davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (NY)

Issuer XXXXCOMENITY CAPITAL BANK  Account # XXXX Debt Collector XXXX XXXX  Account # XXXX A store credit card was opened in XXXXXXXX XXXX XXXX without my permission. I reached out several times to inquire about how my identity was verified, and no one could provide information via email. A charge of {$62.00} was billed on XX/XX/year> however, the credit card was never activated by me ( XXXX XXXX XXXX. I filed a complaint with XXXX 's online customer service and it was dismissed. XXXX collected a total of {$400.00} in late fees and interest before sending the account to the delinquent on XX/XX/year>. The information provided was given by XXXX XXXX whom XXXX sold the debt to. XXXX confirmed a ( XXXX ) month period was accumulated to collect late fees and interest.I was informed by debit collector XXXX XXXX XXXX XXXX ) payments were made on the card that I did not authorize. XX/XX/year>, for {$35.00} USD and XX/XX/XXXX, XXXX USD XXXX total of USD {$83.00} for a {$62.00} charge. I am reporting these charges as fraud as I did not make these purchases or payments.
Consumer complaint received 2024-08-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CarMax, Inc. (NY)

I am currently XXXX XXXX XXXX to the XXXX XXXX and I am trying to figure out how I can change my interest down to 6 % I heard this is possible before but I keep seeing this but no one ever showed me how.
Consumer complaint received 2024-05-16
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: EQUIFAX, INC. (IN)

**Dispute Report** Date : XX/XX/year> Subject : Removal of Fraudulent Accounts and Hard Inquiries from Credit Report To Whom It May Concern, I am writing to dispute the presence of several accounts and hard inquiries on my credit report, which are negatively impacting my credit score. Below is a list of accounts and inquiries that I believe were fraudulently opened without my consent or knowledge : **Accounts : ** XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX / XXXX These accounts do not belong to me, and I request their immediate removal from my credit report. Furthermore, I am requesting an update to my personal information on file. Please remove the following business name associated with my account : **Remove Business Name : ** XXXX XXXX XXXX Additionally, I request the correction of my name to " XXXX XXXX XXXX XXXX across all accounts and records. 

**Hard Inquiries Needing Instant Removal : ** 1. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And any others that may be present. 

These hard inquiries were made without my authorization, and I request their immediate removal from my credit report as per the law. 

I am enclosing copies of relevant documents supporting my claim, including identification and proof of address. 

Please investigate this matter promptly and provide written confirmation of the actions taken to resolve these disputes. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

To whom it may concern, Back in XXXX| made several large purchases on my credit card totaling {$4500.00}. And to my dismay I realized that this company was charging me excessive amounts of interest to almost XXXX XXXX month additionally on my card... in addition to thatthis time last year stuff kept happening to my account like statements get switched to email statements and payment alerts got turned off my accountwhich created late fees ( like now they are telling me I went online and switched my account AGAIN to online statements by email only ) I would have never done this knowinglythis caused missed payments and late feeswell last year they reversed some of the {$29.00} late payments... but not this year and the late fee almost doubled This company uses unfair tactics in their billing... you can schedule payments but you can not make additional payment without canceling the scheduled paymentif you pay after XXXX on your due date thats another late fee and they are in a different time zone an hour ahead... the list just goes on and on with the hidden tactics and fees... I paid over {$1000.00} towards the card last month so when I didnt receive my text message reminder or my paper statementI assumed that I was exempt from payment this monthbut when I looked at my locked account I noticed a whooping {$40.00} late fee on my accountThis Whooping {$40.00} late fee is almost double the typical late fee amounts ... when I realized that 2-3 days laterI immediately went online and made another {$620.00} paymentso I called capital one to explain what happened and requested the late fee waived and was immediately denied the waiverthis is pure gouging and I would like an investigation of my entire account for this past year because the interest charged seemed excessive for the balance on the card ... my statements and alerts keep getting turned offThis CapitalOne savor card has been unfairly gouging me for a year now and their practices need to be investigated. I believe they are targeting and taking advantage of the elderly too
Consumer complaint received 2024-05-16
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. (GA)

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. 

XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX, has violated my rights. 


