davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I applied for a Secured Credit Card through Capital One to which I know I am able to be approved for. I made an honest mistake of uploading the incorrect bank statement to them, a statement showing XXXX balance, and they immediately declined me. Once I called back they refused to accept the correct documents, telling me I would have to reapply and receive another hard inquiry on my credit in a window of 10 days. This is not right.
Consumer complaint received 2019-09-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kinum, Inc., Indianapolis, IN Branch (GA)

I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your 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 accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, 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.
Consumer complaint received 2024-02-22
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2021-05-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (NC)

We were previously customers of SunTrust Bank from XX/XX/XXXX until XX/XX/XXXX ( XXXX XXXX XXXX & XXXX XXXX XXXX  ). We kept over {$450000.00} of combined deposits with SunTrust in Advantage Money Market Savings account # XXXX and in checking account # XXXX. We closed the accounts on XX/XX/XXXX after a promotional rate ended via a cashier 's check. We never had any overdrafts and closed the accounts in good standing. On XX/XX/XXXX, we opened a new SunTrust checking account online. We received confirmation of the new account number XXXX # XXXX XXXX. I changed my direct deposit information with my employer. The following week, I attempted to log into my account to verify my direct deposit and received a message to call a SunTrust customer service number. I called and learned that our account had been closed. No reason was provided to me after I asked for a specific reason. Thinking that one or both of us may have been victims of fraud, I pulled our credit reports with XXXX XXXX and XXXX to confirm that there was no derogatory information on record. There was none. Our credit is flawless. Our credit scores are both in the XXXX range. I also confirmed that our credit was still temporarily UNfrozen and even contacted XXXX XXXX to confirm that no derogatory information was on record there. On XX/XX/XXXX, I called the 800 number again and asked to speak to a supervisor. I was connected to XXXX XXXX XXXX. She would not give me any information on why our account was closed. She only would say that SunTrust has the right to close an account and that a letter would be mailed to us. We are still waiting on this letter. My direct deposit is in limbo. I find this business practice unethical and discriminatory. A valid reason needs to be provided immediately and verbally or electronically to a consumer on why an account was not opened or closed. A federally regulated bank should not be allowed to operate in this manner. If a bank is able to open an account online, they should be able to provide a detailed response back why an account can not be opened in a similar electronic manner ( online ). Mailing a response days or weeks later by USPS is NOT acceptable. We have suffered undue XXXX and XXXX not knowing if our personal information has been compromised, if fraud was committed, or if an error was made.
Consumer complaint received 2019-06-05
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. (NJ)

Please see CFPB Compliant ID XXXX and my response : I did not get satisfaction nor were anyone from XXXX XXXX XXXX ever available to take my calls or to return them. I want the CFPB to see the response from XXXX XXXX XXXX and note under the bullet points, XXXX XXXX of XXXX XXXX XXXX states : " Your Chapter XXXX statement of intent lists XXXX as 'retain and pay ' ''. I did this and I paid off the carload early which should have been reported to all the credit bureaus. I was never late in paying off the loan and in fact, paid it off months early. If I had not paid it off, XXXX would have repossessed the car. The fact that I told them I was keeping it and acknowledged the debt by paying for it ahead of the the 72 month requirement is evidence enough that I should have a positive report off this on my credit report and I ask that the CFPB INSIST AND REQUIRE XXXX TO LIST THIS POSITIVE CAR PAYOFF ON MY CREDIT REPORTS.
Consumer complaint received 2019-06-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (IN)

On or Before XX/XX/2019 Discover Bank wrote me a letter telling me someone, open up more than ( 4 ) accounts in my name : XXXX XXXX XXXX and the Discover Bank, had investigated, and still investigating this case of Fraudulent and this is my ( 2 ) Identity Theft And it took me ( 10 ) yrs for my first Identity Theft case with someone @ XXXX @ North Carolina.
Consumer complaint received 2017-12-15
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (WI)

This is a Supplement to existing Claim XXXX currently pending before CFPB. Upon my filing a complaint, Citibank now has referred a failure to pay to the credit reporting agencies in retaliation for my filing a complaint. They call my office and cell phone on a daily basis demanding payment that is not due.
Consumer complaint received 2021-05-02
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (SC)

An account was opened in my name with Synchrony Bank/Amazon. I never opened this credit account. Synchrony continues to remove the account from m credit report then reopen it with a different number and it pops back up on my report. My bank has done a fraud investigation and has deemed it to be fraud. Any money that was fraudulently deducted from my bank account has been returned to me by the bank.
Consumer complaint received 2021-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MA)

Still waiting on Chase to complete any of their 'promised ' actions. 

