davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-20
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: EQUIFAX, INC. (OH)

Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XX/XX/2021, via certified mail. Submitted information indicating the inaccuracies, however, the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Consumer complaint received 2020-02-17
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: BARCLAYS BANK DELAWARE (NV)

On, XX/XX/2019, I noticed that there was an account that was reporting to my credit that I had not opened or authorized anyone to open in my name. I contacted Barclays via mail with no response from them initial. It took SEVERAL attempts and SEVERAL phone conversations to have someone in their fraud department look into this account. I received Barclays response, dated XX/XX/2019 a few months later, stated that I was not responsible for the fraudulent account. 

I noticed that Barclays still had the inquire on m credit report from when the fraudulent account was open. Im not responsible for the account, so I'm not responsible for the inquiry one would think. 

I sent a SECOND request to Barclays asking for the removal of the inquiry to be removed attaching the letter they sent absolving me of the account. Barclays response was very auto generated since they would've seen the account notes, Im assuming.
Consumer complaint received 2022-09-16
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 (FL)

I recently applied to a Capital One XXXX credit card. I was denied for no reason and no explanation, which makes absolutely no sense. I have a XXXX credit score, have not applied to any credit cards recently. I'm below the thresholds for inquiries, so there is no reason to deny. 

I am planning on traveling and I believed Capital One XXXX is the right choice for myself. I have credit cards little to no balances, great income and excellent credit and to be treated unfairly and unjust with no negative reporting on my report and a high credit score is outrageous and seems discriminatory. 

I tried calling reconsideration line asking for explanations and a reconsideration even by moving balances around if that is what was required, and they were absolutely no help and said to reapply again. This is very unethical on their side. Why would I reapply when that will count as another hard inquiry, and they can reconsider. I would be happy with the credit card for its travel perks and want to be reconsidered. But this makes me lose faith in this bank for treating me unfairly. I feel I'm being discriminated by my age, which is unfair. I demand a response and a resolution. Thank you.
Consumer complaint received 2022-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Collection Systems, Inc. (AL)

I RECEIVED A LETTER AND SEVERAL CALLS FROM NATIONAL CREDIT MANAGEMENT IN REGARDS TO AN ATTEMPT TO COLLECT AN ALLEGED DEBT IN THE AMOUNT OF {$950.00} ON BEHALF OF XXXX XXXX XXXX UNIVERSITY. I SENT A CEASE AND DESIST PURSUANT TO 15 USC 1692C ( C ) ( 2 ) AND THE ORIGIAL LETTER THEY SENT ME REQUESTING DEBT VALIDATION. I OWE NO SUCH OBLIGATION. IF THEY CAN NOT RETURN FULL DISCLOSURE IN ACCORDANCE WITH 15USC 1681G AND ALL OTHER DOCUMENTARY EVIDENCE IN ACCORDANCE WITH 15 USC 44 I CAN NOT VERIFY AND THERE CAN NOT BE ANY CLAIM OF ALLEGED DEBT IN NAME OF MY PRINCIPAL OBLIGATOR. OTHERWISE, MY CONSUMER RIGHTS ARE IN VIOLATION AND I WILL SEEK REMEDY
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

Pennymac Loans # XXXX is reporting a late in XX/XX/20 that I should not have. This late was a fault of XXXX XXXX as I kept trying to call and make the payment by phone and by doing it online, but they kept giving me the run around because their website was not working. This is not my fault and I shouldn't have a late.
Consumer complaint received 2021-05-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. We are at almost 70+ daysThe items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. Medical bills are not to be shown on a consumer transaction report per 15 U.S. code 1692 ( g ) medical bill and/or personal information should not reflect on my credit report. This is a violation.
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NY)

I mailed a request to Experian, XXXX and XXXX to remove the fraud alert on my account. The letters were received on XX/XX/2020 ( see attached receipts ) As of today I still see the alert on my report on all 3 bureaus.
Consumer complaint received 2022-09-16
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. (TN)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, and XXXX  XXXX XXXX XXXX XXXX Account # XXXX, have 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 agency can not furnish a account without my written instructions According to my credit reports XXXX XXXX XXXX, XXXX posted on all three credit bureaus that account # XXXX had been placed for collections on XX/XX/2022. I was not notified from XXXX XXXX  until XX/XX/2022 that the account was sold. XXXX XXXX XXXX, XXXX did not notify me until XX/XX/2022, but had already opened the accounts under collections.
Consumer complaint received 2022-09-16
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. (TN)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, and XXXX  XXXX XXXX XXXX XXXX Account # XXXX, have violated my rights. 

