davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-19
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

On Saturday, XX/XX/XXXX, my husband and I purchased two XXXX XXXX  sofas from the XXXX XXXX XXXX in XXXX, XXXX We were encouraged to look into the Pottery Barn credit card offered by Capital One. After applying for the card, my husband was approved. He later added my name to the card. During the application process the store rep told us that there was no interest for 12 months, with no other details. We specifically asked if there were any contingencies for that perk and was told that there was no red tape just no interest for 12 months as long as we paid the balance before the one year anniversary of our purchase. Our original plan was to not pay on the credit card bill until we received some expected funds in XXXX XXXX XXXX We even discussed this in front of the store rep and they did not speak up to say that we would be stuck with late fees or interest fees if we went forward with that plan. We were very surprised when we received a statement in XXXX  for a minimum payment of {$250.00}. This effected us financially and put us in a bind. We continued to make the minimum payments until our financial crisis came to a head in XXXX, and I called Capital One on XX/XX/XXXX. I spoke to a representative and was told that in order to have no interest within the first 12 months, we must pay a certain amount every month. Some months, like XXXX, is over {$300.00}. Not to mention the {$29.00} late fees we are stuck with if we are unable to pay our bill on time. I was told there was nothing we could do. The representative agreed that the retailer failed to properly inform us of the fine print and apologized. But the apology does not resolve this issue for me and my husband.
Consumer complaint received 2022-08-19
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. (NY)

This account is never been mine! I don't know about this account. I never signed any contract with this account. I should not be the one who are liable for this account because this is not mine!
Consumer complaint received 2022-08-19
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. (NY)

This account is never been mine! I don't know about this account. I never signed any contract with this account. I should not be the one who are liable for this account because this is not mine!
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America, branch at XXXX XXXX, XXXXXXXX XXXX XXXX, NJ, is running a racket. I used an ATM Card at XXXXXXXX XXXX, and at XXXXXXXX XXXX, after 5, minutes my vehicle was already hooked by tow truck, please see BOA withdrawal receipt & Towing time. The Tow truck driver harassed me to pay {$150.00}, otherwise, he would compound my vehicle and I would have to pay extra for overnight, so I called the police and Police officer stated it is a BOA Private parking, and police did not have any jurisdiction. I had no choice, so I offered the Tow truck driver to charge it on my credit card, but he insisted payment in cash, so I went back at BOA ATM and withdrew money to pay in Cash, {$150.00}. Therefore, I request that BOA, refund {$150.00}, and pay restitution fee. 
Thank you. 
Sincerely, XXXX XXXX & XXXX XXXX
Consumer complaint received 2022-12-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (TX)

In 2018 My wife bought a XXXX XXXX and had never bought a car before. The sticker price was XXXX and when she walked out of the dealership she owed XXXX. She had no clue until I looked at it 3 years later. She was charged for gap insurance, and an XXXX warranty and the tire insurance and its funny cause it seems like the dealership, " XXXX XXXX and Ally financial made around XXXX each. And she even put down XXXX bucks down payment which didn't drop the price at all. Well when we had a problem with the engine we ended up having to pay XXXX bucks cause XXXX warranty didn't cover the cost. What we had done would have costed XXXX bucks to fix so it was like we paid XXXX bucks for the warranty XXXX for gap ins and I think XXXX for the tire insurance we never used and with the high interest rate and 6 year loan m, I added it up and Ally and the dealership made over XXXX each. So what. To buy a car, I have to pay for it twice if we don't have great credit. That seems XXXX  to me. The rich get everything cheap and the middle class has to pay double. But the kicker is, my wife had no idea she had the gap ins and tire ins snd the extended warranty added. She sd the lady was talking extremely fast and my wife didn't understand that she was going to end up paying XXXX times what the sticker was. We owe like XXXX pr XXXX and if we hadn't had all yhst we'd have paid it off already. I'd like to know if the cfpb recognizes that this was intentional and why couldn't my wife speak with Ally financial, and as her lender shouldn't they he protecting her from the dealership raising the price of the car XXXX tines. You'd think they'd want us to pay the loan back. Or at least say something XXXX hey XXXX XXXX, you realize you're getting a loan for XXXX and the price I'd the car is XXXX. But no. They want as much money as possible just like the dealership.
Consumer complaint received 2024-11-24
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. (GA)

There is information thats on my consumer report that appears on my TransUnion consumer reports that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block identified transactions. The identified transactions are not information related to any transaction made by me as the consumer. PLEASE REMOVE AND DELETE THE FOLLOWING INFORMATION BELOW FROM MY CONUSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXDate opened- XX/XX/year>. I Demand for this account to be REMOVED/ DELETED from my credit reports. I have also filed a FTC REPORT. See ATTACHMENT
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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. 

The did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because under 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions I did not give anybody written instructions. 

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to formally notify you that I have been a victim of identity theft, resulting in a fraudulent account being added to my credit report without my knowledge or consent. I am requesting immediate action to address this issue. 

