davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NE)

I received an email on XX/XX/XXXX telling me Discover is closing my account due to inactivity. I paid off the entire balance in late XXXX & because I haven't charged anything on it in a few months, they are closing it. I called on XX/XX/XXXX ( one day after the email ) to discuss with them and it has already been closed- no negotiations. Closing this account will affect my credit- but they don't care about that. I am sure that this is legal or they wouldn't be doing it- but I think it's a horrible practice. So I am being penalized for paying my bills ... ... that is a new one.
Consumer complaint received 2022-02-03
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)

I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. The following collections/closed accounts do not belong to me nor was written consent given for them to be placed onto my reports : 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 XXXXXXXX I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. Thank you for your time and attention to this matter. I look forward to hearing from you soon.
Consumer complaint received 2022-02-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022 Bank of America started closing all of my personal and business accounts without warning or notice. I own the only Medicare Certified home health agency that services three rural counties in XXXX California. I pleaded with Bank of America to give me 30 days so that I could transition my payroll and other important business transactions to a new bank. But Bank of America would not respond and proceeded to close my business accounts, causing my agencies Medicare deposits to be returned to Medicare. 
This has nearly caused the closure of my agency.
Consumer complaint received 2022-02-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc. (GA)

Cash App has stolen fund from me and presumably many more victims. 

On or about XX/XX/2021, I attempted to add my Cash App account to my new device but was denied access. Cash App has since then withheld all my funds, without justification or the legal right. They repeatedly had me try the same processes, that have not worked. I have requested supervisors and have been denied, telling me one is not available. I have requested a physical or virtual office to submit my Identification, to be told one does not exist. I have requested any method to identify myself, to gain access to my funds and have continued to be denied. This negligence by Cash App is causing me additional financial and emotional hardship. 

I have received more than a dozen emails and made over a dozen phone calls since XX/XX/2021 and have been given nothing more than a run around, not one method or representative has gained me access to my funds. I desperately need to provide for my family and Cash Apps refusal to grant me access to my funds, further hinders that.

I have requested Cash App release and give me access to my funds, immediately. 

I am an unemployed, single mother that is struggling through a lot of financial hardships. I was loaned money to help pay for my utilities and give my grandson a birthday in the amount of {$220.00}. Cash Apps criminal behavior has further exacerbated my financial distress and has caused emotional distress as well.
Consumer complaint received 2022-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX, I made a purchase from XXXX through my checking account with Capital One. Please know the following facts, because I have direct deposit, Capital One allows access to my funds, 2 to 3 days before my actual pay date. In this scenario, I get paid on the last day of the month, which would have been XXXX. I made several purchases on XX/XX/XXXX that posted to the account by the XX/XX/XXXX and the funds were removed from my available balance. The purchase was presented to Capital One on XX/XX/XXXX and posted to account by XX/XX/XXXX. On XX/XX/XXXX the {$590.00} was removed from my available balance. Today, the XXXX seller refunded my transaction in the amount of {$590.00}. Today to my surprise, in my Capital One account it states that I had a purchase that posted today in the amount of {$590.00}. Capital One has removed these transactions from the log. When I called Capital One they stated the purchase I made only posted today. When asked where did the money go that was removed from my daily balance, they said that the transaction today was actually a credit and would be posted to my account in 10 days. This was the same information that XXXX said I should see a credit in 10 days. The issue is that this transaction caused a negative balance in my account. So I have direct deposit in this account, what will happen they will clear the negative take the XXXX again which will make three times and only give it back to me in 10 days? This is a XXXX XXXX XXXX, I am out of {$590.00} twice right now. XXXX states that they have proof that the money was refunded, Capital One says the transaction was a refund, that will not get posted to my account till 10 days, in the meantime the negative XXXX represents the original transaction posting.
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My request for the correction and removable of the erroneous information about my inquiries and incorrect information has been diligently neglected by Experian. Besides, the inaccurate information about my inquiries and personal information are still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the inquiries and incorrect information that are still reporting on my account : Inquiries : XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date Updated XXXX XX/XX/XXXX
Consumer complaint received 2022-02-03
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: EQUIFAX, INC. (GA)

I have received an alleged debt collection notice from XXXX XXXX XXXX XXXX XXXX. I have requested a validation of debt on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX and have yet to receive a response. in addition, the XXXX XXXX XXXX are claiming to have received a response but have failed to provide their method of verification. This has been detrimental to my credit report and score. I need to resolve this matter as soon as possible as this hindering my opportunity to secure reputable employment.
Consumer complaint received 2022-02-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (WV)

Today 's Date : XX/XX/XXXX : XXXX  XXXX : Nationstar aka Mr. Cooper. Type of loan : XXXX XXXX XXXX XXXX. My Covid-19 forbearance started on XX/XX/XXXX and ended on XX/XX/XXXX. On XX/XX/XXXX, Mr. Cooper assigned a dedicated loan specialist to help me through the process of getting back on track. I have never heard from nor am I able to contact this individual. At the end of the forbearance period, Mr. Cooper wanted all the money back instead of putting it to the end of the loan. On XX/XX/XXXX, I applied for a loan modification. On XX/XX/XXXX, Mr. Cooper declined it. On XX/XX/XXXX, I submitted an appeal letter. On XX/XX/XXXX, Mr. Cooper sent a letter admitting to making a mistake and that on XX/XX/XXXX put me back into underwriting for a standard modification and placed it in referral status. On XX/XX/XXXX, I called Mr. Cooper and asked that this get escalated. I was told that it was escalated and someone would call. Nobody, not even my dedicated loan specialist has reached out to me. When I call Mr. Cooper, I get someone different each time ( they will not transfer me to my loan specialist ) and I get told something that is inconsistent with what I was told previously. XX/XX/XXXX, my account is still in underwriting ( since XX/XX/XXXX ) while the amount due continues to increase.
Consumer complaint received 2022-02-03
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: EQUIFAX, INC. (UT)

