davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (FL)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vow have in our files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2022-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XX/XX/2021 around XXXX  I ordered silver coins from XXXX XXXX for what was a very good price {$390.00}. I decided to research the company as I found my price was below the current price of spot silver. Impossible to sell at less than cost. Within an hour I called their phone number-not working- and emailed them cancelling the order.I I contacted Capital One the CC I used and told them to eliminate the charge. No problem. Within XXXX weeks the money was credited back to my Capital one card. Case closed to my satisfaction. 
A few weeks later the money was again charged back to my account. 
I did a complete study of XXXX XXXX and spoke to Capital One about the problem. 
I waited. Nothing happened. After repeated phone calls Capital One informed me that they had emailed me ( never received ) and sent a letter to my correct home address _received_ informing me of the details. I sent them complete research showing my cancellation email etc. I asked them to reopen the file. Many phone calls and I was told hey contacted XXXX who said coins were sent. A lie. Thus I was charged again. I faxed and sent by mail all the details. I checked with my post office using the tracking code XXXX gave as proof of delivery. The post office said it was not for me at my address and it was fake. PO said contact your credit card company. Capital One never checked the proof of delivery with the Post Office for accuracy..to date nothing done by Capital One
Consumer complaint received 2022-02-17
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. (GA)

Hello, For the past several months I've contacted Transunion and XXXX regarding the INACCURATE reporting of a charged-off XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. For over 7 mths, I have requested that these companies remove this account due to inaccurate reporting. I have supplied both companies with undeniable proof of the multiple violations, in the form of XXXX credit reports and copies of screenshots from their sites, only for them to respond with a verification that the debt is mine, or an " UPDATED ACCOUNT '' response. 
This closed account is reporting late payments with no " DATE LAST ACTIVE '' on report. If the date of last activity is not shown how can you confirm how many days late an account is. This could also expose me to an even worse situation of re-aging of the account. Which means that the statue of limitations is null and void due to the lack of a starting point They were also reporting 90-days late within the time span of 30 days. ( Blatant inaccuracy ) Ex. In XX/XX/2018 account is reporting as current ; then in XX/XX/2018 account reports as 90 days late. ( NOT POSSIBLE )
Consumer complaint received 2018-05-02
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: National Credit Adjusters, LLC (TN)

I dont have any idea why these people are constantly call my phone and they were calling my job at one point. They call from different numbers. I block them and they call from another number they just switch up the last two numbers!!!!
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Recently, I, allegedly, defaulted on a credit card by Bank of America N.A ending in XXXX and they sold my personal information to XXXXXXXX XXXX then, XXXXXXXX XXXX XXXX XXXX without my consent. My demographics, with address, and social security number was given to these entities. I want to request for a full investigation whether they have a right to sell the information mentioned, and if they paid the taxes on this alleged debt when it was charged off or the excised tax that is due on a carry over basis. I don't think Bank of America, XXXX XXXX, nor XXXXXXXX XXXX XXXXXXXX has the necessary forms on file with the social security administration.
Consumer complaint received 2022-08-26
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. (VA)

I previously submitted a complaint via CFPB towards Equifax in regard to multiple unauthorized inquiries that were showing on my credit report due to fraud/identity theft. See complaint # XXXX. 

Overall, Equifax agreed to delete the fraudulent inquiries and gave their resolution to you that this will be deleted. However, they did not follow through and missed deleting one of the inquiries they said they would delete. 

As of XX/XX/XXXX, the fraudulent inquiry made on XX/XX/XXXX for company " XXXX XXXX '' also known as " XXXX XXXX XXXX '', still remains on my credit report, when it needed to be deleted. 

Equifax was not thorough and somehow missed this one.
Consumer complaint received 2022-02-17
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)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XX/XX/2017 {$1100.00}, XXXX XXXX  XXXX  XXXX XX/XX/2017 {$0.00}.
Consumer complaint received 2020-07-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (VA)

I opened a Wells Fargo account on XX/XX/20 under a promotion offer of {$400.00} to open an Everyday Checking Account. I was required to make {$4000.00} or more in qualified direct deposits within 90 days. I reached {$4000.00} in qualifying direct deposits on XX/XX/20. Wells Fargo closed my account on XX/XX/20 ( 90 days ) and didn't pay out the bonus they owed me. I called them on XX/XX/20 once I realized they closed my account and didn't pay me the bonus. They said I met all the requirements to be paid for the bonus. However, they said they closed my account because there wasn't enough qualifying activity. They never told me about this when signing up for my account. Either way, I still met the requirements to be paid the checking account sign-up bonus.
Consumer complaint received 2022-01-14
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. (FL)