An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am now requesting the removal of this fraudulent account to ensure the accuracy of my credit report. 

Account : XXXX / XXXX XXXX XXXX / XXXXXXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2022-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

My mortgage is serviced by PHH Mortgage. The home in this case is a condominium which has an HOA. The HOA provides insurance for the building, including flood insurance which covers the inner dwellings of the units. The complex is located in a flood zone. PHH mortgage has ordered flood insurance and has added the premium to my monthly escrow, resulting in a 33 % increase in my payment. Considering that the HOA 's insurance policy already covers this, an additional insurance is not required. I have called PHH Mortgage countless times now and discussed this matter with the insurance department. Each time, I am told that the policy that they ordered is a duplicate and not needed ( I have provided PHH with the HOA 's policy!! ) and after an escrow analysis the additional flood insurance would be removed and my previous payment would be reinstated. Yet, they have not made an adjustment and are charging me an over-inflated rate. Not only is this poor customer management, this should not be legal and if PHH Mortgage is treating me like this it should not be a surprise if many other home owner are in the same situation.
Consumer complaint received 2022-09-14
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. (NC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NJ)

I received a letter from Citi AAdvantage in response to my below email. Letter stated that I was enrolled through a two-part promotional offer. I was enrolled with an opportunity to earn both XXXX bonus miles by spending {$2000.00} in the first XXXX months and up to a {$200.00} credit for XXXX XXXX purchases made in the first XXXX months. We are not able to change your offer at this time. We consider this matter resolved. 

I do not accept the response! 

I sent the following email numerous times to XXXX : Please respond to the offer I included in the attached that shows offer I applied to during my application in XX/XX/year>. Offer clearly states, after {$3500.00} in purchases within the first XXXX months of the accounts opening, I will earn {$75000.00} in XXXX XXXX bonus miles. 

Either the offer was fraudulent, or a mistake was made by Citibank or XXXX XXXX. I await your response. I am also sending a letter to the Consumer Financial Protection Bureau and the New Jersey State Attorney General. 

From : XXXX XXXX Sent : Monday, XX/XX/year> XXXX AM To : XXXX Subject : RE : XXXX Offer Please see below the credit card offer applied to and the offer, XXXX miles awarded after {$3500.00} in purchases during the first XXXX months of card issuance. 

I have made purchases of $ XXXX on my credit card. Credit card # ending in : XXXX. I have not received the XXXX bonus. When will the XXXX miles be credited to my account? 

Citibank awarded me XXXX miles. However, that was not the agreement I made. I applied for the below card and spent {$3500.00} within the first 30 days of card issuance. I satisfied my obligations under the terms of the agreement.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX XXXX XXXX XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 

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
Consumer complaint received 2024-11-25
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. (IL)

XXXX XXXX is reporting multiple late payments ( XXXX, XXXX, XXXX, and 120 days past due ) on my credit file for account [ Account XXXX : XXXX ]. The reported balance exceeds my credit limit, suggesting inaccuracies in late fees or interest calculations. Despite submitting a dispute on XX/XX/year> no validation has been provided.
Consumer complaint received 2022-08-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2022-08-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CA)

Chase has a promotion stating that for new customers that makes 2 deposit of {$500.00} qualified for a {$200.00} bonus, and meet the requirements and I added the coupon when opening the account. But a Chase representative told me I did not qualify but I have been going back and forth and another told you do qualify but we need the coupon and I deleted the coupon when the previous representative told I did not qualified, so their giving me different answers.
Consumer complaint received 2024-11-02
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. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I had submitted 2 postal money orders in the same envelope to Capital One. One for {$1000.00} and one for {$200.00}. The envelope was delivered and only the {$200.00} was cashed. The {$1000.00} went missing ; yet these were both in the same envelope. I believe they only did the {$200.00} because the {$1000.00} would give me lesser interest. I dont understand how a check goes missing while the other check was fine when theyre both in the same sealed envelope. I have to wait 90 days before I get a refund.
Consumer complaint received 2022-12-04
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: Experian Information Solutions Inc. (LA)

I have been contacting this company about several inaccuracies on my credit report but unfortunately I keep on being ignored, this time I must seek help from CFPB for others to learn of my experience,!
Consumer complaint received 2022-08-19
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: EQUIFAX, INC. (NY)

This account is never been mine! I don't know about this account. I never signed any contract with this account. I should not be the one who are liable for this account because this is not mine!
Consumer complaint received 2022-11-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Pressler & Pressler, LLP (NJ)

In 2010 I was sent to collections for not paying for a laptop I got on financing. I paid and paid for years but because of interest rates the amount owed never went down. I was sent to collections. This year they finally sued me. I went to the court date and they said they would garnish my wages. They havent done it and now theyre harassing me for my personal financial information. There is a 7 year statute of limits in NJ and they are still coming for me and threatening to send me to jail.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.