davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Equifax is reporting incorrectly a current balance in the amount of {$1000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and there is no balance due and consequently nothing to collect and/or chargeoff. This account needs to report a {$0.00} balance. This false reporting of a balance due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-01-31
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. (CA)

In accordance with the fair credit Reporting act XXXX  account # XXXX XXXX has violated y rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2020-09-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Self Financial Inc. (OK)

I have my account set up on auto draft, and they have been taking my payment out every month, but for some reason auto pay was taking off in the system and it cause it to be 30 days late and i wasn't notified at all whats so ever. Which caused my credit score to drop 50 points, causeing me to be in a real financial bind. I'm in a process of starting a business, but because of that one late payment its going to be rough. I've made 9 on time payments with this company
Consumer complaint received 2024-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Despite my persistent attempts, a resolution to these issues remains elusive. Your firm 's response to my letter directed to the credit bureaus indicates that my request for verification of inaccuracies on my report is being labeled as " frivolous '' or " irrelevant. '' I want to underscore that I do not consider a matter of such personal significance to be frivolous or irrelevant. If my initial request to verify the items outlined in my previous certified mail is overlooked, I am prepared to elevate the matter by filing a complaint with the Federal Trade Commission against your company. Consequently, a thorough reevaluation of the following information is essential. I respectfully request validation of the alleged item, specifically the contract, note, or any other document bearing my signature. In the absence of such validation, I insist on the prompt removal of these items from the report.
Consumer complaint received 2020-12-06
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: Resurgent Capital Services L.P. (FL)

XXXX XXXX XXXX XXXX settled this account on XX/XX/2019 for {$1400.00}. The first payment was on XX/XX/2019 and subsequent monthly payments were made as indicated on the scheduled payment log, attached. These payments account for over a year of payments. 
Again, the settlement amount {$1400.00} is less than the amount ( {$2700.00} ) LVNV Funding is reporting as the correct balance owed. A false impression is created for everyone who are reviewing my credit reports. Additionally, it indicates that I am more deeply indebted than I actually am.
Consumer complaint received 2020-05-05
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. (AR)

My identity has been stolen. While I was trying to purchase my first home through a first tie homeowners program I was told when they pulled credit that there was no way I could become a homeowner with all the derogatory items on my accounts please remove them from my report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSEDXXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2020-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I recently received an email from Capital One that they were closing a credit card account I held with them due to inactivity. I immediately called them to inquire why I was not given any advance notice or an opportunity to remedy the situation and to request that the account be reinstated as it is my oldest card and I was maintaining it for that reason. I said I'd be happy to use the card, but was told repeatedly that once that decision was made there was no recourse, but I was welcome to apply for another Capital One card. In these current times of uncertainty the loss of purchasing power and the impact to my credit score will be somewhere between significant and enormous as I am  about to refinance my house. I have called them at least two more times subsequent to the first call and have gotten the same response. This arbitrary and capricious decision has undermined my trust in Capital One and has had, and will continue to have, negative impacts on my financial well being.
Consumer complaint received 2019-05-30
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OH)

On Thursday XXXX XXXX I received a notification from a credit reporting service that I use stating that one of my two accounts with Sychrony bank had been closed. The notification was in regards to my Jcpenny store card in which I had recently made a payment on. I contacted the bank for clarification as to why the account was closed and was told because a recent payment had been returned due to non sufficient funds. The reasoning on the banks part being if two payments are returned in one ( 1 ) years time then the account is automatically closed. The problem I have with that information is at that time when I was made aware on XX/XX/XXXX by one a bank I use ( 1 of 2 ) to pay on credit accounts that the payment had not cleared I investigated. I then initiated using the second account I used because that was the intended source I wanted to pay from in the beginning. That payment cleared my account XX/XX/XXXX. In the few months prior to this the payment source information for the account that the payment was made in error from had changed. My bank transitioned me to a higher tier account and with that account came a new account number and new debit card. The previous account was closed in the process of the transition. I received a letter to my PO box from JCPenny credit card on Tuesday XX/XX/XXXX it is my belief that this letter was to inform me that my account had been closed as I have not had time to retrieve it I believed it was in regards to the payment that had been made. Upon speaking with customer service I first spoke with an agent which I gathered had no interest outside of the cut dry and paste answer of finding as solution to the delima at hand I asked to be transferred to a supervisor. Upon speaking with supervisor XXXX she informed me she was sorry but that nothing could be done because of bank policy to reopen the account. This was despite a year long relationship which clearly established my ability to make regular payments when required none of those payments with me having to be perused or a collection having to be filed nor a late reporting. Supervisor XXXX was extremely willing to waive the late fee but not assist with getting the account open which made no sense and further led me to believe an underlying motive was in place. Upon calling back and speaking with customer service specialist XXXX I had been informed that a late payment fee had been refunded in XX/XX/XXXX and told that due to bank policy that only one ( 1 ) fee would be allowed to be waived in a 12 month period. She also stated that the bank will only follow one policy regarding matters of late/returned payments but I was issued a subsequent refund and told it was clearly at XXXX 's discretion to extend the courtesy. That's not one policy, and upon checking the terms and conditions I found that the returned payment policy that XXXX spoke of weren't listed in any of the language that was made available to me.
Consumer complaint received 2023-03-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In accordance with the Fair Credit Reporting Act, this creditor, has violated my rights. 

