davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

XXXX Through XXXX my XXXX checking account was hacked into twice and my account was frozen. As a XXXX, I was already having a hard time making credit card payments. All email, and phone correspondents with Capital One indicated that if I made my minimum balance by XX/XX/XXXX, the account would remain open and in good standing. I made those payments, in fact paid it off almost completely. After making the payment Capital One informed me that my account was restricted and going to be closed. I have been defrauded into making a large payment that I couldn't really afford with promises of my account remaining in good standing. I have spent the past 3 days trying to contact them, over 4 hours on the phone just to be told by an over worked, super rude, customer service agent that their was nothing he could do. This company should be held accountable for it's shady business practices, and for taking advantage of the poor. Along with more emails than attached, I have phone calls recorded. I made payments of XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX under the assumption that my account would remain in good standing. Capital One customer service, is misleading people with this practice.
Consumer complaint received 2024-10-22
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. (FL)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2021-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am a client or was a client in a XXXX XXXX  XXXX  with more than 12 years old, I have 2 accounts and two credit cards, I am not a United States resident, but I have never had problems with the institution and I have always fulfilled my obligations, they just I closed both my credit card accounts and they notified me that they would also close my accounts, can I do something about it? 

I proceeded to call them and after one hour and thirty minutes, the operator simply told me that the institution was no longer interested in doing business with me, without any reason or motive. 

XX/XX/2021 Bank Of America
Consumer complaint received 2020-04-20
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. (AR)

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.
Consumer complaint received 2024-10-22
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/year> Re : Dispute of Inaccurate Information [ XXXX XXXX XXXX Account # XXXX and XXXX Account # XXXX ] Dear Sir or Madam, I am writing to formally dispute inaccurate information reported on my credit file. In accordance with 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ), I request that you investigate the following accounts and either verify all information for accuracy or remove the erroneous details from my credit report entirely. 
The accounts in question are as follows : XXXX XXXX Services Account Number : XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) Account Number : XXXX I believe that the information currently reported is inaccurate. Under the Fair Credit Reporting Act ( FCRA ), it is your duty to ensure that any information reported on my credit report is accurate and complete. As the information on these accounts is inaccurate, I request that you take the necessary steps to update it to reflect accurate data or, if verification can not be completed, remove the accounts from my credit report.

Should you fail to fulfill this request within the legally mandated 30-45 days, I will pursue legal action to collect damages of {$1000.00} per inaccurate item as outlined by the FCRA. 
Please send me written confirmation once this issue has been resolved, and please provide me with the results of your investigation.

Thank you for your prompt attention to this matter. I look forward to your resolution within the next 30-45 days. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-29
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Shellpoint Partners, LLC (GA)

Complaint Details : I am filing a complaint regarding misleading information provided by Newrez during the processing of my mortgage loan. Throughout the application process, Newrez representatives, specifically XXXX XXXX, assured me multiple times that closing costs would be rolled into my loan amount. However, I have since been presented with inconsistent closing costs, with amounts differing from those quoted during our conversations. 

On at least XXXX recorded phone calls, XXXX XXXX, a representative of Newrez, stated that my closing costs would be included in the loan. Additionally, on XX/XX/year>, I received an email from XXXX XXXX confirming that I would " not have to bring any cash to close, '' reiterating that Newrez would cover these costs as part of the loan. Despite these assurances, I have now been presented with closing terms that contradict these previous communications. 

I have attempted to address this with XXXX management team, requesting they honor the original terms presented to me. However, my concerns have not been adequately addressed, leading me to believe there XXXX be systemic issues affecting other consumers as well. 

Desired Resolution : I request that Newrez adhere to the original agreement by rolling the closing costs into the loan as initially promised. If this is not possible, I would appreciate assistance from the CFPB to ensure this matter is resolved transparently and fairly. 

Supporting Email from XXXX XXXX : From : XXXX XXXX [ XXXX XXXX ] Sent : Thursday, XX/XX/year>, XXXX XXXX  To : XXXX XXXX XXXX Subject : RE : [ XXXX ] XXXX : XXXX - XXXX, XXXX XXXX!! 

Hello, I am not in the office today, but I will have my XXXX update the file asap. 
You will not have to bring any cash to close. I will make sure we are on the same page as the processor as well. 

If you want immediate assistance, below you will find his contact information. Otherwise, I will be in first thing tomorrow. 

XXXX XXXX XXXX XXXX XXXX # XXXX This email from XXXX XXXX underscores the information I received, confirming no cash would be needed at closing, and illustrates the inconsistencies I have encountered.
Consumer complaint received 2024-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTIONS USA, INC. (LA)

Collections USA INC XXXX, AZ XXXX Subject : Dispute of Unknown Charge on Credit Card Account To Whom It May Concern, I am writing to dispute a charge on my credit card account that I do not recognize. The transaction in question is as follows : - Transaction Date : XX/XX/year> - Amount : {$190.00} - Description : Unknow/Fraud I have thoroughly reviewed my credit card statements and have confirmed that I did not authorize this charge. Therefore, I am formally requesting a full investigation into this matter and asking for the immediate removal of the charge from my account.

