davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TN)

I am submitting this CFPB Complaint to dispute an unauthorized inquiry that has been reported on my Equifax Credit File. The inquiry in question appears to be completely unfamiliar to me, and I have no recollection of ever initiating it. I am not aware of any dealings or transactions that could have led to this inquiry, and I believe it was made without my consent or authorization. As a result, I demand Equifax the immediate removal of this unauthorized inquiry from my Credit File. If Equifax claim that this inquiry is valid and yours, I request Equifax to provide substantiating evidence to support Equifax ' claim. However, if Equifax are unable to provide any evidence of my authorization, I insist that Equifax remove this inquiry promptly : XXXX XXXX XXXX XXXXXX/XX/2023. This inquiry is not affiliated with me, and I have not received any money, goods, or services as a result of this unauthorized inquiry. Neither have I authorized these inquiry. I demand that this be immediately removed from any affiliation with me.
Consumer complaint received 2018-08-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Guidiville Indian Rancheria (FL)

I believe that the loan I have with this company is illegal in the State of Florida and may be considered predatory lending. The original amount financed is {$1200.00}. APR is 647.79 % with a total finance charge of {$6000.00} over the life of the loan, spread across 20 ( twenty ) semi monthly payments of {$360.00} which began on XX/XX/XXXX. Most recent payment made was XX/XX/XXXX and the last payment is scheduled for XX/XX/XXXX. Payments are being debited from my XXXX XXXX checking account via ACH, and I have recently revoked my ACH debit authorization.
Consumer complaint received 2019-07-15
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: EQUIFAX, INC. (GA)

My account with XXXX XXXX XXXX was included in bankruptcy which was discharged in 2015. Bankruptcy has since been removed from my report. However, XXXX XXXX XXXX shows that I owe a balance of {$200.00} and is 120+ days past due. Again, this was included in bankruptcy. I have since received the title to the car and sold the car. I have disputed this with Equifax at least 4 times. It will come off my report for a few months and then reappear. It needs to be permanently removed from all reporting. Thanks!
Consumer complaint received 2020-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Paypal Holdings, Inc (MI)

I contacted Paypal, and they put me in touch with their Limitations department, where I spoke with XXXX. She looked into the PayPal Cash Card that was sent to me unsolicited and initated a three party call with The XXXX XXXX, that issued the card. XXXX at XXXX had my social security number and date of birth, which had been used to open the account, and which I had NOT provided to Paypal or XXXX at any time. The card had my maiden name only on it, not my married name. XXXX closed the account opened in my maiden name, and XXXX put a block in Paypal for future cards to be opened. She also sent me information on how to report the social security number fraud to the three credit bureaus and the Federal Trade Commission. There were not any transactions yet on the card, but now I want to make sure others are not opened in my name with my information.
Consumer complaint received 2024-02-29
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

A FRAUDULENT APPLICATION FOR A CREDIT CARD WAS SUBMITTED TO CAPITAL ONE BANK ON XX/XX/year>. I REPORTED THIS AS FRAUD IMMEDIATELY TO CAPITAL ONE. THIS RESULTED IN A HARD INQUIRY ON MY CREDIT REPORT. I HAVE DISPUTED THIS WITH ALL XXXX CREDIT BUREAU 'S BUT XXXX REFUSES TO REMOVE IT. I HAVE REPEATEDLY CONTACTED CAPITAL ONE WILL NOT PROVIDE ME WITH ANY DOCUMENTATION THAT THIS APPLICATION WAS FLAGGED AS FRAUD. HOWEVER, THEY KEEP TELLING ME THAT THEY SUBMITTED DOCUMENTATION TO THE CREDIT BUREAU 'S AND REFUSE TO PROVIDE ME ANY DOCUMENTATION. I HAVE REPEATEDLY CONTACTED XXXX AND THEY KEEP TELLING ME THEY HAVE NO DOCUMENTATION AND/OR IT COULD TAKE UP TO 90 DAYS. HOWEVER, IT IS WELL BEYOND 90 DAYS AND THE INQUIRY IS STILL PRESENT.
Consumer complaint received 2023-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

