davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am writing to formally lodge a complaint regarding an alarming and unjust situation involving my account with Capital One Bank. My name is XXXX XXXX, and I have been a customer with Capital One Bank. 

Due to the fact that I have to purchase a house, I made financial arrangements, including borrowing money from friends, to secure the necessary funds to close on the house. Subsequently, I deposited a sum of {$220000.00} into my Capital One Bank account, aiming to purchase the property. 

To my immense dismay, and without any justifiable explanation, my account was abruptly closed by Capital One Bank. What is even more troubling is the fact that my funds, totaling {$220000.00}, have been withheld by the bank. This action was taken without providing me with any concrete reasons or a transparent rationale. 

I have made numerous attempts to resolve this issue by contacting the customer service representatives through various channels. However, despite my persistent efforts, I have been met with vague responses, including claims that my account is " under investigation. '' It has been XXXX months since Capital One Bank XXXX XXXX of my funds, and there has been no sign of progress or resolution. This situation has caused me significant financial distress and emotional turmoil. Please help me. 

I hired a lawyer to help on this situation, please direct all communication to XXXX XXXX XXXX XXXX XXXX, XXXX, email address : XXXX and her phone number is XXXX.
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. (IL)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates. Also my due date for this account is always on the XXXX of each month. The system always marks it late on the XXXX ( not the actual due date ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AR)

As of XX/XX/year> I reached out to XXXX XXXXXXXX XXXX XXXX about them reporting incorrect information. 
The date reported in correct was for the month of XXXX. 
All of my payments have been on time. All reports must be 100 % accurate this needs to be resolved now. It has dropped my credit score more than XXXX points because of incorrect information! 
Ive always been on time and ahead. Please resolve this issue immediately.
Consumer complaint received 2023-08-02
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 — Investigation took more than 30 days
Company: Mercedes Benz Financial Services (CA)

I have VOLUNTARY surrendered my vehicle back to Mercedes Benz Financial Services in XXXX of XXXX. 
However, Mercedes Benz Financial just changed history of my account and notified credit bureaus XXXX, XXXX and XXXX that in XXXX (! ) from XXXX through XXXX of XXXX account was in repossession (! ). This does not make any sense nor this is right as this vehicle was VOLUNTARY SURRENDERED and brought back to XXXX XXXX XXXX in XXXX XXXX, Ca at the end of XXXX in XXXX!!!!
Consumer complaint received 2024-01-08
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

I was gifted XXXX XXXX XXXX gift card by my employer on XX/XX/2023. I can see the card was purchased the day prior on XX/XX/2023 of {$500.00} each. On XX/XX/XXXX I was able to use one of the cards just once and have not been able to since I have tried both online and in store and no luck. There is a balance of {$350.00} on one card and {$500.00} on the other that I am unable to use I have tried XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX and all declined. I called customer service and they advised me that maybe there is not enough funds but I stated there is more than enough ( {$850.00} ) and they said they can not help me. The representative then came back and said it was due to their security measures on the card... I then asked him why wouldn't the card work online ( where most websites ask for the security code and expiration date ) and he responded use the card somewhere else. These XXXX XXXX prepaid gift cards clearly state they can be used anywhere XXXX XXXX is accepted but this is false and they are defrauding consumers and putting out FALSE advertising. All of the retailers I attempted to use these cards through all accept XXXX XXXX but the cards didn't work and customer service couldn't not assist or give an answer as to why the cards are not working ... after being put on hold on and off for an hour, he then came back and said he would give a check refund for both cards and took my name, email and address down. He stated I would get an email in 2-3 business days to complete the steps but I have not received anything. Now when I try to call to check the balance on the cards, it states there is an issue with the cards ... This is {$1000.00} they are holding... I filed a complaint through the state and XXXX XXXX.
Consumer complaint received 2024-04-23
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. (MA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

