davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-13
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. The list of account ( s ) below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name, Account Number : XXXX XXXX XXXX, # XXXX 15 U.S.C. 1681 section 602 A States I have the right to privacy.

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

15 U.S.C. 1681c. ( a ) ( XXXX ) 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 buy more than seven years.

15 USC 1681 SXXXX ( A ) ( XXXX ) 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 2022-10-13
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)

In accordance with the Fair Credit Reporting Act. The list of account ( s ) below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name, Account Number : XXXX XXXX XXXX, # XXXX 15 U.S.C. 1681 section 602 A States I have the right to privacy.

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

15 U.S.C. 1681c. ( a ) ( XXXX ) XXXX 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 buy more than seven years.

15 USC 1681 SXXXX ( A ) ( XXXX ) 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 2022-10-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On Saturday XXXXXXXX XXXX XXXX  I attempted to pay my monthly load amount of {$570.00}. The loan number is XXXX. 
According to the software it accepted a payment from my account ending in XXXX with XXXX XXXX. 
On Monday I checked the account, and the software said the payment was not made. I waited, and I again attempted to make a payment ending with my account ending with XXXX at XXXXXXXX XXXX 
Today I checked at the locaXXXX XXXX XXXX XXXXXXXX to see if the payment had been made. They said the money was taken out of the account ending with XXXX on XX/XX/2022. 
I was charged {$35.00} because of course I had transferred money from the XXXX account to the XXXX whereby I attempted to make the payment from. 

I called Capital One Auto Loan 5 times this morning to straighten out this problem Each time I was sent to a different person or department. After calling them several times they said, their system was being worked on, and they hung up on me. 

The service operators at Capital one called themselves, XXXX, XXXX XXXX, XXXX, and XXXX I finally became fatigued from their inability to talk legibly to me about the constant confusing mess they were making at my payment bank. 

I told XXXX that Capital One Auto is a XXXX DOLLAR BUSINESS Banking system, and can afford to keep track of their software. It makes absolutely NO logic at all that Capital One Auto Loan doesnt have their systems completely up to date at all times of the day, and year. So, their excuses make no common logic at all. 

This situation is causing problems with my Credit Report, and adding extreme problems to my business banking accounts. I need reimbursement from this bank for the problems they are causing me. This is not the first time their company software has said they accepted my payment, and then when I checked again the software says my payment wasnt accepted. Their waiting periods between them accepting the payment, and the money coming out of my XXXX XXXX account varies greatly from month to month. Mostly as long as they werent charging extra fees I ignored it. But, I can no longer to that as it is so obviously that the Corporate Bank Offices are ignoring their own bad management practices.
Consumer complaint received 2022-09-26
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)

In Accordance with the Fair Credit Reporting Act XXXX. 
Account XXXX XXXX Account # XXXX XXXX XXXX XXXX # 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 consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: CITIBANK, N.A. (IA)

In XX/XX/year>, I received checks from Citibank for my credit card when I called to have them stop sending these checks. They locked my account because they decided based on my first name that I should be female and they didnt believe that they were speaking with the correct party. I called back a subsequent time and resolved the locked card issue and what I thought was the convenience check issue and this week I received more convenience checks from them. 
Because of the previous interaction, I have stopped using this credit card because they did not resolve that issue of the rudeness from the representative to my satisfaction but now theyre sending checks again. Having formally asked them to stop sending these because they are a risk and them not complying with my request. I am submitting a complaint to you the CFPB so that this can be documented formally by a governing agency that they are noncompliance with a privacy request from a consumer.
Consumer complaint received 2022-10-13
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. (NY)