In XXXX XXXX  XXXX I got a citizens clear value credit card, XXXX XXXX interest free, I did a balance transfer of XXXX dollars .in XXXX when I opened my bill Isaw that there were 3 charges on my bill that I did not authorize the first one on XX/XX/XXXX XXXX a charge of XXXX to XXXX on XX/XX/XXXX a charge XXXX to XXXX and on XXXX XXXX a charge of XXXX I immediatly called their fraud dept. and reported it they told me they shut the card down and would investigate the matter said it would take 2 or 3 weeks. I called them on the XXXX XXXX  XXXX on XX/XX/XXXX they sent me a letter stating that they completed their investigation and that I was responable for the charges and that the amount of XXXX would begin accuring interest and be included in my regular bill. I again called their fraud dept. and their represent stated that I wasnt responable for the money but their manager would call me back .I called 7 or 8 times no one ever called me backI continued to make my monthly payments until I paid every dollar that I owed after that I called and Told Them i wasnt making any more payments.now they haressing me with phone calls and letters and reporting me to the credit bureau XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have an older loan with Capital One for an XXXX and and a newer loan with Capital One for a XXXX. When I obtained the XXXX loan I requested a loan with identical due date and auto pay as the XXXX loan. I pay a small amount additional payment each month to be applied to the principal for a less interest charge the next month. This has worked perfectly with the XXXX. The XXXX is a different story. I paid my monthly payment on the due date of the first of the month from XX/XX/XXXX through XX/XX/XXXX. I paid an additional amount of {$15.00} a month to be applied to principal. I find out today that they have not been applying the additional principal but instead they have been just crediting it towards my next payment. I think this is terribly dishonest and just a way to keep my additional money without crediting the principal. They have " explained '' that it is because the payment is due on the XXXX for the XXXX and the XXXX for the XXXX. They say that they have 2 days extra time to apply the additional principal payment for the XXXX but since I pay the payment due on the first on the first they can not apply it to the additional principal but instead apply it toward the next month 's payment. I believe that if my payment is due on the first and I pay it on the first they should apply it towards my principal otherwise what is the point of paying an additional amount? This seems like utter nonsense to me. If this is the case Capital One should have set up the payment as I requested identical to my previous loan. They are basically just holding my additional payment with no value to me only value to them.
Consumer complaint received 2022-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NJ)

We have Citi Costco card when Costco switched over from XXXX XXXX. We did not always get our monthly bills consistently. We payed on time by checking online but two of the years ( XXXX & XXXX ) we did not get our reward certificate. We called their support number and was told to go to Costco when we wanted to purchase and they would be able to assist us. At Costco, they told us that it was a Citi bank issue and they don't have the reward. We have been told the total for those years is {$1000.00}. We have asked them to check call recording to verify what the Citi representative told us on the phone but they won't honor what they told us.
Consumer complaint received 2019-07-15
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

On XX/XX/XXXX I was denied financing for a different house with XXXX XXXX XXXX and a previous situation with Bank of America is the reason for denial. 

My previous house was foreclosed in XX/XX/XXXX and as part of a settlement, it does not show on my credit report, however it is an issue. 

