davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One was one of the few credit card companies willing to extend credit in the wake of my 2010 bankruptcy ( though many years later ). And at the time they charged a very high interest rate 22.9 % and higher. As my credit has improved they do not even consider lowering this interest rate, and have told me that the rate will not be changed from the initial rate. The fact that the rate is based on out-of-date information does not concern them. 

This was confirmed by the rep 's supervisor, who I got on the phone. He was entirely unapologetic, though acknowledged that they get complaints about this. I told them I would do anything possible to pay off their credit card and endeavor not to ever use them again. I have been unable to strictly stick to this, but I did pay off both cards with a loan. 

There may be fine print dealing with this situation -- who would know? But this is inherently unfair, and penalizes people who area already vulnerable, but are trying to raise themselves up.
Consumer complaint received 2023-01-09
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/2021 I was a victim of a job fraud. The company that apparently hired me sent me a check for supplies I would need to work from home. I was told to deposit the check which I did and withdrawl XXXX for a partial payment and deposit it into a Wells Fargo Account that was provided me. After the transaction was complete. I did some research and found out that the company that sent me the check is a fraud. I contacted Wells Fargo right away and they said there was nothing they could do to put a hold on the deposited amount that was put in the account that I was given. 
It was Wells Fargo XXXX GA XXXX.
Consumer complaint received 2020-05-15
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 — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation (TX)

Submitted several disputes and last verified date shows XX/XX/XXXX and account currently listed as not disputed when it is being disputed. 
Creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balane on the account. I didn't receive this paperwork status update date proves that this account wasn't even investigated. 
Contacted creditor and was told it was charged off yet credit report shows balance still owed as well as a past due amount of {$10000.00}. I contacted the company who they claim they sold the debt to yet no one answered and phone just rung. 
There are several FCRA violations associated with this account and though I have disputed the validity of this debt several times, I have yet to see any PROOF of amounts. 
XXXX  states late 120 days. No other agency is reporting this XXXX  show no data on 2 yr pymt history XXXX show no data on 2 yr pymt history Account has been charged off since XX/XX/XXXX yet past due amounts and balance owed are still reporting on my credit file.
Consumer complaint received 2021-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (PA)

To whom it may concern, I am writing you today as an aggrieved man. I applied for a secured DISCOVER card XX/XX/21 after seeing an advertisement on XXXX XXXX website. I was checking my credit scores and the ad popped saying I had a high chance of approval rating. I applied and got approved. I gave DISCOVER permission to debit my checking account for {$200.00} dollars as a deposit. DISCOVER withdrew the {$200.00}. I was contacted shortly after from DISCOVERS verification department. 

The representative wanted to verify I am who I say I am. I answered all the representatives questions and was verified. The representative advised me my secured DISCOVER card should arrive in a few days. I was then sent an email from DISCOVER card asking me to complete IRS consent form XXXX. I obliged and completed the form. Fast forward to XX/XX/21. I receive an email from DISCOVER card saying they closed my account effective immediately. DISCOVER is now claiming they could not verify personal information. 

I thought I was already verified multiple times. Didnt DISCOVERs representative advise me I was approved and verified? Didnt the representative advise me that my DISCOVERY card would arrive in a few days? What about my credit score? How is this going to affect my credit score? DISCOVER is also advising me they wont refund my {$200.00} deposit unless requested. Well, I am formally, requesting they refund my {$200.00} deposit post haste. Either by a deposit back into my checking account or if by check in overnight mail. 

I also request that the check be mailed to XXXX XXXXXXXX XXXX XXXXXXXX NJ XXXX. We have had mail stolen at my XXXX XXXX XXXX XXXX XXXX PA XXXX address. DISCOVER owes me a remedy for operating with bad business practices and truly in bad faith.
Consumer complaint received 2020-06-24
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 — Problem with personal statement of dispute
Company: Sequium Asset Solutions, LLC (FL)

RE : CFPS # XXXX Dear Sir/Madam : Please help me in my dilema, my credit score was almost at XXXX & I just reviewed and XXXX has reported a collection of {$110.00} and has brought my credit score down 25 points. 

I was a customer of Bright house for 30 years NEVER a late payment their price increase when XXXX took over were too high so had no other choice but to go with XXXX. 

I have worked for XXXX XXXX XXXX  settings and the collection agencies work for you so you do have the capability to pull an account from collections. I continuously called a XXXX no respone you would think someone would take the time to reveiw a persons good standing record and correct it. 

I am attaching an original letter sent to you for my original complaint from a {$49.00} package that was sold to me with a promise to pay the remainder of my XXXX contract which I was paying {$77.00} per month owing 3 months their bill totalled $ XXXX for basic cable which the package they installed was a spanish package which I did not order and by the early evening it was cancelled and my husband returned the equipment the next morning. 

We are senior citizens living on a fixed income and quite frankly {$160.00} for basic cable is " outrageous ''  By the Grace of God XXXX took us back and only charged us {$89.00} for cancelling before hand as opposed to {$300.00} however our new monthly payment is {$100.00}. 

