davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have been a CapitalOne credit card holder for 20+ years. The interest rate being charged right now is 25.24 %. Quite often - I pay off my credit card every month but recently - what with the very high cost of living these days - unfortunately I've now had to carry a balance. Being retired and on a fixed income - this rather high interest rate is making it a bit difficult to make any progress on my balance. I've requested the company lower my interest rate - especially since my credit score is in the 'excellent ' category at XXXX They've repeatedly told me no- they do not have the ability to lower the interest rate being charged on my card. I find this unacceptable. Have they not received a ton of money from me already in the 20+ years I've been with them? How can this be legal to charge such an exorbitant interest rate amount?
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2022-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

I have an HSBC advance checking and direct saving accounts open in XX/XX/XXXX. I close my checking and saving account on XX/XX/XXXX, but before I close all my accounts, The HSBC representative told me I can still have access to my accounts statements after account closing. Since all my statement is e-statement so I don't have any hard copy. Now I need to check my HSBC statement but I can not access it online since my accounts have been closed. I am giving misleading information before I close my checking and saving accounts, otherwise, I will save all my statements.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 : {$5300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX US DEPT . OF EDUCATIO XXXX
Consumer complaint received 2022-01-01
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. (NY)

I am not an attorney am not I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work, and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX XXXX XXXX XXXX XXXX My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations, so I care to protect the integrity of my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

My identity was compromised and it has left an negative impact on my credit file, and with that said I'm asking for this fraudulent and unknown account to be removed and blocked from my credit file immediately. 

1. XXXX XXXX
Consumer complaint received 2020-05-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

I contacted Bank of America ( whom my mortgage has been with for the last 10 +  years ) to refinance. I was connected with loan office XXXX XXXX. I asked that we not proceed until he checked my debt to income ratio to make sure I would qualify. He claimed he did. He then asked for {$600.00} to do an Appraisal. I told him in no uncertain terms that I did not want to pay that unless he was sure it was going to go through. He said no problem. I also asked him that if for some odd reason it did not would I get that money back as I have no need for an Appraisal. I have an email stating from XXXX XXXX stating I would. Because of his miscalculations the refinancing did not go throught and now they refuse to give me my {$600.00} back. I have contacted them at least 10 X. No one will call back and now get an email from him stating that they refuse to give the money back.
Consumer complaint received 2020-05-16
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica (KS)

My mom and I have spent over 20 hours this week on hold to activate her card and we keep getting disconnected. 

All her bills are late and getting late fees along with the fact she is XXXX, this Direct Express company Ive ever tried to contact in all my life. 

We need help ASAP. 

No answer for over 20 hours of being on hold and stuck with no way to access her money. 
My email is XXXX XXXX
Consumer complaint received 2021-12-29
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information
Consumer complaint received 2023-09-26
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. (MN)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts 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, and I'm including it again. 
DEPT OF ED / XXXX XXXX XXXX XXXX {$1800.00} ; DEPT OF ED / XXXX XXXX XXXX XXXX {$3600.00} ; DEPT OF ED / XXXX XXXX  Balance : {$3600.00} ; DEPT OF ED / XXXX XXXX XXXX XXXX {$4700.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00}.
Consumer complaint received 2021-12-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-20
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2019 I received my Capital One statement and noticed a charge made by "XXXX XXXX XXXX" in the amount of $XXXX.  This charge was not made by me so I immediately contacted Capital One's Fraud department.  At the same time I received an email notice that there was a pending payment of $XXXX to be drawn by XXXX XXXX   bank.  Capital One was advised that not only did I not set up that payment but I also do not even have a XXXX XXXX   account. Cap One cancelled that payment immediately and a fraud investigation was opened.  They DID NOT send me a fraud packet or an affidavit to be signed and returned.  Fast forward several weeks and I notice the charge has been put back on my card.  I called Capital One again.  They insist that the charge is valid because they say the card's chip was used.  After 5.5 hours of being on the phone speaking with multiple departments they disconnected my call.  I called the following day and spoke with manager named XXXX.  He took the time to look further into the notes and advised me he sees where a new card was sent out on XX/XX/XXXX.  I advised him that I did not request a new card.  I asked for proof that I requested the card.  I also asked for a signed receipt proving the charge was mine. I was refused both request.  XXXX  then assured me that he feels that he can see where the problem is even though he would provide no details.  He told me not to worry and that they will resolve everything.  Fast forward several weeks again, the charge is back on my card.  I called again and spoke with XXXX.  He says he took it to his manager and was told they refuse to remove it. My son researched this online and there are several complaints of this same type of fraud and Cap One not doing anything to protect their consumers.  I am a senior citizen, XXXX years old.  I have never charged more than a could of hundred dollars in 15 years as a Cap One customer yet they allow this fraudulent charge of XXXX to go through?  I feel like this is elderly abuse and Capital One is doing nothing to prevent it or to try and provide proof it was me.  It is there responsibility to gather a signature and they failed to verify that.  There are also cameras everywhere today....why would they not contact this "company" and demand to see video proof of me making this charge?  Instead of trying to recoup their loss they are taking advantage of a senior citizen! I have filed a police report with the XXXX XXXX Sheriffs Office for fraud.  That Case # is XXXX and the Officers name if Deputy XXXX, Badge # XXXX.  I am also contacting the state attorney general in Virginia, The Treasury Department's Office of the Comptroller of the Currency, and any other governing agency to file complaints.  I am also going to contact XXXX, XXXX, XXXX, and XXXX news stations that have special segments to help local consumers fight wrong doings such as this.
Consumer complaint received 2023-09-26
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. (RI)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit 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 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 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-26
Product: Credit reporting 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. (IL)

