davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-21
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. (NY)

Equifax CFPB XXXX responded on XX/XX/2021 : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. 

The mailed results have not been received.
Consumer complaint received 2020-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Inflection.com, Inc. (WY)

Inflection XXXX XXXX product offered by Inflection Risk Solutions , LLC. Decision.and request made by XXXX XXXX. 

To quote the email I received : Thank you for your request to make a reservation or activate a listing using XXXX platform. We have now completed an evaluation of your XXXX  account, which included a consumer report generated using the Inflection XXXX  XXXX  product offered by Inflection Risk Solutions , LLC. 
And XXXX XXXX. 

We regret to inform you that, at this time, XXXX, XXXX has made the determination to permanently deactivate your account due, at least in part, to the following information contained in that consumer report : - Criminal Records Match Inflection XXXX  XXXX  provided information used to make this determination and took no part in making the decision to decline your application, and can not explain why the decision was made.
Consumer complaint received 2020-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (NJ)

Security over online banking is important. It is even more important when it blocks the true account holder from using the account. SunTrust bank, now Truist Bank, suspended my online checking account on XXXX. I was having trouble making XXXX bank transfers. SunTrust sent me an email to contact them by telephone. 

After spending most of the day speaking to 6 or 7 Sun Trust representatives through their telephone tree, hearing that I did not have to continue in the tree if my account was blocked, speaking to a different representative every time, repeating the same issues to different representatives, being cutoff several times while a SunTrust representative attempted to verify my telephone landline phone number through a voice authentication system my account was suspended. 

I could not access my account. The last recommended solution was to remove robo call blocking from my telephone or to visit a SunTrust branch. There are no SunTrust branches in New Jersey. 

SunTrust has no email contact number on its online banking website. It lists no employee by name or physical mailing address for contact. The system appears to be designed for telephone communication only and to eliminate the documentation of poor decisions. 

The next day, XXXX I received an email that my account had been reactivated. There was no reason given. There was no documented reason given for the account suspension. I had to trust that Sun Trust acted properly. Now with access to my account and increased motivation I could access the details in my account profile. I saw that the date of my last password change was in XX/XX/XXXXand that old telephone numbers had not been deleted. Possibly there were other errors in SunTrust information for me, but I do not have access to this. 

Based upon this experience my questions for financial regulators are the following : 1. What special controls do financial regulators have over online banking? 
2. What state regulations apply to online banks that are not licensed in the state? 
3. What reasons are justified for suspending an account? 
4. How can a customer contact a bank if no contact address is provided by the bank?
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX  snd Experian are NOT XXXX  XXXX Compliant as numerous required fields are NoT filled in completely, accurately, mandatorily and logically 200 % perfect to meet FCRA and other Compliance standards. I have attached the XX/XX/XXXX letter of XXXX XXXXXXXX Senior Vice President, XXXX XXXX who stated your credit card account was voluntarily closed on XX/XX/XXXX and has not been reported as open since. On XX/XX/XXXX, I received my attached Experian credit report dated XX/XX/XXXX which clearly documents that my XXXX account still remains IpEN despite XXXX plus demands to correct the willful FCRA violations. The XXXX  Senior Vice President obviously falsely certified that my account has not been reported as open since it was voluntarily closed on XX/XX/XXXX. Obviously, XXXX snd Experian have failed to investigate and have willfully violated the FCRA and XXXX XXXX standards by reporting my closed account as open. Stop embarrassing yourselves as once an account is marked closed with the required date if closure on XX/XX/XXXX, internal controls were required to prevent the closed account to be changed to open. There is obvious a sinister reason why my account was maliciously changed from closed to open. Thus will Cust you another {$2000.00} statutory damage claim for willful FCRA repeated unconscionable violations. If a Senior VP cant fix this, maybe the XXXX CEO can!
Consumer complaint received 2021-09-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NY)

