davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I received a pre approval letter fromn Capital One to apply for a Spark Business Card. on XX/XX/XXXX. I applied online and instatly approved for {$5000.00} for my XXXX. on the same day i was asked to proved for a document that shows my social security number as well govenment issued ID which i provided. Capital one pulled my my credit score/history on XX/XX/XXXX. on XX/XX/XXXX, i received a letter saying that my application denied due to incompleter information or can not be verified. I called the number provided on the letter and spoke with XXXX initially and then XXXX ( supervisor ). they said that my application denied since they could not verify who I was. I told them that i provided my ID, SSN and a Letter from IRS showing my LLC information, plus you guys pulled my credit score on XX/XX/XXXX so i was not sure what else they need and i asked for them to let me know what else i need to privide. Their response was that they already decided before receiving full information and unable to reverse the decision but they would be happy approve if i re-apply. I submitted all requested document for verification on XX/XX/XXXX and the deadline to submit is XX/XX/XXXX so I am not sure why They decided to reject my application. Both representative seem to not be honest about the situation and could not be able to discuss further. I told them that the process to repply is easy but it will affect my credit score since there a hard credit inquiry with every application. both staff said, they are not familiar with how credit inquiry works and could not help me further.
Consumer complaint received 2022-09-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

On XXXX XXXXXX/XX/2022 I received a notification from Capital One that my checking account is being closed on XX/XX/2022 because of a technical issue as they update their banking system. I've had this account XXXX years and it is intertwined with all my financial investments, direct deposits, credit cards, etc. I have never bounced a check or had a low balance.
Consumer complaint received 2024-08-28
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$5900.00}
Consumer complaint received 2022-09-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have received repeated calls and mail from XXXX XXXX XXXX XXXX  to collect an alleged debt from Bank of America. The company has made numerous calls before giving me a chance to dispute the debt. I have written to them by certified mail to inform them to communicate with me via US Postal Services ONLY. I have requested all related Bank of America documents to review the alleged debt that XXXX XXXX XXXX XXXX  is trying to collect. These actions are causing me severe mental distress. 

Previously to receiving communications from XXXX & XXXX XXXX, Bank of America made several phones per day to harass and cause mental distress. They intentionally contacted people who they thought knew me. All of these actions by both companies are mental terrorism.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX, I sent out a a request for an investigation for my credit report to XXXX, XXXX, and Experian. They are not complying with regulations based on my request for an investigation. I have not received any type of investigation results.
Consumer complaint received 2022-09-06
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. (MI)

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 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022 I sent all three credit bureaus a letter that they were reporting inaccurate and incomplete credit information and that i needed to see verifiable proof. They are not complying with regulations based on my request for an investigation.
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (IL)

Hello I have been the victim of Identity Theft, and the thief has opened several accounts with Synchrony Bank ( which operates many different store cards ). I have been able to shut down two of those accounts but there are more appearing on my credit file as recently as two days ago. I am struggling to recover from this identity theft. Please help.
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (IL)

I have 2 credit card accounts with Barclays Bank. I have attempted to pay off both accounts in full and used the total balance due as the amount to pay the accounts in full before the due dates shown on both statements. However, the amount shown as the total balance to pay account in full that was showing was insufficient and I was charged additional interest of approximately {$70.00} on one account and {$50.00} on the other account. My concern/complaint is that the total balance that should have been showing on my statement was in fact not the total balance and Im being charged additional interest. If I had known that the balance was higher I would have paid that amount to avoid any additional interest charges. This is very deceitful by Barclays because I was not allowed to pay off the account in full because they reported an incorrect payment due to pay off the accounts in full so they can charge me the additional interest for an additional month. I tried calling Barclays and the customer service rep XXXX in XXXX told me it was for residual interest but was not able to explain what that amount was not included in total balance due I asked for a supervisor and was put on hold for over 30 minutes after which I hung up.
Consumer complaint received 2022-09-06
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: JPMORGAN CHASE & CO. (PA)

On XX/XX/2022 I contacted Chase at XXXX and spoke first with XXXX and then a XXXX XXXX both from the XXXX XXXX site regarding a dispute from a hotel stay from XX/XX/2022. After a lengthy discussion XXXX told me that she would initiate the dispute and that the charges in question would be credited back to my account while the dispute was being researched, and also that I would receive a request for additional details about the dispute through either mail or the Chase.com site. The charge was not credited back to my account nor did I ever receive the follow up information. 
During the call I also expressed a complaint about the reluctance of Chase to file the dispute on my behalf and was told that someone from the executive office would call me to better understand and resolve the complaint. This follow up also never happened.
Consumer complaint received 2022-09-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (SC)