I have been taking advantage of due to malpractice while several laws have been broken under the FCRA by your company. This is causing me XXXX XXXX XXXX XXXX of character. I am unable to get a job or apply for credit. This has hurt the credibility of hurting my credit.
Consumer complaint received 2020-07-27
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. (TX)

FTC Violations Name is not correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never lived at following addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX   XXXX {$960.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX {$560.00}
Consumer complaint received 2019-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I applied Bank of America XXXX  XXXX Visa Credit Card around four months ago. The offer was spending {$2000.00} in 3 months and you will get XXXX additional XXXX  XXXX miles. I called Bank of America XXXX  on XX/XX/XXXX and was told by the representative that I would need to spend {$35.00} dollars more by XX/XX/XXXX to meet the spending requirement and I followed her instruction. However, when I called approximate 1 week later, the other representative told me that I was still {$23.00} short and my offer expired, so there was nothing I can do but losing my bonus. 

I explained to her my situation and asked her to open a case. She did, but I have not heard anything back from the response ever since.
Consumer complaint received 2024-03-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (WA)

1. I have disputed this debt on my XXXX XXXX credit report four times. It is yet to be marked as disputed. 
2. I have received daily phone calls as early as XXXX XXXX  3. I have repeatedly asked this company to validate the debt, which they have been unable to do. 
4. They can not tell me who is original creditor. 5. They wont send me the written permission they have to collect the debt and the original application with my signature on it. 
6. They wont send the payment history on the debt. Or, what the total balance is, and how they arrived at that amount. 

I have contacted an attorney who told me this : When you ask a debt collector to verify or validate a debt, or you otherwise dispute the debt, you trigger certain legal obligations ( which they must follow ). One of the most important of these obligations is to mark the debt as disputed, on your credit reports. This is required under section e ( 8 ) of the Fair Debt Collection Practices Act ( FDCPA ). 
90 to 95 % of the time, debt collectors do what they're supposed to, and mark accounts as disputed. However, there are a good 5 % to 10 % of disputed accounts, which are not properly marked as such. 
If the account is not marked as disputed, you're entitled to up to {$1000.00} in damages. Independently of the {$1000.00}, the debt collector must pay your attorney 's fees. I will move forward with a lawsuit if this is not removed from my credit report permanently. I will also be collecting the several XXXX dollars at this company now owes me under the laws guidelines.
Consumer complaint received 2021-11-06
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (TN)

Account Name : NATIONAL CREDIT ADJUSTERS Account Number : XXXX Balance : {$500.00} This letter is a formal complaint against NATIONAL CREDIT ADJUSTERS, a collection agency located at XXXX XXXX XXXX XXXX XXXX XXXX. They have repeatedly violated my rights per the Fair Debt Collection Practices Act and I'm just over my head with this company. I can't take any more of the XXXX  from fooling with this company and them reporting inaccurate and unverifiable derogatory information about me to the Credit Reporting Agencies.

First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. I have asked this company to validate this debt because the date of last activity is reporting inconsistently in all three credit bureaus. 

Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable.

Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.
Consumer complaint received 2020-07-27
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: CAPITAL ONE FINANCIAL CORPORATION (ID)

On XX/XX/20 I booked a hotel room at XXXX XXXX online on the Capital One Travel site and was charged XXXX Miles, or reward points, which translates to {$73.00}. Capital One apparently uses XXXX for bookings and I know this, not because of the email receipt from Capital One, but because I viewed the hotel screen when the manager showed it to me. The hotel only charged XXXX {$56.00}, so when Capital One deducted points to pay {$73.00}, they overcharged my rewards account by XXXX points since they only paid XXXX XXXX {$56.00}. When I called and asked that my account be credited for those points, I was told that they can't control what the 3rd party ( XXXX XXXX pays and my request was refused.
Consumer complaint received 2022-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

XXXX reporting agency keeps reporting inaccurate information on my car loan threw XXXX  XXXX XXXX as the balance, also they are messing up my on time payments months are passing and theyre not updating months that a paid to my accounts and it is hurting my score, also they have not updated my payment history and balance on mostly all my accounts can somebody please help me with my problem because I am trying to better my situation and they are giving me a hard way to go by not accurate presenting my credit history. I sent out letters and reports to XXXX threw certified mail backing me reach outs to them. Also they have been failing to accurately update the the monthly records of payments. I also have the letter from the company stating that inquiries where made fraudulently with my social security number and I wanted the inquiries removed because it is becoming an hard ship on me and I know according to the FCRA legally those unverifiable, and inaccurate information must be removed from my report.
Consumer complaint received 2018-05-02
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: Southwest Recovery Services, Inc. (FL)

