davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (MA)

I see multiple 301500 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-07-21
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was shocked when I reviewed my credit report and found late payments on the company accounts : CAPITAL ONE XXXX and CAPITAL ONE XXXX. 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 checked 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 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (NJ)

Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccurate information : 1. The inquiry was not authorized BARCLAYS BANK DELAWARE Inquiry Date : XX/XX/2024 Please remove this inaccurate information from my credit report. 
2. The inquiry was not authorized XXXX XXXX Inquiry Date : XX/XX/2024
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 2017-08-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

HSBC Beneficial offered to enroll me in their " Skip a Payment '' program for the month of XXXX 2008. I accepted and asked multiple times in person in the XXXX, Virginia office if I needed to make a payment. They told me no. I asked them again if my account was still okay when I went into the same office and inquired about refinancing my home loan through them. They said it was still in good standing. I declined their offer for refinancing my house when they said it was going to have a XXXX percent interest rate. I also asked them if it would alright for me to make both my XX/XX/XXXX payment, which was n't due at the time, and XX/XX/XXXX payment two weeks later. Again, they told me that it would be fine and that my account was still in good standing. Two weeks later, I get a letter from HSBC Beneficial and XXXX XXXX XXXX instructing me to not go into the office and that my account had been turned over to collections. I originally thought this was in retaliation for declining their home refinance offer. It was n't until 3 years later of dealing with XXXX XXXX XXXX that I found out HSBC had charged me for the month of XXXX 2008 and treated it as a non payment. This also coincided with the company I worked for, XXXX XXXX, entering the final month of liquidation thus negating the " account protection '' for which I had been paying for years. XXXX XXXX 's closing was made very public and it seems convenient for HSBC to put my account in collections the same month. Apparently, the account had changed from the XXXX, Virginia office to the XXXX, Virginia office in XXXX of 2008. Again I did n't find this out until many months after discussing options with their collections agents XXXX XXXX XXXX. They told me in person that my account was in good standing and still sent it to collections
Consumer complaint received 2017-08-01
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. (CA)

I finally found my BK papers, so TransUnion has nowhere to hide. XXXX XXXX was on my bk like I said before.
Consumer complaint received 2021-03-03
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My debit card from Bank of America that my Unemployment is deposited to has been frozen for no reason for over a month. I have {$9000.00} in my account. There is nothing wrong with my EDD unemployment account. I have had my State Assemblyman helping me with this, to no avail. Four different requests have been submitted to unfreeze my account, to no avail. I have sold everything I own, and I cant provide for my family. This is so urgent I cant stress how important this is to get resolved. Please help me.
Consumer complaint received 2020-07-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NC)

I have requested for Ally Auto to adjust my monthly payments due to hardship ( change in work and economics ). I spoke with someone in XX/XX/2020 and they advised me after 14 successful full payments I can request a loan modification. So I did in XXXX and also due to COVID-19 they offered an adjustment for payments or a kind of Forbearance for 90 days so I requested both and after calling in XXXX, XXXX and XXXX to find the status they sent me letters with approvals for both which I have attached. 

Now in XXXX I have checked the amount due and it does not reflect the amount that my wife, I, and the Rep from Ally Docusigned about the modification of the loan amount due monthly. They didn't make any adjustments and are reporting to the credit bureaus that I am 90 days late, not honoring the COVID-19 Forbearance arrangement.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2021-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Good morning! I opened Quicksilver  Credit card with Capital one onXX/XX/XXXX upon seeing their promotion of 200 $ bonus ( after spending 500 $ in the first 90 days ). I applied on Capital one website and was approved. On XX/XX/XXXX I called Capital one to verify if I reached 500 $ yet to get the bonus. Capital one representative told me that I was not approved for 200 $ bonus when I applied. In my opinion this is not fair. I have good credit score, never missed even one payment on any card that I have, this is my second credit card with Capital one. I also have a checking account with them. And most importantly amid Corona  virus pandemic I was counting on this bonus. They should not advertise this promotion. I have never heard that the company would approve you for a card but not for a bonus that goes with it. Please look into this further. Thank you!
Consumer complaint received 2020-07-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is  being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2021-03-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: KEYCORP (CT)

On XX/XX/2019, I wired XXXX dollars to a scammer to XXXX  XXXX  XXXX but I realized it was a scam a few hours later. Called key bank customer service and they said the money is in transit because it was international, it took a day to get there. I was told it had been taking care of, no worry and next time be careful. In reality the customer service did not take action to inform their XXXX  XXXX  XXXX or any bank departments to coordinate this matter. All they did was froze my domestic KeyBank account and put a note on it, I was told I did not need to do anything. Days gone by, About 2-3 weeks later finally I was told the money was gone when I went to the branch where I wired the money to ask. 

On the receipt the fund would not be ready to withdrawal before XX/XX/XXXX. 7 days holding period ( please see the attached file 1 ) Key bank was informed the transfer only a few hours ( XXXX starts the wire, before XXXX reported the case ), key bank did not make any effort to protect me as a customer, they claim money is out their door it is not their business so they do not have to do anything. 

I wrote formal complaint to KeyBank Corp, and tried to contact them many times. their answer was not their problem after the money is out their door 30 minutes.
Consumer complaint received 2020-07-21
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: Risecredit, LLC (FL)

Someone got a {$5000.00} loan under my name with company/bank called RISE (  which is somehow related to XXXX  ). 