In accordance with the Fair Credit Reporting act XXXX accounts are fraudulent and Where not made by me. I do not recognize these inquiries and demand that they be deleted from my account immediately : 1 ) XXXX XXXX -- Inquiry Date : XX/XX/XXXX. 
2 ) XXXX XXXX -- Inquiry Date : XX/XX/XXXX 3 ) XXXX XXXX -- Inquiry Date : XX/XX/XXXX 4 ) XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 5 ) XXXX XXXX -- Inquiry Date : XX/XX/XXXX 6 ) XXXX XXXX -- Inquiry Date : XX/XX/XXXX The aforesaid creditor did not have my written consent to access or pull my credit report. Please provide proof of my written signature that granted these companies to access my credit report. If that can not be done please remove these inquiries promptly. Please do not reply with a generic response about your obligation to report the inquires as they are. I am well aware of my rights that are allotted to me by the FCRA. And the aforementioned accounts are in violation of several FCRA Laws that are allotted to me. I do not recognize them and they are fraudulent and need to be removed off my credit file immediately. They are harming my credit file and hindering me from getting reasonable financing terms. In accordance with the fair credit reporting act XXXX account : 1 ) XXXX XXXX : XXXX ( Delinquent for the months of XX/XX/XXXX ), has violated my rights. 15 USC 1681 Section 602 States i have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 623 ( a ) ( 7 ) 15 USC 1681 and 621 15 USC 1681 : I did not receive a model B-1 or B-2 notice stating that the following accounts ( XXXX XXXX : XXXX ) were going to report delinquent. As a direct result of the violation of my rights that are allotted to me by the FCRA, i would like for the following late payments and inquiries to be removed from my account. I do not want any generic information the FRCA. Or any generic response, i am well aware of my rights under the FRCA. I would like to have the late payments and inquiries removed from my account because they are not verified and are violating my rights.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: PENTAGON FEDERAL CREDIT UNION (IL)

PENFED is suppressing ( NOT reporting ) my payment history on my POSITIVE installment TradeLine. PENFED is also currently reporting negative information, proving that their suppression of my POSITIVE payment history is punitive, retaliatory, harassing, and deliberate. PENFED is violating my FCRA rights and is causing me great hardship regarding finding an apartment and employment. PENFED is also preventing me from obtaining credit at reasonable rates. PENFED CAR LOAN XXXX ( on my XXXX Credit Bureau Report ) clearly shows UNKNOWN PAYMENT HISTORY. I have filed numerous disputes with XXXX and PENFED to correct this, but XXXX claims that PENFED is NOT REPORTING the POSITIVE payment history. PENFED must restore my POSITIVE payment history, which was listed on my XXXX file previously but is now not being reported by PENFED.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I, the consumer and natural person was denied credit by this financial institution when I applied for an loan. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against due to the response I received. Which is in violation of 15 U.S.C 1642 U.S.C 1681 and 12 crf 1001 because I, the consumer made an application in good faith, but credit was not issued. Furthermore, because my social security number was used, and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit ) on behalf of this financial institution. If the financial institution fails to make any reasonable procedure to resolve this matter and compensate me for the use of my credit card, I will indeed make the financial institution criminally and civilly liable for all actual damages pursuant to 15 USC 1681o. I will also follow up with an invoice for said violations ( {$1000.00} ) per violation.
Consumer complaint received 2022-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Upgrade, Inc. (FL)

XXXX XXXX. Written statement describing the situation that led to your dispute. 
Answer to my best of my knowledge I was attempting to make a purchase on around XX/XX/XXXX or XXXX which at that moment I noticed card was missing or lost. After realizing my card was lost or misplaced, around XX/XX/XXXX, my self and my girlfriend tried to find the missing or lost card with out success we tried calling customer service number registered on my phone directory. However my location out of the country connection problems. I was not able to complete the call. 

Company Questions A copy of the police report which sustains your claim. 

Answer I don't have XXXX! 

Question ; Would like to have a complete police report which includes the following details : Answer to my best of my knowledge I am personally providing information via this method and I have call customer service on XX/XX/XXXX of 2022 Question ; Circumstances surrounding the lost card - complete narrative. 

Answer to my best of my knowledge. I have provided this information via telephone call with my girlfriend and myself after succefuly contacting customer service department on XX/XX/XXXX. my girlfriend spoke to customer service department and they succefuly got her a translator she was able to give details information about the lost card so was I eventhoug my condition was fragile at that moment while on the phone this information was giving on great detail Note : On thursday XX/XX/XXXX my XXXX was calling she was told several times " No Spanish '' In XXXX occasion on Thursday XX/XX/XXXX they place place her on hold the call got disconnected. 