First all I will admit Ive struggled with paying on time. Now that I have a financial coach I am working towards paying on time. On XXXX i logged into my account with Flagship Credit Acceptance to see the exact amount of late fees I owed ( {$57.00} ) therefore owing a total amount of {$320.00}. I then called customer service at XXXX ( XXXX ) XXXX the rep I spoke with I told him I wished to pay my entire balance. I then gave him permission to use the bank info on file. On XXXX I logged back into my account only to find out my regular monthly payment posted and not the late fees payments. I reached back out to two different customer reps only to be told theyre holding the funds I paid to clear up late fee until i make my next payment on timewhich is on the XXXX of XXXX. I told them there is no way they can hold my money and I will be filing a complaint. This can of practice is very shading ; with that balance still on my account they are collecting some interest from it. Im sure this is being done to many others.
Consumer complaint received 2022-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I DID NOT GIVE US DEPT OF EDUCATION CONSENT TO REPORT ANYTHING TO ANY THIRD PARTY AFFILIATE THAT DOES NOT HAVE A BINDING CONTRACT WITH MY WRITTEN CONSENT TO REPORT MY NON PUBLIC INFORMATION. US DEPT OF EDUCATION FRIVOLOUS AND WILLINGNESS TO VIOLATE MY RIGHT TO PRIVACY HAS CAUSED A TREMENDOUS AMOUNT OF DAMAGE IN MY LIFE. IN PURSUANT TO THE GRAMM-LEACH BAILEY ACT I WAS NOT GIVEN THE NOTICE TO OPT-OUT OF THIS SHARING OF MY NON PUBLIC PERSONAL INFORMATION. I DEMAND THAT THE US DEPT OF EDUCATION HEREBY BLOCK THE ACCOUNT THEY ARE FURNISHING IN RESPECT TO PROTECTING MY PERSONAL INFORMATION AS IT IS THERE DUTY.
Consumer complaint received 2022-09-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BMW Financial Services NA, LLC (FL)

On the day of XXXX XXXX I signed a contract with BMW to purchase a XXXX XXXX XXXX. At the price of XXXX with a balloon payment. I was not provided with the type of notice of my rights to rescission under the Truth in Lending Act ( TILA ), 15 U.S.C 1601et Seq this is required by federal. Upon reviewing my contract, oblations, and rights as a natural person operating in commerce, I noticed that there are several violations present which nullifies the contract pursuant 12 CFR 1026.3 named Truth in Lending. Per the Congressional finding of TILA as well as my due diligence, " It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able during the consummation of the contract BMW did not disclose my right to rescind. Thus being the case, pursuant 15 USC 1635 I have the rights to rescind my initial consent to pursue the pervious terms. I conclude this letter with a demand for you to return my initial down payment since you failed to mention that my finance charge was all I needed to complete the deal and that the cash payment was only of benefit to you. 15 U.S code 1635 ( b ) ( F ) I ask that you return my Down payment of XXXX within 20 days of this notice by law. 

While making payments of XXXX  with a very high interest rate.
Consumer complaint received 2022-09-06
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. (IL)

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 year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-09-06
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. (IN)

This was not sent in error. I am a consumer by law and my info was misused and I now have some false not 100 % accurate accounts and information on my credit report. 

I asked the credit bureaus to do a verification of everything on my credit report and they did and also stated that everything was accurate. I did research myself and found inaccuracies on my credit report even after they said they did research. In Accordance with Fair Credit Reporting act the following accounts have violated my rights : XXXX XXXX Account # : XXXX XXXX  XXXX Account # : XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXXXXXX Account # : XXXX DPT EDXXXX Account # : XXXX DPT EDXXXX Account # : XXXX DPT EDXXXX Account # : XXXX DPT EDXXXX Account # : XXXX DPT EDXXXX Account # : XXXX DPT EDXXXX Account # : XXXX XXXX  XXXX Account # : XXXX XXXX XXXXXXXX Account # : XXXX DPT EDXXXX Account # : XXXX DPT EDXXXX Account # : XXXX DPT EDXXXX Account # : XXXX Also 15 U.S.C 1681 Section 602A says I have a right to privacy and Section 604 A Section 2 says a consumer reporting agency can not furnish an account without my written instructions and consent as well as the right to opt out! I was not given the opportunity for my information to not be shared and I'm demanding removal of these items.
Consumer complaint received 2022-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION (CT)

