davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I requested a credit of a {$40.00} late fee. Capital One did grant me that. I have been a good customer. I pay on time. I was late maybe one other time. I was late this time because I am the main income earner in my household. My wife has gotten a job now but she got behind on some of her credit accounts. I was helping her out and just missed paying mine. {$40.00} is like {$400.00} to me especially in this terrible economy we have. {$40.00} is nothing to Capital One. In fact Capital one is not being inclusive of folks like me who are trying to make it day to day. They are penalizing me and discriminating against me. I made a payment after the due date. I have not missed a payment in my time having this account. It is a shame that Capital One in this day in age with the terrible economy and inflation would not be inclusive or understanding of someone who just missed one payment but then the next day or so made a payment. Penalizing me the way they did makes it harder to pay them and they make more money on the interest. It is not an equal scale. I am sure Capital One does the same to XXXX people and XXXX people. They fleece everyone, they shake down everyone. I wish they would just credit me the {$40.00}. That is an extremely high late fee. I can understand charging a late fee if someone doesn't pay, but I paid the next day so i think they should credit late fees back if someone makes a payment.
Consumer complaint received 2023-11-15
Product: Credit 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: WELLS FARGO & COMPANY (TX)

I have XXXX fraudulent charges on my credit card. 

XXXX - {$200.00} XXXX 's {$200.00} XXXX XXXX- {$350.00} I have disputed these transactions 3 times and each time they close the account and send a new card. Once that is done they are transferring the fraudulent charges to the new card and saying the dispute was done on the old card so they would have to do a whole new dispute which includes them cancelling the replacement card and sending out a 3rd replacement card. They are giving me a looped run around over the phone. Each time I call I am being transferred to 4-5 different agents and when asking why the disputes are not taking place properly that is their reasoning given. They are also allowing this to go on so long that I am also being charged interest fees with the fraudulent charges included. My cards limit was {$3500.00} and they have allowed that total to climb to {$4500.00} including allowing the fraudulent charges to go through after the XXXX limit was reached. They are now making it as difficult as possible to dispute the fraudulent charges.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I recently checked my credit reporting profile. There are unauthorized accounts that need to be removed as soon as possible. I have no given any consent for the following accounts and inquires to be reported to my credit report. They are in violation of my consumer rights. I am human there is no 3rd party involved. I have filed and reported with FTC, XXXX, and Texas Attorney General.
Consumer complaint received 2023-11-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XX/XX/XXXX, I spoke with Bank of America about my RV loan. I mentioned that I was out of work because of XXXX and was curious if they had a deferment program. I told them I would probably sell the RV, but the customer services rep told me about a deferment program where all the principal and interest is deferred for XXXX months. Since I had a similar program for my car, I took them up on their offer. During XXXX, I started noticing that all my payments were going to interest and none to principal. In XXXX only {$26.00} of {$4900.00} paid in XXXX was allocated towards the outstanding principal on my RV loan and a majority of these payments were overpayments. I contacted Bank of America and stated that this was incorrect as I was told interest would be deferred. I asked for a copy of the program I agreed to or the ability to listen to a recording of the call. They provided neither. I went to the OCC and they refused to investigate. I am asking that the CFPB require BofA to allocate more of my payments to interest and also pay a fine for profiteering.
Consumer complaint received 2021-10-16
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: GOLDMAN SACHS BANK USA (OK)

I made a purchase on XX/XX/2021 buying XXXX tickets to a top golf event held at the football stadium. The event was on XX/XX/XXXX and I arrived and there were no directions or instructions on where to enter. Finally after circling the stadium 3 times, we found out there was no ground level entrance and it was hidden in the parking garage. Therefore, we arrived 5 minutes late for the event and they would not activate our golfing booth. We were not allowed to participate after paying for the event due to the lack of organization by the company. We paid for an hour, arrived only 5 minutes late and were not allowed to participate. The company refused to help and so I disputed the charge. The dispute was settled in the merchants favor with the reasoning sufficient evidence was provided that I made the purchase which proves they didnt read what I wrote as I never denied making the purchase, I made the purchase BUT was not given the product/service I paid for. I called the card company, told them this information and that I made the purchase but that they didnt provide the product/service. Again, they settled it in the merchants favor so now I am filing a complaint with you.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX.
Consumer complaint received 2023-11-15
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (CA)

In accordance with the fair credit act this creditor has violated my rights. 
Under 15USC 1681 SEC 602 states I have the right to privacy. 15USC 1681 sec 604a sec 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 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.
Consumer complaint received 2023-11-15
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. (MD)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXP 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-07
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. (IL)

I started XX/XX/2023 I have called I have mailed letters to XXXX asking them to take the things off of my report that is fraudulent, which is the inquiries on my report they have yet to do that. Also in the last case they stated the US BANKRUPTCY COURT provided them information about my filings and that is False. I have sent transunion a copy of the bankruptcy court letter, and I will upload my letter to this claim. I have filed a police report i I also sent a copy to XXXX and I will upload it to this claim. XXXX have violated my rights as a consumer. And when I call to talk with someone they get really aggressive with me, mainly the supervisors. All I want is whats right! The Fair Credit Reporting Act ( 15 U.S.C. 1681 ) if i dont get the right resolution after this claim I would like the CFPB to help me file a lawsuit against XXXX and XXXX XXXX that has violated my rights!! I have followed every procedure transunion has asked me to do but they have not been following the laws.
Consumer complaint received 2023-11-15
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. (ME)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account number 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
Consumer complaint received 2023-11-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (MA)

