davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are 4 accounts on my credit account that are not mine they do not belong to me in any way I do not shop I dont have any cards like that I have not signed or approved anything like that!!! 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2021 XXXX
Consumer complaint received 2019-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I'm submitting this complaint because I've been disputing information for my capital one account ending in XXXXXXXXXXXXXXXX and the information is not being updated correctly. I submitted a complaint with the CFPB for this issue CFP complaint # :XXXX. My credit reports were initially showing late payments on my credit report for XX/XX/XXXX and late on XXXX and XXXX of XXXX. I filed a dispute with supporting documentation. Showing I was never late and to remove those late payment from my credit report. Instead of removing them, they just shifted them over and now state I was late XX/XX/XXXX and then added additonal negative late payments to my account in an attempt to punish me for disputing and providing information that I was never late. They are also reporting I was late in XXXX, XXXX, and XXXX of XXXX. I was never late in XXXX of XXXX. I was never late the months of XXXX, XXXX or XXXX of XXXX and I was never late XX/XX/XXXX. I was never late on this account. 

I went from 3 incorrect late payments to 4 incorrect late payments. This is totally inaccurate. Please remove all of these lates payments. 

I feel this is unfair and against the law to add late payments in an attempt to punish me for disputing information on my credit report. I think they are trying to keep me a subprime borrower. I think they are trying to give me the run around for some reason. I don't get it. If these lates aren't removed I will look into legal action. 

I attached more proof of payments. Please remove these late payments. 
Proof : I downloaded the monthly statements from the capital one website. 
XX/XX/XXXX statement. Shows I had a balance of {$7.00} I also attached my payment for XXXX showing I paid that {$7.00} Balance XX/XX/XXXX Shows I had a balance of XXXX and a minimum payment of {$25.00}. But I paid more than the minimum payment and paid the full balance at that time of XXXX on XXXX XXXX.
Consumer complaint received 2017-12-18
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 (KY)

I have filed numerous online disputes with each of the three ( 3 ) Creditor Reporting Agencies ( CRA ) in an attempt to correct errors, inaccuracies and/or incomplete information for my individual credit report issued by each of the CRAs. I have also contacted and communicated with each creditor identified herein in an attempt to resolve the noted issues. 

I have attached a 3-bureau credit report dated XX/XX/XXXX issued by XXXX for reference. Due to the breadth of my issues, I will identify the credit account via reference to the corresponding page number on said report. I will further indicate which CRA I feel is reporting incorrect, inaccurate and/or incomplete information for each identified item. Also attached are four ( 4 ) Advisory Opinions issued by the FTC that i feel are applicable to the items addressed below. 

On page 3, I have a list of five ( 5 ) negative accounts. Two ( 2 ) of those accounts ( XXXX/XXXX XXXX and XXXX XXXX ) had a {$0.00} balance and were always paid by the statement due date while they were open. As outlined in the FTC 's " Advisory Opinion to XXXX ( XX/XX/XXXX ) '', it is the FTC 's view that " it is not a reasonable procedure to label an account that has been discharged in bankruptcy as 'charged off as bad debt ' if the account was open and not charged off when the consumer filed bankruptcy. The FTC goes on to state " such a designation would be inaccurate or misleading, because it would indicate that the creditor had written off the account at the time of the bankruptcy when in fact it had not done so. '' This is certainly the case with the aforementioned accounts as there was no balance due on either account at the time of filing the Chapter XXXX bankruptcy so, as a result, there was no corresponding amount for the referenced creditors to right off. 

A third account identified as a negative account and charged off includes the BBT credit card that was a joint account. Although there was a balance due on this account at the time I filed bankruptcy, monthly payments continued to be made by the statement cut-off date both before and following discharge. The account is current as of XX/XX/XXXX and is absent any late payment during its lifetime. Just in the above referenced cases, the creditor in this case did not write-off the account at the time of bankruptcy and, consequently, the creditor 's reference to the account payment status being anything other than paid/paying as agreed is inaccurate, thereby rendering reference to the account as charged-off incorrect and inaccurate.
Consumer complaint received 2021-07-13
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: EQUIFAX, INC. (DC)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me very much so. I am unable to move forward with life so that I may provide for my wife and children.
Consumer complaint received 2020-12-08
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. (GA)