M & T Bank recently acquired People 's United Bank. The transition has been a disaster and has left me unable to access my personal and business bank accounts. We had plenty of warning that we would not have access to our online banking until this morning. However as of this morning their online banking website is " temporarily unavailable ''. I tried calling multiple times and the wait times are so long I decided to drive down to the nearest branch ( XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ). There was a gentleman in line there who said the ATM ate his card and he was unable to access any of his accounts. I talked to the manager and she said they were having problems as well. She could access my information to confirm my money is safe, however I could not do anything with it since the branch had not received any bank checks and whoever was supposed to swap out their equipment over the weekend didn't finish the job. Unfortunately that leaves the workers at the branch ( manager and tellers ) unable to assist with many basic banking functions or to answer any questions. 
As it stands I and many others are now locked out of our accounts and especially for business owners like myself this is very devastating. Please investigate M & T because this should not be allowed to happen when livelihoods are at stake.
Consumer complaint received 2022-09-06
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. (PA)

Experian has failed to send dispute results and is reporting the following items inaccurately ( see below ). 

ACCOUNTS XXXX XXXX XXXX XXXX inaccurate US DEPARTMENT OF XXXX XXXX inaccurate COLLECTIONS XXXX XXXX XXXX {$240.00} not mine XXXX XXXX XXXX XXXX {$420.00} not mine XXXX XXXX XXXX XXXX {$660.00} not mine XXXX XXXX XXXX XXXX {$870.00} not mine
Consumer complaint received 2022-09-06
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. (IA)

I have contacted The credit reporting agencies to explain that Im a victim of identity theft. Ive added Fraud alerts. Ive mad many complaints about third part debt collection that is on my account they should be removed and they continue to knowing keep it on my report. Ive been violated. They have removed 2 accounts and have left the rest. Ive brought this to their attention and they to be negligent in the investigation.
Consumer complaint received 2022-09-06
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: JPMORGAN CHASE & CO. (IL)

I have submitted multiple complaints to the creditors as well as to the cra 's ( XXXX, XXXX, XXXX ) in regards to the improper reporting and violations of 15USC1681 ( a ), 15USC1681 ( a ) sec ( 3 ), 1581USC 1681 ( a ) sec ( 4 ) and 15 USC 1681 ( b ) ( 1 )
Consumer complaint received 2022-09-06
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)

See attached. Experian is reporting inaccurate information compared to the other consumer reporting agency. I have a the right to privacy according to law. Permissable purpose, I also did not give this company written instruction to furnish. Remove immediately.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

Hello, ALL credit bureaus, despite constant correspondence are still refusing and maintaining old information as current. There is misinformation that is 10 or more years old that is still on ALL of my reports. There are closed, XXXX and false accounts still on my reports, PLUS there are many unauthorized hard inquiries that ALL three credit bureaus refuse to remove! 
There are multiple accounts which were NEVER my own due to identity theft which ALL three credit bureaus REFUSE to remove! 

ALL mentioned must be REMOVED immediately!
Consumer complaint received 2022-09-06
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. (TX)

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
Consumer complaint received 2022-09-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (FL)

On XX/XX/XXXX I arrived at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX in XXXX fl XXXX to see about a XXXX used XXXX XXXX the car was ok and I had to put down XXXX dollars to finance the car from Westlake financial in XXXX XXXX so I agreed to the contract and I started my first payment XX/XX/XXXX which was XXXX every month on the XXXX my next payment was on XX/XX/XXXX which I paid early on XX/XX/XXXX my next payment was XX/XX/XXXX due to my car being parked in the wrong parking space my car was towed on XX/XX/XXXX and my belongs like my Id and credit cards and etc was in the vehicle so the next day which was XX/XX/XXXX I came to get the car from the tow company when I arrive to the tow company to pay for the car being towed they told me that Westlake financial had XXXX XXXX because they did not want nothing to happen to the car ( which is weird cause I never heard that before ) in the contract it doesnt say anything about if the car was in the pound that they was supposed to repossess it so I called them and I stated that I have a contract with them and it doesnt say anything about repossessing my car because of that situation.when I spoke to Westlake financial about how I wasnt late on payments or that the car wasnt in the pound for no more than 1 day the and how can I get my car back she stated I got to pay the repossession fee was XXXX dollars plus the pound which there amount was XXXX I told them I will not be paying that cause I was not late on any payments in the car was in the pound for 1 day.every time I called they hung up in my face or putting me on hold and when I ask for my belongs out the car my id and my credit cards my kids social security cards was missing when I wanted to retrieve my items even my Registration and titles of the car was gone.I am a victim of fraud they sold my car to the auction without my knowledge and I need to speak to someone from CFPB