davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On Monday XX/XX/XXXX at night I used the Capital One travel portal to book a hotel. Capital One gives a price match guarantee for all travel booked through their portal. I booked the XXXX XXXX XXXX XXXX XXXX for XX/XX/XXXX check in and XX/XX/XXXX check out. When I go to price match I must find the total price another website would charge me and I found on stayforless.com a total price for {$180.00}. 
The price on Capital One was {$210.00} total. I did have a {$100.00} credit which applied to the price of XXXX. Also, {$23.00} of the total price was not due at that moment and was due when I arrived at the hotel. So XXXX {$94.00} is what I paid on my credit card at that moment. Because I had a separate XXXX $ credit and because I don't pay the XXXX customer service told me they would not price match. I explained that price matching is meant to be on the total price not some lesser amount. I think they should have credited me back XXXX $ ( XXXX = XXXX ) and that is the amount I'm seeking.
Consumer complaint received 2022-12-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Mcburberod Financial, Inc. d/b/a SeedFi (TX)

I originally took out a Borrow and Grow loan for {$6000.00} with Seed Fi in XXXX where I received {$3000.00} immediately and would receive the other {$3000.00} once I paid the {$6000.00} loan back. In XX/XX/XXXX, I received a letter from Seed Fi saying they sold my loan to XXXX, a debt collection company. XXXX is charging us a fee to make payments. They have no XXXX fee payment options. Additionally, they do not know the balance of my loan when I call. They do not show my savings account portion of my loan on their website. The website says I am 9 days late and have been charged {$130.00} in late fees in less than 30 days of them having my loan. We received a letter that stated auto pay would transfer over from Seed Fi to XXXX and it did not. Their website, XXXX does not look legitimate at all.
Consumer complaint received 2018-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have disputed the late payment status reported on the account XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score drastically. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2018-04-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (MO)

I noticed this new collection on my credit. I called to find about what it was about spoke with XXXX & he told me this was a online payday loan. I have never received anything regarding this fraudulent account. I advised the collector this isn't my account I had also been a victim of fraud & I need this removed from my credit immediately. I have never received any calls or mail. No validation with my signature as required by the FDCPA. This is not my account I need this removed
Consumer complaint received 2018-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed the late payment status reported on the account XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score drastically. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2022-10-22
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. (GA)

This is the several times I've complained about being a victim of identity theft. XXXX and TransUnion must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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 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
Consumer complaint received 2021-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

An account was open in my name by the bank fraudulently and i attempted to investage the problewms 2 years ago when it was first opened and i was not notified of what was going on with the account. Since they have told me the account was properly closed and was no penalties against my name however i viewed my reporr and there is still a closed account with 3 missed payments on a fraud XXXX account with the bank providers. They are in violation of my fcra and i have not got anything in the mail ever in the 2 uears i been fighting them off my name.
Consumer complaint received 2022-10-22
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: Experian Information Solutions Inc. (NY)

I ordered a copy of my report and I found out that credit reporting agencies indicate my dispute of information in my credit report. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. I believe it was reporting in error. 
DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00} DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$8100.00} DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$13000.00} DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$8300.00} XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$8800.00} XXXXXXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$5100.00}
Consumer complaint received 2022-12-20
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. (AZ)

XX/XX/2022, I sent a letter to the US Bankruptcy Court of Arizona asking do they report bankruptcies to the credit bureaus and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

However, such information shall not include specific factual information2 on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times : The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions According to : 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 am requesting my XXXX XXXX bankruptcy be removed from all 3 credit bureaus immediately. I also am requesting a copy of my credit report from each credit bureaus stating this information has been removed from my credit report.
Consumer complaint received 2022-10-22
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: Experian Information Solutions Inc. (GA)

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion.
Consumer complaint received 2017-04-01
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (IL)

I am a victim of counterfeit fraud on my credit card. Barclay notified me of the suspicious transaction on XX/XX/XXXX the day it happened. I contacted them as soon as i could and confirmed the charge in question was indeed fraud. After wait more than 2 weeks for the fraud charges to be credited to my account, I sent them an email questioning the status of account ( see copy of email in attachment ), and they responded that my issue has been escalated and will be diligently working to resolve it. After waiting another 3+ weeks, and nothing happened I contacted them for a 3rd time, this time by calling them. I finally got someone on the phone from the fraud department and he told me it would be handled right away, which I did receive credits on my account the next day. I just got a letter this week that was generically worded saying they resolved my fraud case and it is now closed. I assume this meant that it was in my favor, since I am the victim of fraud, but no, they put the fraud charge back on my account. I find it extremely frustrating and completely ridiculous that I will need to reach out to Barclay for a fourth time to resolve an issue that I am a victim. I have also been making payments to cover the fraud charge because I do not trust this company to properly credit me any interest that I would have incurred because of their incompetence and failure to handle this simple situation.
Consumer complaint received 2022-10-22
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. (TN)