This is a multimillion dollar company and when XXXX took over it spend millions on their new ads and of course who pays the consumer. It is not the money that is owed it is the principal of the matter. 

PLEASE help me obtain justice in this matter, these companies have insurance for these issues it was their error misleading customers, selling a package and installing another. 

I want this collection pulled from the credit burea completely as if it was their error because if it remains on my credit report it is hindering me. 

Thanking you in advance for all your efforts " CFPB ROCKS '' I am totally confident that you will be able to assist me in this matter and/or direct me to someone that can. 

Again, thank you in advance Please Stay Safe XXXX
Consumer complaint received 2022-06-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Inter & Co Payments, Inc. ()

I made a transfer on Thursday XX/XX/2022 and until today it has not arrived at the destination, the money left the account but did not arrive at the destination bank, I tried to contact the company through the channels at first without any response chat did not work I kept showing a person in the queue for hours and didn't answer whatsapp either, no email either, after XXXX days that only on the second I managed to contact the company, telling me that I had to wait another XXXX hours and that the bank would receiving should send me a statement proving that he did not receive it, this is unfeasible XXXX that should prove that I send it, they did not give me any proof even though they sent the money to the bank, the amount only left my XXXX account but did not arrive at the destination bank, a bureaucracy to generate a transfer receipt, I'm having a bad experience like this company, I registered because I have an account at XXXX XXXX XXXXXXXX ), I thought I would have a quality service but it's being a headache solve something simple.
Consumer complaint received 2024-10-29
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)

I'm writing to bestow my XXXX concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.
Consumer complaint received 2020-05-15
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. (MN)

This car was declared a charge off but I never got any documents. 
Under the laws of the State of Minnesota UCC UCC Article 6 :336.9-608,336.9-615,336.9-616, Subpart. noncompliance with article 336.9-626 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I am requesting but until today I dont have any documentation any paper for how much was sold the car, but they still reporting a information is unverifiable, I sent just this year 3 letters I understand everything is slow, but this is completely unacceptableXXXX XXXX and no answer
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX ( Account # XXXX ) has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 2022-05-01
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: Central Portfolio Control Inc. (CA)

In accordance with the fair credit reporting act XXXX  account # XXXX, 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 a consumer reporting 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 a open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-12-07
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: EQUIFAX, INC. (TN)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF VETERANS AFFAIRS DEPT OF VETERANS AFFAIRS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2024-09-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Upgrade, Inc. (MN)

Saturday, XXXX XXXX I emailed the lending institution that granted me a loan for a future cruise with XXXX XXXX XXXX XXXX XXXX. The loan was originated on XXXX online and paid above business in full for a cruise to sail on XX/XX/XXXX through XXXX, XXXX. After, horrible customer service ( agents hanging the phone up on me ) and receiving threaten emails to cancel my reservation for not having a credit card on file ( because my account was paid in full on XXXX by Uplift ). XXXX XXXX XXXX owner of XXXX XXXX XXXX XXXX XXXX offered me a full refund to be paid within 7 days. This was on XX/XX/year>. However, as of today, no such refund has been received. Also, XXXX XXXX never had a reservation in my name. I wrote the Kentucky Attorney General ( the state the business is operating in ), XXXX XXXX XXXX and Federal Trade Commission ( See attachments ). The business didn't respond to any of the inquiries and the complaints were closed. I contacted Uplift, however, you can't speak to a human and they stated I'm still obligated for the loan. My last action to try and mitigate this matter, I disputed the debt on my credit reports. I'm out of {$3600.00} + interest {$970.00}. The business has promised a refund numerous of times but no refund has been received and there was never a reservation in my name. I informed Uplift and they stated I'm still responsible for the loan even though no goods or service the loan was for was received. I'm trying to keep my credit picture in tact and I'm not working right now due to an injury and my money is greatly needed. I have a payment due on the first of every month in the amount of {$190.00}. I'm paying for a service that I never received and there was never a reservation in my name. I also tried calling XXXX XXXX, but because I booked through a third party, they instruct you to call the booking/travel organization.
Consumer complaint received 2023-01-09
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. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 2022-07-17
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

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. 
Portfolio Recovery Assoc Acct # XXXX has violated my rights. 
Portfolio Recovery Assoc Acct # XXXX has violated my rights. 
Portfolio Recovery Assoc Acct # XXXX has violated my rights. 
XXXX XXXX XXXX Acct # XXXX has violated my rights.

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

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 items 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.

I am also asking for a copy of the original contract, payment history, proof of ownership of these accounts, and original creditor information.
Consumer complaint received 2020-06-24
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. (MA)

Trans union is reporting a debt that I do not owe. This debt has not been validated as mine. 

Lender Name : Collection Amount : {$4500.00} I have tried to dispute on several occasions.
Consumer complaint received 2020-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020