1. Why do they send me a volunteer payment coupon. 

2. Am I Obligated to pay the mortgage if it is a voluntary payment. 

3. Why do they report to the IRS that the P/B amount owed is XXXX 4.And the amount showing on the mortgage statement as XXXX 5.Please Explain the months that I am delinquent 6.The difference between the amount reported to the IRS and the amount on the monthly statement is XXXX?
Consumer complaint received 2023-10-26
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: FC HoldCo LLC (IL)

I am writing to formally report and document a case of identity theft involving fraudulent inquiries on my credit report. I have recently discovered unauthorized credit inquiries on my credit report, and I believe that I have fallen victim to identity theft.
Consumer complaint received 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (FL)

I just received a letter from TJ Maxx stating they were increasing my interest rate to XXXX percent. It was already high for no reason and they just increased it. I don't abuse my credit and I have a good credit score ( XXXX ). There is no reason for this increase. I just need to know if this is legal.
Consumer complaint received 2024-04-22
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. (TX)

I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the XXXX XXXX ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.
Consumer complaint received 2023-12-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I demand the XXXX, XXXX XXXX and XXXX XXXX XXXX be immediately excluded from my consumer report, unless there is proof of signature that I did indeed do business with this company. If there is no such proof, which there is none, then this is consider IDENTITY THEFT and needs to immediately removed no later than 4 days according to 15 USC 1681c-2 Block of Information Resulting From Identity Theft. I will be suing for {$1000.00} per violation per 15 USC 1681n-Civil Liability for Willful Noncompliance . I also demand any alleged transactions/ experiences be excluded on the grounds of 15 USC 1681 a Definitions ; Rules of Construction ( 2 ) Exclusions- Consumer Report- DOES NOT INCLUDE- ( A ) ( i ) Reports containing information solely as to transactions or experiences between the CONSUMER AND THE PERSON MAKING THE REPORT, also 15 USC 1666b Timing of Payments ( 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 also 15 USC 1682b- Permissible Purpose of Consumer Report 15 USC 1681eb Maximum Accuracy Shall be reported! Even if this account was mine A charged off status and late payments are transactions and experiences which by law should NOT be reporting to the consumer report anyways, I was also part of the XXXX Data Breach which I am taking action, my personal information is compromised 15 USC 6802 No Financial Institute can Disclose your Nonpublic Informtation because my information has been compromised, I demand you take immediate action, I have attached proof of address and DL ( dl address will be changed ) so you TransUnion can stop your stall tactics!
Consumer complaint received 2023-06-11
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. (CT)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Have violated my rights. 

15 U.S.C 1681 section 602 A. State 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.

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 and other adverse item of information, other than records of convictins of crimes which antedates the report for more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating ot 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 2023-04-04
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: EQUIFAX, INC. (SC)

To whom it may concern, This has been an on going battle which was resolved when I originally filed a complaint against XXXX XXXX XXXX for an XXXX account that they alleged I owed them {$1800.00}. I filed a complaint thru your agency and these are the case number provided and the end result was all 3 credit bureaus deleted the derogatory remark on my credit report. The file number is XXXX, XXXX, and XXXX. I was satisfied with the outcome however I get another credit alert that my credit report was flagged by another debt collection agency for the same exact XXXX account. The name of that debt collection agency is called XXXX XXXX XXXX. How is it possible that one minute it was resolved and another minute another debt collection agency flagging my credit file for the same exact mobile carrier account? I would like your agency to review the file complaint listed above and please notify this new debt collection of this matter and to delete immediately from my credit file. Thank you.
Consumer complaint received 2024-04-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Aqua Finance, Inc. (NC)

Subject : Complaint against Aqua Finance for XXXX XXXX, Harassment, and XXXX XXXX Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Aqua Finance regarding their discriminatory practices, harassment, and predatory lending tactics. As a XXXX XXXX of XXXX, I have been subjected to false promises and detrimental consequences as a result of their deceptive actions. 

