report. I am also sending the final paperwork completed in XXXX of the successful Modification.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC (CA)

The Milestone credit card account ending in XXXX was closed due to identity fraud. I also requested the hard inquiry dated XX/XX/2023 on my XXXX XXXX report be deleted. Since the entire record of the credit card account HAS been deleted from my report, the HARD inquiry needs to be removed too. Milestone did remove the account but has not removed the inquiry.
Consumer complaint received 2024-03-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MO)

Credit breau refuse to remove reporting creditor off report after several disputes made and no response back with in 30 days from the creditor with the correct information that was requested per the Fair Credir Reporting Act FCRA. Creditor sends statements to address requesting payment with 3 party phone number to contact and pay
Consumer complaint received 2023-03-26
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)

Account name : # XXXX XXXX XXXX XXXX  Account name : # XXXX Account name : # XXXX XXXX XXXX XXXX Account name : # 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 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 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX, DEPT OF EDUCATIONXXXX, XXXX XXXX, XXXX LA, XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX CHECK INTO XXXX  XXXX  XXXX  XXXX  XXXX XXXX
Consumer complaint received 2024-05-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc. (CA)

I submitted a loan on XXXX and it had been over a month and I still didnt get a decision. Plus, when I contacted them, they re-ran my credit yet again when I did not reauthotize a second time which is now on my credit report
Consumer complaint received 2022-03-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2022-03-02
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. (DE)

" I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.