davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-17
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have opened a money market 360 account with CapitalOne on XX/XX/XXXX under a promotion code XXXX. The exact terms of the offer was " Open a 360 Money Market account and deposit {$50000.00} or more by XX/XX/2018, using promo code XXXX to earn your exclusive {$500.00} bonus ''. 
It never said neither about balance of {$50000.00} or more nor single deposit of {$50000.00} or more. 
I did a cumulative deposit of {$50000.00}. I have highlighted this issue in twitter with the offer link " https : //www.capitalone.com/savings500/ ''. CapitalOne deleted that page after my post. If capitalone was correct on this then they should not hide/delete that page with terms and condition of the offer. 
However I already archived that page here- " https : XXXX : //www.capitalone.com/savings500/ ". 
In XXXX  capitalone said that they will escalate this issue, however I did not get any update from them. CapitalOne did not honor their own terms. They should understand that balance of {$50000.00} and deposit of {$50000.00} are not same. I did cumulative deposit of {$50000.00}. Terms never said that cumulative deposits are not eligible for the bonus. I met the terms and condition so I'm eligible for the offer. 
I think this is the high time for capitalone to correct themselves and stop deleting the page of offer 's terms and condition. 

Further, in one of call or chat I was informed deposit should work and no need to maintain the balance of {$50000.00}. Later CSR tried to change own statement. Now this is really a trust issue with capitalone. 
Hope this time capitalone should do something to get back customer 's trust in them.
Consumer complaint received 2022-07-08
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX account number ( XXXX ) XXXX XXXX, account number ( 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 A SECTION 2 ; IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2021-10-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (NJ)

They gave me a line of credit for {$2600.00} i and from that i only receive {$2300.00} on XX/XX/21 i already pay back {$1000.00} to this date XX/XX/21 and they said that i still owe them {$2600.00} all the money that i paid when to interest i still owe more money that the gave me This is a completely rip-off.
Consumer complaint received 2022-07-08
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: Experian Information Solutions Inc. (OH)

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.

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. 

Listed below are inquires w/ dates on my credit report that I did not authorize : XXXX CARD SERVICES ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  & # XXXX ; L XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  # XXXX ; L XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXXance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX NA ( Bank ) XX/XX/XXXX FEB/DESTINY ( Bank ) XX/XX/XXXX XXXX. XXXX XXXX XXXX & # XXXX ; L XXXX ( Finance ) XX/XX/XXXX 2022
Consumer complaint received 2022-07-08
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. (OH)

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.

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. 

Listed below are inquires w/ dates on my credit report that I did not authorize : XXXX CARD SERVICES ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ; L XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX & # XXXX ; L XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX Bank ) XX/XX/XXXX CAPITAL XXXX ( Bank ) XX/XX/XXXX XXXX XXXX NA ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX. XXXX XXXX XXXX & # XXXX ; L XXXX ( Finance ) XX/XX/XXXX 2022
Consumer complaint received 2022-06-22
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. (PA)

OFFICE OF THE ATTY XXXX In accordance with the Fair Credit Reporting act 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. I have records proving I was I never late.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc. (IA)

the company kikoff lending llc has been reporting that my account balance is paid up to date but it has been putting the payment history as 120 days late. the fcra says that if there is any incorrect reporting its a full violation and i want for it to be removed and i want compensation of {$4000.00} for the hardships ive have to go through from this.
Consumer complaint received 2022-06-22
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. (PA)

OFFICE OF THE ATTY XXXX In accordance with the Fair Credit Reporting act 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. I have records proving I was I never late.
Consumer complaint received 2021-10-28
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. (FL)

Experian keeps sending the same exact response that they need authorization, when I jar responded to them and I have given authorization each time. this is getting redundant and Experian needs to address my complaint which I have asked numerous times. I know that Covid had affected everyone, but they should just blow me off by sending the same exact messages which I think are automated. I give and have give Experian authorization to proceed with my complaint
Consumer complaint received 2022-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

n accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written
Consumer complaint received 2021-09-03
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. (CA)

I have 3 hard inquiries on my Equifax credit report that I would like to have removed due to fraudulent activity. The date for the first inquiry is XXXX. The date for the second inquiry is XXXX. The third inquiry was dated XXXX.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

Ok so on XXXXXXXX  I sent all 3 bureaus about some of the unknown and inaccurate things on my credit report. I can't even believe it but it's been well over 30 days and honestly about 60 DAYS NOW AND I HAVENT GOTTEN A RESPONSE OF MY DISPUTE AT ALL! I even sent a second dispute letter that is notarized just in case they didn't think it was me! I don't like being taken advantage of but by ignoring my disputes that's exactly what's going on here! I have called and nobody even has a confirmation number for me! Section 611 ( a ) states that a failure to investigate disputed items within 30 days gives a reason to immediately remove those items from my credit report and it has been about 60 days so they should be deleted promptly. I demand that the accounts are deleted expeditiously or I will have to file for litigation due to the stress you have caused me and my family. My info definitely got impacted by the data breach at XXXX! Please note that it may be in other hands!
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (IA)

the company Westlake financial has violated my consumer rights by 1. charging off a debt with the irs and still having it on my credit report as a charge off with a balance. it is a felony offense. i haven't been able to get approved for a job or find a place to live because this has been incorrectly reported on my credit report and i wish for it to be completely removed and i am owed {$5000.00} for damages
Consumer complaint received 2022-06-22
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)

n accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written
Consumer complaint received 2021-12-08
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. (CA)

I am XXXX XXXX and I am submitting this complaint myself. These account are reporting late as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from these accounts. 

