davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-28
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital One discriminated against me by only offering interest rate on a loan way above that of what they offer other individuals for no reason. They were completely predatory in there unfair loan. The company does n't refinance existing loans, again discriminating against me by denying me services they will provide other people.
Consumer complaint received 2024-02-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX
Consumer complaint received 2023-07-04
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. (FL)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-07-04
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
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 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 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 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-07-04
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. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2017-01-21
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A. (IL)

Dear Sir/Madam, In order to avail the promised " CitiBank Global Transfer '' by Citibank, I initiated my account opening in XXXX XXXX, XXXX. I submitted my account opening papers and check on XX/XX/XXXX, but my account was not opened until XX/XX/XXXX, which happens to be a substantial delay for someone traveling overseas. 

Adding to the inconvenience and delay, on the basis of communicated assurity from Citibank that my money will be transferred within SECONDS to the XXXX / XXXX account, I have planned to use this as my primary source of funds for the deal requiring XXXX XXXX /- ( ~USD {$22000.00} ) and have suffered losses of XXXX XXXX /- ( ~ USD {$7300.00} ), because of inability of CitiBank to transfer my funds overseas using Citibank Global Transfer XXXX 

Also, Citibank online portal wo n't let me add the XXXX branch account as a recipient, as the section dropdown dosent contain XXXX branch nameThis is quite unprofessional considering the fact that the branch has been operational for over 2 years. I also checked this with the Citibank XXXX associate ( XXXX ) and he could not figure out a way to add it too. And, after reaching to Citibank Online helpline - associate ( XXXX XXXX ) mentioned the reason of account addition failure being the branch not listed in dropdown selection. She mentioned of taking a note ( Ticket no - XXXX ) to convey it to their team, but still no response or update have been received on it. 

Update XX/XX/XXXX - I got the mail form Manager - Customer Care XXXX - " We confirm that we have initiated an investigation on the complaint under reference number XXXX. We shall respond to you within 05 working days '' But I have no progress form them on this case. 

Update XX/XX/XXXX - As per my hour long conversation with the XXXX ( Team Leader XXXX XXXX ) and XXXX ( Client Advocate XXXX XXXX ) - both from Customer Support Citi Bank US - told me that - - " CITI Global Transfer is only applicable on the branches mentioned on the website '' - " As per Regulation change XX/XX/XXXX, no global transfers can be made into NRE accounts in XXXX '' I find it odd that both the statements implies that XXXX branch was NOT eligible for Global Transfer and yet I was insisted by the CITI Bank XXXX associate to open an account for that purpose. Either associate was Uninformed, or I was asked to open an account under False Pretenses. 

Update XXXX - I got the another mail form Manager - Customer Care XXXX And I have no option but to wait to see HOW and IF, CITI bank resolves this issue. 

As per this whole episode, I have suffered losses of XXXX XXXX ( ~ USD {$7300.00} ) for the inability to have money at the right moment. I have my opening balance money ( XXXX XXXX / ~ USD XXXX ) stuck in the Citibank XXXX account for no use. I am facing repercussions in terms of lost faith from other party, and lost tremendous amount of time and experienced XXXX in this process. 

Therefore, I request you to look into this issue, and take necessary action accordingly.
Consumer complaint received 2023-07-04
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. (TX)

I am sending my CFPB Complaint today to inform you about the wrongdoing of the XXXX credit bureaus. The current status should not be showing late because I paid it on time. The 3 Credit Reporting Agency lacks proper record keeping. The accounts are open in late and when I requested records to prove theyre reporting are erroneously they have failed to provide me with any evidence.. Lets correct these immediately. The Bureaus required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise, correct these following accounts immediately : HXXXX XXXX XXXX Balance {$30000.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2017-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (OH)

I requested Experian correct the status of a XXXX second mortgage account reflect " closed '' status, to be corrected to " paid as agreed status, '' accurate as of XX/XX/XXXX. 
XXXX reported a charge off " CO '' XX/XX/XXXX ; according to the XX/XX/XXXX attached Experian credit report, the account was scheduled to return to a positive status XX/XX/XXXX. A payoff settlement of $ 100 monthly for 5 years was paid as agreed. 
Now the creditor ( XXXX ) reported it charged off for the second time in XX/XX/XXXX, resulting in a second derogatory hit on my credit report. This charge off status was reported during short sale XX/XX/XXXX. 
See Experian report from XX/XX/XXXX reflecting the XX/XX/XXXX charge off previously, which already dropped credit score XXXX points 6 years ago. To do so twice is punitive, preventing those paying in good faith from recovering.
Consumer complaint received 2024-02-29
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Credit Karma (TN)