This is hurting my credit really bad. My score is down close to 200 points ( so far ),  other banks are closing my credit cards or lines of credit, I am not able to get a loan ( not even the COVID 19 disaster recovery loan ). 

I've called this bank more than 10 times and sent emails. Their response is always that the person in charge is not available or the fraud department is close ( no matter at what time I call ). I am only able to talk to customer support reps who are not capable of doing anything about it. 

I've tried disputing the case with the credit bureaus/agencies and the only thing they do is call the bank ( RISE ) to confirm the loan and nothing else. 

Please HELP!
Consumer complaint received 2024-02-29
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: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. 
XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. I am submitting this complaint to you today to request that Experian run me copies of documents bearing my signature to prove the status of the disputed account. If they unsuccessful to comply with the condition and continue the reporting of the disputed account, please realize I will pursue legal action. I need the account corrected XXXX : XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Date XX/XX/XXXX
Consumer complaint received 2022-03-29
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: JPMORGAN CHASE & CO. (MD)

In XX/XX/XXXX, I was XXXX to XXXX, XXXX and forward XXXX  to a hostile zone ( orders attached ) during that time JP Morgan Chase reported that I had been late for a {$12.00} dollar credit card bill. I was not aware nor able to know that the bill was past due since I had no form of communication and did not receive a letter. In XXXX, the National Defense Authorization bill included updated language in the FCRA which " extends consumer credit protections to XXXX XXXX armed and uniformed consumers to dispute adverse actions or inaction on their credit report that occurred while they were in a XXXX XXXX, aboard a XXXX vessel, or away from their usual duty stations. I had requested through JP Morgan Chase to remove the item and through XXXX and XXXX and XXXX however they said that the bank verified it was valid. the credit bureaus did not take into account the new updated fcra guidance and solely went off of what JP Morgan Chase had reported to them.
Consumer complaint received 2022-04-03
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. (TX)

XXXX XXXX failed to send me in writing why I still have a balance on a closed lease contract. The lease was paid in full for the 3 year term and turned by in on time! I have talked to several reps to no avail. They put incorrect information on my credit report which caused my score to drop. I never received any letters saying what the charges were for? Also 3 years later it slapped on my credit report because the debt was sold. This is so wrong and unfair.
Consumer complaint received 2019-03-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

TOYOTA MOTOR CREDIT Account number XXXX .... is reporting this account on my credit report wrongfully as charged off and with the balance. This vehicle was totaled due to accident, Toyota received full payment from my insurance company, they never called me or sent me a bill now I just noticed that on my credit report they are reporting this as a CHARGE OFF AND WITH OUTSTANDING BALANCE OF {$1700.00} as of XX/XX/2019 WHY ... I called TOyota several times only to be transferred all over the place telling me they could not find my account but if I see a balance that I should pay them. THey keep telling me they are ready to take my payment but won't tell me why or to which account they would apply this to. I was even told to send in a check and they will figure it out .... this is ridiculous. In a meanwhile my credit is suffering I have no other negative account except this one. WHy I can't get justice for this ... please help
Consumer complaint received 2016-12-06
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ERC (IL)

Sent a certified letter to ERC on XXXX informing them of the Fair Debt Collection Practices Act, 15 USC 1692c, 805 ( c ) The letter was picked up on XXXX. Received another collection letter from them dated XXXX, in direct violation of above.
Consumer complaint received 2016-03-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (AZ)

I was advised months ago the debt no longer exists. I have an actual bill dated XXXX XXXX, 2016 showing I have a XXXX balance acct with XXXX XXXX. These collection folks have ignored my communications for many months and now are hurting my credit for a debt I do not owe. They must be stopped and sanctioned, please
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. I am submitting this complaint to you today to request that Transunion run me copies of documents bearing my signature to prove the status of the disputed account. If they unsuccessful to comply with the condition and continue the reporting of the disputed account, please realize I will pursue legal action. I need the account corrected XXXX : XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Date XX/XX/XXXX
Consumer complaint received 2020-07-21
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Santander Consumer USA Holdings Inc. (FL)

Purchased an automobile financed by Santander. Paid off off loan within loan time terms. Filed for bankruptcy and followed all procedures required by Bankruptcy court and it was discharged. Notice of meeting of creditors was delivered to Santander of whom which did not respond. Bankruptcy court discharged all debt 's and finalized procedure. When contacted Santander, representative was extremely rude and informed me that bankruptcy did not include Santander 's interest in vehicle and thereby would not release title. This bankruptcy was discharged in XX/XX/XXXX-XX/XX/XXXX. I believe that Santander is holding release of title on this vehicle illegally. The full principle and interest amount was paid in full. They are holding title for unconfirmed late fee 's during the loan term which were discharged in bankruptcy. Very " strong-armed '' and determined to try to convince me that the bankruptcy would not include them, even though representative acknowledged that they were aware of the process by the court. {$750.00} of late fee 's. Extremely rude and condescending representative, XXXX-operator # XXXX, transferred me to another rep, of which I was placed on hold for 10 minutes, as she was unwilling to consider facts of bankruptcy.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX, XXXX , & Equifax are reporting late payments that are incorrect. I was not indeed late and they have provided no evidence to prove that I was late. Furthermore I can not be late on an account that is funded with a security that is my financial asset.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion, XXXX XXXX XXXX XXXX are reporting late payments that are incorrect. I was not indeed late and they have provided no evidence to prove that I was late. Furthermore I can not be late on an account that is funded with a security that is my financial asset.