davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (OK)

I used a Barclaycard 0 % interest convenience check to pay off a balance from my XXXX card. I followed all the rules regarding the offer, however Barclay 's charged {$230.00} balance transfer fee, and then charged {$370.00} in interest charges. The offer was 0 % interest until XX/XX/. Barclay 's refused to refund me the interest charged plus the 4 % balance transfer fee I was assessed.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (CA)

I have the following inquires from these companies on my credit report that are fraudulent - please remove them from my file : XXXX : ELAN FINANCI  - XX/XX/2022 XXXX - XX/XX/2022 US BANK - XX/XX/2022 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 2023-12-14
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: EQUIFAX, INC. (TX)

XXXX CFPB COMPLAINT # XXXX cFPB follow up complaint # XXXX recent dispute confirmation with Equifax Since XXXX you guys said you deleted this inquiry for XXXXXXXX XXXX XXXX that was made on or around XX/XX/2023 and you didn't! You lied to the CFPB which is a violation and I want to know the steps to get compensated. See attached for the old Identity theft reports as well as complaints where you said in writing it is removed.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc. (CA)

I have the following inquires from these companies on my credit report that are fraudulent - please remove them from my file : XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 FACTUAL DATA - XX/XX/2022 XXXX : XXXX - XX/XX/2022 FACTUAL DATA - XX/XX/2022
Consumer complaint received 2023-12-14
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 strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2018-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Select Financial Services, Inc. (IN)

II had talked to a representative about changing due date on my mortgage payment in XX/XX/2018 to the XX/XX/XXXX of the month because i get my XXXX check on the XX/XX/XXXX. HE said that it would not be a problem that he would change it.XXXX XXXX sent paper work for me to fill out. I marked due date because their representative said that he changed it to the XX/XX/XXXX of the month. He said nothing to me about any paper work! I filled out paper work, faxed it back. I got my monthly bill, still set up to take payment out on the XX/XX/XXXX! I called them and they said that i filled out the wrong date that i would have to send in an other copy to change the date so i did even though i did what their rep. told me to do! They still took out payment on the XX/XX/XXXX, causing an overdraft of XXXX dollars! Icalled them again and was told that i was supposed to write delete first set of paper work! No 0ne said anything about doing that! on XXXX XX/XX/XXXX they took out another payment, leaving me NO MONEY in my account! I called again and they said that I WOULD have to get copy of bank statement, fax to them before they could return my money! I had to borrow the money to fax them! now they keep giving me all kinds of excuses about putting the money back! They also increased my mortgage payment from XXXX to XXXX saying that my house insurance was to high! I followed the guide lines that they set! i truly think that this company is taking more of my money then is necessary! total overdrafts comes out to XXXX plus the mortgage payment of XXXX! I know that this does'nt seem like a lot but i only have my XXXX money and i have other bills to pay and i need money for gas to go to doctor appointments i can, t do anything until selene finance puts my money back! I hope that something can be done with them, because i know that i can't be the only one having problems with them!
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion will investigate tis account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

The 3 credit Agency reporting inaccurate on my credit report for my XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  account. XXXX, Equifax, XXXX reporting a Balance of {$940.00} my credit Limited in {$1000.00} This was paid sometime about of XX/XX/2023 Is {$200XXXX00} not {$940.00} like been reported. I call my bank and ask did the update My Balance to the 3 Credit Bureaus My bank say they Update my Account Immediately to all 3 Credit Bureaus. I have Document of my Ture Balance. The 3 Credit Is still reporting this Inaccurate which is Damage me my Credit. I beleive this is in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

My Bank has Asured it was reported to the 3 Credit Bureaus
Consumer complaint received 2023-12-11
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: EQUIFAX, INC. (IN)

I am a victim of identity theft and have made this clear to this company. 

I sent the first letter to them on XX/XX/2023, letting them know I am a victim of identity theft and that 5 accounts were opened in my name. I went on to ask them to validate the accounts and remove them if they couldn't. 

I sent the second letter to them on XX/XX/2023, letting them know that I know they have 30 days to verify the disputed accounts and that I hadn't heard from them yet. 

I am sending the third letter to them today, XX/XX/2023, letting them know that I still have not heard from them and that further action will be taken if they do not uphold the law in this matter. I told them that I fully intend to pursue litigation in accordance with the FCRA. 

I am sending the fourth letter on XX/XX/2023, notifying them of my final written offer of settlement before litigation as my attempt to resolve their continued violation of the FCRA regarding their refusal to delete unverified information from my consumer profile. I informed them that I intend to seek relief and monetary damages under FCRA section 616 and section 617, being that it has now been over 30 days with no verification results from them.

I have also filed an Identity Theft Report with the Federal Trade Commission regarding this matter. 

At this point, I can not confirm that they have done a single thing to protect me and my credit.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

On XXXX, XXXX submitted a total loss payment to XXXX XXXX for a XXXX XXXX XXXX that was XXXX XXXX XXXX when I purchased the vehicle and it had over XXXX miles at the time of purchase. Contracts and proof attached. 

Considering the lawsuits pending against XXXX XXXX, TOTAL LOSS from INSURANCE, and the predatory lending of 22.99 % for 5 years on a XXXX car at the time of purchase, I am requesting that credit acceptance REMOVE and DELETE the 180 DAY LATE Payments and other adverse payments from ALL THREE CREDIT REPORTS. 

Since the beginning of the loan in XX/XX/XXXX, I was never late on the car payments. Negative credit reporting started after the total loss of the car. 

The car was involved in an accident in XXXX of XXXX and instead of XXXX XXXX reporting this correctly, they have reported 180 day late payments for ALMOST TWO YEARS affecting my ability to obtain credit in an already increasing high economy. This is unfair to me as the car was deemed a total loss, and XXXX XXXX  CHARGED ME {$12000.00} in APR charges or interest, which is more than double the price of the vehicle. Contract attached. 

