davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALPHA MIDCO INC (AL)

Received letter from XXXX and associates stating they were debt collectors and I owe a debt to Sapientes Funding II LLC which I have never heard of. I would like to know if this is a scam. The letter stated the debt is from XXXX  in the amount of {$850.00}. Did not know if I should respond to the company or not.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

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 2024-01-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

I spoke with a Capital One supervisor, XXXX, on XX/XX/XXXX from XXXX on a recorded line about my issue which is : Ever since I had the specific credit card, I have ALWAYS paid on time and NEVER ( to the best of my knowledge ) incurred any late fees or interest. Additionally, my practice has been to ALWAYS pay my balance in full at a Capital One branch. In this particular instance, because I was out of state and in a location where, when I went to find a nearby branch, I got the response on the website, " Looks like there aren't any locations within XXXX miles. Try our digital options or search another location, '' I scheduled a payment in full in advance on the Capital One website for the due date, XX/XX/XXXX. When I got an email XXXX days later stating that my payment was late, I immediately phoned Capital One, explained the situation to XXXX who made the payment over the phone ( conf # XXXX ). Additionally, XXXX, because I did attempt to make the payment timely, reversed the late fee. I assumed that the matter was closed, but it wasn't. I just learned that I have a balance on the account of {$40.00} all of which is interest charged on the alleged late payment amount. There are no other charges on the card other than that interest charge. 

Especially under the circumstances, it is my contention that, if a late fee is to be reversed, the interest associated with the XXXX days for which that alleged late payment was late should also be reversed since they are a " package. '' It makes no rational sense to reverse a late fee with cause then charge interest on that alleged late balance, which was immediately paid when learning the scheduled payment failed to be credited. 

When I spoke with XXXX, he told me that either the late fee or the interest could be reversed but not both. I pointed out that such a situation makes no rational sense since, if a late fee is reversed, any interest associated with the alleged late payment should also be reversed. XXXX told me that he and that no one at Capital One could reverse the interest charge. In answer to my question, he stated that even the Capital One president couldn't reverse the interest charge. He also told me that there is no procedure to escalate my concern to anyone above him. I requested that the recording of my telephone conversation be reviewed by someone above his level and that that person get back to me. He said that would not happen and ultimately hung up. 

I am requesting that the CFPB review the situation including the telephone conversation that, as noted above, was said to be on a recorded line. I believe the entire situation to be in that category of " outrageous. '' In order to avoid further complications, I am going to pay the interest charge today, the cycle 's due date. I trust and hope to resolve it prior to my next billing cycle including a return of the alleged interest charge I am paying. 

Thank you. 

XXXX XXXX
Consumer complaint received 2023-03-25
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. (AZ)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXXXXXX - XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXas 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 2023-03-25
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: EQUIFAX, INC. (AR)

I am submitting another CFPB Complaint to dispute an error in my credit report. According to my credit report, I have a late payment on one of my accounts, which is incorrect. I have never missed a payment on any of my loans, and I believe this mistake should be rectified immediately. As you are aware, the Fair Credit Reporting Act ( FCRA ) requires that credit bureaus maintain accurate and up-to-date information in consumer credit reports. The inclusion of this erroneous late payment on my report is a violation of this act. 
DEPT OF EDXXXX XXXX XXXX XXXX XXXX, XXXX Balance {$3700.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$2100.00} DEPT OF ED/XXXX XXXX Opened XXXX XXXX, XXXX Balance {$4500.00} DEPT OF ED/XXXX XXXX Opened XXXX XXXX, XXXX Balance {$2100.00} DEPT OF ED/XXXX XXXX Opened XXXX XXXX, XXXX Balance {$4600.00} DEPT OF ED/XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$2100.00} DEPT OF ED/XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$9700.00} DEPT OF ED/XXXX XXXX Opened XXXX XXXX, XXXX Balance {$4100.00} DEPT OF ED/XXXX XXXX Opened XXXX XXXX XXXX, XXXX Balance {$2300.00}. I would like to request an immediate correction of this error and for my credit report to reflect my accurate payment history. I also request that you notify me in writing of the correction made to my credit report and provide me with a copy of my updated report.
Consumer complaint received 2024-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

