davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (UT)

In XXXX, I applied for and received the XXXX credit card after viewing a website advertisement claiming you can get 3 % on your top spend category, 2 % on your second, and 1 % on everything else. I thought WOW, that is nice. What's the catch? I clicked on " learn more '' and found that it seems legit. However, I later found it is misleading and deceptive as you can not earn 3 % on your top spend category if it is " other '' category. This is not made clear to someone who is interested even when they click on the " learn more '' link. " Other '' is clearly listed as a category you can earn rewards on without further disclosure that you can only earn 1 %, and that it is treated differently than every other category listed. 

After I found in the XXXX app that I would not earn 3 % on the " other '' category I went back to the website to do the research. I found that once you click on " learn more '' you are taken to the following link XXXX XXXX XXXX XXXX On that page it shows " other '' as a category you can earn rewards on. Right below, there is a heading saying " Rake in the rewards ''. Underneath the heading it states, " The XXXX Credit Card gives you custom cash back* rewards maximized to what you spend the most on. Well track your spend categories as they change, so you can just sit back and cash in. '' I scrolled to the bottom of the page to read the asterisk, which states, " * Use of cash back is subject to the terms of the XXXX account. Review the XXXX Credit Card Rewards Program Terms for more information. '' I then clicked on the link to the " rewards program terms '' taking me to this page : hXXXX XXXX XXXX This link has no information at all on the 3 %, 2 %, or 1 % rewards and how they work. It only describes how the credit card works and things like interest. 

To me, and probably a lot of other customers, this appears that XXXX is trying to hide the facts.
Consumer complaint received 2022-03-11
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 (KS)

Payments are made in advance of the due date. Sometimes to make credit available mid cycle, sometimes to pay off entire balance when payment is due. Regardless of when the payment is made Capital One : - Receives the money from my account. ( This month payment was made XX/XX/XXXX and posted by Capital One on the XXXX, money removed from my account on XX/XX/XXXX ) - then - Reflects the payment on the Capital One account showing that the money was received ; reflecting a ZERO balance due. 

-However, I am not provided any available credit even though they have been paid and have posted the money as payment in full. ( this scenario is routine and seemingly illegal ) - Keep in mind I have insurance payments that are established on this card that are to be charged every month same day ... that this card routinely DENIES the charge even though they have been paid and have in their possession money from my bank account ... this policy has placed my insurance in jeopardy on more than one occasion. 

- During my research and while writing this complaint I have checked on my account with Capital One for the fourth time in two days and voila!! They have given me my available credit AND some credits from merchant returns just now posted as well ... to me meaning that they were using that money for free as well instead of providing me credit that was due to me. 

I can not believe that these procedures are legal and they certainly are not ethical ... jeopardizing my insurance and in one situation a monthly payment for my husbands health care via mens clinic ... its not right and it shouldn't be tolerated or legal. I/we are counting on you as a governing agency to reel these people in and hold them accountable. 
We realize in the world of credit card companies we are regarded as " deadbeats '' because we use the credit then pay off the entire balance at months end... we should not be punished for being prudent and responsible. 

We look forward to hearing back from you as to how you have proceeded and any legislative suggestions you have introduced to law makers and the name of said law maker. 
Regards
Consumer complaint received 2022-10-18
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)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

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. 

CONSUMER XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 
XXXX # XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX  # XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 
HAS VIOLATED MY RIGHTS.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 instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may take 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 2022-03-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (CA)

PLEASE HELP ME!!!! I am being discriminated I believe I am an existing customer with US Bank HOME loan XXXX, about 2 month ago I had started working with XXXX XXXX in order to refinance my loan with cash out option of XXXX mill NEW LOAN XXXX, My loan has been declined several times After having no luck getting clarity of how my DTI/PTI income and expenses are being calculated, I had escalated the issue to her XXXX XXXX XXXX and his Boss XXXX XXXX I had asked XXXX to assign a new Loan Officer, he had refused to do so and he had been covering up lies from XXXX. XXXX and XXXX for weeks had refused to provide any details and were declining my loan stating I did not qualify for it when I had confronted them several times I was accused of being a bully. When I asked for transparency to see the numbers they had refused to provide them to me, again I was very cooperative and provided all the docs that are needed but they had refused to consider them even for a straight out refi without cash out. Earlier last week XXXX called me and started to go over my Income, then I found out that multiple discrepancies such as : 1. income from rental home was ignored 2. 1099 income from XXXX XXXX fund and XXXX XXXX was ignored 3. My wife has XXXX jobs, one of them from Dr.Yesin was ignored 4. College loan for my son instead of XXXX per mo. payment XXXX was used When I confronted XXXX about discrepancies and asked him to provide the total breakdown of XXXX in writing via email or XXXX to my home he started to yell at me and later promised to share them which he never did. XXXX then proceeded to call me several times this week and started to threaten me, he promised to me that I will never get my loan approved and called me several profanities. I had received a letter today from US BANK that include false reasons to decline my loan which are both COMPLETE LIES : - INCOME INSUFFICIENT FOR AMOUNT OF CREDIT REQUESTED -UNABLE TO VERIFY INCOME 1. Where is the breakdown for my XXXX that I had been requesting for over 1 month for cash out refi vs straight refi scenarios that I can review? 2. What does it mean unable to verify income? What income are you not able to verify? XXXX. Why additional income : from my wife 's job XXXX XXXX, 1099 from XXXX and XXXX debt fund was no used even though paystubs and statements were shared? 4. Why mo. payment from my sons ' college was used incorrectly with XXXX mo. payment vs XXXX that was used, even though statement was shared? I believe I quality for the refinance loan and ask to be treated fairly. Please help me and reach out to me if you have any questions.
Consumer complaint received 2022-03-11
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: Bridgecrest Acceptance Corporation (GA)

Pursuant to 15 U.S. Code 1605 - Determination of finance charge- ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit.