Firstly, I would like to address the discriminatory practices carried out by Aqua Finance 's sales representative. In an attempt to persuade me to purchase a water softener system, the sales representative falsely claimed that our water was polluted and that it was the cause of my teenage daughters ' severe XXXX. This tactic not only exploited my concerns for my daughters ' well-being but also targeted me as a vulnerable consumer. Such discriminatory practices are unacceptable and should be thoroughly investigated. 

Furthermore, the sales representative also made unsubstantiated claims about the benefits of the water softener system. He falsely assured me that it would aid in weight loss and increase the value of my home. Unfortunately, none of these promises turned out to be true. Instead, I experienced a significant increase in my bills and witnessed damage to my home caused by the water system. Aqua Finance 's deceptive tactics and false advertising have resulted in financial hardship and property damage for me and my family.

Despite my attempts to address these issues with Aqua Finance, they have refused to acknowledge or rectify the problems caused by their product. Their lack of accountability and failure to provide a satisfactory resolution further exemplify their predatory lending practices. It is evident that Aqua Finance prioritizes their own profit over the well-being of their customers.

I urge the CFPB to thoroughly investigate Aqua Finance 's practices and take appropriate action to hold them accountable for their discriminatory practices, harassment, and predatory lending tactics. I hope that my complaint will contribute to the protection of other vulnerable consumers and prevent further harm caused by Aqua Finance. 

Thank you for your attention to this matter. I look forward to a prompt and thorough investigation into my complaint. 

Sincerely, XXXX XXXX XXXX Regents XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-22
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (WA)

I had invested XXXXXXXX XXXX in my special savings account for 4,75 % return in about last XXXX of XXXX in Wells Fargo Bank XXXX 
The Fargo Bank never paid me the promised return of 4,75 % ( of the total XXXX $ ). Despite calling the bank month after month and going to the Fargo bank in person numerous times..Always they promised to fix it, But each time I went there I was misled and lie about my return. 
Fargo Bank refused it to pay me my return without any concrete information or reason.

Attached is my Saving account with Fargo Bank. 
Please assist me to get all my return from my investment, from XXXX of XXXX to XX/XX/XXXX XXXX Thank you XXXX XXXX XXXX : XXXX XXXX XXXX
Consumer complaint received 2024-01-07
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)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 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 a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am a victim of identity theft. I have been made aware of the ongoing fraudulent actions being committed against my estate. These fraudulent actions are in multiple violations of 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION, and in turn have caused me a great deal of stress along with an exponential amount of loss. Therefore, I am requesting that the reporting of the information be blocked and deleted along with payment of the civil liabilities outlined in 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION.

n accordance with 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  account number : XXXX {$670.00} XXXX XXXX account XXXX {$430.00} XXXX XXXX XXXX account number : XXXX {$400.00} dept of educationXXXX account number : XXXX {$1700.00} XXXXXXXX XXXX account number : XXXX {$1700.00} XXXX XXXX XXXX  account number : XXXX {$760.00} account number : XXXX {$680.00} us dept of XXXX account number : XXXX {$1700.00} hard inquiries as followed XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I havright 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.

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of alleged debt, nor therefore any such debt, in fact exist
Consumer complaint received 2023-12-31
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX. 

Last reported XX/XX/ Open Balance : {$150.00} Account status : Open Type : Unknown Responsibility : Individual Original creditor : XXXX XXXX XXXX : XX/XX/ ( XXXX mos ) Remarks : Individual Account information disputed by consumer, meets FCRA requirements
Consumer complaint received 2024-04-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX 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 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-22
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. (AL)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX APT XXXX XXXX, GA XXXX XXXX XXXX  XXXX Balance Owed : {$740.00} XXXX  XXXX Balance Owed : {$3500.00} XXXX XXXX  XXXX Balance Owed : {$310.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$39000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$580.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXXXXXX Balance Owed : {$430.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX FACTUAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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