Please provide me with all relevant information regarding this unauthorized charge, including any supporting documentation that may have been provided when the transaction was made. Additionally, I request that you provide me with regular updates on the status of the investigation.

I kindly ask for your prompt attention to this matter and the resolution of this dispute as soon as possible. Please contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any further information or clarification. 

Thank you for your prompt assistance in resolving this issue.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE 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. XXXX XX/XX/year>
Consumer complaint received 2024-08-13
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: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-02-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

XXXX XXXX XXXX XXXX sent charges to Genesis collection agency on XXXX. I was not aware that these false charges had been fowarded to the collection agency. Until XXXX when I went to buy a new car, at XXXX XXXX XXXX XXXX and was told there was an alert put on my report. I was denied for purchase of a car at XXXX percent because my credit score was XXXX. Also i have been denied housing because of this.I contacted Gensis by mail on XX/XX/2019 with explaination. THis is all in retalition due to me fillng human righ commision claim. They still have not provided me with all the original blls, that all say estimate.Nor have they put a dispute on my account or removed from my credit report.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (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 XXXX  according to XXXX-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 listed IMMEDIATELY.
Consumer complaint received 2024-10-23
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Results Unlimited, Inc. (VA)

I received a letter from results unlimited llc their phone number is XXXX the letter says they are trying to collect a debt for the XXXXXXXX XXXX for the amount of XXXX. I do not owe this amount and if I did owe any money to the XXXX XXXX it would have been covered by my deposit which they never returned. I received a document saying I am being sued by the XXXXXXXX XXXX and I need to appear in court on XX/XX/year>. This is incorrect I do not owe them any money and they are taking me to court for this ridiculous amount of {$9300.00} this needs to stop I am being harassed by them as well. This is not my debt and the XXXX is practicing unfair billing, management and use of power.
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION (FL)

I opened an account around XX/XX/year> with {$200.00} and due to checking account maintenance fees, I now owe them {$20.00} after they already have taken {$200.00} in fees. Truist bank will now not close my account unless I bring the balance back to a XXXX dollar balance. I do not think their terms of service should allow blackmail and creating overdrafts based on fees. This bank is completely fraudulent. 

They will not place a hold on the account and their customer service reps have no authority to hold or close the account. So basically I am being blackmailed for opening a bank account with Truist Bank.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

On XX/XX/year> I signed up for XXXX {$19.00} subscription. I was promised access but was never given same. I was authenticated. 

On XX/XX/year> I canceled and asked for refund ... .no refund came. I was authenticated. 

On XX/XX/year> I asked for refund, given assurance and # XXXX but no refund. I was authenticated. 

On XX/XX/year> I spoke to XXXX who said he would refund # XXXX and on XX/XX/year> a refund to my XXXX XXXX for {$19.00} took place. I was authenticated. 

On XX/XX/year> Equifax charged my XXXX XXXX Acct for {$19.00} for canceled service. I was authenticated. 

On XX/XX/year> I attempted to obtain refund from Supervisor XXXX then later from Supervisor XXXX, but was told I was unable to authenticate my identity although I answered same questions previously. I want Equifax to stop fraudulently charging me for services they are not providing.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I have disputed multiple inaccuracies on my consumer report which have not been verified by said company, no proof has been shown. I have written many disputes without the agency giving me my right to have the process in which the company verified the debt. 
I have recently received a copy of my consumer report, and I noticed some late payments and false/unverified accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This agency is in clear violation of the law Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Unless you can show proof with my signature with written instructions of this, I am demanding these late payments be removed. 

I have no signed contract with XXXX loan services. Unless a signed agreement/contract between me and XXXX can be furnished, I demand the account be removed.

Furthermore, the FCRA 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS - except as provided in paragraph ( XXXX ), the term consumer report does not include : ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Again, delete the late payments associated with the accounts above that your agency is reporting illegal information on my behalf. 

Reminder, are in violation of the Fair Credit Reporting Act.
Consumer complaint received 2024-08-13
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. (IN)

I am not liable for this debt with XXXX XXXX. I do not have a contract with XXXX XXXX XXXX trying to collect money from me for something I do not owe. I did not sign a contract with XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX did not provide me with the original contract as I requested. 
Account Number- XXXX Balance- {$XXXX} Date opened- XXXX XXXX
Consumer complaint received 2024-10-22
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. (FL)

Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against [ Credit Reporting Agency Name ] regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
Account Information : Creditor 's Name : XXXX  Account Number : XXXX Date of Late Payment : XXXX XXXX, XXXX Nature of Complaint : On XX/XX/year>, I submitted a dispute to EXPERIAN disputing a late payment reported by TDRCS/SAMSUNG I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : 1. I made the payment as I was always making it without any problem and suddenly they report that I had a delay. They reported it to me in the three bureaus and in XXXX they verified and confirmed that it was an error and they eliminated that payment late. 
2. This account is so far up to date in payment, the entire debt was paid.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint.

Sincerely,
Consumer complaint received 2024-10-22
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)

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 2024-10-22
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. (DE)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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.