The reason a balance was remaining was due to the 22.99 % interest rate and the sticker price of {$8500.00} on the car, which seemed to be overstated because the car had over XXXX miles on it at the time of purchase and was already XXXX years old. Please assist because I am like many other consumers who are just trying to pay our bills on limited incomes from day-to-day and encountering large conglomerates who take advantage of marginalized communities. Thank you for your help as I really need your assistance.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2018-11-15
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. (GA)

XXXX XXXX XXXX {$970.00}, XXXX XXXX XXXX {$880.00}, XXXX XXXX XXXX {$2600.00} Debt can not be collected twice ; settled with original creditor ... unlawful and disgusting ... 
Original creditor has stated that they did not verify, and that they have it on record that my insurance carrier paid all XXXX accounts ... so why do you still report these? 


... grave errorsfalse claim and reportingI want this account removed immediately or litigation may follow. 
Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX  or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2018-11-15
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Simon's Agency, Inc. (NJ)

Dear CFPB : On XX/XX/2018, I received another letter from the Debt Collector Company Inc. Saying to my self on there letter that I have one Amount to be paid and also that I have Various other Accounts to be paid also. this debt collector keeps calling me 6 to 7 times a day. And if i can not be reached on my cell phone number they call me at home. I explain to them to please to DO NOT CALL ME NO MOE.I also wrote them a letter dated : XX/XX/2018 and i am asking them for the fallowing information : 1 ) Verification of my debt,2 ) copies of the original creditor, 3 ) any statement or bill from the original creditor, 4 ) Provide copies of Various other accounts, 5 ) copy of insurance card that was used at the time of service, 6 ) provide me with each date of service from the original creditor, 7 ) Do not contact me any more, 8 ) do not call me either any more, 8 ) provide me with there name and ext number, 9 ) do not harras me and or thretenig me on the telephone no more,10 ) They have 15 days as per State and Federal Laws to provide me with the requested documents, 11 ) This debt from the Radiology Department was paid already bye my insurance Company. Thank you. Very truly yours..
Consumer complaint received 2023-12-11
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)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Consumer complaint received 2018-11-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (TX)

I worked to pay the total balance, and have brought it down from over {$1500.00} to {$300.00} & when the interest was added, it was added based on {$1500.00} & not on the remaining {$300.00}. No company should be able to charge double the amount of interest on a deferred balance, there should be some sort of limits set for the balance and amount of interest charged. I am XXXX and on a fixed income, and can not afford to give them an additional {$260.00} plus additional interest.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX. XXXX XXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 A 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 any other adverse item of information, other than records of convictions of crimes which antedates the report by moreover 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 2023-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

On XX/XX/2023 I opened a 360 Checking with Capital One Bank. I opened it in person at the Capital One XXXX in XXXX, Louisiana. I funded the account right as I opened it. The woman who I opened the Account with was named XXXX. I passed all the background checks. I had my Valid Photo Drivers License, Passport, and original Social Security Card. XXXX provided me with Forms with my " New Account # and Routing Number '' to send to the 2 companies that would now be making Direct Deposits to my Account. I made clear to the Banker that I would be doing 2 DIRECT DEPOSITS PER MONTH.

They are as Follows : 1. Social Security Full Retirement Check.

2. A Pension Check Paid Monthly This Qualifies me for a Capital One Bonus of {$350.00}. 
Next : I opened a Capital One XXXX Account. I was then PRE-APPROVED for a SAVOR CREDIT CARD by CAPITAL ONE. I now have XXXX Accounts with CAPITAL ONE BANK. I was then shocked by Capital One. The US Post Office sent me 2 envelopes both had been sent by Capital One, I couldn't believe what I was looking at. Both addresses were written in an absolutely discombobulated way. Even the POST OFFICE placed a " Stamp on the Envelope commenting on it. This was my first negative experience with Capital One. They were given my complete correct Mailing address right in the Bank. They clearly can not address an envelope to a Banking Customer that is correct. Next, anytime you contact Capital One by telephone you are connected to a XXXX XXXX center. The 6 or 7 times I spoke to them you could not understand what the person was saying. There English was unintelligible. These calls are taped. They will clearly validate what I am stating as Fact. I have PERFECT CREDIT. This a FACT. I do not have 1 negative mark on any report. 5 Days Ago I could not believe what Capital One did. Without sending me a letter, without contacting me by telephone CAPITAL ONE placed a RESTRICTION ON MY CREDIT CARD. I had just sent them a {$100.00} Payment and with no forewarning I was at XXXX and my Savor Card was declined. 
I am a Certified Paralegal. Capital One has broken the Law. They have violated the rights of this Account Holder. To place a Restriction on a Customer with 3 Accounts Legally you must take the perfunctory steps of proper notification. Capital One violated the law. They just went ahead and performed this extreme step. If Capital One makes 1 move to ruin my Perfect Credit they will face MAJOR LITIGATION!! Here I trusted this Bank and moved my 2 Direct Deposit Checks to this Bank. I want to state as fact that The Savor Card gives an Account Holder a {$200.00} Bonus for spending {$500.00} in 3 months. I was {$250.00} shy of this goal when they restricted this account. How convenient of them. Now they committed FRAUD AGAINST ME. Capital One as a Bank bestows major problems on its Customers. If they place 1 negative mark on my Credit Report I will sue this Bank.
Consumer complaint received 2024-04-15
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. (FL)

In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX. XXXX XXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 A 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 any other adverse item of information, other than records of convictions of crimes which antedates the report by moreover 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 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-15
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. (NC)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. I am writing to dispute the following inquiries. It does not belong to me. I never established this inquiries.