davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WAKEFIELD & ASSOCIATES, INC. (VA)

The FCRA states that the credit bureaus must verify all information that they get from the banks, credit card companies, etc., before putting it on your credit report. 

What the CRAs must have is the ORIGINAL SIGNED DOCUMENT from when I opened the business account that is posted on my credit report. 

Section 609 of the Fair Credit Reporting Act states that I should be sent the ORIGINAL SIGNED DOCUMENTS in order to verify if the accounts are valid.

Since they have not sent me such documents they are obligated under the Fair Credit Reporting Act to delete those unverified accounts. 

Therefore, I am requesting that these accounts be deleted from my Credit Report Agencies. 
-XXXX XXXX -XXXX XXXX related to this complaint : Account # 1 : Collector : WAKEFIELD & ASSOCIATES XXXX Last reported XX/XX/2019 {$630.00} Open balance UNIV OF XXXX XXXX Original creditor Account # 2 : Collector : XXXX XXXX XXXX Last reported XX/XX/2019 {$450.00} Open balance 12 XXXX XXXX N A Original creditor Account # 3 : Collector : XXXX XXXX XXXX Last reported XX/XX/2019 {$170.00} Open balance 11 XXXX XXXX Original creditor
Consumer complaint received 2019-10-11
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (GA)

On XX/XX/XXXX, I APPLIED FOR A STORE CREDIT CARD WITH XXXX WITH A BALANCE OF {$1800.00} FOR A PROMOTIONAL PERIOD OF 12 MONTHS @ O % INTEREST. UPON LOGGING INTO MY ACCOUNT TODAY ON XX/XX/XXXX MY BALANCE REFLECTED AN INCREASE IN XXXX IN FINANCE CHARGES AND INTEREST FOR A NEW BALANCE OF XXXX. I HAVE MADE MONTHLY PAYMENTS ON THIS ACCOUNT FOR 12 MONTHS NOW OF AT LEAST {$160.00} AND SHOULD HAVE A VERY SMALL IF ANY BALANCE LEFT. WHEN CALLING THE CARD ISSUER TODAY I WAS INFORMED THAT THE NEW BALANCE REFLECTED IS DUE TO FINANCES CHARGES AND INTEREST ACCRUED FROM THE BEGINNING OF THE PLAN START DATE. THIS IS MISLEADING INFORMATION THAT WAS PROVIDED TO ME UPON SIGNING UP FOR THIS OFFER AND HAD I KNOWN THIS PREVIOUSLY I WOULD HAVE MADE SURE THIS HAD A XXXX DOLLAR BALANCE ON XX/XX/XXXX. FURTHER MORE, I HAVE NOTED A ACCOUNT ASSURE CHARGE PLACED ON MY ACCOUNT THAT I HAVE NOT SIGNED UP FOR AND HAVE NO NEED FOR AS I HAVE BEEN GAINFULLY EMPLOYED WITH NO RISK OF UNEMPLOYMENT. I BELIEVE THIS WAS PLACED ON MY ACCOUNT FRAUDULENTLY AND AGAIN SHOULD BE INVESTIGATED FURTHER AS IT HAS PREVIOUSLY BEEN SETTLED IN A FEDERAL LAWSUIT.
Consumer complaint received 2019-07-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TD BANK US HOLDING COMPANY (MO)

Hello I requested a 2 month extension 12 months ago ( XXXX ) and was told I can request again this year. I told after XXXX XXXX XXXX payment posted I could request 2 month extension. On the call I told representative that I need it for repayment of state taxes. I was told the manager will only approved 1 month. I was told that taxes doesnt qualify, but was what I advised them same issue last year when requested 2 month extension XXXX. I asked for supervisor XXXX told me there policy never changed its one for natural disasters to get the extension. The supervisor said she was the manager when I asked for a manager. Also stated also was no manager on the floor, but she was the manager. I asked her to review last year call and she refused said can not speak for the other representative but she is supervisor and manager. she told me taxes doesnt qualify because we all pay taxes. I feel was treated unfairly and believe that are offering or giving extensions bae on their own personal decisions. I did get 1 month extension only. I was piput back on phone with XXXX the original rep what told me u can only pay with debit card, when last year I paid online with check. I believe they are participating unfair workflow. 



I understand extensions are a courtesy but they need to be consistent on their policies. I would like my account to be reviewed from last year extension and this year. Also should be reviewed.
Consumer complaint received 2019-07-11
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. (CA)

Re : Request to describe method of verification To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$4000.00}, {$7600.00}, {$9000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7600.00} -This is not my account. 






