davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-06
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account XXXX XXXX and XXXX XXXX XXXX XXXX XXXX have 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 that a consumer agency can not furnish an account with out my written instructions.
Consumer complaint received 2020-07-30
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. (TN)

I LIVE IN XXXX, TN  BUT SEEING ACCOUNTS OPENED IN THE STATE OD TEXAS   THESE ACCOUNTS ARE DO TO A DATA BREACH CAUSE I HAVE NEVER OPENED ACCOUNTS IN TEXAS
Consumer complaint received 2017-05-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

In the latter part o f XX/XX/XXXX , I w ent to  XXXX   XXXX  in  XXXX  NJ to purchase a  XXXX   XXXX   XXXX   XXXX . I went with very good credit and an excellent job. Yet despite these factors, I was granted a subprime loan b y Capital one at a rate of 12 %.  It had always puzzled me as to why I was directed to them and given a high-interest bracket loan when I had very good credit and a stable job. In addition, in   XX/XX/XXXX I had  paid off a previous auto loan for a used  XXXX   XXXX   XXXX  ( purchased in  XX/XX/XXXX  )  to  Capital One. I strongly feel as an   XXXX   XXXX   woman I was deliberately targeted and steered towards a subprime loan si mply because of my race. Capital  One  and the auto dealership colluded to give me a base car with a padded high-interest rate to their benefit. Capital  One  took advantage of a good credit worthy customer by issuing me hiked up loan. This loan caused my financial life to collapse. A domino effect began. I struggled to keep up the payments and was able to do so until my employment ended in  XX/XX/XXXX . In   XX/XX/XXXX  Capital One  modified the loan and lowered it a mere  1.25 % and stretched it out 3 additional years which is still p redatory in nature. Here it i s  XX/XX/XXXX  and I am  still paying for this car. I have asked them to close up or end the terms considering that I was scammed ; however, they refuse. I do n't have the credit worthiness at this point to do anything else with my finances. I am literally in bondage to this loan and it has hurt my family and my ability to maintain other areas of my financial life.
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.
Consumer complaint received 2023-02-06
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2017-05-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ARS National Services, Inc. (CO)

on  XXXX   XXXX ,  2014  I purchased furniture from  XXXX    XXXX   store #  XXXX . I if you paid it off in  one ye ar there would be no interest charged. They also automatically send you a credit card. The store and the credit card are separate. was not known at the time. I took my first payment into the store the day it was due. The clerk took my cash, which was {$140.00}. she gave me a receipt and I left. The next day  XXXX    XXXX   started calling me about my payment. that it was late and I would not qualify for the no interest agreement. I told them I paid in the store and I had a receipt. this was when I found out they were separate . S Th ey told me to call the credit people tell them what happened, they would refund the money then I could send it in to them. And there would be no problem, because it was the clerks fault not mine. So I did they sent me my money back, because i had never used the credit card. and never did. they took away the no interest because they said the payment was late. now years later a collection company is trying to collect {$140.00} plus interest. Now {$400.00} plus.
Consumer complaint received 2023-02-06
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. (IN)

Inquiries have been placed upon my consumer credit file with Transunion that do not rise to the level of permissible purpose. Accessing a file does not construed " permissible ''. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ), Transunion is required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U.S.C. 1681i, any aspect of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified line items that Transunion is reporting must be verified or removed. See the attached letter to Transunion requesting these inquiries be removed.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My accounts was never late! I have had exceptional payment history with capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2017-05-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

I already have filed    one compl aint with Santander, that is case number  XXXX . This is additional information that I was told to add by the cfpb as another complaint. The issue we are arguing about is Santander 's interpretation of ou r credit score.  The report that we get from the credit agencies is very different than what "  XXXX , ''  Santander  's source, uses, resulting in a lower  credit score  ( and therefore higher rate for us  ) . Now, we have just received new updated credit scores which are still higher than   XXXX   but have lowered BECAUSE SANTANDER HARD PULLED OUR CREDIT  THREE TIMES in under a month period. They pull our credit three tim es, it lowers our score, and we get a higher rate? So  Santander  is effectively forcing us into a higher rate themselves. Which should be illegal. Additionally, one of the statements on their  ( Santander 's )  credit report, which again does not come from the big  XXXX , states that I,  XXXX , have my score adversely affected be ause " length of time accounts have been established. '' My most recent account was established i n  2008. T  hat 's  nine yea rs! How long do they want? Also a detriment : '' length of time since derogatory public record or collection is too short. '' What does that even mean? I had a collection go on. I paid it immediately. PS, the people trying to collect were actually sending things to the wrong address, as evidenced on my credit report.  XXXX   XXXX   XXXX   An  address at which I have never lived. So Santander, again, wants to make more money on consumer loans, and so does their own detrimental workings against consumers, which is completely unfair and should be illegal.
Consumer complaint received 2023-06-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rent Recovery Solutions (GA)