15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency Connot furnish an account without my written consent.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I contacted Capital One as I had done previously on XX/XX/XXXX, and then again sometime later in XXXX to enroll both my accounts in the covid relief program. I had done so previously in XXXX, and was told my account would not be reported further past due than it was at that time ( which was 17 days past due ). When I called on XX/XX/XXXX the representative advised me that BOTH my payments for both my accounts would be reset to XXXX  and due in XXXX. I received an alert in late XXXX that my account ending in XXXX had been reported 30 days past due by capital one ( {$180.00} ). I called them to ask why, since I was enrolled in the covid relief program, and was told I would not be reported any further past due then I was initially was ( which was not 30 days ). The representative transferred me a to a supervisor who didn't understand what was going on. The supervisor said she would submit a 'contact ' to the backoffice and have them go back and listen to the call to see what was said. They said it would take 10-20 days for a resolution. I called back again to see if there were any other payment programs available, since my husband is still out of work and receiving unemployment and the {$600.00} extra benefit will likely end soon, which would leave us unable to pay our mortgage. I was told there are no more covid relief or any other hardship assistance capital one could offer for either of my accounts. I was able to make a payment for my account ending in XXXX since the minimum payment is much smaller. Today I received a call from XXXX client ID ( XXXX ) who told me that Capital One made no error and the rep I spoke to initially enrolled my account for XXXX and not for XXXX. I explained to XXXX if she would listen to the call the representative clearly advised that XXXX 's payment would both be reset to XXXX. XXXX declined and advised there was nothing she could do to help me, and told me I had to pay {$790.00} by XX/XX/XXXX and since they had no financial assistance programs there was nothing else she could do, and asked if there was anything else she could do to help me. Meanwhile, Capital one still advertises on their website that if you're having trouble making payments they have 'help ' available. They have not kept their word by not honoring the terms of the initial covid relief, and reported both my accounts negatively to the credit bureaus. Unlike my other creditors, capital one doesn't send you any documentation when they've enrolled you in a covid program., but I have a attached the screenshoot when I log into my account where they advertise they are here to help, but are really not.
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: REGIONS FINANCIAL CORPORATION (LA)

Regions Bank has repeatedly placed a multi-day Hold on my VISA Business Credit Card 's amount of Credit AFTER payment of the Statement Balance has transferred to Regions Bank. Most recently a 7-Day Hold was placed on the VISA card 's Credit between payment on XX/XX/XXXX XXXX through XX/XX/XXXX. I presented proofs of transfer as of XX/XX/XXXX from the XXXX XXXX of full Statement Balance payment of {$4900.00} to the Regions Bank local Branch and to Regions Bank online customer service. Regions Bank employees were sympathetic, but their superiors in the upper offices of Regions Bank would not lift the Hold. The Hold lasted till XX/XX/XXXX. It caused many problems for my wife 's and my XXXX XXXX XXXX XXXX XXXX 

Regions Bank had placed a similiar, irrational Hold on funds the previous XXXX. 

I think this Bank 's practice of such Holds might be akin to Regions Bank 's misrepresentaton of customers ' account-balances and hence R B 's collection of Overdraft Fees. Compliments to the CFPB for twice catching Regions and compelling the XXXX {$56.00} million and XXXX {$190.00} millions penalties. Please call if any more information is wanted. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX mobile
Consumer complaint received 2020-05-05
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. (MI)

XX/XX/XXXX XXXX XXXX XXXX Balance : {$2500.00} THIS IS NOT MY ACCOUNT. My identity was stolen and used to attain phones. This had been settled with Equifax and is still showing on there. 

XX/XX/XXXX XXXX XXXX XXXX Balance : {$8500.00} THIS IS NOT MY ACCOUNT. 