A company named XXXX, XXXX, XXXX, & XXXX has served me and is suing me for a debt they bought from BOA that is XXXX XXXX XXXX and what I believe is identity theft as I do not recognize the debt. Someone made a mystery payment in XXXX of XXXX  so that they can reopen the case. This appears to be a gross violation of my FDCPA rights as I read them. This company appears to be the ambulance chasers of debt collection. I have found several complaints from the XXXX  and several lawsuits related to shady collection practices. If my only option is to go to court I will, but I would like to sue them for violation of the FDCPA.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (NY)

Per the FCRA as a federally protected consumer I am OPTING OUT of any and all authorizations I the consumer may have given you written, non written, verbal and non verbal PER 15 USC 6802, EFFECTIVE IMMEDIATELY INDEFINITELY. A charge off is considered Income and can not be reported on my report being a CERTIFICATE OF INDEBTNESS!
Consumer complaint received 2023-09-02
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TrueAccord Corp. (FL)

True Accord a charge off company that took ahold of XXXX XXXX XXXX XXXX says I owe {$290.00} for a purchase that I did not make The date was on XXXX I was just aware of this on XXXX. I reach out to company No phone call back or email Im asking for removal of this
Consumer complaint received 2024-01-20
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. (TX)

In Accordance with the Fair Credit Reporting Act this Creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604a section 2 it also states a Consumer Reporting Agency can not furnish an account without my written instructions. Under 15 USC 's 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 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

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 2024-04-06
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. (PA)

XXXX XXXX and Experian you have been reporting inaccurate information on my credit report the accounting question is Account # XXXX XXXXXXXX Account # XXXX Please investigate this account for accuracy of this account if you find this account to be inaccurate please delete this account.
Consumer complaint received 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Consumer complaint received 2024-01-20
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: EQUIFAX, INC. (MD)

I am writing to bring to your attention a matter of great concern regarding the accuracy of the information on my credit report. I have previously sent XXXX  validation letters on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 

In each of these letters, I have diligently outlined the discrepancies I have identified in my credit report and have requested thorough validation of the information in question. Unfortunately, despite my repeated efforts, I have not received any proof of validation from Equifax.

The inaccuracies I am referring to pertain to [ specify the inaccurate information, such as incorrect account details, late payments, or other discrepancies ]. These inaccuracies not only impact my credit score but also create an unjust representation of my financial history.

I understand that accurate reporting is crucial to maintaining the integrity of credit information, and I believe in the importance of fair and transparent credit reporting practices. Therefore, I kindly request Equifax to conduct a thorough validation of the information in question and provide me with the necessary documentation to support the accuracy of the reported data.

I urge you to treat this matter with the utmost urgency and address it promptly to rectify the inaccuracies on my credit report. As a consumer, I have the right to accurate and substantiated credit information, and I trust that Equifax will uphold its responsibility in ensuring the integrity of credit reporting.
Consumer complaint received 2024-01-23
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (NC)

I look at my credit report and saw that Santander is stating that I had a loan with them, but I have no proof. I called them and there was no information in their system but its showing on my credit report. There is another company that ran several inquiries and on my credit without my permission and I have the letter. There is a total of XXXX inquires on my credit report that was done without my permission or consistent. XXXX XXXX dealership. 
And a medical bill that's on my credit report that's does not belong to me.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (FL)

SOMEONE OPENED A NTB CitiBank Card in name making payments which impacted my credit, etc. I was terminated from multiple jobs, lost my car and evicted. I have not been able to hold employment due to this situation, stress level, etc. I filed an identity theft report and I only found out about this in XXXXXXXX XXXX XXXX I WANT THIS ACCOUNT REMOVED FROM ALL OF MY CREDIT REPORTS INCLUDING THE NEGATIVE INFORMATION ASAP OR {$34000.00} WILL BE PAID IN ADDITION TO THE REMOVAL FROM ALL INFORMATION FROM CREDIT REPORTS ABOUT THIS ACCOUNT! Additionally, I have been sleeping in shelters, motels with vouchers, the streets, or abandoned places and public bathrooms. Every program has informed that I need help beyond their qualifications and housing is waitlisted. I CAN NOT GET HOUSING ASSISTANCE, A JOB NOR A CAR WITH THIS ON MY CREDIT REPORTS AND I HAVE BEEN ABANDONED BY MULTIPLE PEOPLE IN MY LIFE LEAVING ME TO DO EVERYTHING ALONE!!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX!!
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (WI)