Purchased this house in XX/XX/XXXX with my husband-at-the-time. In XX/XX/XXXX, we separated and our dissolution of marriage was XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX this house was put on the market to sell with no offers. 
XX/XX/XXXX Faxed documents to Bank of America Deed in Lieu Qualified for Deed in Lieu. Negotiator was to contact me by XX/XX/XXXX. 
XX/XX/XXXX Faxed documents to BOA Short Sale XXXX XXXX became BOA contact person XX/XX/XXXX XX/XX/XXXX XXXX told me that my DIL was accepted XX/XX/XXXX Now, my DIL was cancelled XX/XX/XXXX XXXX XXXX sent an email saying that my file is still being reviewed for DIL XX/XX/XXXX XXXX XXXX sent an email saying that my file is still being reviewed for DIL XX/XX/XXXX BOA required me to vacate the premises by XX/XX/XXXX Moved into apartment XX/XX/XXXX XX/XX/XXXX Faxed documents AGAIN XX/XX/XXXX Faxed documents AGAIN XX/XX/XXXX XX/XX/XXXX Deed in Lieu accepted XX/XX/XXXX DIL accepted and recorded XX/XX/XXXX XX/XX/XXXX Called BOA and was again told DIL was accepted XX/XX/XXXX No paperwork yet XX/XX/XXXX XXXX Now, we are in foreclosure XX/XX/XXXX Called BOA about DIL settlement paperwork. 
XX/XX/XXXX Declined for DIL because BOA was unable to contact borrowers Re-initiated DIL proceedings XX/XX/XXXX Still waiting on DIL paperwork XX/XX/XXXX Was told to wait for Approval to Participate letter. Call back next week XX/XX/XXXX Called to check status and was informed that XXXX XXXX was my new contact person XX/XX/XXXX Left message for XXXX XX/XX/XXXX Left message for XXXX XX/XX/XXXX Received a phone call from XXXX informing me that my DIL was not accepted and wanted me to put the house on the market again. 
When I asked why the DIL wasnt accepted, XXXX read because the house sat vacant for so long. 
XX/XX/XXXX Sent letter to BOA asking them to foreclose on property XX/XX/XXXX Received a summons from XXXX County because BOA had decided to sue us. 
XX/XX/XXXX Hired XXXX XXXX XXXX to represent us in court XX/XX/XXXX Foreclosure and Sheriffs sale entry by XXXX County Court XX/XX/XXXX Court filed Confirmation Entry of Sale and Distribution of Sale Proceeds
Consumer complaint received 2019-01-04
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. (OH)

I AM A VICTIM of ID theft I have several fraudulent addresses on my file that are not mine please remove the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX , XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX The following phone numbers are not mine please delete the following : ( 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 ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2020-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (IL)

For 3 years I have been depositing and making withdrawals into my US BANKi always make Deposited majority cash but overall I have a credit union account I wrote a check from my credit union account to myself To cover my bills which is the same Amount of deposits I would normally do in cash this particular time I was sick so I was unable to make it to the bank so I did a mobile deposit needless To say risk has a hold on my account I have never been negative or have done any bogus activity in mu account for this to happen this has caused my account to go negative because all Of my bills are set up to Come out the account and now I will he negative I do have perfect credit as well and was just approved for a credit card with them who is in risk that has done something so awful This has caused me so much stress imagine trying to get gas and your card had decline I really feel Like race is involved in the particular case almost like predatory lending
Consumer complaint received 2019-01-04
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: Armor Systems Corporation (NJ)

XXXX XXXX {$4.00}, PAY OFF XX/XX/2018 C/C {$480.00} DID I CALL, THEY SAID THEY WOULD TAKE CARE ALL READY, BUT IT STILL SHOWS IN MY REPORT. THE OTHER ACCOUNT IS ARMOR SYSTEMS CO, WHICH I PAID BUT IS STILL SHOWING AS UNPAID.
Consumer complaint received 2019-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

Customer service is very very poor. They don't want to help and solve the problems of the customers. I always pay my bills online through XXXX XXXX  and upto now I never had any problems with any parties. But I have problems with XXXX XXXX XXXX only. 

I always pay ontime but this XXXX XXXX XXXX charges me late fee and interest stating that they received the payment late, may be they posted it late. Why I have to pay the above charges when I am not at fault. Please see to that, it never happens again to anybody.
Consumer complaint received 2019-01-04
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: Experian Information Solutions Inc. (TX)

Ezperian fail ro provide me with proof of XXXX XXXX account XXXX that was so called veried by them. Also it has been more that 30 days. Under section 609 that arw required to provide proof of account
Consumer complaint received 2019-01-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