HARD INQUIRIES that I did not do nor authorize on my Equifax report : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX HARD INQUIRIES and accounts that I did NOT authorize on my XXXX report : XX/XX/XXXX XXXX XXXX XXXX : {$3600.00} THIS IS NOT MY ACCOUNT INQUIRIES : XX/XX/XXXX XXXX ( I wasnt even in the USA ) XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-01-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

I was charged {$120.00} for a year of web subscription of the XXXX  XXXX the was never authorised by me. I cancelled that the same day I say the charge. It is still being posted as purchase and I never reined the refund as promised.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX XXXX XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt.

Item # 2 : I dispute XXXX Balance {$0.00}, account XXXX. This account is paid in full and was paid as agreed. I have attached payment history. is not mines. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 3 : I dispute XXXX  XXXX XXXX XXXX {$24000.00}, account XXXX. This payment history is wrong. I have attached payment history XXXX  XXXX XXXX agreed to. Please delete this account. XXXX  XXXX XXXX did not report this account correct for more than a year.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items.
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Consumer complaint received 2020-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2020 I made a purchase on e-bay in the amount of {$32.00}. On or about XX/XX/XXXX I filed a written dispute with Capital One. I was given a credit for the full amount of {$32.00}. I heard nothing more from Capital One. On XX/XX/XXXX my account was rebilled for the {$32.00}. Federal law provides that the credit card company must resolve the dispute " within two billing cycles, but not more than 90 days from the date of the dispute ''. Rebilling my account on XX/XX/XXXX exceeds the 90 day provision in the law. Capital One is NOT permitted to rebill my account.
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Law Offices of Robert J. Colclough, III (CA)

ALLIED COLLECTION SERVICES OF CA is reporting a collection for {$9500.00} from XXXX  XXXX  XXXX for supposedly sold them unpaid balance on this account. I never signed a contract to purchase or lease any vehicle from XXXX XXXX XXXX ... .Allied credit services went on to further provide a copy of the " contract '' that forged my signature and LACKED a date on the contract provided a driver 's license of a person with a similar name to mine but NOT me! YET they dared to report it to my credit for years. XXXX XXXX XXXX refused to provide any documentation to me directly due to the fact that they did NOT have any contracts with me, in my name to my social or to my dr license. ALLIED COLLECTION SERVICES IS GUILTY OF FRAUD, VIOLATION OF FAIR DEBT COLLECTION PRACTICES ACT, AND F.C.R.A. ....
Consumer complaint received 2020-10-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Charleston Area Medical Center (WV)

Healthcare Financial is showing up on my credit report so I gave them a call. I paid one amount that was on my report on XX/XX/2020. The woman said I had other debt. I said I had not received any notification of any debt and would like to see something in the mail or set up payment arrangements. She disregarded what I said and never attempted to help me. My ex husband and I are divorced. I was a XXXX  XXXX  XXXX  XXXX  and our children were under his insurance since he was employed. Instead of trying to help me, she went and out and something else on my credit report and I received notification from a credit monitoring service. I have not once received anything in the mail from them. I am divorced and moved and she did not ask about my new address or seem to care. Furthermore, I am not liable for these medical bills, my ex husband is.
Consumer complaint received 2017-08-07
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. (CT)

I requested all3 copies of my credit reports. When I received then there was multiple errors on all3. I called and corrected most of the information. Such as addresses.. Mispellings of XXXX.. Ss numbers that wet not mine. Etc. I also found an account that was not mine and got that deleted. The problem I 'm having. Is I have inquiries on my repirt that are still not mine. I contacted XXXX. Transunion and XXXX. Along with the actual companies and no-one is helping me. I know my rights as a consumer and sent proof of identity theft. I put several alerts on my credit reports and still this inquiries are there. These are the ones from XX/XX/XXXX to XX/XX/XXXX. I gave no permission for these to be on my report. According to the FCRA rules these must be andresponded back to me. Since the letter I sent wad only4 days apart. I know an investigation was not done. I plan on purchasing a home later this year and with all these on my report it shows that my credit worthiness is not good and a sign of financial trouble. that is not fair to me because these are not my enquiries. I am submitting this report due to lack of Investigation on my hard inquiries that were not done by me. I did not sign for anything. These are unfair practices by a credit reporting agency with no concern. For the credit worthiness of the consumer
Consumer complaint received 2017-08-07
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Navient Solutions, LLC. (VA)

I am currently working with XXXX XXXX XXXX to work on paying this account. They call at least 5 times a day, usually late at night and during all hours of every day, even during the weekend. They have called my brother ( XXXX from XXXX on XXXX-17 ). This is unacceptable and I am unsure why they are calling my sibling, regarding my account,.
Consumer complaint received 2020-05-05
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (MA)

I see multiple 30 & 60-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.