I have filed a previous complaint, but Nelnet lied and then you closed the case. I applied for the XXXX plan on XXXX and transmitted my taxes electronically. I received no updates and I contacted them at the end of XXXX and they said I had never sent my taxes. I submitted them again on XX/XX/XXXX. I am still not on the XXXX plan as of today XX/XX/XXXX. Since XX/XX/XXXX Nelnet has : - Put me in a 3 month forbearance that I didn't ask for - Put me on the XXXX XXXX XXXX - Requested I pay them twice to get off the current plan and on to the XXXX plan. I made the requested {$5.00} payments on XX/XX/XXXX ( payment screenshot attached ) and then again today XX/XX/XXXX ( letters attached ), as I don't know what else to do. 
- Lied to StudentAid.gov and submitted a letter saying I send a " joint tax return '' but indicated I was separated. Both those statements were false. They sent the letter XXXX. A few hours later they said to disregard the letter it was incorrect ( letter and screenshot attached ) - Told me via phone on XXXX that everything was set with my account and that I should be on the XXXX plan by this week - then sent another letter saying I needed to make another {$5.00} payment to them. ( letter attached ) As of today I am still not on the XXXX plan. I have been on hold with them for over an XXXX hours now and still can't get ahold of anyone. The forbearance they put me on, during which I've been accruing interest, ends XX/XX/XXXX. I don't have time to waste at this point. I can't afford standard repayment and that is what I will be entered into, as they've already put it on both of my loans. I am desperate. I have previously reached out to CFPB and Nelnet told them on XX/XX/XXXX it would just take time, but I don't have time at this point.
Consumer complaint received 2023-03-05
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. (GA)

In accordance with the Fair Credit Report Act XXXX Account : # XXXX, From : 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 an account without my written instructions.
Consumer complaint received 2023-11-15
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-15
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Consider this as my follow-up filing of the complaint in line with my previous attempt. I needed the items that are erroneously reported in my file removed. This complaint serves as a notification to ensure the removal of these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00}
Consumer complaint received 2023-03-14
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. (MS)

Im accordance with the Fair Credit Reporting. The list or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX 15 U.S.C 1681 section 602 A States that I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written consent or instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States that 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 or to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

The Account I am disputing does not relate to any transactions that I have made or authorized. Please remove this account at the earliest possible time. I have doubts about its accuracy and the reported payment history on this account is a mystery to me, I dont remember if I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the account be removed to correct the information. 
XXXX XXXX XXXX XXXX XXXX  Balance : {$99.00}
Consumer complaint received 2023-03-14
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. (GA)

In accordance with the fair credit reporting act XXXX  Account # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # 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 an 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 purpose.
Consumer complaint received 2023-03-14
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX has violated my rights. 


In accordance with the Fair Credit Reporting Act XXXX Account # 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 Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-05-16
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: JPMORGAN CHASE & CO. (CA)

This is a complaint for being deceived and unfairly treated by not receiving a promotion that was promised and inaccurately and unfairly having a negative report on my credit report UDAAP and FCRA : 1 ) I obtained a XXXX Chase card ending in XXXX in XX/XX/2017 during a promotion in which people who sign up are given a XXXX companion pass. I had just moved to XXXX XXXX and was in the process of moving from one short term residence to another. Because I had not yet settled in a location I used my old XXXX address for applying for the card. After confirming with both Chase and XXXX that I would receive the companion pass if I signed up, I obtained the card expecting the pass. 

After a month I called to confirm I would be getting it and was assured I would be. After 3 months I called again and was told that I would not be receiving it because my address on file was not updated to my XXXX   address. 

I obtained and used this card under the impression that I would get the companion pass but never received it. 

I was also unfairly treated because other people who signed up have received this pass but I have not. I would like to receive the pass. 

2 ) After being told that I would not be receiving the pass, I paid my balance and cancelled my account. 2 months later I noticed that I was charged a late fee and called to investigate. I was told that I had received a charge after closing the account and that the account was opened. The person I spoke with assured me he would remove the late fee ( which he did ) and that this would not be reported to the credit bureaus. However after further discussion with another representative, I realized that this was not the case. 

-- I would like to ensure that any negative report made on my credit be corrected and to receive the companion pass that I was promised for signing up for the card. 

Thank you
Consumer complaint received 2024-05-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (CA)

I met a guy named XXXX XXXX ( XXXX name : XXXX XXXX ) from dating app XXXX, we developed a very deep relationship, and we started to plan to make money from crypto market for our future of life, and he guided me to set up crpto and wallet acount and started to transfer money to a third trade platform named XXXX I stransfered several times ( XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX ) totally XXXX, during these days, he transfered me money to my XXXX platform account as well two times ( That was fake I realliezed now ). Today, When I transfer the latest time from XXXX XXXX XXXXXXXX to Crypto.com, the agent warned me crypto scams! so I wento to the platform to withdraw the money was not successed, but been told by customer service I need pay 30 % service fee before I withdraw the fund, I reallized it was a scam!!!! 
Pls help!!!!!!!!! I am a single mom with XXXX kids.