My name is XXXX XXXX and I live in XXXX Iowa. On XX/XX/2018 I put {$24.00} of gas in a XXXX XXXX XXXX near to XXXX on the XXXX  XXXX, using my credit card ending XXXX of Bank of America. Then on XX/XX/2018 when I tried to used again in other place, it just said declined. When I checked my card statement it showed that I had done different transactions during XX/XX/XXXX and XX/XX/2018 that I didn't. They were 2 more in the same XXXX XXXX XXXX for {$24.00} and {$13.00} and later three additional transactions in XXXX XXXX {$13.00}, XXXX {$8.00} and XXXX {$27.00}. So it looked they kept doing it Up to my credit limit was reached. Fortunately I just have {$300.00} because they would stealing my money. Once I realized what happened I immediately report to the bank and the create the fraud claim XXXX. On XX/XX/2018, the Bank sent me the letter telling me that there not identified fraudulent transactions and I would have to payback those transitions and I'll be responsible for the balance of my account ( Attached ). On XX/XX/2018 I went to the office in XXXX XXXX and they didn't take my request, because the credit line people weren't working that day. The advisor reschedule an appointment for me during the week days and hours that apparently the credit line people work, but I work and for me is not possible attend a personal appointment that fit in their schedule. Anyway I let The advisor know about my position of not paying those fraudulent transactions, because I never unprotected my card and the bank must be responsible for the card and money care. He explained me no balance will be applied. So since it was a prepaid card I pay for the balance of the money that I really spent, in the way to using for a road trip during XXXX XXXX weekend. I was traveling on my way back from XXXX XXXX to XXXX Iowa confident with my money in my prepaid card, but nevertheless the bank took the money and applied the balance without my authorization. Making me live hard times without my money to put gas, I really faced an emergency because I just counted with the money in my card.
Consumer complaint received 2019-01-04
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. (MI)

This past XX/XX/XXXX I asked TransUnion to investigate an XXXX XXXX XXXX XXXX account that was either fraudulent or combined with someone else information. TransUnion investigated the about and deleted the account per the attached letter dated XX/XX/XXXX. Sometime in late XX/XX/XXXX I noticed that the same account was showing on my TransUnion credit report. I've contacted them several times with the most resent being today where I was told first told by XXXX in the " Special Handling Department '' that there was no record of the account ever being disputed or deleted. I pointed out that on XX/XX/XXXX I faxed a copy of TransUnion 's previous investigation results with yet another dispute, he acknowledged receipt of the doc 's, agreed the account in question was investigated and deleted, but said we had to go through the same lengthy investigation process. He could not explain why it was reinserted. Regardless of why or how, by allowing this account to continue to pop-up on my TransUnion credit report they are adversely effecting my ability get credit or if credit is extended it's likely come with unfavorable terms. I'm attaching my XX/XX/XXXX fax dispute and a copy of the XX/XX/XXXX TransUnion investigation results.
Consumer complaint received 2021-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (SC)

On XX/XX/XXXX a payment in the amount of XXXX was submitted through bill pay on the XXXX  XXXX XXXX website. LoanCare never received this payment and proceeded to inform me by phone calls that this was not received. After contacting LoanCare representatives countless times it was established that they needed a transmittal number from XXXX  XXXX XXXX in order to confirm that this payment was sent. The correct documentation needed to resolve this issue was sent by myself after receiving a document from XXXX  XXXX XXXX by fax. This information was emailed to XXXX on XX/XX/XXXX. I then received a confirmation email on XX/XX/XXXX stating : The payment was applied to your account on XX/XX/XXXX, but back dated to XX/XX/XXXX. 

Your request has been resolved and this ticket has been closed. 
Please do not respond to this e-mail. Sending multiple e-mails may increase the time it takes to process your request. 
Need to talk? You can reach our Customer Service Department at any time during normal business hours for further assistance. Were here Monday-Friday XXXX XXXX XXXX. Eastern Time, and Saturday XXXX XXXX XXXX 
Submit escalated payment inquiries and documentation via email to XXXX or via fax to XXXX. 
Thank you, Customer Service Department NMLS # XXXXbeen closedthe timeDepartment atXXXX 

Then I received a letter in the mail on XX/XX/XXXX stating that the payment was returned to me by sending a check to bill pay at XXXX  XXXX XXXX on XX/XX/XXXX and that I am suppose to remit this payment back to LoanCare. I called LoanCare once again to understand the reasoning for reopening this and I was told the payment wasnt processed. I called XXXX  XXXX XXXX to understand why I dont see a credit reflecting the amount of {$820.00} in my account but was offered with the explanation that they would have to look into this and call me back. I am now going through this again after having been told this was resolved on XX/XX/XXXX. 

I have never missed a payment and all my efforts to resolve this are being subverted by poor management and policies from both these institutions.