davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (VA)

On XX/XX/27, I called Sallie Mae to update them on my XXXX  status. I took on a XXXX  XXXX  that never paid me, and tried to see if they would work with me to halt payments until I am working again. I've been having issues since XXXX when I initially started the new job. Had to deplete my XXXX to make my XXXX payment, plus pay off other bills. I have spoken with other creditors and lenders, and this is the only institution that is giving me issues. This is also the most expensive bill that I am paying. Sallie Mae is requiring a payment that can not be made, meanwhile I'm having to battle housing insecurity because Sallie Mae wants their money with their predatory 12.5 % interest rate.
Consumer complaint received 2024-03-25
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)

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 2023-12-13
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. (TX)

I was a victim of ID Theft. There are inquiries on my Experian credit report that are fraudulent and do not belong to me. I've already filed an FTC report. 
The inquiries are : XXXXXXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian
Consumer complaint received 2023-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I deposited a check on XX/XX/2023 of the amount {$15000.00} and Capital One closed my account without my knowledge and did not inform me about an investigation or call to ask me any questions. The fund passed the fraud check and they never released the money to me and are still holding it back from me. I have requested to get my funds multiple time and still have not received them. I will get my lawyer involved if my funds are not sent out. My account is now closed and they are not allowing access to already verified money.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (MI)

Today I got an inquiry that I didnt give consent credit card company my consumer rights by using credit card as defined in 15 USC 1602 ( L ) and it was unauthorized by consumer as defined in 15 USC 1602 ( p ).
Consumer complaint received 2022-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat c payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2023-11-09
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. (KY)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (MI)

On XX/XX/2024 I applied for a credit card in good faith with master card black card but was denied an extension of my own credit violating my consumer rights. According to 12 cfr 1002.7 ( a ) a creditor cant refuse to grant an account therefore I was discriminated against under the equal credit opportunity act as an applicant .This denial resulted in Several violations of my rights including but not limited to 15 usc 1602p Because company used my credit card SSN but no benefit was received by the card holder as defined in 15 usc 1602L. Im seeking compensation for unauthorized use without receiving a benefit because my credit was stolen but I was denied.
Consumer complaint received 2021-07-02
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. (LA)

I have attempted to dispute erroneous accounts with the credit bureaus but have received zero responses from Equifax, XXXX, and XXXX Under the Fair Credit Reporting Act, lack of response to serious disputes is a violation and the accounts listed in the disputes should be removed off of the credit reports. I have attached the most recent letters sent.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (OH)

I was XXXX XXXX XXXX XXXX XXXX  and I missed a payment on my Discover credit card. I made a payment as soon as I felt better and asked Discover to show that I was in good standing. They told me that I have to dispute it, in order to restore my credit score to good standing so I am just doing what they instructed me to do.
Consumer complaint received 2021-04-26
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$5200.00} -This is not my account.
Consumer complaint received 2023-12-20
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: Open Dealer Exchange, LLC (CA)

To Whom It May Concem, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : inquired on XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX for a auto loan I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 168lb ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
Consumer complaint received 2023-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am very upset that this account is showing up on my credit report as it does not belong to me and I am asking you to delete this account. I'm really disappointed they pushed me into this. I want it removed from my credit report as soon as possible. It's not mine!
Consumer complaint received 2023-12-20
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. (FL)

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. 

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to dispute the following inaccurate information that appears in my credit report. This information is inaccurate and should be corrected or deleted. The errors which prompted this credit report dispute include : XXXX XXXX BANK XXXX. This account is not accurate. Please delete it. XXXX BANK XXXX. This account is not accurate. Please delete it. XXXX XXXXXXXX XXXX XXXX. This account is not accurate. Please delete it. XXXX XXXX XXXX. 
XXXX. This account is not accurate. Please delete it. XXXX XXXX CO XXXX. This account is not accurate. Please delete it. XXXX XXXX BANK XXXX. This account is not accurate. Please delete it According to Section XXXX of the Fair Credit Reporting Act, I am requesting that you investigate those items indicated, and promptly delete any inaccurate from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from your investigation, I am requesting that an updated report be sent to me. Please investigate and update these items as soon as possible.
Consumer complaint received 2020-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I obtained my credit report online. There was U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer  credit file. 

The Bankruptcy Court has mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

My inquiry to the U. S. Bankruptcy Courts confirmed Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information  indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
Consumer complaint received 2023-12-20
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. (OH)

formally dispute a fraudulent loan account that has appeared on my credit report, as reported by your agency. This dispute is being made under the provisions of 15 USC 1681i, which governs the correction of inaccurate or fraudulent information on consumer credit reports.

I have recently become aware of an account listed on my credit report that I believe is the result of identity theft. T\
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I've observed several deviations from mandatory reporting standards, which cast doubt on the accuracy and completeness of the data in my report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information in my credit report. 

In accordance with 15 U.S.C 1681e, consumer reporting agencies must employ reasonable procedures to ensure the utmost accuracy of information in consumer reports. Furthermore, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to provide information about consumer accounts with integrity and accuracy. This includes conducting reasonable investigations into consumer disputes, as outlined in the Consumer Reporting Resource Guide ( CRRG ) and adhering to Metro 2 compliance standards. 