I had an account with XXXX XXXX. I was a victim of racial discrimintation from this compnay. I lost my car. The company is reporting false information that I made payments in 2014 XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not make payments on these months. I asked for documentation as it pertains to these payments and never received any response. Also, they took more seven years to charge off my account after being more than 180 days delinquent in 2014. I would like for this to be noted that these people are harassing me. Also, that the account is being handled by an outside agency where they are still attempting to get money out of me.
Consumer complaint received 2019-11-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC. (KY)

I called about our vehicles cause we was couple months behind but I've been paying what I could. So I called to see if they could help me set it up where we can do a cheaper payment plan instead of one lump sum, we were a little over 700 dollars behind and I tried to explain to her what's been going on, they wouldn't even acknowledge the situation and told me I have to bring the current balance back to standards before they would help us on our situation, they were being rude and very disrespectful. 
Thank you.
Consumer complaint received 2017-12-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: U.S. BANCORP (NV)

I am seriously concerned about my XXXX XXXX with U.S. Bank. and how they handle my account Dishonestly. As I provided materials pertaining to my Bank account by Mail previously. I am asking for help investigating my account with U.S. Bank according to overwhelm funds Putting under UNAVAILABLE FUND for no reason at all. Trying to Scam me and my account of course. Thank you for any help and consideration to my inquiry. 

Sincerely : XXXX XXXX & XXXX XXXX
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2020-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

Select Portfolio Servicing erroneously processed a mortgage payment twice, which caused my checking account to be overdrawn. I called in to have it rectified. They told me to contact my bank. I called my bank and disputed the charge. The bank refunded my funds to my account and waived overdraft fee. Two weeks later. Select Portfolio put the charge through again, causing me to be overdrawn again. I contacted Select Portfolio to find out what happened. I was initially told. For return checks they automatically put it through twice. I responded, there was no additional payment posted to my account. How could this be ( my bank paid you. ) After speaking to a supervisor I was told the actual reason they submitted another payment request ( in the form of an electronic payment, though I DID NOT AUTHORIZE ONE ) was to offset a check they were going to send me. I explained the problem was previously rectified and there was no need to send a check. I was told it was already processed and once their corporate office sends them the check, they would mail it to me. 
Basically they illegally obtained funds from my checking account by submitting an unauthorized electronic payment request to cover their error.
Consumer complaint received 2022-04-02
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: EQUIFAX, INC. (IL)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. 
To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the equifax data preach and may nave gotten into the hands of the wrong person.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: DISCOVER BANK (FL)

This company has failed to comply within the required time allowed by law. Discover Bank is subject to criminal liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by Discover due to the response I received.

This company has ignored myself for months on this matter. I am gathering all of this information for further litigation. Discover is making money off me while maintaining my credit in the ruins and selling my information to third parties.
Consumer complaint received 2021-05-24
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. (TX)

Equifax has continuously and falsely verified this alleged account. Equifax have failed to provide me with any documentation of this alleged account. I have sent numerous of verification letters to both companies with no response only to find out that they are continuing to allege that the account is verified. They are also reporting the alleged account inaccurately across the board which is also a violation of the FCRA requirements. Not only is this unverified alleged account not mine but the information on the account is not the same across the board because Equifax is the only one reporting this alleged item.

( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. Also please not that a consumer has the right to extend 15 usc 1602 ( g ) and rescind 15 u.s.c 1635 Creidt. 

Also the debt collector is in violation of ( 15 u.s.c 1692g ) and 15 u.s.c 1692 e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure and punitive damages as followed by the court in an individual action up to XXXX
Consumer complaint received 2024-05-23
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

I, XXXX XXXX, have contacted Discover bank on numerous occasions since XX/XX/year> to discuss the laws that are being broken. I was never contacted back by the company. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 169lc and is pursuant to civil liability under 15 U.S.C 1692k.

Discover is subject to criminal liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by Discover due to the response I received.

Discover is in violation of 15 U.S. Code 1642. U.S.C1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was issued and then taken away without consent. Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Discover.

If Discover fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card by REMOVING FROM MY CONSUMER REPORT, I will indeed make Discover criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 16810. 


