davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I decided to pay off my XXXX Capital One card. My automatic payment was due at the time I also sent the final payment. The final payment was for XXXX XXXX The payments both posted on XX/XX/2021 from my bank account before the due date as I requested. The mistake I unwittingly made was to also close the account. Apparently if you close your account and pay it off just before, they take your money but wont give you credit for it. Therefore, Im notified of my account I just paid over XXXX on is somehow delinquent.. even with the automatic payment posted. When I call Im assuaged with, dont worry, this is a known problem in a couple days call back to see if its resolved. This isnt reassuring. Im told that I must once again jump threw the hoops of their automated system in order to talk to a competent representative. That I can in fact NOT count on them to do me the courtesy of calling back or emailing me. But I concede and call back in a couple days to have to explain the entire debacle again to a heavily accented young man who starts asking for my banking information and wants me to fax my bank statement in as proof I paid the bill even though he can see that I did as he told ME the amount I had paid. I then requested to speak to a supervisor. She was more clear, but seemingly confused and unable to fix the problem herself as well. I had to send in screenshots of my posted payments and I was told I would receive a provisional payment and that my credit report would be corrected. None of this has happened. I am advised by my financial advisors that I can seek legal counsel as this is definitely grounds for a lawsuit. It is XX/XX/XXXX, and I will call them again tomorrow.
Consumer complaint received 2022-07-23
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. (NC)

Subject : Incorrect personal information To Whom It May Concern : I recently reviewed my credit report and noticed you have incorrect personal information in my file. Please use the documents Ive provided to update my correct full name and address. Also, please remove any names that dont match my ID. Please remove any addresses that dont match my current and valid address.

I have included the following information : Copy of my photo ID Proof of current address Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumers file is inaccurate. 


Under the Fair Credit Reporting Act, you have 30 daysto resolve a dispute. If the item can not be verified by the creditor within the time frame, it MUST BE be removed from the report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-10-30
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: Experian Information Solutions Inc. (OH)

There are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I am not an attorney or a third party rep. I have a legal right to dispute the following accounts : -XXXX XXXX # XXXX -XXXX XXXX XXXX XXXX -CXXXX XXXX XXXX, XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX # XXXX -XXXX # XXXX -XXXX # XXXX -XXXX # XXXX -XXXX # XXXX -XXXX # XXXX -XXXX  # XXXX -XXXX # XXXX
Consumer complaint received 2020-11-22
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. (NJ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XXXX XXXX XXXX : XX/XX/XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX - CARD SERVICE XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2020-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2021-09-15
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. (PA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The Experian Credit Bureau is failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of UNCONFIRMED information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please reinvestigate the whole information especially the account type, date opened, balance, comments, and payment history. This information seems to be misleading. This will need to be updated pronto. 
XXXX SELF-REPORTED XXXX
Consumer complaint received 2021-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc. (OH)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-02-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2020 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 Im being take advantage of and being ignored of my disputes. Section 611 ( a ) It 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 litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-11-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

I bought furniture from XXXX XXXX, in XXXX XXXX, Florida. The promotion was for " two years financing, interest free ''. However, that didn't prove to be the case. 

I've been paying off the purchase for several months. In XX/XX/2020 I made my monthly payment, which left a balance of {$980.00}. The next month, in XX/XX/2020, my statement came and showed a higher monthly payment ( which I paid ) and a much higher remaining balance, {$2200.00}. I also called XXXX XXXX to ask why the payment and balance increased. They said it was an accounting error and that it would be fixed in the next billing cycle. 

In XX/XX/2020 the next statement arrived and showed an even higher remaining balance, {$2200.00}. Once again I called XXXX XXXX and once again I was told it was an accounting error but perhaps the finance team did have time to resolve it before the XXXX bill went out. 

In XX/XX/2020 the next statement arrived and showed a still higher balance, {$2300.00}. Once again I called XXXX XXXX and had a long conversation with the customer service agent, but they were not able to explain why the balance continued to increase. I offered to make a payment on the {$980.00} balance from the XXXX statement, plus any interest that may have accumulated since XXXX. The XXXX XXXX customer service agent said that would be a good idea but the finance team would " open a case to further investigate the account ''. XXXX XXXX received that {$980.00} payment on XX/XX/XXXX. 

