davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/2023 - XXXX noticed a charge on my Captial One Quicksilver Credit Card from XXXX in the amount of {$390.00}. I told the representative that I did not authorize the charge. 
On XX/XX/2023 - Capital One made a pay adjustment to my account for {$390.00} and advised me that they would invest the transaction. I provided information regarding my interactions with XXXX On XX/XX/2023 - Capital One reinstated the charge of {$390.00} on my account. I contacted them immediately and I was told that they would further investigate the matter and asked that I provide all documentation I had with XXXX, which I did. 
On XX/XX/2023 - Capital One made a pay adjustment removing the {$390.00} from my account. 
On XX/XX/2023 - Captial One reinstated the charge of {$390.00} on my account. I contacted them again and let them know that I did not authorize that transaction. 
On XXXX/XXXX/XXXX  - Capital One initially removed the charge and then reinstated the charge. I called Capital One and advised the Representative I did not authorize the charge. They said they would look into the matter. On XX/XX/2023, I received a letter from Capital One stating they are unable to assist with my dispute claim and for me to contact the merchant and work directly with them. I advised the representative that the XXXX has no telephone number and communicated only by email. I also advised the Rep that my attempts to contact XXXX by email were met with no response. I asked to elevate my complaint to a supervisor. The supervisor said that information was still needed and I advised him that I sent all the communications I have had with XXXX, he simply dismissed my complaint and said they could do nothing more. I asked what information XXXX has provided to substantiate the charge because I have no invoice and none of the communications, I had from XXXX contained any acknowledgement of a charge presented to or accepted by me. When I asked what information, they had from XXXX supporting the charge, he did not respond. I advised the supervisor that I would be contacting CFPB, he seemed unconcerned. The Capital One case number : XXXX
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: EQUIFAX, 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 2023-10-11
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. (TX)

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX Closed Accounts : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) # XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX/DEPT OF ED # XXXX INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-13
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: EQUIFAX, INC. (HI)

The list of information and inquiries was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information and inquiries listed below : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES : XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-28
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (TX)

On XX/XX/2022 we did a full payment to payoff the car XXXX ( XXXX ). As of XXXX the loan amount of XXXX is still on my credit report. I am trying to purchase a new vehicle for my daughter and the additional XXXX has lowered my credit report. Plus the fact that the loan amount is not dropping makes the XXXX think I am missing payments. I contacted Hyundai XX/XX/XXXX and they advised it would be fixed. New car has arrived and I will be purchasing on XX/XX/XXXX and it is till not fixed. I will now have a higher interest rate and have to pay additional cost. I have called Hyundai again and they say there is nothing they can do as the credit department only work from a XXXX XXXX XXXX I need the XXXX removed from my credit report and would like compensation for the additional cost that I have to pay due to non removal of loan from credit report.
Consumer complaint received 2022-09-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

In XXXX Freedom Mortgage sent me a letter stating my mortgage payments will increase. They gave me some choices to keep the payments the same. I choice the first one and paid {$730.00} toward the escrow shortage. But my payments increased anyway. 
In XXXX I got a similar letter but I paid nothing extra, instead I changed my homeowners insurance company for a {$300.00} lesser one and disputed my property taxes. But again my payments increased. I filed a complaint with the Department Of Savings & Mortgage Lending. They just repeated what Freedom Mortgage told me. Which was nothing!
Consumer complaint received 2023-02-02
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: EQUIFAX, INC. (FL)

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter regarding my credit report. I have recently discovered that there are several credit inquiries on my report that I have no knowledge of. Despite disputing these inquiries with XXXX, XXXX, and Equifax, they have refused to remove them. 

Furthermore, I have been informed that my credit report shows missed payments or derogatory indicators on XXXX or more accounts, which is not true. The credit bureaus have also stated that I have heavily used my available revolving credit, which is incorrect as my revolving limit is only XXXX XXXX of my total credit limit. Additionally, I have been wrongly reported as having a relatively high non-mortgage installment loan, with XXXX XXXX of it paid down. 

These inaccuracies have led to a significant drop in my credit scores, nearly XXXX points in the last XXXX XXXX. I find this to be unjust and unfair. I request your assistance in having all the incorrect inquiries removed and all corrections made to my credit report with all three credit bureaus. I would also like my excellent credit scores to be restored immediately. 

Thank you for your time and consideration. 

