davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I called Capital One with questions about the two interest rates shown on my bill for the last couple of months. In typical Capital One customer service fashion, nobody I spoke with could answer the questions I had about the extra interest rate charged labeled " Interest Charge : XXXX XXXX. '' On or around XX/XX/XXXX, I did take a {$1900.00} XXXX XXXX after a financial emergency -- my paycheck had yet to reach my checking account and the rent was due. On or around XX/XX/XXXX, my account showed a " XXXX XXXX fee '' of {$57.00} On or around XX/XX/XXXX, there was another " XXXX XXXX Fee '' of {$22.00}. Again, on or around XXXX a " XXXX XXXX Fee " of {$48.00}. The latest " XXXX XXXX  Fee '' is on or around XX/XX/XXXX for {$49.00} This is outrageous and simply screws customers over after a financial emergency. I have made more than enough payments to reduce significantly reduce the " XXXX XXXX XXXX '' if not wipe it out completely. Again, I have tried twice to get answers from Capital One customer service to no avail. The last was on XXXX XXXX, when I spoke with a supervisor named a XXXX XXXX correct spelling, I asked him to spell it ) who basically said he can not give me an answer to my question. He tried, but could not answer follow up questions I had. 
I always pay well beyond the minimum payment each month. Since XX/XX/XXXX, I have made the following payments : XXXX XXXX, {$60.00}. 
XXXX XXXX, {$200.00}. 
XXXX XXXX, {$140.00}. 
XXXX XXXX, {$1500.00} ( two payments combined ) XXXX XXXX {$210.00} When I spoke to XXXX he said I haven't even paid off the interest on the transaction. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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 XXXX XXXX XXXX. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-10
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. (IL)

I sent in a letter explain errors on my credit report over 30 days ago. I seen a whole bunch of errors and marks on my report that I was un aware of. Especially marks on my report when i was XXXX  I need to this incorrect infor off my report this is affecting my ability to grow since i have been home
Consumer complaint received 2023-09-12
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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX. 
Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-01
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-27
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. (PA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-10
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. (NJ)

In accordance with the Fair Credit Reporting Act ( FCRA ) -- > XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX have violated my consumer rights.

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-02-08
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. (FL)

In accordance with the fair credit reporting act XXXX account with, XXXX XXXX XXXX XXXX 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 2 : it also state a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-11-02
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (WY)

XX/XX/XXXX XXXX XXXX XXXX made an unauthorized inquiry and received an unauthorized copy of my Credit Report from XXXX. I am requesting the removal of the inquiry from my credit report. 

XX/XX/XXXX, a credit card was taken out fraudulently in my name at USAA Savings Bank. The account was closed and charged off {$640.00}. USAA has acknowledged this as fraud and identity theft however has taken no steps to remove from my credit report. USAA Savings Bank is negatively affecting my XXXX score and therefore I have had to pay higher interest rates on a car loan. Shame on you USAA! Please rescind from XXXX, XXXX XXXX and XXXX. This has gone on far too long!
Consumer complaint received 2023-01-02
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. (VA)

In accordance with the Fair Credit Reporting act XXXX Account 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 2023-06-07
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. (WI)

I sent a letter in attempt to remove These accounts that should not be furnished on my consumer report as they are in violation! Under 15 US Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.As a consumer, I am demanding the deletion of all the accounts listed IMMEDIATELY! 

XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$5100.00} XXXX XXXX XXXX XXXX {$85.00} US Dept of ED/GSL/ATL XXXX US Dept of ED/GSL/ATL XXXX XXXX XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX XXXX {$62.00} XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I am writing to file a formal complaint against XXXX XXXX  regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated. 

On XX/XX/2024 I notified XXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliate third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 
I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution.

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX XXXX  has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 
This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing including the potential for identity theft, fraud, and other financial harm. 
I kindly request that the CFPB investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX  complies with all federal regulations and laws, including the GLBA to protect the privacy and information security of consumer like me. 
Additionally, I would appreciate regular updates of this investigation and any action taken to address the violations committed by XXXX XXXX. 
Please feel free to contact me at XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-02
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. (VA)

I have been trying to resolve XXXX items showing on my credit report since XXXXXXXX XXXX XXXX. I have written to all XXXX credit bureaus asking for verification of these accounts. I have no recollection of either one. I have not received any type of communication in regards to my request. I have sent XXXX letters regarding these accounts. I know they have 30 days to respond but it has been over XXXX.
Consumer complaint received 2023-06-07
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, XXXX XXXX XXXX XXXX  act # XXXX has violated my rights.

15 U.S.C. 1681 section 602A states that 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 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 2023-05-17
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. (TX)

Written disputes mailed certified XX/XX/XXXX. Requesting investigation and proof of debt plus method of investigation following FCRA guidelines. Asked for removal of inaccurate unknown accounts. Disputes closed with no further information nor proof of debt. Inaccurate accounts remain on credit profile. 