They keep charging me overdraft fees. TD bank have these predatory overdraft pratices that they use to charge people overdraft fees. I was told if my account overdrafts and i put money in there same day before certain time i wont be charged a fee. My account was overdraft so i transfer money from another TD Bank account same hour and they charged me a fee of {$35.00}.
Consumer complaint received 2020-10-25
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: ENCORE CAPITAL GROUP INC. (AR)

XX/XX/2020 I Notified XXXX  that Midland funding was reporting in my credit. This is a unknown company that I have not applied with or signed contracts with. I've also mailed a certified letter for request of validation to both XXXX  an Midland funding. I was told that my report was updated as verified XX/XX/2020 with any validation being made. I also have 4 inquiries reporting that I have no knowledge of. 
Also my name appears wrong XXXX XXXX XXXX XXXX XXXX XXXX is not names i go by.
Consumer complaint received 2020-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/2020 Bank of America put a pending deposit hold of $ XXXX in my account I have called multiple times trying to figure out what the problem is. They stated this was done by the fraud department. When I spoke to them they told me my account was being reviewed and it should be concluded soon with no exact date as to when that should be done. I have no access to any of my money because of this hold.
Consumer complaint received 2020-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

On XX/XX/2020 I disputed the accuracy and completeness of information reported by Equifax in regards to a bankruptcy showing on my credit report. I made it clear to them that I am disputing the accuracy of the information provided to them by a third party information furnisher. I specifically stated and provided evidence showing that the name and address provided by the information furnisher does not match my name or address, but yet they continue to report this inaccurate information. In accordance with section 609 of the FCRA I demand that this inaccurate information be deleted from my report.
Consumer complaint received 2020-07-17
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 — Investigation took more than 30 days
Company: Exeter Finance, LLC. (CA)

I sent over a letter to Exeter Finance because the amount showing on my credit report does not appear to be accurate. I sent the letter on XX/XX/26 and have not gotten any response. This was only after I called in two months before and was told that I would be emailed out information. The company is reporting false information and will not comply with the law by providing me the documentation that I have requested both in writing an over the phone to show the account information as reported on my credit reports.
Consumer complaint received 2021-09-22
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

Contacted both XXXX and XXXX several times to dispute many duplicate credit inquiries ( 12 total ) from Capital One Auto Finance, Only ( 1 ) of these many inquiries were made outside of XX/XX/2020 and should be deleted for the reason of duplicate credit inquiry entries within a certain period of time. 

XXXX and XXXX are able to see all of these inquiries and dates but have refused to take immediate action to delete these entries but instead placing the burden on the individual disputing the item ( s ) to complete a burdensome process. 

Lenders can confirm current or previous credit requests for customers but instead contribute to lowering consumer credit report scores by fraudulently processing multiple credit inquiries. 

Credit bureaus should also provide consumers the right and a way to dispute inquiries within their credit report files such as other account dispute processes either online or over the telephone with a representative. 

Have also submitted complaints about XXXX and XXXX as well.
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I accidentally used my XXXX XXXX bill pay to pay a closed account instead of our open credit card through Capital One. The Capital One website shows my payment of {$1600.00} on XX/XX/XXXX as well as my XXXX XXXX checking account. XXXX XXXX and myself have contacted Capital one and they state they dont show the payment.
Consumer complaint received 2021-09-22
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. (CA)

EQUIFAX violates my consumer right to privacy under the FCRA,15 USC 1681 ( a ) ( 4 ), EQUIFAX willfully causing me harm and mental anguish by reporting invalidated accounts information on my consumer report without my written instructions and consent as mandated under 15 USC 1681b ( a ) ( 2 ).

