davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
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)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts inquiries listed IMMEDIATELY.
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA (GA)

I am disputing the balance due and requesting an audit. I had inquired previously regarding being double billed by a vendor. The dispute was closed unsatisfactory. However, the credit card company is now double billing for that vendors charges. I have included invoices from XX/XX/XXXX through XX/XX/XXXX. As you can see my statements were always paid timely and in full. This issue is having an disruptive effect on my finances and well as incorrect billing and credit reporting. Please correct pursuant to the Fair Credit Billing Act.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX Balance : {$350.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00}. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-09-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I requested multiple balance transfers to my Bank of the America Credit Card in the past year and never missed a payment. I have a balance transfer that is about to expire on XX/XX/XXXXXXXX That specific deferred interest balance, on XX/XX/XXXX was for a total of {$3300.00}. My understanding is all credit card payments in excess of the minimum monthly payment needs to be allocated to the deferred interest balance for 2 billing cycles prior to the expiration date. From XX/XX/XXXX to XX/XX/XXXX, I made XXXX payments totaling {$6000.00}. According to Regulation Z ( XXXX ), that deferred interest balance should have been paid off. On my XXXX statement, the deferred interest balance expiring on XX/XX/XXXX is {$3000.00}. 

I had a virtual chat with XXXX on the Bank of America App on XXXX I also had a phone conversation on XX/XX/XXXX. Both agents stated that the payments could only be applied to the balance with the highest APR. I informed the agent on the phone XXXX XXXX ) about the federal law stating payments within the 2 billing cycles prior to the expiration date need to go towards the deferred interest balance. He stated Bank of America 's credit card agreement does not state they have to do this. I asked him if he could send me an electronic copy of the credit card agreement, he said he could not. The agent attempted to contact a manager but after a few minutes, he stated there was none available. After being on the phone for 39 minutes, I ended the phone call. 

I can not find the credit card agreement that was mailed to me but I did find one online which states this. The credit card monthly statement also states the same thing. However, neither documents mentions anything about excess payments requiring to go towards the deferred interest balance that is about to expire within 2 billing cycles.
Consumer complaint received 2023-08-29
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (ID)

Hello, This is actually a huge complaint. XXXXXXXX XXXX  XXXX XXXX card from start to finish has been a horrible practice/experience. The representative didn't use my address, so my card got sent to the wrong place. When I tried to call to get that corrected, they wanted me to verify information, which I did ( lived here, etc ) then they said they needed mail/pay statements/etc to fix the error that their representative made. The store couldn't help me prior to that, so I didn't understand why it was so complicated. 

I finally escalated and got them to cancel and then they could magically change the address without the further intrusion on excessive needs of my privacy details. 

I mailed a check on XX/XX/16 and my bank verifies they received it on the XXXX. They haven't cashed it but I did send it. 

I informed them this on one of their calls that was excessive. 

They call sometimes every 45 minutes. Use like 10 phone numbers. I mailed in my payment and they have been harassing me. I work overnight, so I don't sleep right, so it's hurting my work. 

I call today, upset bc I missed 4 calls by XXXX XXXX. The representative yells at me for being upset and calls me names. Threatens to not help me but transfers me to a representative that does help me enough to submit a claim to see if they can take my payment. 

I XXXX percent trust them to pay on their system. 

I want to get a lawyer and sue but also don't want the complications. I am very tempted at this point and am resisting the urge. I wanted to at the least, file a complaint, because that was unacceptable.
Consumer complaint received 2023-08-31
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. (NJ)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or wholly updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (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 but not limited to 15 USC 1681, 15 USC 1611, and 15 USC 1605. XXXX Accounts # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 US.C 1681 section 604 A Section 2 : It also states, a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt is reporting correctly. 15 U.S.C 1611. States youre supposed to be notified of all signing information. 15 U.S.C 1605. States a finance charge is supposed to be a sum of all charges.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible
Consumer complaint received 2017-12-05
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: ALLY FINANCIAL INC. (PA)

In XXXX I brought a car that was financed through Ally Financial. Over the 5 year period I have paid the payments in XXXX XXXX I paid XXXX to pay the car off like Ally said I owed. At the end of XXXX XXXX, my wife and I received the title and we kept the car continued to drivXXXX until on XXXX XXXX, XXXX, Ally had XXXX come and steal our car saying that we owed an additional {$3000.00} for fees, late payments and etc. I immediately called the police and insurance company cause I have a title that shows my vehicle free and clear. In XXXX they told me I owed XXXX on the car. In XXXX XXXX, I paid XXXX, XXXX I paid XXXX and they sent me documents with 3 different amounts on what was still owe I questioned them. In XXXX I paid XXXX and in XXXX after I contacted them to see how much was left they said XXXX. I paid that and I received my title in XXXX XXXX. Now I think it is very unfair that I paid all this money to have my car stolen from and now they are saying they are selling it again to someone else on XXXX XXXX if I do n't give them additional money. Every time you speak to someone at ALLY you get a different story. It does n't make sense to me.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