Filed online disputes via credit reporting site XX/XX/XXXX. Disputes closed inaccurately and disputed accounts remain.
Consumer complaint received 2017-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NC)

Today, XXXX XXXX, XXXX, I have been on the telephone for 2 hours with representatives and managers of Experian attempting to secure the free identity theft protection issued by XXXX XXXX who recently purchased XXXX XXXX XXXX XXXX XXXX XXXX or ( " XXXX '' ). It appears that XXXX may have overlooked the fact that its ' data system had been compromised via evidence of unauthorized access to the XXXX network. 
Unfortunately, due to managers hanging up and not returning calls and individuals who simply did not know what he/she was doing with Experian, I have been unable to establish a file to secure my identity due to this breach. The call was disconnected and Experian did not call me back even though I had given my number as a call back. Also the code states " invalid CSRF token '' each time I try to log in. Thus XXXX XXXX and XXXX and Experian has failed to enable me to secure the free identity theft protection even though I have been on this phone for hours and hours with incompetent employees who do not have a clue how to process this and employees who do not call back after the calls drops or they disconnect on purpose.
Consumer complaint received 2023-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CRED Technologies dba cred.ai (CA)

On or about XX/XX/2022 I submitted three disputes in the amounts of {$200.00}, {$190.00}, and {$170.00} and change. After giving Cred.ai the allotted time frame of 10 days as stated in their terms and conditions regarding disputes I decided to call their Customer Support number as advised. They call this their " 24 hr emergency support line '' which is nothing of the sort, this hotline is simply 3rd party agents hired by Cred.ai taking your concerns and fwrding it to a dedicated team, which as a customer you have no real access to. These agents also state that they have no access to real account info as Cred.ai has limited their access to any account info which is a lie, as Ive called numerous of times and gotten info regarding my disputes, for example on XX/XX/XXXX I called in to ask about provisional credit expected and well over due. Agent stated that I would receive it the following day XX/XX/XXXX after XXXX XXXX which another rep confirmed on another occasion I called in after the credit never reached my available to spend. Following the 10days Ive been calling almost everyday for updates requesting call backs emails, something to keep me in the loop. No call backs emails pertaining to my request have been addressed. With out exaggeration Ive requested more than 20 follow ups. Fast Fwrd to XX/XX/XXXX I receive a denial email of 2 out 3 claims, which I believe Cred.ai had no real interest in properply assisting in the recovery of my funds. After receiving their denial email I immediately respond requesting to file an appeal as I did not and still do not agree with the outcome and the handling of my claim, additionally I request, to this day, 6 times for their supporting documents pertaining to their investigation as per their request they asked me to provide additional info to assist in the appeal. I find this difficult as I can not review or compare any info they might already have, more importantly the intake of my dispute. I feel Cred.ai has not been compliant wit Reg E or Z. It is to my understanding that that weather the outcome of my claim is in my favor or not Cred.ai must pay {$50.00} per claim in which the processes outline for Reg E and Z and as stated in their terms and conditions further more Cred.ai has been negligent in responding in timely manner or just responding in general as mentioned above I have requested supporting documents of their investigation and they have declined to provide me with as per their actions. Cred.ai should not be allowed to be in finance with such unethical behavior and should be healed to such standards such as others Im the financial industry. They should not be expect from following proper protocol and procedures
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act. The List of Accounts below has violated my federal protected consumer rights to privacy and confidentiality under ( 15 usc 1681 ) I told experian, XXXX, and XXXX to reinvestigate these accounts XXXX. XXXX XXXX acc  # XXXX XXXX  XXXX acc  # XXXXXXXX XXXX XXXX acc  # XXXX 15 U.S.C 1681 ( A ) 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 2023-05-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Paycheck Solutions llc (TX)

I applied for a loan with this company, as i have done many times previously. We went through the process of the loan and they asked me to verify my bank account info, and debit card with the last XXXX digits, expiration date, CVV etc., the debit card they were supposed to use was the card ending in XXXX ( please see email attached ), however when the loan was processed, they deposited the funds on to a debit card that did not belong to me. They deposited the funds to a debit card that i used to payoff a previous loan, and not the debit card i provided, that actually belongs to me. The debit card thee deposited the funds to did belong to a family member ( not immediate ) that owed me money-I had an agreement with my family member to instead of send me the money, they would just pay off this loan with their debit card. 

Turns out the person to whom the card belongs to saw the funds deposited and unfortunately depleted the funds and i was unable to recover them. 

Because i never received those funds, it put me in a bind to where i could not pay them back. Now they are threatening to garnish my wages, even though they made a mistake.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2023-06-27
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX you are in direct violation of the fair credit reporting act XXXX XXXX XXXX, XXXX has violated several of my rights. 

15 U.S.C. 1681 section 602 A. clearly states that 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. 

remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.