-COLLECTIONS- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9000.00} -This is not my account.
Consumer complaint received 2019-10-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (NJ)

On XX/XX/2019, PNC Bank was provided with illegal garnishment papers from a XXXX XXXX XXXX on behalf of XXXX XXXX XXXX, who through illegal channels and without proper written notification to me filed documentation with Superior Court of New Jersey, XXXX County, Special Civil Part. PNC Bank is insisting on holding the funds in my account until I resolve the issue of this illegal garnishment.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

I started my investigation on my credit report back on XX/XX/XXXX. I submitted my letters to the credit bureaus and have attached a copy showing that I had requested to have the collection accounts removed. I had sent the information through priority mail next business day and they received it as of XX/XX/XXXX. I had also requested to have incorrect names and addresses removed from my report. XXXX never responded to my initial claim, XXXX never responded, Equifax sent me a letter confirming the activity on my account on XX/XX/XXXX but never ran an investigation on my report. I sent a second letter asking to for an investigation to be completed back on XXXX XXXX 30 days later. I got a letter from XXXX on Monday the XXXX of XXXX saying they had completed my investigation and they had not seen fit to reopen the investigation. They have updated the results of their investigation to remove one collection account for XXXX. To date the other 2 bureaus have not removed anything. I had 4 collection accounts registered to my name ( XXXX, XXXX, XXXX XXXX XXXX XXXX ). I also had incorrect spellings on my official names and in the letter I sent them it shows my official address that I have lived in for almost 4 years. I can verify the data they have on my names and addresses are incorrect. I have asked for statements or documentation proving the collection accounts are valid and have yet to get any data.
Consumer complaint received 2018-06-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XX/XX/XXXX at XXXX XXXX  I was served with papers from XXXX XXXX   XXXX, XXXX on the 2nd page of the summons it states prayer amount ... What is a prayer amount? then it shows a statement from XX/XX/XXXX-XX/XX/XXXX then another one from now-XX/XX/XXXX where are all my statements in between those months? they keep sending me letters to which I respond to and they state I have not. In XX/XX/XXXX I paid all my debts off with trust money due to death of a parent. why is it now portfolio recovery is coming at me 3 years later?
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Its me again, my name is XXXX XXXX XXXX, I have been reporting issue for half years already, and today I just confused about the privacy issue that should I opt in or opt out since the difference explanation about advice from different people, they told me I should sell my information because otherwise other people cant find me, today they told me I shouldnt because that protect my information that I dont get scam, so should I? Im very confused who should i trust. Also I saw on my credit report their are some problems but I also dont want make mistake that I dispute the right information, so Im afraid that I made mistakes again. Now I even afraid to touch any of my phone settings. Please help me and also I dont have any credit card or debit card to use, I dont know why the issue keep happening on me and then its been a recycling problem. Also I read all the post and make me more confused, please just give me a clear explanation and not a big paragraph that make me more confused and same problem the link take to me far and far away. In the end I dont know what Im doing. Please I dont know what to do
Consumer complaint received 2021-06-15
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SUNRISE CREDIT SERVICES, INC (MO)

On XX/XX/XXXX, XXXX I received a call from Sunset credit services. Violating the Fair debt collection practices Act & Fcra. They have committed 4 individual actions ( violations ). 15 usc 1692b ( 2 ) was violated 2 times. 15 usc 1682d ( 2 ) was violated. 15 usc 1692c ( 1 ) was violated. I do not owe any debt. 15 usc 1692k you are liable for damages. this allege debt is unverified/inaccurate. Also violates the Fair credit reporting act. I do not owe any debt.
Consumer complaint received 2019-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

Account Number : XXXX I'd like the 9 charges of $ XXXX  monthly maintenance fee to be removed, and the amount returned to my account. 

I signed up for a promotion, and did not receive the promotion. I also did not receive my statements. I moved in XXXX, and just recently received my statements for the past 9 months. I updated my address for this account. 

Thank you, XXXX
Consumer complaint received 2019-09-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIRST REPUBLIC BANK (NY)

This bank doesnt offer latest card technology contactless like other banks I wish they did they only offer chip which is so old it makes the checkout longer if they had tap card it would be faster I called to inquire and they were rude to open an account I asked if they plan on having this technology they said no
Consumer complaint received 2024-02-15
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/year>, I had requested to be removed as an authorized user on 3 accounts with Synchrony Bank, i was told that I would be removed and a letter would be sent to me. It is XX/XX/year>, I have yet to receive confirmation so I called them again and this time I was denied because I am not the owner. I have had no problems removing myself as an authorized user on other cards, for example XXXX had me removed and off my credit report within a day. Now synchrony is telling me that I have to wait until XXXX! This makes no sense and is totally wrong. I should be able to have this removed on my own with no problem, but it seems with Synchrony it is a problem.
Consumer complaint received 2019-07-11
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. (NJ)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2018-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I closed and transferred my XXXX XXXX account to Capital One 's checking account. All of my funds are now in the hands of Capital One and they will not let me access my funds. This is causing serious problems for me and they have yet to resolve my issue. I've called multiple times and I keep getting transferred to a security desk where I'm only allowed to leave a voicemail. Nobody has even made an attempt to call me back. This needs to be resolved. I feel like Capital One has stolen my money.
Consumer complaint received 2023-02-10
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. (NJ)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-10
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneousThe XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance {$4800.00}.
Consumer complaint received 2019-03-12
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: Blackhawk Network Holdings Inc. (CA)