In accordance with the Fair Credit Reporting Account, XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2022-10-22
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. (GA)

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion.
Consumer complaint received 2022-12-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION (OR)

This complaint is about my savings account with the online bank XXXX ( associated with XXXX Bank ) and their action of entirely blocking my access to the account ( including the online access ) without explaining the situation and refusing to provide me an expected resolution time. 
Here are now the details associated with this case. 
I found the online bank XXXX listed by XXXX as FDIC insured and with a very attractive savings rate and thus decided to apply for an account. Proceeded with the online application process and submitted all my requested personal data and then after more than a week the account was opened and got online access to it. Subsequently I funded my new XXXX savings account from other personal bank accounts using initial withdraw initiated by XXXX as also XXXX transfers initiated by me on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
End of XXXX I scheduled another XXXX transfer from my XXXX account at an amount well below my current balance. Start of XXXX I received an email from XXXX stating that my external transfer capability got suspended. Figuring out that actually my entire online access to the account was suspended I called the banks customer service. They told me that my account was undergoing verification but this can be accelerated if I provide a copy of my driver license and most recent statements for my external accounts used in the funding process. I provided immediately all requested documents, confirmed by the banks representative who also told me they will soon follow-up with a resolution. 
I continued to check for status updates almost on a daily base. My emails remain unanswered. When I call the customer service line they tell me to wait for completion of the verification, refusing to give me an expected time for resolution. When I ask to talk to a supervisor or XXXX XXXX turned down or simply hung up. Even for my request to get the latest bank statement or to have the account closed and funds returned I was turned down. 
Also want to mention that all online actions to XXXX are redirected to a XXXX XXXX  XXXX. The site also states that all deposit products are provided by XXXX Bank and accounts opened via XXXX are marketed by XXXX. I tried to call directly XXXX Bank customer service but they claim not to have access to XXXX accounts. 
Ive also attached emails received from the bank directing me to access the account online but then that access is blocked and all my requests for having it restored remain unanswered. 
Here I am after 3 weeks of being cut off from my own money and with no perspective for a resolution. After finding hints in the XXXX magazine about the CFPB office as a path for mitigation Im turning to you for support to get the access to my own money restored.
Consumer complaint received 2022-10-22
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. (TN)

In accordance with the Fair Credit Reporting Account, XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2022-10-22
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2017-04-06
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

This is the 3rd time I have submitted a complaint regarding Capitol One credit card. Please refer to case # XXXX, my first complaint. Again, I have been called at work 3 more times since my original complaint was submitted about them harassing me at work. To make matters worse, they revealed to the receptionist that it was a collections call regarding my name. This is mortifying!!!! PLEASE, do something to make the stop calling me at work. Today 's " recorded '' phone call was from XXXX, PA XXXX. I requested this detailed information from the representative because on my original complaint, Capitol One LIED and said they were not calling me at work. Please request a copy of that recorded call and as proof. Please fine Capitol One for blatantly disregarding the law. Please help me!!
Consumer complaint received 2024-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2022-11-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

We are in desperate need of your assistance. Our mortgage company Carrington Mortgage Services , LLC . By and through their third party affiliate company keeps harassing us about insurance we have. 

To begin, we received a letter from them dated XX/XX/2022. In that letter, they tell us we have no insurance and that they are going to take coverage out on our home for an exorbitant amount of money. We informed them that we have had coverage for the past 2 years, of which we make our payments directly to the insurance company. Also, we were informed by the previous mortgage that a reduction to our monthly payment was in order and that would be done by the new mortgage company Carrington. As they sold the debt to them. 

After informing them of the facts stated earlier, they still persisted and required another copy of our insurance deck paper. Citing they never received one from the insurance company. We knew that to be false because they forwarded us a postcard acknowledging receipt of the policy. However, we contacted our insurance agent and she promptly forwarded the information. 

Believing the matter was resolved. Our insurance agent received another phone call on a different day requesting more documentation that the policy was in effect. Carringtons third party agent was requesting personal information, and the agent referred them back to us. After a call to us, they demanded to see the invoice of payment made. They asked the insurance company if we still owed any money or had missed a payment. They wanted to make that payment on our behalf, but they were informed that the policy was paid in full and had been paid in full for the past year as well. 

In closing, our issue is, the mortgage company is attempting to force us to take their insurance and raise our monthly payments, when they are refusing to lower our payments due to credits back to us for carrying our own policy. We need our credit for lowering our monthly payment down immediately and the harassment to stop.
Consumer complaint received 2022-12-20
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. (FL)

This is in addition to complaint : XXXX. 

This information has been forwarded to Attorney Generals : XXXX XXXX  ( Florida ) XXXX XXXX ( Maryland ) This information has been forwarded to XXXX XXXX the Director of the CFPB. A lawsuit will follow.
Consumer complaint received 2023-02-03
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$210.00} ; XXXX XXXX Balance : {$520.00}