My taxes are still up paid. I have 13 phone call requests into Chase now since XX/XX/2021 to do any of the following : 1. Pay the taxes for my property that are now 1 year over due. These funds have been provided to them ( all onetime ) each month via my mortgage payments and have been escrowed for this purpose. 
2. Explain to me why they have made payments from my account that have not been received the XXXXXXXX XXXX XXXXXXXX ( yet have been deducted in my account causing a deficiency in funds in my escrow ) - I was told two weeks ago this info would be sent to me as it couldn't be provided via phone. No info has been sent. And based on a call today none has been sent to date.

3. Why I am getting refunds in my account for payments that have not been sent by the City.
Consumer complaint received 2020-07-23
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: SYNCHRONY FINANCIAL (CA)

Re : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX I filed a Chapter XXXX for the arrears of my house to help pay it off and didn't know it included my credit cards. I continued paying my credit card because I didn't know I had XXXX balance as charged-off. The last credit of my payment was XX/XX/XXXX, but I paid another one on XX/XX/XXXX. Last year a XXXX XXXX XXXX from company XXXX XXXX XXXX sent me a letter stating they bought the account and was charging me {$740.00}. I replied numerous times by email, mail, fax explaining that they were my XXXX payment was not credited and they are missing the XX/XX/XXXX statement that should show my additional payment. I even sent the bank statement that contained the payment history for Synchrony. I was requesting for them to credit my payments and adjust the charge accordingly. Their response email states they received my request but they can't entertain but only through phones. I called and left messages more than these that I remember but they just tell me they will call me back but never did. 
XX/XX/XXXX, XXXX email XX/XX/XXXX, XXXX email telephone call left a message- XX/XX/XXXX Faxed documents XX/XX/XXXX Talked to XXXX on XX/XX/XXXX In XX/XX/XXXX, I became jobless because of the coronavirus state orders. As so, I continued to request to adjust the charge sending them the payment evidence and due to financial difficulty at the pandemic time, I was asking for a payment plan. They responded with a Civil Suit Summon from the Superior Court. I tried to go the court to help me with how to fill up the reply form but no department nor attorneys would help me for a {$750.00} collection case. I am in such financial difficulty I can not afford to spend to court and attorney fees so please help me settle this with this company. I have spent a lot of time trying to contact them and this pandemic and this job insecurities drive me to XXXX with an added lawsuit. Please ask the company to withdraw the lawsuit and just communicate with me
Consumer complaint received 2023-03-28
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. (VA)

In accordance with the fair credit report act XXXX  account # XXXXand any inquiries on my credit report is in violation of my rights. 15 USC 1681 section 602 a. States I have the right to privacy.plus 15 USC 1681 section 604 a.states a consumer reporting agency CAN'T FURNISH A ACCOUNT WITH OUT MY PERMISSION
Consumer complaint received 2022-04-26
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # ending in 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose SHOW LESS
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # ending in 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose SHOW LESS
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Debt originally owned by XXXXXXXX XXXX was collected by Portfolio Recovery. Portfolio Recovery engaged an outside attorney firm to collect the debt. The debt has been paid in full via the attorney and Portfolio Recovery refuses to provide a letter stating it has been paid because it was paid to the attorney. They also say they have to wait until the attorney let 's them know the account has been paid and that could take 30 days. The credit reporting agency won't accept the attorney 's letter to show the debt is paid because the letter needs to come from the creditor or Portfolio Recovery. 

