davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-10
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/2024 I had placed a call to Capital One regarding my Capital One XXXX XXXX  XXXX because my account was severely past due I had spoken with a representative about bringing my account current he asked would i like to make a payment over the phone I politely declined and stated that I would make a payment through the Capital One XXXX XXXX  on XX/XX/2024 i submitted the payment on the stated date I then check the Capital One XXXX XXXX to see if the payment cleared and if there was any available credit I was met with a message that the account was restricted and there was no available credit while speaking to the agent he assured me that upon making said payment that it would bring the account current and said nothing about losing my charging privileges or that the account would go into restricted status upon making said payment Upon seeing this message I placed a call to Capital One and was transferred to an unknown department where I was told that the account is in restricted status and that even if all payments are made the card would not be able to be used essentially forced closure by the issuer
Consumer complaint received 2024-01-10
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: BSI Financial Holdings, Inc. (GA)

As previously stated, I pay my loan bi weekly to BSI. my XXXX  account. Sends the money to Bsi by weekly instead of the loan company. Paying my loan. They add my payments to a separate account. That does not reflect of my account being paid on time. In turn They reported my account negatively to the credit bureau in XXXX in which I have spoke to several agents by the name of XXXX. XXXX and XXXX have all confirmed via telephone. That my account was paid on XX/XX/XXXX, which should not have been reflected as late because it was not XXXX  days late. In fact, my account was up-to-date. XXXX is refusing to remove the negative report of XXXX. Late payment from my credit report. When in fact my account was paid. I wish I had this removed from my credit report. As is hindering me from applying for home loans, car loans and business loans.
Consumer complaint received 2024-04-23
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. (CA)

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 : # xxxxxxxxxxxx XXXX XXXX  XXXX XXXX XXXX XXXX XXXX xxxxx XXXX, XXXX XXXX XXXX XXXX : # xxxxxxxxxxxx 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. 1681 c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing 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 XXXX 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 2024-01-11
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (TX)

I have a Bluebird Prepaid Debit Card by American Express. I purchased this prepaid card from XXXX over 10 years ago. Since about XXXX, I have had more issues accessing my account on the website and app. My password stopped working and I am unable to change the password because I did not receive the new card replacement which is required by the company. I have attempted to explain this issue to the card company hotline, but the card hotline representatives have only claimed that the new replacement card was delivered to my account address and I should have received it already. The card hotline representatives also claimed that I would not be able to close the account until the remaining balance is {$0.00}. The remaining balance is about {$4.00} and a few cents. I have requested more three times last year for the account to be closed. Up to now ( XX/XX/XXXX ), I never received the replacement cards and I never received the remaining check to help close the account. What concerns me is I keep receiving emails bank statements that I can't access.
Consumer complaint received 2024-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-09-25
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. (SC)

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. 

1, 2 accounts under the same company XXXX XXXX XXXX XXXX XXXX XXXX, 15 U.S.C 1681 section 602 A. States I have a 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 items 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 furnished any information relating to a consumer to any consumer reporting agency if th person knows or has cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-27
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: Experian Information Solutions Inc. (GA)

Its been over 30 days the creditor hasnt update the information on my report or provided proof/ documents in regards to a late payment with the consumer XXXX XXXX XXXX ACCOUNT OPEN XXXX XXXX late payments reported on XX/XX/XXXX and XX/XX/XXXX. This must be deleted soon as possible. Under the federal law they had 30days to complete there investigation and fail to do so. I would like this be delet off my XXXX, XXXX, equinox. Report. This is a violation of 15 USC1666B which is a violation of my rights
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2024-01-11
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Business and Consumer Solutions. (NV)

I ended my service after a five year commitment in XX/XX/XXXX. When I called XXXX to discontinue the service, I was put through a series of high pressured sales tactics for a good half hour as it was not made easy by several employees of XXXX in their billing department. I kept saying no to what they offered - a lower monthly subscription- but they would not oblige. Finally I was told I had to put in writing for my discontinuation of service to a given email. After all that, it was not good enough as I continued to receive monthly statements and phone calls from a phone calling center every day. I have now been passed to two debt collection services- XXXX XXXX XXXX XXXX XXXX - which did not respond to my letter dated XX/XX/XXXX and now FBCS. I dispute the amount I owe of {$380.00} as I continue to fight XXXX and what did to me.
Consumer complaint received 2024-01-08
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am writing to file a formal complaint against Capital One regarding significant inconsistencies and inaccuracies in the reporting of an account on my credit reports. Despite my repeated attempts to rectify these errors with both the credit bureaus and Capital One, the discrepancies persist. The account details, as reported by XXXX, XXXX, and XXXX, exhibit discrepancies and incomplete information that remain unresolved. The account in question is outlined below : - Both XXXX and XXXX report this account was " paid as agreed, '' whereas XXXX states it as Current account/was delinquent XXXX days past due date. 
- XXXX and XXXX indicate the worst delinquency as XXXX days past due, whereas XXXX states it as XXXX  days delinquent. 
- XXXX reports the date closed as XX/XX/2023, XXXX as XX/XX/2023, and XXXX does not provide a date closed. 
- There are inconsistencies in the payment history, with several months showing no data. 