EQUIFAX never provided me with a notice of negative information in writing as mandated under 15 USC 1681s-2 ( 7 ) ( A ) ( i ) and 15 USC 1681s-2 ( 7 ) ( B ). My federally protected right have been violated in multiple counts, EQUIFAX is intentionally, willfully and knowingly ruining my reputation and my credit. ( Please see attached filed for more details )
Consumer complaint received 2021-09-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Bridgecrest Acceptance Corporation (TX)

XX/XX/XXXX I was under the impression I was entering into a consumer credit transaction for a used XXXX XXXX XXXX with XXXX XXXX. A few weeks later I began to receive emails from Bridgecrest Corp requiring all documentation and communication be done by email only and demanding I pay an alleged car loan. I began receiving harassing calls and emails. Bridgecrest stole my personal information and began reporting false information to the consumer reporting agencies. I sent validation of debt documents in XX/XX/XXXX with no other response but to pay the alleged debt. They have harassed me as well as had multiple repossessions occur within the last year. I have kept record of the identity theft as well as the violations according to XXXX XXXX XXXX and am now demanding my restitution.
Consumer complaint received 2019-05-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NE)

XXXX  XXXX out of XXXX XXXX continues to call and leave messages for a XXXX XXXX on my phone. This is not his number, nor do I have debt with XXXX XXXX. They call every other day and leave messages for XXXX XXXX and I do not know how to contact him. I have contacted the company to stop, but they do not stop.
Consumer complaint received 2023-01-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION (VA)

We are on Government orders to live and work overseas. We have a loan with TOYOTA Financial. Our XXXX XXXXXXXX XXXX XXXX, is stuck at the US port and can not be shipped overseas because Toyota Financial refuses to provide us a copy of the title, so we can provide to the Government transportation company. We have been without a vehicle for 6-weeks with no end to this dilemma in sight. We have been Toyota customer for over 15 years and we can not believe how Government employees are being treated during theses difficult times. We've left friends, family and belonging behind and now we can not even ship our vehicle because Toyota Financial will not support families transferring overseas on Government order and assignment. 

The Gov shipping company will not move our vehicle without a copy of our title. The loan is financed and we are current on all payments. 
We have been made been communicating on the phone for 4-weeks trying to get the title issue resolved no avail... We are being held back financially without a vehicle
Consumer complaint received 2020-11-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (WA)

On XX/XX/XXXX, my two factor authentication was attempted to be reset, which I initiated. For six months, I have went back and forth with this business, attempting to reset my two factor authentication after I broke my phone. They have been impossible to reach, stating that I need to log in, to be able to contact them. Of course, this is impossible because my two factor authentication is not available. When they reset my two factor authentication, they failed to reset BOTH numbers on the account, proceeding to LOCK my account, failing to allow me access to both my money, and my account. They now will not allow me to contact them at all, removing the access from their website entirely. I have repetetively attempted to contact this business, from twitter, to phone, to email, to direct messaging. All attempts have failed.
Consumer complaint received 2023-03-26
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. (AL)

Several weeks ago, when I check my credit score from Equifax, I find that XXXX XXXX XXXX  in XXXX XXXX XXXX XXXX, XXXX, IA XXXX, Phone : ( XXXX ) XXXX claimed that I have an unpaid balance of XXXX $ ( original amount ) which now compounded to XXXX dollars in 2 months. First, I am not responsible for the amount. It is reported that there is an return check from me paid to XXXX XXXX XXXX in XX/XX/2022, which later XXXX XXXX XXXX gave the debt to XXXX XXXXXXXX XXXX for collection. I never heard of XXXX XXXX XXXX and never had any business with the company. I suspect that my check was paid by the person who stole my checkbook in Iowa, which I already reported to the police ( attachment is the report ) and later I also filed a complaint with CFPB about XXXX doing nothing to protect my account and information. Second, XXXX XXXXXXXX XXXX have never contacted me about the debt ( no phones, no letter and no emails or in-person ), I first know about this debt via Equifax, which hurt my credit score a lot during the time I want to apply for a mortgage. Third, I filed a dispute in Equifax which they carried out an investigation by contacting the XXXX  XXXX XXXX in which Equifax said that the XXXX XXXX XXXX said the debt was mine. During the whole process, the collection agent never contact me and Equifax believed them. Fourth, the whole case did not make any common sense. Equifax knew that I pay off my credit card every month for a the whole time I have credit history, so why I will not pay this XXXX $ and let it be handled by a debt collector and why debt collector was willing to spend time and resources to collect XXXX XXXX Those things are very suspicious and Equifax never truly investigate the problem.
Consumer complaint received 2022-10-25
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. (PA)