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 2024-05-16
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. (TX)

On XX/XX/year> I disputed the information being reported by the XXXX XXXX XXXX company for the amount of {$19000.00}. Equifax responded and stated that the information was investigated and verified as accurate. According to the FCRA a consumer interview MUST be performed in order to validate the findings of the investigation. I then reached out to Equifax and asked them for the debt validation letter as well as the details from the consumer interview that had taken place and I have to receive a response. On XX/XX/year> I disputed the information again and they responded with the same information. I asked again for the validation and interview details and they failed to respond. My privacy has been grossly violated and the company is party to libel, slander, and defamation. The FCRA outlines XXXX reasons for which one can report this information, and they have neither. I have since sent via their company website as well as certified mail a Notice of Intent to XXXX to demand clearance and deletion of this inaccurate information.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

EQUIFAX BLOCKED MY CREDIT REPORT AND REQUESTED PERSONAL INFORMATION THAT I PROVIDED TO RESOLVE ISSUE. 
IT GIVE ME EQUIFAX ERROR CODE XXXX THAT NEEDS TO BE FIXED.
Consumer complaint received 2024-05-16
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: EQUIFAX, INC. (NY)

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following inquiries. Block and remove them.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NM)

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 2024-08-25
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I am writing to formally dispute the inaccurate information on my credit report concerning the repossession of my vehicle by Capital One. The details of the dispute are as follows : XXXX. What Happened : * Capital One repossessed my car, despite having reached a settlement agreement. According to the Consumer Credit Protection Laws, specifically 15 USC 6808, the Gramm-Leach-Bliley Act, 15 USC 1681a3, and 15 USC 1692f, the repossession appears to be unlawful. Additionally, my credit report reflects inaccurate information about the account. 
XXXX. Inaccurate Information : * Account Number : XXXX * Date Opened : Should be XX/XX/XXXX ( Reported as XX/XX/XXXX ) * Date Last Active : Should be XX/XX/XXXX ( Reported as XX/XX/XXXX ) * Date Last Payment : Should be XX/XX/XXXX ( Reported as XX/XX/XXXX ) * Last Reported : Should be XX/XX/XXXX ( Reported as XX/XX/XXXX ) High Credit : XXXX XXXX XXXX * XXXX. Actions Taken : * I have contacted Capital One to address these discrepancies and have attempted to resolve the matter directly. Despite this, the issue remains unresolved, and the incorrect information persists on my credit report. 
I would appreciate your prompt attention to this matter and look forward to a resolution that ensures my credit report accurately reflects the true status of my account. Please let me know if additional information is needed to facilitate the correction. 
Thank you for your assistance.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Recently, I did an investigation on my credit report which caused XX/XX/XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-05-16
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. (TX)

Among many other things, herein attached to this complaint is very specific and exacting exhibits and proof i.e. cancelled checks, credit card statements, copies of old statements with paid off dates. 

CONSUMER FINANCIAL PROTECTION BUREAU shall step in and correct these issues. I am contacting my congressman and senators with a copy of this letter and the previous ones. Please see this is corrected. 

Thank you, XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2024-05-16
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. (CA)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you XXXX opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within XXXX  DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Consumer complaint received 2023-03-13
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. (VT)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

On XX/XX/2022 XXXX agreed to a payment arrangement and they did not fulfilled their promise of not reporting late payments.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

I am very disappointed and has finally asked FTC to investigate this case. I am writing to inform you that these inaccuracies in my report is very damaging not only to me and my mental health, but also to my credit file. I am very much scared of what the future holds because of the fear that this situation is giving me. Please reinvestigate my case and immediately remove these accounts off my report.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Global Lending Services LLC (AL)

I was looking at my report and notice there were some thing that was not correct. I sent a letter to Global Lending Services on XX/XX/2024. But it has been more than 35 days, Global Lending Services still haven't responded to my letter. That a violation of 15 U.S. Code 1635 ( b ) Under 15 U.S. Code 1635 ( b ) when an obligor exercises his/her right to rescind under subsection ( a ), he/she is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall XXXX  the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall XXXX  its reasonable value. XXXX shall be made at the location of the property or at the residence of the obligor, at the option of the obligor. If the creditor does not take possession of the property within 20 days after XXXX  by the obligor, ownership of the property vests in the obligor without obligation on his part to pay for it. The procedures prescribed by this subsection shall apply except when otherwise ordered by a court.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Hello, my name is XXXX XXXX, I am writing to have the following information in my file removed. These items listed below need to be removed immediately. I am a victim of identity theft and did not make any of these unrecognizable charges. I ask that the items be deleted from my credit report as soon as possible. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I urgently request the items to be removed as soon as possible.
Consumer complaint received 2023-05-10
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: Experian Information Solutions Inc. (NY)

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. XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # 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 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 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.
Consumer complaint received 2024-08-16
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. (UT)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : US DEPT ED XXXX Balanced {$1000.00} US DEPT ED XXXX Balanced {$120.00}