davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (ID)

Upon receiving my Capital One XX/XX/2023 statement it showed a New Balance of {$6100.00}, which did include interest for the billing period XXXX2023. Per the statement a payment was due XX/XX/2023 for a minimum of {$190.00} up to the new balance of {$6100.00}. On XX/XX/2023 Capital One accepted, through their website, my monthly payment wired from my regular payment account. I chose to pay the CURRENT account balance of {$6500.00} IN FULL. This reflected the FULL balance per the XX/XX/2023 statement, PLUS {$430.00} in new charges that had occurred since as part of the XX/XX/2023 statement period. Additionally, I received a {$50.00} statement credit on XX/XX/2023 totaling a {$6600.00} in credits to the account during the billing cycle. The payment dates, previous balance, payment amounts, and statement credits all are reflected accurately on the XX/XX/2023 statement showing a lesser amount due than transactions. However, a interest charge of {$110.00} was assessed on the XX/XX/2023 statement. I attempted to dispute the charge online, the Capital One website will only allow you to dispute others ' charges online. I called customer service, waited on hold for some time, and after inquiry as to why I received the interest charge they explained to me how credit is accrued and argued that I had to pay my account off in order to avoid an interest charge and upon review the charge was correct. When I suggested that they were incorrect, and explained that I overpaid the account they still insisted the interest would be due. They were unwilling to update the account and I am now required to pay additional undue interest in order to protect my credit.
Consumer complaint received 2024-04-21
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: Experian Information Solutions Inc. (TX)

After filing a previous CFPB complaint against Experian, they refused to provide evidence of their actions. I have now contacted them to delete my account and remove all personal details They have refused to delete my account and are unreachable upon many attempts.
Consumer complaint received 2024-08-23
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. (MO)

This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the to delete the negative payment status on this account. 15 USC 1681s-2 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. XXXX XXXX is deleted off my Equifax but still reporting twice with a different company on transunion and experian. Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record. Account XXXX XXXX XXXX ( XX/XX/XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Consumer complaint received 2024-05-28
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: EQUIFAX, INC. (LA)

I R E C E N T L Y L O O K E D A T M Y C O N S U M E R R E P O R T A N D F O U N D S O M E A C C O U N T S T O B E I N A C C U R A T E. THIS ACCOUNT HAS BEEN OPEN FOR TO LONG SINCE XX/XX/year>2022 THE AMOUNT OF {$5900.00}. IM TRYING TO RESOLVE THE ISSUE
Consumer complaint received 2024-04-21
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. (NY)

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. I assume XXXX  days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted.. The information I am disputing is as follows : XXXX XXXX XXXXE XXXX and XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-04-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC. (GA)

NOTICE OF ARBITRATION There are some errors on my credit report after I've studied it thoroughly ; I've asked for those errors to be looked into ( CFPB XXXX ). Inconsistency can be found in the payment history for XXXX, XXXX, and XXXX, yet you finished the investigation by saying the account was validated. I've now suffered money loss, mental anguish, and shame as a result of this. 

In addition to that, I also reviewed the contract, and the financial change does not reflect as the sum of all charges, the insurance premium was not included in the finance charge, thus in violation of 15 USC 1605 ( c ). Since I am unable to pay the arbitration fee, I have decided to initiate arbitration with the XXXX and, in accordance with the XXXX arbitration agreement, I am asking Exeter Finance LLC to advance the arbitration costs on my behalf. If it is feasible, I would prefer to resolve this issue without going through arbitration, but only if the account is recorded as fully paid and I receive restitution of {$5000.00} to cover the actual harm that the inaccurate and incomplete reporting caused me over the course of a few months. I want to give you 14 days to fix this problem. 

Upon receipt of this initial communication, I will keep note of all correspondence, or lack thereof, made by mail, telecommunication, and otherwise method of communication. This communication requires a response within the allotted threshold.
Consumer complaint received 2024-07-30
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 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 XXXX  days before the payment due date. 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 XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2023-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I got scamed twice the first cost me {$720.00} although the metchant said that they will return my money then after that cannit be contacted no more so i file a dispute bank is not helping me at all they said case is close because i authorized it, of course i did but then no car transmission was not delivered, the second one also a transmission order for the same car the form of payment is XXXX and wire transfer i tried disputing also but then they close the case again like the first one, their reason is the money already been delivered but they should investigate where the money ends to the receiving banks, it seems like they are helping scammers to collect money it doesnt help me at all. Please see attach supporting receipts. Thank you!
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

Experian, XXXX, XXXX are reporting an invalid address for me. I have never stayed at XXXX XXXX XXXX, XXXX mi, XXXX. I have no accounts tied to this address. My address is XXXX XXXX XXXX, XXXX mi XXXX, I have been at this address for XXXX  years, I have stayed in XXXX my whole life.
Consumer complaint received 2023-06-15
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)

Have file numerous disputes that they never answer or completely ignore. i have ask for these to be remove because they are not reporting correctly. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX They verify even though they are not correct at all? 
then i do not get responses i ask to remove because of no response at all by law they are to remove them right away at this point pretty simple by the law no response at all over 60 days????
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit score is important to me that's why I am regularly checking my credit report, now there's been a recurring issue in it that I have been trying to fix yet I have been consistently ignored, there are erroneous information being reported on my report that is negatively affecting my life and my credit score, so bad that my new credit applications are not getting approved and I need it so much right now.
Consumer complaint received 2023-11-15
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