Sincerely
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act, everything has to be 100 % on my credit report. The credit bureaus stated my account was properly investigated, but how is that possible when I contacted the court and their response is enclosed below. It is clear that they do not report to Experian, XXXX, XXXX, or any other credit bureaus. Therefore, the response verifying that the item was either an error or a lie. Either way, the reporting requirements do not comply with FCRA S 611 ( 15 U.S.C.SEC1681. That's grounds for removal and the also violated my rights under the 15 U.S.C. 1681 SEC 602 states that I have the right to privacy. 15 U.S.C 1681 Section 604, states that consumer reporting agencies can not furnish your account without my written permission. So I did not give written permission to these accounts to be furnished on my credit report.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The following accounts are violating my rights : XXXX XXXX XXXX XXXX XXXX XXXX : Reported : XX/XX/22. Amount : {$77.00} XXXX Account XXXX XXXX XXXX : Reported XX/XX/22. Amount {$220.00} XXXX XXXX XXXX/ XXXX  XXXX XXXX : Reported XX/XX/22. Amount {$1300.00} 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 authorization
Consumer complaint received 2022-07-13
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-21
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. (AZ)

TO WHOM it may concern I am writing to report that I am a victim of identity theft. An unknown individual has fraudulently opened a XXXX XXXX XXXX XXXX credit card account and a XXXX account in my name. These unauthorized accounts have been reported to the XXXX major credit bureaus : XXXX, XXXX, and XXXX. Details of Fraudulent Activity : XXXX. XXXX XXXX XXXX XXXX Credit Card Account : - This account was opened without my knowledge or consent. ON XX/XX/XXXX under the account number XXXX - I have not authorized any transactions or actions related to this account. I HAVE TRIED to communicate with you guys but i haven't seen any positive results in the matter, Impact on My Credit Report : These unauthorized accounts have negatively impacted my credit reports with XXXX, TransUnion, and XXXX. As a victim of identity theft, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), particularly Section 605B, which allows for the blocking of information that is the result of identity theft. Under FCRA Section 605B, I am requesting that the fraudulent accounts be blocked from my credit reports. This provision mandates that credit reporting agencies must block the reporting of information that resulted from identity theft within XXXX business days upon receipt of proof of identity, an identity theft report, and an official request to block the fraudulent information., and if for some reason this item doesn't getting deleted or blocked, you guys are violating my right under FCRA XXXX this are fraudulent account in my name that wasn't opened by ME I REPEAT SOMEONE IS USING MY NAME I am requesting your assistance in this reinvestigating this matter and taking the appropriate actions to prevent further harm DESIRED OUTCOME : PLEASE REMOVE ACCOUNTS FROM CONSUMER FICO CREDIT REPORTS VICTIM INFO : NAME : XXXX XXXX Date Of Birth : XX/XX/XXXX Contact info : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-28
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. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-08-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (LA)

I started to work on my credit and when i pulledmy reports I noticed a collection account for I Q Data Internation. I sent in dispute letter and they sent me back a list of items that they say i owe for. When i did the final walk thru none of these items were a problem, now they claim I owe them XXXX. I do not know how they came up with this amount mainly because they said the carpet needed to be replaced and that is simply not true.. I ould like proof that they needed to changed out the carpet because of something I did..
Consumer complaint received 2022-09-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America allowed a scammer to take my unemployment benefits of over {$13000.00} dollars in 2020 in two separate ATM withdrawals. I have filed a police report, proven it was not me that did these transactions and filed several claims with them only to be denied over 5 times with them saying that they made the correct decision in denying the claim. I am in dire need of these benefits to get back on my feet as I have lost everything due to this error.
Consumer complaint received 2023-10-26
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. (IL)

I've provided all essential documentation and I urgently request a detailed review of this situation. These unauthorized inquiries on my credit report are a source of great concern for me. I hope you can swiftly address and rectify this matter, given its importance.
Consumer complaint received 2022-07-15
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. (IL)

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. 
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 : It also states a consumer reporting agency can not furnish a 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 2022-08-17
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. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-07-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (NY)

RE : INCORRECT Escrow Surplus Check ( acct XXXX ) To BSI, I hereby am requesting a clear explanation as to why the Escrow Surplus Check was only {$240.00}. I am requesting this Under the Real Estate Settlement Procedures Act by way of a written request regarding the servicing of my loan. 
Name : XXXX XXXX Account # XXXX In addition, to date that is the only refund I have received. I am still waiting for the refund check for XX/XX/2022. 

Here is the math behind my complaint and written request. 

Incorrect amount charged by BSI Financial ERROR Correct amount Surplus Received Deprived of the remaining over payment XX/XX/2022 {$2500.00} {$2200.00} {$380.00} {$240.00} {$140.00} XX/XX/2022 {$2500.00} {$2200.00} {$380.00} {$0.00} {$380.00} Total Due still not refunded {$520.00} *see formal written Acknowledgement from BSI attached I am demanding the total owed to me for Escrow overpayment {$520.00} immediately. I am formally submitting this complaint not only to BSI Financial Witten Requests but also the Consumer protection Financial Bureau.

BSI response to my first complaint has not been fulfilled. Therefore, I will not only ask the Consumer protection Financial Bureau to reopen the first violation and open a new complaint for another non-compliance report another compliance with Mortgage servicer Federal Rules. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2022-07-08
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. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.