On XX/XX/2024 we did our taxes on turbo tax and requested an advance of XXXX XXXX We got that on credit karma on a checking account. Then a week or so later we get on credit karma to check out account and it states the account is closed. We have no wrote them via chat at least 8 times and talked to them on the phone at least 5 times. They state that the account isn't open but our tax money is on that account. They have stated they sent it to high people at high priority but still waiting to hear anything back since XX/XX/XXXX. They won't let us request a check or anything. Just a go around everytime we talk to someone
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. (IL)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 
In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX XXXXXXXX, account # 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 2023-06-05
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 2017-03-31
Product: Credit card — 
Issue: Rewards — 
Company: Bread Financial Holdings, Inc. (KY)

I applied for the credit card while making a purchase in order to get into the rewards program. I earned my first reward for {$10.00} off my next order. I attempted to use the reward and it came up as an invalid number. I spoke to numerous people and no one could get it to come up as valid. I had to cancel my order and cancel the account. I earned a {$10.00} reward that I was NEVER able to use. I believe the rewards program is a scam to get people to apply for the credit card.
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX have violated my rights. According to : 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 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 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

Experian XXXX XXXX Headquarters XXXX XXXX XXXX, XXXX XXXX, CA XXXX Dear sir, I would like to comment of your company response on CFPB report ( XXXX ). In the response, you have mentioned on medical information on debt. On that matter, I only have the dental grievance. Since I paid off the bill, which is more than {$3000.00} in these 10 months and yet I do not know when the treatment of my teeth will finish at this moment, I am not sure why your company needs to mention about medical information on this response. Since I have the identity theft issue at hand and I have some serious hacking issues with the medical insurances last year, I suspect your company is trying to get the personal information by asking the medical information. Therefore, you might be considered to get the medical information for the illegal purpose. If not, you need to provide the appropriate reasons why you need to ask the medical information, which must be delicate personal matter and information, even though you must know the detail of my payment record on my credit card of a certain bank. 

Also, I want to know when you will send me the review, since you just mentioned the date as { sent date }. I have just received the postcards to ask the personal information for cancellation of opt-out of promotional mails. 

Sincerely,
Consumer complaint received 2023-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 2022-09-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XXXX Bank of America supplied loan for vehicle. 

XXXX I sent a letter for Debt Validation. I requested validation of debt, verification of claim, and a copy of the contract signed by both parties. 

XXXX Bank of America agent signed green return receipt. No response to my letter was provided. 

XXXX Second Request for Debt Validation. Requested all previous documentation plus an invoice for violations of 15 USC 1605, 15 USC 1681, and 15 USC 1692. Suspicious Activity is suspected due to their refusal to provide requested documentation. No validation of debt or verification of claim. I requested payback of the full amount of the loan. 

XXXX Bank of America agent signed green return receipt. 

XXXX Bank of America sent letter stating that they are not subject to the Fair Debt Collections Practices Act. They determined that the contents of my letter were without merit. They used obscene and profane language by stating that they reserve the right to exercise any and all rights and remedies. Furthermore, they threatened to not respond to further correspondence on this matter. 

I remained in honor by making payments on this account throughout this entire process.
Consumer complaint received 2023-06-02
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. (TX)

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.

The letters are stated with items and issues.

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. 

XXXX5 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 2017-03-28
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Please find the above collection agency by submitting a false sale from Capital One Bank Card. 

1 ) They allege that they purchased the debt from Capital One Bank Card # XXXX in the amount of {$2300.00}. 

2 ) This is false as they failed to supply how much did they really pay for the alleged debt from Capital One Bank Card # XXXX. 

3 ) They also failed to provide proof of each item of the allege debt that totals {$2300.00}. 

4 ) They have failed to provide the credit card agreement with my signature. 

This fraud must be investigated