davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I filed a complaint with Capitol One disputing charges for travel, I never was able to take because the company closed.. 
XXXX  account ending in XXXX Capital one  case # XXXX XXXX Case # : XXXX I am filing a new complaint because this company has awarded other individuals in same situation with this same complaint. 
The travel company in XXXX XXXX is currently under investigation bc they took consumers hard earned money and invested it in crypto and cheated all particpants out of their month. One individual stated Capital one refuned her in XXXX with her cases being 540 days old because the company shut down. Capital one has not been forthcoming in awarding to everyone in this situation their monies back. please see attached. 

Invidiual posted this on XXXX XXXX XXXXXXXX XXXX XXXX XXXX contributor XXXX XXXX XXXX XXXX XXXXXXXX XXXX RE : Capital One ( US ) My charges were well over the 540 days, I have complained to the CEO of Capital One still got turned down then I filed a complaint with the Consumer Financial Protection Bureau XX/XX/XXXX and today I had confirmation emails from Capital One stating that I have permanent refunds for all three of my transactions that are all over the 540 days. I called Capital One to confirm and was told that it is because the merchant went out of business. This was completely unexpected. I am still in shock, but wanted you all to know in the event that you could receive the same outcome. 
consumerfinance.gov the leiquidator report is attached which shows there is no money left to pay all the creditors any money back, we all may get XXXX, if that.
Consumer complaint received 2023-05-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2023-08-01
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)

I am attaching relevant information regarding the agency. This is NOT a duplicate report, as they gave a " canned '' answer to the last filing, saying they did not have specific information despite it being provided dozens of times. Trans Union continues to report a " XXXX XXXX '' account despite it clearly being fraudulent.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.
Consumer complaint received 2023-01-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Transactions were made that were unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX locations were credited back to my account. The XXXX charges were then permanently credit back, but XXXX XXXX XXXX was not. 

Submitted police report and documents showing the account were fraudulent with these merchants. 

Bank of America reviewed and refused to remove these charges. 

Charges were {$1200.00} in total.
Consumer complaint received 2024-04-24
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. (PA)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (OH)

I was online trying to get get a loan with XXXX XXXX XXXX and XXXX XXXX and they asked me for my bank log in and password and they put XXXX XXXX and XXXX XXXX dollars into my account and they told me that I had to pay it back. With XXXX XXXX XXXXXXXX they told me that I need to to XXXX and purchase money cards which I still have and put a amount on there to pay them back to get the loan same thing with XXXX XXXX. I had gotten an email from my bank and I called them this morning and they told me that a check was put into my account and the check bounce it was not a good check. I also gave them a picture of my ID and my social number.
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (TX)

in XXXX XXXX XXXX, we made a {$500.00} payment on our Old Navy credit card. During the processing time Old Navy got bought out by Barclay. Barclay claimed that we never made the payment. During the very long process of trying to get this straightened out, we kept making our payments so our credit didn't get messed up. Eventually we got a credit consolidation loan and it paid off all credit debits. Barclay would never agree to the previous {$500.00} payment and essentially we we double paid. We have tried repeatedly to resolve this with Barclay but they will not budge. Even with bank statements and multiple phone calls proving the payment was made, Barclay refused to acknowledge the transaction. Barclay owes us {$500.00} and a groveling phone call apoligizing for being such XXXX XXXX  about this situation. At this point it's not even a matter of the money, it's a matter of principal. I will take this all the way to a small claims court if they do not do the right thing.
Consumer complaint received 2024-04-24
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. (NY)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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/updated.

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. 

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!
Consumer complaint received 2023-06-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (IL)

On XX/XX/2023, I opened a savings account with U.S. Bank under the impression that I would be getting monthly fees. I never heard of a bank charging monthly fees for a saving account, and certainly not if they're a XXXX. When I called the customer service agent, she had the audacity to tell me that I have to bring my overdrawn balance of - {$10.00} back to {$0.00} in order for her to close my account. Not even her supervisor can override these charges. U.S. Bank is a thief. They've been taking my hard earned money every month since XXXX and I didn't even realize. And they have the nerve to require me to bring my balance back to {$0.00} on top of the {$10.00} fee they keep charging my account every month? Even when my savings account was {$50.00}, they gave me a fee reimbursement that first time on XX/XX/2023. They need to return all the money they stole and close my savings account or I'm filing a lawsuit. I'm reporting this to the FTC and the Financial Regulator in their state.
Consumer complaint received 2024-04-24
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. (NV)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still ITEMS that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these ITEMS ( A ). I hope these disputed ITEMS are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-09
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Confusing or missing disclosures — 
Company: Quick Bridge Funding, LLC (DE)