Attached is a copy of the account details from my credit reports, illustrating these inconsistencies.
Consumer complaint received 2023-04-13
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. (FL)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX [ XXXX ]
Consumer complaint received 2023-04-18
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. (MD)

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 2024-01-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (MA)

This company is a third party debt buyer that purchased " Uncollectable Debt ''. The originator, SYNCHRONY BANK AMAZON, violated the TCPA and fair debt collection practices, and was sent a demand for validation of debt. The originator, SYNCHRONY BANK AMAZON, failed to validate the debt in a timely manner and pursuant to Federal laws and regulations, the became No Longer allowed to collect, report, or bring litigation as a result of their own failure 's. The third party collector or debt purchaser has obtained " uncollectable debt '' as a result of the originators failures, and does NOT become collectable just because it is is new hands. 

I Demand that any and all derogatory information be removed from my trade lines immediately as the collector has NO legal grounds to report or collect any debt from myself. I intend to bring litigation against both collector and originator if the matter is not resolved in accordance of Federal Laws and regulations regarding a creditors failure to validate a debt.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2024-01-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Mr. Cooper Group Inc. (TX)

As of XX/XX/XXXX the principal for my loan was {$4600.00} the escrow balance was {$4300.00}. 
Due to a family illness, I was unaware of Rushmores intention to place my house into foreclosure. When I became aware of the foreclosure status, I was asked to pay XXXX to relieve the foreclosure. My principal balance at the time was {$4600.00}. 
{$4600.00} principal bal XX/XX/ {$4300.00} escrow balance XX/XX/ {$7000.00} payoff foreclosure as stated by Rushmore agent XX/XX/ {$2400.00} ( {$7000.00} - {$4600.00} = {$2400.00} ) over payment of capital {$6700.00} ( {$4300.00} + {$2400.00} = {$6700.00} ) Amount to due to XXXX According to my records displayed above Rushmore owes me {$6700.00} any fees deducted from this amount has not been disclosed. I have been waiting over 90 days since the date the wire has been sent to pay off the loan. I have made several long and time-consuming phone calls to Rushmore and continue to hear incorrect information and unreasonable excuses as why this matter is not resolved.
Consumer complaint received 2023-06-24
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (AL)

I paid my car insurance using cashapp. I received a confirmation email stating that my payment was processed successfully and {$170.00} came out of my cashapp account. Now they are stating that I did not pay my insurance when I have a confirmation email.The company is saying that they cant do anything about it and I have to re-pay what Ive already paid.
Consumer complaint received 2023-12-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION (IN)

Last year in XXXX, I was car jacked by two XXXX men at a gas station in XXXX XXXX, Illinois. My car was stolen. I immediately called XXXX and they tracked the suspects down in a forced stop. My car was totaled. However, once my car was retrieved. XXXX XXXX , XXXX in XXXX XXXX was not very nice to me. They would not let me get my things out the car or even look at the damages. Earlier that year about a month before my car needed repairs. I purchased my car at Toyota in XXXX Indiana and the Manager lied against me and would not make the necessary repairs to my car before I was car jacked. Toyota collected my car with out my knowledge after the car jacking, repaired the damages to the vehicle from the force stop and sold it to another buyer. Toyota said I voluntarily surrendered my car back to them. I did not surrender my car. I never had a conversation with Toyota or the collection agency XXXX XXXX , XXXX. Unfortunately, I had a bad year in XXXX and XXXX. I could not contact anyone because I was XXXX and XXXX for 1yr. I do not owe this debt or remaining balance that is owed on this car. It's a XXXX Toyota XXXX. The suspects are currently in XXXX and awaiting XXXX.
Consumer complaint received 2023-09-25
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. (FL)

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 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I recently studied my credit report from your firm and was astounded to see multiple inaccuracies that are harming my reputation. This is deemed identity theft under Code 15 U.S. Code 1681b. I anticipate that this letter will result in a timely resolution of the targeted data that is reporting incorrectly. I am aware that it is your responsibility to keep correct records on all of my credit accounts. 

Please review the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These collections contain erroneous data, such as account status, date opened, balance, payment status, and last reported. A person shall not provide 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 erroneous, according to 15 U.S. Code 1681s-2. Why are the dates different if these are the same accounts given by the same source? Account should be deleted due to incorrect reporting. Why is a balance shown if accounts are reporting as charge offs and in collections? For false reporting, delete the account ( s ).

After you have finished my request, send me a copy of my credit report reflecting these changes.
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: EQUIFAX, INC. (CO)

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX XXXX  XXXX ACCOUNT ENDING XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data.

My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter.

Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files.

Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights.

Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Consumer complaint received 2019-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Lender Inc (MI)

Self lender failed to withdraw the XXXX payment from my account. So I was 30 days late. That was the ONLY time that I was late. I then closed the account and paid it. They have now listed that I was 30 days late TWICE on my reports, which is inaccurate. They have failed to correct said innacurate information now after I disputed it with the cras it has tanked my score by 60 points.
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: EQUIFAX, INC. (CA)

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. 

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.