Deviation from these standards, as emphasized in the XXXX, jeopardizes the integrity of the data, potentially compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to contest these inaccuracies and non-compliant items. Ignoring my demand would indicate a disregard for my consumer rights. 

It is unjust for you to report unconfirmed and ethically questionable information that does not meet certified reporting standards. I challenge these claims and request evidence of proper reporting standards. Your violation of my rights is documented in this communication, citing concerns about incomplete and non-compliant reporting. 

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 2023-12-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Formal Complaint to the Consumer Financial Protection Bureau ( CFPB ) Regarding Excessive Late Payment Fee by Capital One Bank Date : XX/XX/2023 To : Consumer Financial Protection Bureau From : XXXX XXXX Complaint : Excessive Late Payment Fee on Capital One Bank Credit Card Brief Summary of Complaint : On XX/XX/2023, a single payment on my Capital One Bank credit card was inadvertently missed, resulting in a one-day late payment. Despite having a history of on-time payments and an active autopay schedule, Capital One charged me a {$40.00} late payment fee, representing 50 % of the missed payment amount ( {$80.00} ). This exorbitant fee is unconscionable and predatory, especially considering the short duration of the delinquency. 

Details of the Issue : I have consistently made timely payments on my Capital One Bank credit card, as evidenced by my autopay enrollment and past payment history. 
On XX/XX/2023, a single payment inadvertently failed to process, resulting in a one-day late payment for {$80.00}. 
Capital One Bank charged me a {$40.00} late payment fee, amounting to 50 % of the missed payment. 
I contacted Capital One Bank immediately upon discovering the missed payment, demonstrating my proactive approach to resolving the issue. 

Reasons for Complaint : The {$40.00} late payment fee for a single, one-day delinquency is excessive and unfair. No reasonable justification exists for imposing such a substantial penalty for such a minor and unintentional oversight. 
This fee bears no relation to the actual cost incurred by Capital One Bank due to the late payment. It appears to be solely a predatory practice designed to exploit consumers who experience temporary financial difficulties. 
The exorbitant nature of the fee creates a financial burden and discourages responsible financial behavior. Instead of encouraging timely payments, this practice incentivizes consumers to avoid Capital One Bank credit cards altogether. 

Requested Relief : I request the Consumer Financial Protection Bureau to investigate this matter and find Capital One Bank in violation of consumer protection laws. 
I urge the CFPB to order Capital One Bank to : Refund the {$40.00} late payment fee charged to my account. 
Review and revise its late payment fee policy to ensure fees are proportionate to the actual costs incurred and do not exploit consumers facing temporary financial challenges. 
I request the CFPB to take appropriate enforcement action against Capital One Bank to prevent such predatory practices from harming other consumers. 
Supporting Documentation : A copy of my credit card statement reflecting the late payment fee. 
My autopay enrollment confirmation. 
Any other relevant documents or communication with Capital One Bank. 
Thank you for your time and attention to this matter. I look forward to your prompt and thorough investigation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

The Complaint relates to Complaint Number XXXX. 

MOHELA has again issued me past-due notices in error. I paid my monthly bill of {$840.00} on the due date of XX/XX/2024. My bank information shows that my payment cleared on XX/XX/XXXX. On MOHELAs website, it shows that MOHELA is still processing this payment. Yet MOHELA sent me two past-due notices on my account and shows that I owe {$1400.00} by XX/XX/2024. 

MOHELA issued me past-due notices in error in XXXX and earlier in XXXX. While it corrected past-due status on its website, MOHELA has never sent me corrected invoices. I am very concerned that MOHELAs gross negligence and incompetence will negatively impact my credit.
Consumer complaint received 2023-12-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (MD)

From approximately XXXX no one at Truist Bank should have accessed my bank account/information as I did not conduct ANY bank business during this period. On XX/XX/XXXX my XXXX  and I had a civil dispute and between XX/XX/XXXX and XX/XX/XXXX, he went into the Truist Bank and spoke in person with an employee. That employee provided him with my private savings account balance, information on the method on how I sign into online banking and other unknown information. The employee, who was friends with a retired law enforcement officer was provided the same information without my authorization or consent. I went to the bank and spoke with the manager on XX/XX/ and he said an investigation would be done. To date, the bank refuses to provide me with the results of this investigation or tell me who at the bank was in my accounts during that period of time.
Consumer complaint received 2024-01-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: SANTANDER HOLDINGS USA, INC. (MA)

At Santander bank I have been a customer for many years and have kept a six figure balance always ( a few times reaching seven figures ). I had sometimes been classified as a private client ( and now am again. ) My Santander accounts were hacked and all of my accounts including credit cards had to be closed and reopened. This was disruptive in that scheduled bills like electricity bounced. More critically i was unable to access online banking for eight months so I did not know the balances and interest rates paid and earned. I assumed that a Money Market Savings account would pay interest rates somehow linked to t bill or federal funds rates. Periodically I would ask bank tellers what current rates on money market accounts werestupidly assuming that those rates applied to me. In fact Santander was paying 0.15 % which I discovered once I was able to again access online banking. Since then I have earned more market like rates but find that I must ask again every few months or yields drop from the promotional rate to a few basis points.
Consumer complaint received 2023-12-20
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. (MD)

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. 

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.