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5 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 agency can not furnish a account without my written instructions According to my credit reports XXXX XXXX XXXX, XXXX posted on all three credit bureaus that account # XXXX had been placed for collections on XX/XX/2022. I was not notified from XXXX XXXX  until XX/XX/2022 that the account was sold. XXXX XXXX XXXX, XXXX did not notify me until XX/XX/2022, but had already opened the accounts under collections.
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I had an auto loan with XXXX XXXX  and it is now Paid in Full as of XX/XX/2020. I received a letter from XXXX XXXX  confirming and verifying that my auto loan is now paid in full however, it is not reflecting on my credit report as paid in full.
Consumer complaint received 2021-05-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America responded to my complaint without any evidence that they tried their best to solve this issue. I highly doubt that they even read my complaint fully. From their respond I understood that my intended recipient XXXX XXXX have received money that I have sent through XXXX on XXXX XXXX. Bank of America responded that they have contacted to XXXX XXXX XXXX XXXX to retrieve the money however they confirmed that the intended recipient, XXXX XXXX have received the money. Also they responded that, they have done everything right and executed transaction as I instructed and I shouldnt send money to someone that I dont know. First of all, XXXX XXXX is my legal spouse and I have sent our marriage certificate to Bank of America after their response to my complaint to prove that. And if they read my complaint I have written about it in my initial complaint letter Second, XXXX XXXX, my wife does not have account in XXXX XXXX XXXX XXXX and she never received the money. This is so illogical to go trough all this hassle if she already received the money on my side. This doesnt make any sense how they confirmed it. I can provide her contact information if they want to make sure my wife XXXX XXXX havent received the money and she doesn't have any account at XXXX XXXX XXXX XXXX and never ever had one. She has couple bank accounts with Bank of America. I also sent them police report which I tried to seek my local town police department help after I realized how useless is our financial institutions like Bank of America on helping me out and retrieving my money. That money supposed to be our mortgage payment and suppose to go to my wife, XXXX XXXX and it never did. Instead someone who has account at XXXX XXXX XXXX XXXX and owns my wife 's old phone number received it. He made sure that he is not willing to give the money back after our local police contacted to that person.
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SOFI TECHNOLOGIES, INC. (CA)

I received a referral link from friend and apply for checking & saving account with SoFi. The referral page is " XXXX XXXX XXXX XXXX XXXX XXXX ''. On the advertised page, it said " For a limited time, get {$25.00} when you sign up for a SoFi Checking & Savings account and deposit at least {$50.00}. '' I followed the requirement to open the account on XX/XX/2024 and deposited over $ XXXX within 30 days which meet the requirement. So far I still have not received anything from SoFi. I contacted them today on XX/XX/XXXX and was told that the deposit has to be made within 14 days which is not listed clearly on the page.
Consumer complaint received 2022-09-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CO)

Sent a transfer about {$1700.00} on XX/XX/2022 via Venmo. Venmo reported transfer complete, but recipient never received funds. Venmo then acknowledged it has funds but can not transfer to the recipient. Refused to reverse the transaction and refund funds to the sender, claimed department who could do that can not be reached by phone.
Consumer complaint received 2024-03-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: DIGITAL FEDERAL CREDIT UNION (IN)

I had recently opened a Checking, Savings, and Credit Card Account with XXXX. On XXXX I discovered that my account was locked, so I called into customer service and told my account was under review and to call the following Monday to speak with department in charge of my review. I called XX/XX/year> told under review but not why nor when would be resolved. I believe I called one other time between XX/XX/year> and today. I tried chat agent today who told me to call into customer service. I just called into customer service and again wasn't told why my account is under review, didn't get to speak directly with the department doing the review, and didn't receive a timeline for this to be resolved
Consumer complaint received 2020-12-04
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MO)

I WANT TO PRESS CHARGES AGAINST XXXX THIEVES AT XXXX XXXX THAT STOLE MY HOUSE! Do I have to go to the police? The criminal financial protection bureau has closed a complaint that IS NOT RESOLVED. The cfpb has done nothing to stop the outright THEFT. Of my house, {$730000.00} payments and ANOTHER {$250000.00} from MY proceeds. {$730000.00} pays all of the XXXX interest reported, all of the XXXX balance of the first. XXXX of second mortgag XXXX for XXXX escrow. 

It wasnt enough to charge me an extra {$100000.00}. They TOOK {$250000.00}. More. 
Select portfolio servicing basically stole my house. 