I AM A VICTIM OF ID THEFT. 
EQUIFAX INC EQUIFAX LLC EQUIFAX CONSUMER SERVICES ARE NOT FOLLOWING THE FCRA RULE OF LAW. 
EQUIFAX INC. IS NEGLIGENT.

EQUIFAX INC HAS CAUSED DAMAGES TO MY NAME.

EQUIFAX INFORMATION HAS CAUSED DAMAGE TO MY FAMILY FUTURE.
Consumer complaint received 2022-02-03
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)

Transunion is inaccurately reporting a bankruptcy on my report along with multiple accounts they are stating was included in a bankruptcy. 

The court house it states it was filed at sent me a letter stating they do not provide such information to credit bureaus. 

Transunion verified it. When I asked who they verified it through they stated XXXX XXXX. 

When I sent the letter from the court house to XXXX XXXX, they deleted the information immediately as it was all inaccurate. 

When I tried to re dispute the inaccurate information with Transunion they wont allow me because they claim they have already verified the info. If the courts stated they dont provide bankruptcy information to transunion. XXXX XXXX doesn't have a bankruptcy on their file to verify it and their accounts, then it is not being verified and transunion is lying about verifying the accounts and the bankruptcy along with any information pertaining to a bankruptcy needs deleted immediately.
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have excellent credit and have been a customer of Capital One for well over a decade. I am struggling a bit with debt so decided to apply for a 0 % interest rate credit card to help manage it over the near-term. I wanted to go with a company with which I already have an account. Capital One advertised a 0 % intro rate for 15 months and a 14.99-25.99 % rate variable thereafter. I applied on XX/XX/XXXX and was immediately approved. The interest rate on my account is XXXX, the highest possible rate, and does not reflect the introductory rate. I called the company, and the person told me to wait. The rate has not changed, and the representative was unhelpful. They offer no options to contact the company in writing. 

This is false advertising and they pinged my credit for a card that I will never use due to the extremely high interest rate. They should change the advertising, provide what they promise, and reward good credit with lower rates.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I sent out a dispute letter regarding inaccurate personal information reporting to my credit profile. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states There is a need to ensure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for consumers ' right to privacy.

Experian is a consumer reporting agency and I am the consumer. These agency have failed to do so. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

US Department of EDU is a financial institution by definition under that title. 

15 USC 1681 section 604 ( a ) section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.

US Department of EDU is the financial institution and the Consumer reporting agency Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Experian and US Department of EDU whether it be verbal, non-verbal, written, implied or otherwise is revoked.

15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer can exercise that nondisclosure option. US Department of EDU Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681 C ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. This account is an adverse item they are reporting again without permission which is against the law.

15 USC 1681 section 2 ( a ) ( 1 ) states 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. 15 USC 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services. 

Sincerely XXXX XXXX
Consumer complaint received 2022-02-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX / {$2500.00} XXXX XXXX / XXXX / XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX )/ XXXX / {$880.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( XXXX ) ( XXXX ).
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by Bank of America On XXXX.I applied for a credit card as you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant XXXX5 U.S Code 1691 ( K ). Bank of America has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me is both a proof and evidence that I have been discriminated against, you are also criminally liable. Bank of America should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 


BEST, XXXX, XXXX XXXX  Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2022-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R & B Corporation of Virginia (VA)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2022-02-03
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: EQUIFAX, INC. (TX)

XXXX, XXXX, and Equifax are in violation of the FCRA for failing to respond to complaints regarding inaccuracies on my credit report. All three agencies have failed to complete an investigation into the accounts in question within the 30 days allotted as per the Fair Credit Reporting Agency Section 611 ( a ) ( 1 ) ( A ). Failure to respond satisfactorily within the 30 days of receipt of the letter mailed ( which I will attach ) may result in a small claims action against all 3 credit bureaus. According to various articles, these companies have been in violation of not responding to consumer complaints. The latest article I have read dates back to this XXXX XX/XX/2022. Equifax most often promised to open investigations of their disputes and send their findings to consumers at later dates. However, it failed to share the outcomes of its investigations with the CFPB. XXXX made similar promises and also often failed to meet its obligations to share investigation outcomes with the CFPB. In addition, XXXX often failed to provide a response in instances where it believed that third parties submitted the complaints, even though the CFPB says that consumers can authorize third-party representatives to submit complaints on their behalf. XXXX often took no action in instances where it believed that a third party submitted the complaint, although it did provide substantive responses to other complaints. All three bureaus relied heavily on automated templates to respond to complaints instead of providing a meaningful, personalized response to the consumer. That's despite having up to 60 calendar days to reply. According to the CFPB complaint database, there are more than XXXX complaints between the 3 credit bureaus within the last year regarding problems with credit reporting. The csv files of these findings will also be attached.