Filed FTC complaint and notified this company that I noticed an unauthorized inquiry on my credit report and requested this company to investigate and block this inquiry because I did not consent to my credit being checked by this company to which this company has failed to do. Its been more then 4 days to which is the timeframe under the FCRA.
Consumer complaint received 2018-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MO)

Back inXX/XX/XXXXI did a dispute with all 3 credit bureaus for XXXX for {$3300.00} and it was deleted from all 3 credit reports on XX/XX/XXXX but not all 3 credit bureaus have added the above creditor back on my credit report inXX/XX/XXXX
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX and Equifax is not reporting the correct balance. The other consumer reporting agencies are and XXXX is preventing my accurate score from reporting if they are not reporting the correct balance. I am seeing the same pattern with other accounts thats reporting to XXXX.
Consumer complaint received 2023-04-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had a bank account for many years, I had both a checking account and savings account and had a secured credit card XXXX dollars, I recently had a incident where I became ill and nearly died, so I had to stop working for awhile, I was still receiving my social security income, XXXX  monthly, I had applied for an online loan, I was scamed by someone pretending to be an online payday loan company, they convinced me to provide then with my user id and password, they deposited the payday loan check, after I received the deposit, the next day, I informed my son about the situation, he advised me to alert my bank, that my baby account was compromised, and I informed bank of America customer service, my account was compromised, and it was possible that a fraudulent check was posted to my account and I would make sure that the XXXX dollar funds would be paid back back to which it was, I had my bank account for many years and this bank has since closed my account and is reporting negative information on XXXX XXXX, making it impossible for me to open another checking account with any bank in the United States, they have failed to provide me protection against a scammer, once I realized my account was compromised I notified my bank immediately, and paid all money owed including any fees, yet this tyrant bank has since refused to reopen my account, they claimed that they closed my accounts for my protection, yet they are reporting negative information so its impossible to open another checking account with any bank.
Consumer complaint received 2024-04-21
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. (NY)

I am reaching out to inform you that I have been a victim of identity theft. Please consider this communication as a formal dispute regarding the following accounts. I have contacted all the companies directly and followed the necessary steps to address this issue. I filed an identity theft report with the FTC and have informed all the companies involved. Now, I am disputing the information that should not even be appearing on my file. Please assist me in resolving this matter promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these with all haste. Thank you for your attention. I apologize for being so angry. These oversights on your part are causing me a lot of trouble financially.
Consumer complaint received 2024-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

This complaint is in response to the closed entry for Bank of America. 

They went on and one about this and that and NEVER address the REAL REASON why we filed this complaint. 

Let 's get something straight. The and I will say this for the last time before I instruct my legal team to start litigation against Bank of America. 

No one is talking about the validity of the charge. It's for the very reason why I had to file this complaint with the CPPB. Bank of America is not LISTENING.

These claims are based on NO SERVICES OR PRODUCTS was received. Stop avioding what we have told you since day one and address that issue. 

Furthermore, the documentation that XXXX sent BOA is flawed. Again, those documents DO NOT demonstrate our team receiving the documents or service we PAID FOR! 

We are sick and tired of trying to explain this issue to BOA. They are talking one thing and we are claiming something entire different. So we will file this complaint again until they address the XXXX  issue of the claim. And we demand our full {$6000.00} as we did start complaining about XXXX in XX/XX/XXXX. 

We have attached the flawed or no good documentation that XXXX presented. And BOA did not even give us an opportunity to response to this fraud. 

And XXXX is stating they are not responsible for vendors they present to the Public. If this was a XXXX company, that statement would not fly. 

And we REFUSE to give them more time because this issue can been going on since XX/XX/XXXX. My lord, that is over months. Every time they mention 90 days, they move the ball further. They told us XXXX in XXXX of XXXX and we are about to go in XX/XX/XXXX. 

This is down right ridiculous. 

Until they address the Product and Services not received, this complaints should not be closed.
Consumer complaint received 2024-04-21
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. (OK)

I asked that a thorough investigation be conducted on Experian XXXX XXXX and XXXX regarding my credit profile. It's against the law to report inaccurate and incomplete information on a credit report which makes them in violation of 15 USC 1692g. I've reached out on numerous occasions to all bureaus but I have yet to receive a response, I would like for each account to be properly investigated and validated with original signed documents. 


XXXXXXXX XXXX Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$4.00}, XXXX written off. {$3.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$3500.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$10.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$10000.00} Balance updated XX/XX/XXXX Recent payment {$5.00} as of XX/XX/XXXX Account info Account name XXXX XXXXXXXX XXXX. 
Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$29.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

XXXX XXXX  has been getting payments have bank statements to bank up what saying. On XX/XX/XXXX XXXX XXXX took out XXXX. This acount is not late applied bank took out XXXX from my bank account on XX/XX/2024 XXXX
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 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
Consumer complaint received 2023-06-01
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. (VA)

I never had a contract with XXXX XXXX They have been furnish inaccurately once before. And was removed. 
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. 

Delete this accounts immediately, unless you want to be held {$1000.00} per violation A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-04-21
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. (OH)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section two. It also states a consumer reporting agency can not furnish an account account without my written instructions under 15 USC s 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. Lastly, in accordance with US Code 1681c-2 a consumer reporting agency shall block reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged idenity theft, no later than 4 business days after the date of receipt. These accounts should not be furnished on my consumer report as they are a violation. Under US Code 1681b - permissible purpose of consumer report have been violated I did not give written consent to report. No consent is also violation and identity theft. As a consumer I demand the deletion of the listed accounts below immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove this account XXXX & XXXX XXXX immediately.