Question Company When the card was discovered missing. 

Answer to the best of my knowledge On around XX/XX/XXXX or XXXX of XXXX of 2022. 

Company Question Unauthorized transactions that took place. 

Answer to the best of my knowledge After reading information you have provided the following dates are listed XX/XX/XXXX ( XXXX times ) and XX/XX/XXXX ( XXXX times ) Answer Those are Unauthorized transactions. 

Company Question Are you willing to prosecute Answer Yes. 

Note : My girlfriend Human Rights Act were violented language she was humiliation due to her barrier of XXXX limitation.
Consumer complaint received 2022-09-26
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. (NJ)

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. 
Account name : XXXX XXXX ACCT XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights XXXX 

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 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX XXXX XXXX : {$5300.00}
Consumer complaint received 2022-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION (GA)

I opened an account with Pentagon Federal Credit Union on XX/XX/22. Prior to opening this online account, I submitted all of the requested information to verify my identity and establish worthiness of being issued an account. 

Since opening the account I have made a total or XXXX accounts ( unable to access account for reasons to be disclosed later ). On XX/XX/22, I made a mobile deposit of a check written from a reputable business/ my Attorney 's office and received the usual notification that there may be a usual and customary delay before gaining access to the funds. After that deposit, I attempted to take care of monthly financial obligations for which the account already had funds available. On XX/XX/22 I received notification from my mortgage company that there was an issue with my XXXX monthly payment. When I logged onto the mortgage company website for further details I was then informed that my account was blocked. 

Supposedly my account was blocked by PenFed on XX/XX/22 yet this institution has made no attempt to notify me. They have my phone number, email address as well as mailing address yet my first notification that there was an issue with my account came from my mortgage company. This is yet another example of the incompetency and discriminatory behavior of this company and its employees. 

I attempted to access my PenFed account and received a pop-up message that my account was blocked and contact information was provided for additional information. I contacted the phone number provided and was told that there was suspected fraudulent activity on my account ( what exact fraudulent activity is unknown to me and PenFed refusing to elaborate any further ) and as a result my account is blocked. I am now required to submit additional documentation to verify my identity ( once again for reasons undisclosed to me ) and I am not only denied access to the funds that were already available in my account but also the funds for the recent mobile check deposit. This has resulted in all of my funds for paying monthly financial obligations frozen with an unknown release date. In all of my years of dealing with the banking industry, I have never had an entire account frozen due to a mobile check deposit. At the very most, access to the funds related to the mobile deposit in question would be delayed by XXXX weeks at the most. I am unfairly being discriminated against due to reasons undisclosed. This has created an unforeseen financial hardship for my family in addition to unnecessary stress and in adverse effects on my health.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC. (TX)

My Repport there are many errors in my credit score that are almost 100 points in less than a month that lowered what it has cost me so much work to upload. there are 100 or more points of my score in my report, I am up to date with my payments, I have paid some in full and my credit score has improved. Here I am attaching documents so that you can check it and repair my score because it has already been several times in less than a month and a half to download a lot and I request that it be repaired, since they will not update their data and in the meantime I keep losing and downloading every day my score and my credit. Thank you.. Equifax. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX snn. XXXX
Consumer complaint received 2022-10-13
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. (WI)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, BANKRUPTCY XXXX XXXXXXXX XXXX XXXX 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 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$1700.00} XXXX  XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-08-22
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. (AR)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX ****, has violated my rights. 

Hard inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (CA)

I am concerned because i only owed XXXX on my care credit and out of nowhere they raised that I now owe XXXX I understand that there was a promotion for a year and that the year is up. But why are they charging me XXXX more to my new balance instead of now charging me interest fees? As my understanding they should charge interest now that the promotion is over but why add XXXX to the balance? As well as I was paying XXXX dollars interest every month before the promotion was over.