I have spoke with XXXX  on several occasions in regards to the derogatory mark on my credit from Southwest recovery department. There is no solid proof that I took out a loan on-line. There is no identification this company has of me beside my e-mail address. They want me to send them my information which is not necessary, because I took out this loan they should be able to provide proof that it was actually me. The representative at XXXX does not understand English,  which is very hard to explain things to them. Each state has its own statute of limitations on debt : the amount of time the court will force you to pay a debt. For the State of Florida An Open-Ended Account have 4 years to send someone to collection for a debt. They claim I took a loan out in 2012 which I never took out is past the timely filing limit. Which this should be remove off my credit. This company is doing fraud and needs to be investigated.
Consumer complaint received 2022-06-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION (GA)

I purchased a truck at a local dealership on XX/XX/2022 and dealership obtained financing for me through Truist. Afterwards, found out it was financially better to go through the bank I work for - interest rate would be lower. I had to give it a couple of weeks for Truist to book the loan. Finally on XX/XX/2022 I was able to refinance through my bank, a cashier 's check was issued and sent via XXXX XXXX  that same day. Truist received the check on XX/XX/2022, it was signed for by XXXX XXXX and shows it was delivered to the mailroom. I chatted XXXX on the Truist website on XX/XX/2022 to inquire about the payoff being processed and posted to my account. She stated " Upon review it appears we received your payoff check on XXXX. Please note, it can take up to 5 business days for the payment to be processed after your tracking shows as delivered. Once your payment is received it is sent to the mail delivery room with all other payments and is processed one by one. '' She did indicate that it would be backdated and any additional interest would be automatically waived. So, I waited another 6 days ( XX/XX/2022 ) and logged back on to see if the payment had been processed - nothing! I chatted this time with XXXX and inquired about the payoff. I explained everything again. I checked to see if the check had cleared my bank and it had not. XXXX had someone in Truist loan department check and she stated " the check is still not showing in the system and could be processing. If the check does not post in a couple of days you will need to provide proof of the cashier 's check to a Truist bank or do a stop payment on the check. '' This is absolutely ridiculous!!! To receive a payoff check on XX/XX/2022 and on XX/XX/2022 the payoff still has not been processed! Then I'm expected to pay for a stop payment on a check that Truist was too incompetent to handle professionally as a financial institution and process in a timely fashion.
Consumer complaint received 2018-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BB&T CORPORATION (NJ)

On or around XX/XX/XXXX I learned that a bank account was opened at Branch Banking and Trust ( BB & T ) using my personal information. I did not authorize this account to be opened and came to learn ofsame after being denied a savings account. Upon receipt of myXXXX  report in XX/XX/XXXX, I immediately disputed same on the basis of fraudulent and requested the negative reporting information be removed from XXXX. I continued to make attempts to contact the BB & T in an effort to have the information removed but was unsuccessful. I continued to advise the bank that i did not open this account.After filing a fraud identity report with the FTC, I forwarded acopy of same to the bank evidencing fraudulent activity, again requesting the false information be removed. I have had toplace security freezes and fraud alerts on my credit report. In the alternative, I also requested, should the bank maintain thatthis account was valid, albeit false, that they provide theappropriate documents to verify this. To date, I still have notreceived any information from the bank verifying the accuracy of this account and I continue to maintain that this was a fraudulently acquired account opened by someone who usedmy personal information without my consent. On XX/XX/XXXX, after being denied for another bank account, I received aXXXX report indicating that this institution continuedto report negative information. I again disputed the informationon the basis of fraud I requested any documentation that the bank believed would verify the accuracy of the of the account.As of this date I have not received one document. On XX/XX/XXXX I received a third XXXX report after continuing tobe denied for a bank account, except this time denied at a local credit union. This institution continues to report account abuse despite the fact that it is false and is a clear violation ofthe FRCA which requires them to accurately reportinformation, and correct and remove any inaccurate information. The FRCA also requires this institution to verify, with proper documentation, within 30 days. Thereafter should this institution be fail to do same, the inaccurate and negative information must be removed. It is now almost 2 years sincethe date that this was first reported and this institution has notprovided one single document to prove or verify the accuracy of this account. The negative reporting information hasinhibited me from getting a bank account and I am facingsevere financial hardship that is affecting my ability to afford my rent. I did not perform any fraudulent activityrather this institution allowed another individual to open an account withmy information and now is holding me accountable for others wrongdoing. I dont know what else to do to get this false and inaccurate information removed from my report. I have beendisputing this for almost two years. I am desperately seekingyour help as I have exhausted all of my options.