I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and this company that is making money off me while maintaining my credit in the ruins and selling my information to third parties.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-07-13
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. (SC)

I DEMAND THESE FALSELY REPORTED LATE PAYMENTS BE REMOVED FROM MY CREDIT REPORT IN REGARDS TO MY XXXX XXXX XXXX XXXX N-REWARDS CREDIT CARD FOR THESE DATES XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I have received a copy of my credit report and it shows company PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$230.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2022-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (FL)

Today is XX/XX/2022. On Saturday, XX/XX/2022, I walked inside Regions bank and deposited a check from a settlement I received. The check amount was XXXX. I asked the bank teller specific details regarding the availability and processing of my check funds. The banker printed out a Notice of Hold form that indicated a hold would be placed on my check deposit because it exceeded {$5500.00}. Additionally, the form contained the exact dates and amounts of the check disbursement. The form indicated that on XX/XX/2022, a hold would be released from a portion of the funds in the amount of {$5300.00}. It also indicated that on XX/XX/2022, the hold on the remaining balance would expire. Based on this information, I set up bills/checks to be paid against the {$5300.00} that was supposed to be available today ( XX/XX/2022 ). 
This morning after checking my account I discovered that the {$5300.00} was not deposited as promised. I went to the bank to get a resolution. I spoke with the branch manager who inquired where the check came from. I answered his questions and showed legal documents regarding my settlement. He proceeded to inform me there was nothing else he could do to release the {$5300.00}. When I asked for the reason, he said he didnt know because it was being handled by the back office. When I asked him for the back-office contact information, he said he was the last chain of command I could speak to regarding the matter. I informed him that the misinformation I received regarding the time of disbursement was creating a stressful financial situation for me. He callously showed no regard for my concerns. There was no accountability for why I was given incorrect information about the date my funds would be made available. There was zero explanation as to why my {$5300.00} is not being released in accordance with the Notice of Hold form. I have been a loyal customer to regions bank for over five years. I have never had issues with check bouncing or anything like that. I feel I am being mistreated with unfair and unsavory banking practices. I am considering switching banks after this catastrophe.
Consumer complaint received 2021-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NJ)

I let banana republic/synchrony know that i had a fraudulent charge on my account. When i first spoke to them I thought it had been handled. When I saw ( 1 ) that i was still being charged for the fraudulent charge ( 2 ) i had received some sort of letter about verifying my account info with their fraud team ( 3 ) i was getting charged late fees and such, i reached back out, i believe in early XX/XX/2021. They told me that they needed to cancel my current card and open a new one, which was fine. They also told me that because i let them know that there had been a fraudulent charge, that i would not be responsible for that charge, any fees or interest. It appears that when they opened the new card, they did a balance transfer of the outstanding balance ( which includes the fraudulent charge amount, fees and interest ) and are saying that I owe this amount. In addition, I activated my new card and when trying to use it on their own website to make purchases from banana republic brands, it has displayed various errors and i have not been able to take advantage of the rewards program. 

I would like them to ensure that i am no longer responsible for the fraudulent charge or any interest or fees associated with the charge. I also would like them to make sure i can actually use my new card. I would also like them to ensure my credit bureau reporting is accurate and does not make it seem like i am late or have an outstanding balance.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (GA)

I am writing to urgently address the removal of certain unauthorized inquiries from my credit report. Upon thorough review, I have identified XXXX inquiries that were conducted without my consent, and I have no recollection of engaging with the respective creditors. 

The unauthorized inquiries are as follows : Creditor Name : XXXX XXXX XXXX  Inquiry Date : XXXX. XXXX, 2024 I must emphasize that neither XXXX nor XXXX, prominent credit bureaus, have listed this inquiry on my report. I urge you to confirm this deletion with the bureau. Failure to do so will leave me no choice but to pursue legal action against your bureau through a lawsuit. Additionally, there are incorrect dates showing on my transitions, further verifying my claim that I did not apply for the hard inquiry. 

It is imperative to rectify this matter swiftly to maintain the accuracy and integrity of my credit report. Neglecting to address these unauthorized inquiries promptly may compel me to take legal action to safeguard my rights under the Fair Credit Reporting Act ( FCRA ). 

I trust that your agency recognizes the gravity of this situation and will take immediate action to rectify it. By expunging these unauthorized inquiries, you will fulfill your obligation under the FCRA and demonstrate your commitment to providing accurate and dependable credit reporting services. 

I kindly request acknowledgment of this letter and confirmation of the removal of the unauthorized inquiries from my credit report. Your cooperation in resolving this matter promptly is greatly appreciate
Consumer complaint received 2021-07-13
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. (SC)

I DEMAND THESE FALSELY REPORTED LATE PAYMENTS BE REMOVED FROM MY CREDIT REPORT IN REGARDS TO MY XXXX XXXX XXXX XXXX N-REWARDS CREDIT CARD FOR THESE DATES XXXX XXXX XXXX XXXX