I have been harassed for years by Rent Recovery Solutions LLC. I have disputed the matter as this is a fraudulent account. I have contacted the consumer to have removed continuously being hung up on and threatened. I have had it removed from the XXXX and also the XXXX report but for some reason, they will not remove this account from XXXX. It has cost me several hundreds of dollars trying to have removed. And it is causing me issues with housing. Please help as this is my last resort. Thanks.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account NamXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

GIVING NOTIFICATION THAT THE CREDIT REPORTING AGENCY have broken 3 Codes of consumer law. 

The agency has been put on notice. 

XXXX XXXX Secured # XXXX 15 U.S Code 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

15 U.S. Code 1666 Correction of Billing Errors 15 U.S. Code 1681B Permissible Purposes of consumer reports The bureaus are suppose to use maximum possible accuracy
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (KY)

Date : XX/XX/2023 Amount : XXXX XXXX : Experian - XXXX  Tried to get my free credit report. Instead I was taken to a page where I was asked to sign up for a subscription. Tried to use the option to get credi scores from all three reporting agencies. I was presented with three scores which I took to be mine until I noticed a half-tone note at the bottom that said sample report. No way to get the free report, just subscriptions that charge monthly. Very deceptive, and I almost fell for it. XXXX
Consumer complaint received 2022-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX, I received letter from Capital One ( Cap1 ) Fraud Protection department that my account was restricted. I contacted a Cap1 representative at XXXX and they told me to upload the 3 consecutive bank statements. I uploaded all information they requested on XX/XX/XXXX, and they told me it should take 3-5 business days to review and resolve. 

Then on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( maybe more calls than that ), I called every day to check my status, but the different agents kept saying different things from 5-7 business to 7-10 business days to review. Today XX/XX/XXXX, which is 10 business days and I have not hear anything, and I called them again. They said the reviewer team has not reviewed and can not provide any information on this case. And told me to wait another 1-2 more days, which also previously promised. I said that I plan to file a complaint to CFPB and the agent did not escalate to resolve my issues and still deferred me to wait another 1-2 days. Agent agreed I should file complaint report as I have everything in my power trying to resolve this issue, but Cap1 is not. 

I am done with the waiting game and zero communication from Cap1 regarding my restricted account. This was XXXX XXXX card which I paid ( {$400.00} annual fee ) for with minimal customer service support.
Consumer complaint received 2023-02-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (VA)

hello keep getting phone calls but the caller will not tell me the name of the debt collection company instead keep stating this is a personal financial matter are you ..my name.. i refuse to tell them due to they refuse to identify the company they represent and calling from a private number there fore i can not call them back. at least 10 phone calls sometimes call me 4 time in a week. also i recieved a email from XXXX XXXX XXXX with a statement saying pre legal notification no information regarding how much i owe just blank saying they want to resolve the issue also threatend to send to a attorney in my state if they don't hear from me.. i tried to reolve the issue with citybank before this went to collections but got the run around tried to make a payment but was told numerous time by citibank not to make a payment due to the account is under decision told to call back in 2 weeks when i called back they informed my it was charged off never allowed me to settle the account
Consumer complaint received 2023-02-06
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)

In accordance with the FCRA, this creditor has violated my rights under 15USC 1681 section 602 states I have the right to privacy. 15USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B ; a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-02-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (VA)

On XX/XX/2021, I decided to order new checks from my checking account at CitiBank, using the internet. When I clicked onto what I believed to be the Citi-Bank site a red flag appeared saying my account was frozen, for some reason and I needed to call the number that they gave. I foolishly called the number and was told that someone in Texas or Ohio had tried getting {$5000.00} from my account. It looked suspicious, so they called me, to see if it was legitimate. I told him the charge was not correct and of course he was going to get the " freeze '' lifted from my account to do something to protect my account in the future. He strung me along for about 4 hours and by the time I realized what was going on they had lifted two wire transfers from my account one for {$49000.00} and another for {$49000.00} with service fees for each one of {$17.00} each. I turned off my computer before he completed whatever he was doing and he got very upset throwing out swear words. He then came back on the phone and was talking fast and apologizing for it taking so long and started giving me a bunch of numbers that I don't know what they were. One of them he said was a " claim number '', XXXX and he said his employee number was " XXXX '' I asked for his name and he said it was XXXX XXXX. I do not believe that any of these numbers or names mean anything. 