XX/XX/2022 my XXXX XXXXXXXX XXXX credit card was charged off. In XXXX I was sent a text message about my account stating that if I made a {$65.00} dollar payment it would keep the account from being charged off. I made that payment XX/XX/2022 and the card was charged off the next month { XXXX } after saying when I made the payment the account would not be charged off. My account should have never been charged off as an account has to go 180 days with no payment before charge off and that was not the case. This is a violation of my FCRA rights and this account needs deleted from my credit file immediately.
Consumer complaint received 2019-11-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (PA)

I currently owe {$51000.00} just to SallieMae. That amount is more than I make in a year. I reached out to them because I am currently having issues with my housing situation and need to lower my monthly payment without having an adverse affect on my credit, so I reached out to them for assistance. I was told that to get any assistance I would need to go PAST DUE. I said I was trying to keep from going PAST DUE by letting them know in advance I needed assistance. I pay in total $ 2000+ in loans a month and Sallie Mae makes up about half of that.
Consumer complaint received 2024-04-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

I ordered lunch on XX/XX/year> from XXXX using Cashapp in the amount of {$65.00}. It was on a Monday. When the driver delivers the food they place it in front of your door and take a photograph of the food in front of the door. Showing it was delivered as proof. The XXXX driver just parked, took a picture of my house from inside her car from the street, marking it as delivered and left with my food, stealing it. The picture then was uploaded to XXXX. The proof is on XXXX app she did not deliver my food the picture provided by them is on the app. I opened a dispute with all the evidence including the picture she took from inside her car from the street. Cashapp denied my dispute and will not help.
Consumer complaint received 2021-04-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Kohls department store charged me late fees on XX/XX/2021 for {$64.00}. I had paid off the Kohls card months and or maybe a year prior to this and wasnt late with my payment but still got charged. I called Kohls to resolve this issue and they took off one late charge but I still had to pay {$24.00}. I shouldnt have to pay nothing because I already paid off my credit card I told the Kohls rep. I still had to pay. After all this I got a delinquent account on my Credit Report and it was from Kohls. This drop my credit from XXXX to XXXX. These bogus charges hurt my credit report that I worked hard to maintain. Please help.
Consumer complaint received 2020-10-25
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: AMERICAN EXPRESS COMPANY (FL)

I received an offer to upgrade a AMEX Blue Cash card in the mail. The offer included a waived first year {$95.00} annual fee. Both me and my wife have the AMEX Blue Cash card and similar credit scores. I signed up for the offer, but AMEX refused to upgrade my wife with the same offer. After multiple attempts to resolve this with AMEX by phone and chat, I am now forced to involve you for this discriminatory and misleading marketing.
Consumer complaint received 2021-09-22
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. (GA)

I have the rights to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). 15 USC 1681b ( a ) ( 2 ) states consumer reporting agencies can NOT furnish a consumer account without written instructions of the consumer who it relates to. I did not give anyone permission to do so which is in violation according to federal law. 

I am referring to the accounts showing in the attachments below for each credit reporting agency as well as the inquiries.
Consumer complaint received 2020-07-29
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. (GA)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of deroPlease remove these fraudulent accounts from my report as soon as possible DEPTEDXXXX   XXXX
Consumer complaint received 2020-10-25
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: SYNCHRONY FINANCIAL (OH)

I contacted XXXX  about a inquiry that i did not authorize nor give anyone the permission to use my name or credit, they keep me on hold then never come back! 

I want this off my credit asap!