purchased a {$100.00} VISA GIFT CARD on XX/XX/2019 at XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX CA XXXX ( XXXX ) XXXX. When my son tried to use the card, it failed between XX/XX/XXXX and XX/XX/XXXX for an online media purchase form our home in XXXX CA XXXX the card failed. I checked via the automatic phone number on the card, and the card balance showed {$0.00}. On the VISA CARD web page, I found that the same time i purchased the card, the card was shown to be activated at a different store in a different town. The card was activated, then the entire balance withdrawn, at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX. I reported this to XXXX   XXXX. and to XXXX. The stores directed me to file a theft report with the local law enforcement. The local law enforcement offices could not take a report for this as this was theft via media. VISA does not have a consumer line for GIFT CARDS and are unresponsive. 

CFPB referred my case to BLACKHAWK NETWORK. BLACKHAWK NETWORK did not issue me a refund. They added another {$100.00} to the Gift Card, which as I have reported, is being used by thieves. I can not use the Gift Card. The company has just handed another {$100.00} to whoever stole access to the Gift Card. 

Please refer to CFPB case # XXXX. All attachments are relevant as this is the same case. My complaint hasn't been resolved. Also, as I reported, there was no means to communicate with BLACKHAWK NETWORK as the Gift Card access site s for VISA.
Consumer complaint received 2023-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I investigated my credit report, I realized that some of the information was erroneousThe XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance {$4800.00}.
Consumer complaint received 2021-02-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Credit Management Inc. has contacted me via telephone and contacted me via mail about a debt owed by another company not related to midland credit management Inc. There was no valid contract between me and Midland Credit Management Inc. They have not file suit in the state of Virginia in the XXXXXXXX XXXX XXXXXXXX, VA the amount of {$1000.00}. I wasn't properly served the Debt in Warrant paperwork and not being forced to go to court for a debt I do not owe to Midland Credit Management Inc. They are now reporting this information to all 3 credit bureaus and damaging my reputation and credit.
Consumer complaint received 2019-03-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/XXXX I tried to use XXXX with my bank Capital One to send funds to my daughter. I entered my daughter 's email and XXXX accepted it and took money out of my account. Afterwards it realized that the email address was not registered and now it will take 3 days before the funds are transferred once the email address is registered. How about they check the email address before taking the money from my bank account? 

When I called to cancel the transfer and get my money back so I could use another transfer service they said it was not possible to cancel the wire transfer.
Consumer complaint received 2019-07-10
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. (FL)

XXXX XXXX XXXX  In XXXX XXXX XXXX I notified customer service that I'd been directly impacted by Hurricane Irma and both my county of residence ( XXXX ) and employment ( XXXX ) had been federally declared National Disaster Zones. XXXX XXXX XXXX offered an assistance program to place my account in forbearance between XX/XX/2017 - XX/XX/2017 during which time payments would not need to be made, interest wouldn't accrue, late payments wouldn't be assessed and negative credit reporting would not occur. 

When billing reoccurred I disputed amount owed because it contained late fees and accused interest for forbearance period. I have disputed this reporting with XXXX XXXX, XXXX, Transition, and XXXX to no avail. This time period should not report as late, past due, or negatively impact me.
Consumer complaint received 2018-05-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

I am losing my home. My home became default for less than {$50000.00} dollars. I was trying to keep my property by way of loan modification or reverse mortgage. However, the current lender has not assisted me. So I have entered into contract to sell my home. All I needed was a postponement of the auction sale scheduled for XX/XX/XXXX until XX/XX/XXXX the date of my closing. The lender has declined. 
Please note that me " as is Value '' of my property is at least twice the debt that is owed on the mortgage. I don't want to lose my equity in the property at the auction. I received a payoff only good to XX/XX/XXXX. I requested another payoff but have not received it from lender. I never received a face to face with my lender.
Consumer complaint received 2023-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-15
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)

I paid this account in full on XX/XX/2021. The account is still showing closed derogatory on my credit report when it should be reporting closed paid on full. Ive disputed it with the credit bureau and they dont update the status or information.