This is going to impact my ability to purchase a home.
Consumer complaint received 2020-11-18
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: EQUIFAX, INC. (CA)

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to XXXX, XXXX  and Equifax. The CFPB complaint numbers were XXXX ( XXXX ), XXXX ( Equifax ) and XXXX ( XXXX ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of all 3 bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by XXXX, XXXX or Equifax to resolve anything. I also know that there was data released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, Equifax and XXXX must be held accountable and to the standards clearly outlined in the FCRA.
Consumer complaint received 2022-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the fair credit reporting act XXXX XXXX XXXX {$550.00} balance has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX {$7800.00} has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX # XXXX {$0.00}. has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX  XXXX {$130.00} 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.
Consumer complaint received 2020-07-23
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: Experian Information Solutions Inc. (NY)

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 2022-09-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

A Collection account was added to my consumer credit report by Account Resolutions Services. The account was for a medical account that I did not owe. The account was from XXXX. At the time I had Medicaid and the account should have been taken care of by Medicaid. I disputed the account with ARS several times over the phone and they refuse to remove the account until they heard from Medicaid. I let them know they were reporting inaccurate information on my consumer reports and that they had no right to do so. While the account was on my consumer report for over two years. That negatively affected my character and my ability to receive financing. I wasn't able to rent an apartment because my credit score was too low.
Consumer complaint received 2020-11-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Lending company continues to report fraudulent debt, vehicle was not repossessed, vehicle has been charged off, company continues to report account as open. No validation as to debt amount owed and or trade in value. Lending company sold flooded vehicle to consumer with illegitimate warranty.
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (UT)

I opened an amazon store card issued by synchrony bank with the specific intent of managing all of my amazon purchases in XXXX place to make them easier to track, and to get 5 % cash back on those purchases. Since the card was issued, I have made multiple payments, prior to my due date, including recently paying the full balance. However, even though my recent payment to pay off my full balance was made on XX/XX/XXXX, and cleared my bank account on XX/XX/XXXX, they are still showing the payment as " pending '' and their CS reps and a " manager '' who I doubt could manage a trip to the grocery store. The email they sent me when I made the payment CLEARLY stated that my payment would be credited within 1-2 business days. I still can not use the card, because they told me that they are holding it for 10 days because it was a " change in payment habits '' which there really isn't. I have made large payments in the past that were NOT held for 10 days. All purchases have been shipped to my home address and all payments made with the SAME checking account, so there are no fraud indicators. They claim that they " can not manually release the hold '' which we all know is a line of XXXX. I've worked for XXXX of the oldest ecommerce companies for 23 years, so I know it's a line of XXXX. Automation, XXXX  and algorithms are only as good as their inputs and are not infallible, there is ALWAYS a way for a human to review and do the right thing for the customer. I literally do this for a living as an Operational Policy, Risk and Controls Analyst and I write the kind of fraud trigger rules they are referencing. If they are not going to uphold the payment clearing dates they communicate IN WRITING, they should be held accountable. Customers depend on the companies they deal with to be honest in their dealings and communication. This company is obviously not.
Consumer complaint received 2020-07-23
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. (IL)

I am being charged an inaccurate amount of {$4400.00} to my Experian credit report. I have disputed this account several times and they will not remove it. I am being charged 2 extra months of rent and other fees by the creditor called XXXX XXXX XXXX. The original creditor is XXXX XXXX XXXX The creditor has already been deleted from my XXXX and my XXXX Credit report. The creditor is wrongfully charging me an amount of money that I do not owe. They are lying saying that I have broke my lease when I did not break my lease. My lease was up on XXXX XXXX. I did not move out until my lease was over. There is no proof that I broke my lease. I still had belongings in my apartment and was still living there and had the keys.The creditor just keeps showing a receipt that they made up saying that we owe an amount that we do not owe. I need this removed off of my Experian credit report. I will not pay for something I do not owe.I have disputed this several times with Experian and they will not remove this off of my Experian credit report. I am being lied on by the creditor and they have no proof of me breaking my lease, and this has been removed from the other two credit bureaus which are XXXX and XXXX. So Experian needs to remove this from my credit report like the other 2 credit bureaus.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

I have disputed a loan I didn't authorize, sign or agree to. All money that was sent to me as a way to be subject to accept such loan was sent back through a federal bank with tracking numbers to verify they have all funds back in there possession. This loan needs to be taken off my credit reports asap.