When they modified the loan there was no settlement statement or truth in lending statement IT WAS NOT A NEW LOAN. and all of my payments count. I dont care what the servicers did. It only matters WHAT I DID.
Consumer complaint received 2022-04-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was shocked when reviewing my credit report and found a 30 day late payment reported for XXXX of XXXX. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.
Consumer complaint received 2024-03-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (LA)

I thought I was making a purchase of a truck from a friend on XXXX. I sent the deposit for the truck by Zelle through my bank app. After I sent the money I contacted my friend to go look at the truck and was told she was hacked on XXXX and XXXX. So my money went to someone else. We did not receive the item or the money back. It was XXXX. I contacted my bank and they said that they do not refund any Zelle claims because I initiated it. Which I did, but it was a scam. Zelle will not refund it either because it is through the bank app. I don't know what to do. My bank is XXXX XXXX.
Consumer complaint received 2021-05-02
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have reviewed a copy of my credit report and I show company CAPITAL ONE account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2021-10-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION (MI)

I borrowed money from XXXX [ XXXX ] bank about a year ago. I refinanced my home and secured money to pay off balance of said loan. On XX/XX/2021 I requested a payoff. The amount given was good till XX/XX/2021. The mortgage company I have, sent a check for {$1000.00} over the amount due to payoff the loan before XX/XX/2021. XXXX took the check paid off the loan and took an additional monthly payment and sent back a check for {$400.00}. 
I need help to get my full overpayment returned to me.
Consumer complaint received 2020-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (MA)

Im a little confused about how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of the consumer to dispute information directly with the furnisher. My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late., Listen, basically I was shocked when I reviewed my credit report today and found late payment 2 times this year 2020 for 30 days late. The bank was closed that only drive-thru transactions for cashing check and withdrawals were accepted. I wasn't sure that during these tragedic time your organization was marking people late. I finally setup only account where it showed that the money were sent to ELAN financial services and it's impossible for me to be late. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2021-05-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I have reviewed a copy of my credit report and I show company XXXX  XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2021-03-28
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)

I sent disputes letters to all 3 bureaus XXXX, Experian and XXXX about incorrect and invalid information on my credit reports. They have failed to respond to me. I sent a demand to comply letter to all three in hopes of getting a response.
Consumer complaint received 2022-09-16
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: EQUIFAX, INC. (MI)

As of XX/XX/2021 XXXX XXXX was named an entity in my finalized divorce decree as solely the responsibility of my ex husband. After the divorce decree was provided to both him and I we both informed the company of this. After 12 months the company has updated the account on my credit report as active, open and 120 days past due. This should not be on MY REPORT! This became solely his debt. I even provided the company and all 3 credit bureaus with the decree supporting this statement and nothing has been done. The bureaus just report back as verified with no explanation. In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX, has violated my rights.. 15 U.S.C 1681 section 602 A states I have the right to privacy and any consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Since this account name CAPITAL ONE Account number XXXX Date opened XX/XX/XXXX appeared on report I have been requesting validation. This company has refused to provide validation and has stated that the account was verified. According to the FCRA the company has to provide with validation of this debt. This account is now showing charged off. {$620.00} written off. {$580.00} past due as of XX/XX/XXXX. And the last status updated XX/XX/XXXX with a Balance of {$580.00}. 
Balance updated XX/XX/XXXX.
Consumer complaint received 2022-09-16
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. (MI)

As of XX/XX/2021 XXXX XXXX was named an entity in my finalized divorce decree as solely the responsibility of my ex husband. After the divorce decree was provided to both him and I we both informed the company of this. After 12 months the company has updated the account on my credit report as active, open and 120 days past due. This should not be on MY REPORT! This became solely his debt. I even provided the company and all 3 credit bureaus with the decree supporting this statement and nothing has been done. The bureaus just report back as verified with no explanation. In accordance with the Fair Credit Reporting Act convergent XXXX XXXX XXXX, has violated my rights.. 15 U.S.C 1681 section 602 A states I have the right to privacy and any consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-16
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. (TN)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, and XXXX  XXXX XXXX XXXX XXXX Account # XXXX, have 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 agency can not furnish a account without my written instructions According to my credit reports XXXX XXXX XXXX, XXXX posted on all three credit bureaus that account # XXXX had been placed for collections on XX/XX/2022. I was not notified from XXXX XXXX  until XX/XX/2022 that the account was sold. XXXX XXXX XXXX, XXXX did not notify me until XX/XX/2022, but had already opened the accounts under collections.