On XX/XX/XXXX, I reported the event to Citi-Bank . Then filed a complaint with the XXXX XXXX XXXX  XXXX XXXX  Their case number is XXXX and the deputy that took the report was XXXX XXXX. After that I also filed a report with the FBI. 

During the phone exchange on XX/XX/XXXX at XXXX I got a text on my cell which I believe is from CitiBank asking me if I made a wire transfer from my account, one text was for {$49000.00} and the other for {$49000.00} as shown in attached screen shot of my phone. Both texts were answered NO. 

I noticed the transfers had gone off of my account and called the fraud department to understand why. They said it was too late to get them back, but they were able after a few days to return {$49000.00} to my account, but the XXXX  who called kept getting the amounts confused. When I questioned the other amount they said it was gone and nothing they could do about it. In a few days I called them back and they said I needed to fill out some forms notarized and send back to them, which I did. The about 2 weeks later I got a form letter from them stating they were not returning my entire {$99000.00}! They had already returned $ {$49000.00} so I knew they were at fault. 

The fraud claim number at XXXX XXXX The claim was denied again on XXXX because of " No new information was received or discovered that would change the denial decision '' This came after we sent the additional document they requested ( attached ) I am still waiting to get my money back!
Consumer complaint received 2019-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

Chase claims that they sent me a letter on XX/XX/XXXX saying that they would close my account, but I never received that letter. It claims that in that letter, it stated that I needed to call them to keep my account open due to a period of inactivity. Additionally, I am signed up for paperless notices so I receive all my information, including statements, via email. I received a promotional email on XX/XX/XXXX regarding that card saying that I qualify for a temporary, promotional APR from XX/XX/XXXX until XX/XX/XXXX. I enrolled that same day and received a confirmation of that enrollment, and began using my card again. I used my card until it expired at the end of XX/XX/XXXX, when I anticipated receiving a new card. When I saw nothing in the mail, I looked at my account on XX/XX/XXXX and saw that my account had been closed. This account has been open 6 years and 4 months and it is helping me build credit. My credit score will go way down and I am just starting to get on my feet and make money after being in school for long. If I had received the letter, or the information in an email, I would have acted fast, as I did for the promotional rate. It is unjust for Chase to have sent me a paper letter knowing I signed up for email notifications, and so even if required by law to submit a mail letter, Chase should have also notified me via email as I had anticipated. I thought everything was fine with my account when I activated the promotional APR, I had a false sense of security that everything would be at least fine until XX/XX/XXXX. This deceptive, unjust tactic is false and misleading, and I am extremely disappointed. I tried calling customer service on two separate occasions and everyone says that there is nothing that can be done. Please help.
Consumer complaint received 2018-10-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Through an article I read I found out that Wells Fargo has admitted a calculation error may have led to as many as 400 struggling homeowners needlessly losing their homes to foreclosure and many others being denied modification even though they were eligible. The affected homeowners were in the foreclosure process between XX/XX/XXXX, and XX/XX/XXXX. 
It also states that the mistake in a mortgage-modification tool, discovered nearly three years ago, wrongly factored lawyers fees into the formula put forth by the government to determine if a homeowner would qualify for a federally backed program, like XX/XX/XXXXs Home Affordable Modification Program, or HAMP, Wells Fargo revealed in a regulatory filing. As a result of the banks error, as many as XXXX customers were incorrectly denied a loan modification, Wells said. 
During this time period I was denied HAMP loan modification over and over again. On Friday XX/XX/XXXX I called Wells Fargo to find out if my loan was one of the loans affected by this glitch. I was given a reference number of XXXX by XXXX XXXX who told me she was transferring this over to the investigator and that I should get a call back on Monday, XX/XX/XXXX. 
To date I have not been called nor have I been advised if my loan is one of the affected loans. 
I want Wells Fargo to investigate and evaluate my loan and advise me in writing with details if in fact my loan is one of the loans affected by the glitch. If my loan is affected by the glitch I want Wells Fargo to reevaluate a loan modification on my loan. My home is in foreclosure and a sale date will be set soon and I am in danger of losing my home. 

My information : XXXX XXXX XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Tel : XXXX Wells Fargo Loan Number : XXXX