**Company Information : ** - Company Name : Quick Bridge Funding , LLC - Also Involved : XXXX XXXX XXXX XXXX XXXX 
- Address : XXXX XXXX, XXXX XXXX, XXXX, CA XXXX ( Quick Bridge Funding ) - Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX XXXX ) XXXX. I entered into a Business Loan Agreement with Quick Bridge Funding , LLC, and expected to be dealing solely with them. The loan agreement did not disclose that Quick Bridge Funding would act as a servicing partner for XXXX XXXX XXXX XXXX XXXX However, discrepancies became apparent when the loan funds were disbursed by Quick Bridge Funding , LLC, but all repayments were required to be made to XXXX XXXX XXXX XXXX XXXX 

2. This lack of transparency and disclosure regarding the servicing partnership raises serious concerns about potential misrepresentation and fraudulent practices. I have no direct acknowledgment or documents that clarify Quick Bridge Fundings role as a servicing partner for XXXX XXXX. 

3. The loan agreement is mischaracterized as a XXXX XXXX XXXX ( XXXX ) but displays characteristics of a loan, such as fixed repayment terms and a lack of genuine risk for the funder. This structure suggests it functions as a loan and may violate XXXX usury laws. 

4. The interest rates charged under the loan agreement and additional fees result in an excessively high effective interest rate. The total cost of the loan, including fees, translates to an annual interest rate of approximately 75.36 %, which far exceeds the allowable interest rate under California law ( California XXXX XXXX XXXX ). This high rate of interest suggests a pattern of predatory lending. 

5. The XXXX filing by Quick Bridge Funding , LLC extends beyond the agreed-upon security interest by encumbering an inordinate range of business assets. This overreach has significantly impaired my ability to obtain other financing, putting undue strain on my business operations. 

6. Additionally, the agreement includes a personal guarantor requirement that imposes substantial personal liability. This personal guaranty directly impacts my creditworthiness and has led to the denial of personal and business credit applications. 

7. Despite my attempts to negotiate a reasonable settlement, XXXX XXXX XXXX and XXXX XXXX have proposed payment plans that are financially untenable, and no adjustments were made in response to my legitimate financial constraints. 

8. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate these practices, specifically : - The non-disclosure of Quick Bridge Funding 's role as a servicing partner. 
- Potential misrepresentation and fraudulent practices. 
- Overreaching UCC filings and their impact on my financial situation. 
- Excessive and usurious interest rates and fees that violate XXXX XXXX laws.
Consumer complaint received 2024-09-12
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Alorica Inc. (MN)

Hello, I previously set up a XXXX XXXX account with XXXX XXXX XXXX XXXX to help pay off my debt. They assured me that as long as I remained current with my payments, they would continue making payments on my existing credit cards. I never missed a single payment. 

However, on XX/XX/XXXX, I received an email from XXXX XXXX XXXX notifying me that they were immediately canceling all future payments. Additionally, they informed me that my debt would be transferred to another lender with different terms, including a fixed term and a significantly higher interest rate than what was promised when I signed up. 

This abrupt and unexpected termination of services has caused considerable hardship for my family and me. For the first time in my life, I have missed a debt payment, despite always maintaining a perfect record.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

It is disheartening to come across an error indicating a late payment on my account, especially considering my consistent track record of meeting payment deadlines. This oversight is causing unnecessary stress, and I urge you to promptly correct it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: PNC Bank N.A. (NJ)

The I signed up on website XXXX to obtain credit score for a loan. After obtaining the information I called to cancel the subscription so next pay period I will not be charged. They were given my bank details. When I called to cancel the guy was still trying to push for me to keep the account and sell coupons. This made me aware that this may be a fraudulent company. I told him no to cancel and he did. I received a confirmation number. Now today XXXX the hoax company is trying to charge my card. I look up the address on the website and it shows a research lab not a credit review company.
Consumer complaint received 2024-04-24
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. (TX)

I never gave the cra auth, please remove accnts& inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NCD Financial, LLC (MO)

This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO. XXXX
Consumer complaint received 2024-04-24
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. (CA)

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts 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 w

hich 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/updated. 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. 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 m
e as a consumer!