( XXXX XXXX, XXXX XXXX )
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Ok so on XXXX I sent all 3 bureaus about some of the unknown and inaccurate things on my credit report. I can't even believe it but it's been well over 30 days and honestly about 60 DAYS NOW AND I HAVENT GOTTEN A RESPONSE OF MY DISPUTE AT ALL! I even sent a second dispute letter that is notarized just in case they didn't think it was me! I don't like being taken advantage of but by ignoring my disputes that's exactly what's going on here! I have called and nobody even has a confirmation number for me! Section 611 ( a ) states that a failure to investigate disputed items within 30 days gives a reason to immediately remove those items from my credit report and it has been about 60 days so they should be deleted promptly. I demand that the accounts are deleted expeditiously or I will have to file for litigation due to the stress you have caused me and my family. My info definitely got impacted by the data breach at XXXX! Please note that it may be in other hands!
Consumer complaint received 2022-07-08
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. (GA)

n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-10-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (IL)

Radius Global Solutions sent me a false and deceptive letter attempting to collect an alleged debt. The alleged debt is not validated. The alleged debt is listed as a positive number. I have no relationship whatsoever with this company. 

Where does this alleged debt claimed by Radius Global Solutions fall under Ucc 9-11 under Article 2 or 2A?
Consumer complaint received 2023-05-29
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. (NC)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX Balance : {$4600.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXXXXXX Balance : {$840.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXXXXXX Balance : {$2200.00} ; XXXX  XXXX Balance : {$840.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$5500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00}.
Consumer complaint received 2021-04-12
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (OH)

I opened a credit card with the purchase of a couch from XXXX. The servicer for the account is Comenity Bank. I have the original credit card agreement which states " Purchases of {$700.00} or more have a promotional period of 12 months deferred interest ''. My purchase was over that amount and I am within the 12 month deferral period. 
On my XXXX statement, Comenity applied interest charges saying that my deferral period had expired. I did not catch the error until I logged on to pay off the balance on XX/XX/21. 
I disputed the charges and was denied the dispute because I did not call in within 70 days. I'm unclear about the dispute period since my statement says 60 days and the denial of the dispute says 70 days. They also can not tell me if it's 60 ( or 70 ) days from the day the statement is cut, the statement due date, or some other date. Regardless, if Comenity violates the credit card agreement, there should not be a time period for dispute. By the way, I contacted them 64 days after the payment was due on the applied charges. When I called in to question the decision to deny my dispute, I was told that XXXX is responsible for 'entering in the promotional period ' and there was no way to further dispute the almost {$500.00} of interest applied to my account. Comenity is saying, although I have the original service agreement that states the promotional period is 12 months that since XXXX incorrectly entered it as 6 months that they can not waive the fees. I have called now 3 times. It was not until I pushed for a supervisor that I was told they DID make an error and that they were waiving the interest on my account. 
As a consumer I expect the credit card company to honor the terms of the credit card agreement. I do not expect to have to call 3 times, file a dispute and escalate to a supervisor for them to honor the agreement. How many consumers are denied fees and interest that are charged in violation of the credit card agreement? 
I have since cancelled the 3 accounts I have that are serviced by Comenity and will not open any accounts serviced by them in the future.
Consumer complaint received 2022-12-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TN)

I signed a lease in XXXX of XXXX with XXXX and the company XXXX. When I moved in we had communicated that we were looking for a house and was only going to need a 13 month lease. We paid rent every month on time. We had referred several people to the property and were told we would be receiving a {$1000.00} per signed lease after 3 months of them living there. We signed XXXX people. We filled out a XXXX. We have proof. We were asked in XXXX if we had plan to renew and we wrote on a paper and turned in and communicated we would not be renewing. The property got bought by XXXX partners. In XXXX, we were closing on a home. We went down to ask if we could find someone to take over our lease a little sooner and not have to pay the remainder month. They said they had no notice of us leaving with the new company when lease was over and that themselves needed it in writing. I wrote a letter on XX/XX/XXXX to state we would be leaving when lease was up and not renewing. We paid in full throughout lease and returned keys on XX/XX/XXXX. Our lease was up on the XX/XX/XXXX. We paid through the lease. They are now charging us XXXX. We never received the checks for the referral fees we were promised which was XXXX. We should not owe them XXXX. I thoroughly dispute this. I am also asking what legal action we can take regarding this company.
Consumer complaint received 2022-06-22
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 Loan XXXX XXXX XXXX XXXX  Account XXXX, XXXX XXXX Account XXXX, XXXX Account XXXX, XXXX XXXX  XXXX Account XXXX, XXXX XXXX XXXX  Account XXXX, XXXX XXXX Account XXXX, XXXX Account XXXX, XXXX  XXXX Account XXXX, XXXX  XXXX Account XXXX, XXXX  XXXX BANKRUPTCY Docket Number 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
Consumer complaint received 2022-06-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

I filed complaint, regading SPS Serving not providing XXXX with requested info for receive assistance package. CFPB opened case and closed without resolution. SPS and XXXX are not communicating. 

It is imperative that SPS submit requested info for XXXX so I can receive assistance package.
Consumer complaint received 2022-06-22
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. (MS)

I contacted Equifax XXXX XXXX about unauthorized inquiries on my credit report. Either have removed the unauthorized inquiries off my credit report. XXXX stated it will take 30 days its been 30 days & still no update!