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.
Consumer complaint received 2023-08-29
Product: Credit 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 (OH)

I was scammed by a ticket broker and charged {$200.00} per ticket for XXXX tickets that have a face value of {$29.00}. Attached is the dispute letter we sent to Capital One, which details the events and circumstances of the matter.
Consumer complaint received 2024-08-11
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: Experian Information Solutions Inc. (OH)

XXXX has repeatedly ignored my requests to prove I made a payment in XXXX and XXXX of XXXX. I have asked them to take the vehicle for its sitting in a shop parking lot for the last 5 years trying to exercise my right to a voluntary repossession however they refused then continued reporting falsely on my account and keep updating the statute of limitations date.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Subject : **Complaint Regarding FCRA Violations Unauthorized Reporting of Negative Items** Dear CFPB, I am writing to file a formal complaint regarding ongoing violations of my rights under the Fair Credit Reporting Act ( FCRA ) by XXXX, XXXX, EXPERIAN For over [ 4/5 ] years, I have been disputing the following negative items inaccurately reported on my consumer report : Account Name/Number XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX  Date XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Also I have some inquiries that were added to my report 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 XXXXXX/XX/XXXX These negative items were reported without proper verification or notice, which constitutes a clear violation of my rights under the FCRA. Specifically : 1. **Failure to Provide Notice** : The creditor failed to provide me with the required notice of adverse action as mandated by Section 615 ( a ) of the FCRA before reporting negative information to the credit bureaus.

2. **Lack of Proper Investigation** : Despite my repeated disputes over the past several years, the credit reporting agency has not conducted a proper investigation or corrected the inaccurate information, violating Section 611 ( a ) of the FCRA.

3. **Privacy Violation** : My privacy rights were violated as my personal information was shared without my explicit consent, contrary to Section 604 of the FCRA.
Consumer complaint received 2017-12-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (TX)

On XX/XX/XXXX my XXXX XXXX was totaled On XX/XX/XXXX XXXX insurance sent in {$4300.00} ( this did not pay off the loan ) XX/XX/XXXX GAP paid {$4300.00} ( this did not pay the loan off ) My complaint is : When I called the automated system for Santander USA, In XX/XX/XXXX., the automated system stated my next payment due date was in XX/XX/XXXX. Not knowing I would accumulate additional interest during XX/XX/XXXX-XX/XX/XXXX, I payed the next payment in the amount of {$2000.00} on XX/XX/XXXX. In XX/XX/XXXX, when I called their automated system it stated, my next payment was due in XX/XX/XXXX. When I paid the payment in XX/XX/XXXX, it was n't until then I realized I owed more money on the loan than before I paid the $ XXXX payment and the insurance/gap payments. My issue is the Santander system allocation, AND their automated system literally gives consumers a deceptive, artificial, and miss-leading 'NEXT ' due date. Why would anyone wait just to pay more interest and owe more on a loan, on purpose, after significant lump sum payments were made to reduce the loan? That makes no sense. Santander needs to change their automated deceptive and miss-leading system and provide the consumer with the 'REAL ' next due date, which would be on the regular monthly payment date in the NEXT month, not several months down the road, which leads the consumer to an artificial due date, then we are shocked we end up owing more money. The allocation of lump sum payments apparently triggers this deceptive date WITHOUT an explanation, that paying the loan at THE FUTURE DATE PROVIDED BY THEIR SYSTEM, will actually cause the loan to increase. 
I am requesting a minimum refund of {$990.00} paid in accumulated duplicitous interest. Thank you.
Consumer complaint received 2017-12-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (AL)

I purchased {$660.00} of Buy coin on XX/XX/XXXX. On XX/XX/XXXX they canceled my order. As of XX/XX/XXXX I have not received any bit coins or my money back. 

I can not get anyone to respond via phone, email or any of the 3 social media accounts owned by bitcoin. Because of this I am treating this as a fraudulent case, I feel I have been stolen from.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Credit Reporting Agencies are in Violation of Privacy Act of 1974 The law says it is illegal to report transaction history 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows.

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit report-ing. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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.
Consumer complaint received 2016-05-14
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: Blackhawk Network Holdings Inc. (WI)

I received a {$50.00} gift card from my employer through MyPrepaidCenter.com. This card is extremely limited in the number of vendors it is accepted at. By the time I finally got around to using it the card had expired. I was charged a {$15.00} fee for a replacement. I feel that this fee is excessive for providing a replacement card.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I sent the company certified letters XX/XX/year>, requested proof under under the laws of UCC 9.505 as well as State XXXX and XXXX statues. They were given 15days to provide proof and they fail to respond. 
Under UCC : XXXX. XXXX. EFFECT OF ERRORS OR OMISSIONS. 
XXXX. XXXX. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
XXXX. XXXX. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
XXXX. XXXX. CONTESTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.