XX/XX/XXXX I last used my debit card before the incident at an ATM at XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  I noticed that XXXX was withdrawn from atms in XXXX XXXX XXXX  and XXXX XXXX This money was not withdrawn by me. I dont go to Illinois XXXX I still had my card. It was withdrawn 3 times that day. XXXX, XXXX, and XXXX. 
The problem is with a Comdata XXXX XXXX. 
I contacted the card company immediately to complain, they said they would send it to the fraud department and get back to me within XXXX business days. I also disputed the charges on the companys website. 
XX/XX/XXXX I got an email from the card company saying that they will not reimburse the fraudulent withdrawals because they have not found sufficient evidence to support your claim. There is no direct number to talk to their fraud department, they would not transfer me, they said I should email them. I find this horrible customer service and it makes it easy for them to deny my claim. 
XX/XX/XXXX I went into the XXXX XXXX that I last used my card. They told me that there was a skimmer put on their ATM machine by a scammer during that time and a lot of people got hit. I then called their XXXX XXXX. in XXXXXXXX XXXX and am waiting to hear back from them so maybe i can get something in writing. 
XX/XX/XXXX I file a report with the XXXX Police Department and disputed the charges again and gave the card company the case number and told them that XXXX XXXX had multiple problems recently with their ATM
Consumer complaint received 2023-05-15
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. (NJ)

15 USC 1681 c-2 Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- The CFPB said an employee forwarded the personal information of more than a quarter-million consumers to a personal email account, an incident that the bureau described as a major breach. 

XXXX has had a breach all the people set in place to keep to gate keep has failed to protect consumers leaving us exposed for identity theft.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

n accordance with the fair credit report act, the list of accounts below has violated my federally proted consumer rights to privacy and confidential under 15 usc 1681. 
XXXX XXXX XXXX XXXX account : XXXX 15 usc 1681 section A. States have rights to privacy.

15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish without my written instructions.

15 usc 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 usc 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 2024-01-31
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Without any prior notification, Bank of American abruptly reduced my business account credit line from XXXX to XXXX. Soon after, they yet again abruptly closed the account, and closed two credit cards that were not business credit cards. I asked them why and they forwarded me to the " XXXX XXXX '' department. I was told it was because the business account was closed first, and as regular practice they also close all other accounts. The representative refused to tell me why the business account had been closed.
Consumer complaint received 2024-01-31
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I had a USAA XXXX XXXX secured card with a credit limit of {$3800.00} credit limit. I owed XXXX on the card when I closed the account but USAA will not send me the remaining balance left over from the secured credit card and now states that I owe even more. They can not show me any charges that I have made since I closed the account.
Consumer complaint received 2024-04-06
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. (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 Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 


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 2024-01-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (NY)

They claim i owe XXXX XXXX XXXX this account has not been in existence since XXXX  this account was already settled 6 years ago with the creditor they have ruined my credit with this and know XXXX  has removed in less than three days after reporting and i have a dispute pending with XXXX as they have filed false claimand it is know on my credit report as well. I have disputed it as well they send me a document asking me to provide them with information regarding this matter i told them i dont have information for this matter you put this on my credit report you should have the information they asked me my name my social security number then told me they can take it off my credit report for a fee of XXXX trying to jeep put out of there moneyh
Consumer complaint received 2024-01-29
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (IN)

They have given rollover loans without ever telling me the XXXX XXXX I've sent in will be fredotwd to my account they call more then 7 times a week they call a hourvafter talking to someone on phone at loanmart they tried to repo my XXXX XXXX XXXX  XXXX over XXXX dollars being late