Finance charge is defined as the sum of all charges according the federal law above. The sum of the finance charge is equal to any or all payments, so that includes late payments. The vehicle was already paid off once the car was purchased therefore late payments do not exist.

Pursuant to 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I the consumer never received a mailed " late notice '' within 21 days before the payment due date. Bridgecrest has violated 15 U.S. Code 1666b - Timing of payments, therefore the late payment is illegal according to federal law.
Consumer complaint received 2021-07-08
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. (FL)

Im writing this complaint in regards of ongoing dispute between the bureaus. their elaborate mechanism to compromise my reputation is working!! I have been away from my family due to these accounts reporting on my credit without the consent to report and that is violation of the fair credit reporting act, as well as the truth in lending act. These consumers reporting agencies are taking a advantage of me.

15 U.S. Code 1681a ( b ) 2 Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include : ( b ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

According to the Truth in Lending 15 USC 1602, That's any card plate or coupon book existing for the purpose of obtaining money, property, labor, or services on credit.

( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

These agencies are violating the law.
Consumer complaint received 2021-08-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MD)

Hello, I didnt even have my account open at Coinbase.com for a couple months when I received a call from Coinbases XXXX XXXX XXXX XXXX number, ( since I had added their number to my contacts the day I opened the account ). It was a recording stating something about my account having been compromised, that was on Sunday XX/XX/2021. Since coinbase can not be reached via phone on XX/XX/2021 on their site I inquired about that call since I still had access to my account and could see the crypto currencies that I had purchased still in there. On XX/XX/2021 at XXXX my time ( US ET ) I received an email from XXXX stating : Thanks for contacting us. We understand you were victim of a fake support scam. Please report this to law enforcement agencies in your country. On the email I was asked to answer 4 sets of questions which I did and replied to them. Ever since, I have contacted numerous times with no real answer. Always an automated message to my inquiry for status through the support section of their site saying a specialist would contact me in 4-5 business days, on several occasions and that never occurred. Its been 10 weeks now! Since my account was locked/disabled. I just want to know whats going on. If Coinbase.com allowed my information to be compromised, I need to know but the complete lack of any significant communication is frustrating and frankly I have never had any bad experience with any company where I get to the point where I have to file a formal complaint against them with the CFPB. With no personally indentifying information of my being provided, I have to include my case # XXXX so that my issue can be found, looked up and hopefully, finally addressed. 

Thank you for helping me rectify this issue.
Consumer complaint received 2021-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Looking over my credit report and notice some hard inquiries that I do not recognize and are all over 90 days old Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-29
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. (TX)

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 120 days later I have not received a response yet I feel like I'm being taken advantage of and being ignored of my disputes. The Law plainly states that 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 have caused me. My information was also impacted by XXXX  as well as the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I made an electronic payment on XX/XX/2022 for XXXX to Capital One which was posted on XXXX XXXX looked at my account to see if payment was received it was posted and deducted from my checking account but my credit limit was never increased so i called capital one tobsee what was up said there was a hold on my payment since it was already how would there be a hold on it i spoken with XXXX id XXXX and XXXX XXXX no help and problem still exists .Tried closing the account since its a secured account said it would take two Billing cycles to revieve my check
Consumer complaint received 2023-01-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Dear CFPB, I am writing to bring to your attention some inaccuracies on my consumer profile that you have on file. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to have my credit report be accurate, complete and not misleading. 

On Mon, XX/XX/XXXX, Capital One and I agreed to the settlement of an account in the amount of {$350.00}. I was asked to make either two payments of {$170.00}, with the first payment due by XX/XX/XXXX and the second payment due by XX/XX/XXXX. I paid the full balance of {$350.00} on XX/XX/XXXX, thinking that the account was settled and done. 

However, I received a letter from Capital One stating that I still owe {$90.00}. I called a Capital One representative on XX/XX/XXXX, and they said not to worry about it and that it would reflect differently on my consumer report. This turned out to be false, and the information on my consumer report remains unchanged. 

This is a violation of 15 USC 1692e 807, which prohibits false or misleading representations. Specifically, it is a violation of subsection ( 8 ), which prohibits communicating or threatening to communicate credit information which is known or should be known to be false, including the failure to communicate that a disputed debt is disputed. It also violates 15 USC 1692d 806, which prohibits harassment or abuse, specifically subsection ( 2 ), which prohibits the use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 

I am requesting that this account be deleted from my consumer report completely, as it is settled and done with. 

Thank you for your attention to this matter.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$2100.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2022-10-12
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. (SC)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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 XXXXXXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2023-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

I do not agree with the payment tracker towards PSLF on the Mohela dashboard for my account. I have been working in XXXX XXXX since XXXX. I have all my qualifying employers verified and confirmed with completed employment verifications on the Mohela dashboard as follows : Employer Employment Begin Date Employment End Date XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX US DEPT OF EDUCATION FEDERAL STUDENT AID XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX to PRESENT Yet on the payment tracker, it is missing the 46 months from XXXX of XXXX to XXXX of XXXX. Those months are not listed, in either of the ELIGIBLE nor INELIGIBLE lists. Within those 46 months there were only 14 months, XXXX of XXXX to XXXX of XXXX that I was not employed with a qualifying employer. So 32 of those 46 months should be ELIGIBLE. That would bring me to 126 qualifying and eligible periods as of XX/XX/XXXX, towards my PSLF. I will certify employment with my current qualifying employer in XXXX, so that will bring me to 138 towards the 120 required. 

I have contacted MOHELA several times. I have contacted the Department of Education/Federal Student Aid and the ombudsman and they have not updated these missing months.