I'm reaching out to remind you about the issue with my credit records. I had asked Experian to get rid of a recent fraudulent inquiry, and I just want to make sure it's going to be gone when I update my credit report in the next 15 days. Here is the inquiry : EXPERIAN : XXXX XX/XX/2023
Consumer complaint received 2021-12-21
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau date the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2021-12-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MD)

I was furloughed during the pandemic and applied for forbearance from my loan servicer in early 2020. I was not advised that I would be responsible for repaying the entire past-due amount after the forbearance period. I have contacted the servicer and requested options to repay the balance over time, I have offered some lump sum payments and have been denied without any resolution except selling my home or foreclosure. My loan is with a private lender which seems to have no intention of working with me. In my latest appeal, I offered to pay XXXX of the XXXX that of the forbearance amount. This offer was declined without any other offer to help us. This seems unfair and I know that government-backed loans are receiving better treatment. I am only asking for time for my income to return and to raise cash to pay this unexpected balloon payment.
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. (DE)

XXXX XXXX XXXX was notified throughout the year 2021 in regards to inaccurate reporting to the bureaus. As a consumer who suffered from COVID in 2021 and was protected under ( " CARES Act '' ) Pub.L. 116-136. XXXX XXXX XXXX was supposed to responsibility investigate and take proper action to determine if they made good faith efforts to investigate disputes. Whereas, this company did not. In XXXX, the consumer 's account was reported as 30 days late. Where payments were made and  arrangements were requested due to COVID. XX/XX/2021 " XXXX XXXX XXXX '' reported the account as 30 days late again. Then 60 days late in XXXX and  reflected as current in XX/XX/2021. The discrepancies continued, where XXXX reflected 30 days late and  XX/XX/2021 as 60 days late. Then current in XXXX and  back to 30 days late in XX/XX/2021 and 60 days late in XXXX. Finally, with noticing the discrepancies and lack of support and good faith reporting during COVID 19. XXXX XXXX XXXX was notified on XX/XX/2021 regarding suffering from COVID-19 personally in XXXX and attempting to recover. Whereas the correspondent stated to send a letter in via FAX to further explain that I had XXXX after providing account and identity information as requested regarding the account. Awaiting relief " Good Will '' letters and " Negative Item Reporting '' disputes were sent off to the bureaus on XX/XX/2021, and  again on XX/XX/2021. It was XXXX XXXX XXXX due diligence to investigate this account with good faith. Concluding, reporting more discrepancies with the account as follows being reported as current to  negative all in XXXX.
Consumer complaint received 2023-10-05
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: BMW Financial Services NA, LLC (CA)

The issue is that this specific account was opened with BMW Financial Services on XX/XX/2019, as stated on the credit bureaus. I had no prior knowledge of this particular loan because I was unaware another car loan was added to my credit report. This account resulted from identity theft and fraud because I was unaware of this account, a new car, and a new lease being added to my credit report. Plus, I was not the person that got the car. I recently learned about this account, and I contacted BMW to inform them that they're reporting an account on my credit report that I am unaware of. They told me the car is a lease and it was a new lease in 2019, but the car was repossessed, and the account is currently in charge-off. I asked them when and how this loan was opened without my permission because the account is not mine, and they should immediately investigate this. The representative refused to continue talking to me. I requested information about the account, but they refused to provide anything. They claimed that since I'm stating the account is not mine, they are not privileged to share information. However, they continuously report this fraudulent account that resulted from identity theft on my credit report. When I checked, the credit bureau said the loan 's original balance was {$21000.00}. But currently, the loan balance is {$31000.00} and continues to increase. I told BMW continuously and sent them documents with a notarized affidavit that the account was not mine and that such derogatory and fraudulent accounts resulting from identity theft must be removed from the credit report. Bottom line, I want to state that the account is not mine, and they must release this fraudulent account or loan from their record and my credit report because I am not the obligor of this car and this loan.
Consumer complaint received 2023-09-26
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-09-10
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)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!