Earlier today the XX/XX/2020 statement arrived, which credited the {$980.00} payment but still left a balance of {$1300.00}. 

To this day, despite me asking them multiple times, I have never received a text, email, or paper mail from XXXX XXXX, explaining why the account balance jumped from {$980.00} to {$2200.00}. 

I would like the CFPB to investigate this seemingly deceptive credit practice and help mediate a credit situation that XXXX XXXX is apparently unable or unwilling to resolve. 

Thank you!
Consumer complaint received 2020-11-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (WI)

My son sent me money he owed me. Paypal received the money but they would not release it to me ( deposit in my bank account of record ). I pestered them about it and they sent me an email saying I had to send them my DL, copy of tax return and bank statement. I stupidly did so, and then I get an email saying I broke their term of usage and could not use their service. I tried to close my account because I did not want them having my banking information anymore and I can't close my account. They say there is a problem with my account ( that they cancelled )! I have tried dozens of times to contact their customer service and all I get are robotic replies. I just want to close my account.!!
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX, i went to Sams club to open up a membership. The cashier was in a rush and frustrated because the register XXXX were not working. She very fast started explaining the benefits to the regular membership and the plus. I went for the plus membership since it seemed like the better option. A few days later i got a notification from XXXX XXXX  saying i opened a credit dual card and i was not aware that what i got was a credit card. I do remember the cashier telling me to input my social security and annual income and that i could lie on it that it dosent matter and she dosent know why it asks. So i figured it was just a policy for me to input both but now it affected my credit score and i did NOT want a credit card nor did I know i was applying for that.
Consumer complaint received 2021-02-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners (CA)

I was hospitalized in Virginia at the XXXX  XXXX XXXX ( XXXX ) in XX/XX/2018 while visiting family. I have health care insurance through XXXX XXXX XXXX but based in southern California. XXXX accepts XXXX XXXX but they had to create a temporary ID for use through XXXX based in Virginia. They had put in my California XXXX ID instead of my Virginia ID and that's why it appeared that I didn't pay my debt. The amount of my bills are {$1300.00} and {$55.00}. 

I called XXXX two years ago and gave them my XXXX information and XXXX information and they said I did not owe any debt to them for the hospitalization as it was completely covered by my insurance. For some reason this debt was sold on to Pendrick Capital Partners II who keeps sending me letters in the last couple months in the mail and calling over the phone pursuing this debt that I do not owe. 

Can you please advise what needs to be done to prove to them that I do not need to pay them any debt especially as XXXX  XXXX XXXX themselves do not believe I owe them any debt and end the endless harassment by this debt collection company? I am very sick currently with XXXX and I can not take on this kind of harassment at this difficult time.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC. (FL)

I am currently financially impacted by the covid19 disaster. Secondly, this is old debt and is no longer valid or collectible. Also, please note that the phone team was incredibly rude and unprofessional. To the point I deemed it tribalism and employees sabotaged the servicing of my account there after. Refusing to transfer to a supervisor in a timely fashion. Pure obstruction and internal employee sabotage. The amounts were wrong and this was prematurly thrown into collections. Very disrepectful and also illegal. This is not a valid debt and statues have long expired. The company was notified with many attorney general complaints and XXXX complaints but refused to remedy. Siding with the young intimidating phone representatives who are immune to oversight or accountability. At one point they asked if I voted for Donald Trump. This sort of behavior has since been termed " trump deraingement syndrome '' and this call center in Colorado must all suffer from it. Especially the XXXX who mis serviced us with this debt. Please remove this unlawful debt that is still showing on all my credit reports. XXXX XXXX XXXX XXXX  should all be notified to remove this debt. We will sue civilly if this problem isnt immediately remedied. Thank you.
Consumer complaint received 2020-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX XXXX  Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft
Consumer complaint received 2020-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXXXXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Consumer complaint received 2020-11-14
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I've seen no changes for the accounts that I have filed last month, I still 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.