davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one auto finance has repossession my vehicle yesterday XX/XX/2023 for non payment. 

Capital one auto finance got a warranty refunds and was directed to apply it towards the full balance and they failed to comply. 

I also directed that refund to be applied towards the balance and it was not. I am finding out right now what it takes to get my back while Im filing this complaint. 

Not applying the refund for the full balance gave them the option to take my car and that is not fair at all in my contract it say that if they get a refund for a warranty I agreed for them to apply it towards what I owe. 

Capital agent told me that it only go towards the principal balance and not the past due but it dont state that in the contract. 


Please help me this caused me to have so much financial stress as they denied me other things please help.
Consumer complaint received 2022-11-05
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. (CA)

To whom this may concern, I have multiple inquiries from XXXX XXXX XXXX I didnt give XXXX XXXX XXXX XXXX consent for inquiries. I have disputed the inquiries and over 20 deleted reports from XXXX XXXX was removed, due to these deceptive tactics I have been financially unable and stressed. I now noticed that these are violations under the FDCPA and XXXX XXXX is legally obligated to pay for violations. Like I said I have over XXXX and Im putting yall on notice so we can have this matter taken care of. Also I received a report from a new debt collector stating I owed a debt of {$510.00} and I learned XXXX XXXXXXXX XXXX sold them my information without any consent another illegal tactic this company has made against me.
Consumer complaint received 2023-07-01
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I am trying to get copies of my Kohls billing statements for the past three months to see if they are correct as to purchases and returns. I was enrolled in paperless however, when I try to view statements on website I am not able to get to them. I called customer service number and did an online chat with customer service and they have not provided any assistance speaking to three people for over an hour. 

Further, I have two very large store credit gift cards from returning a purchase without a receipt ( which is allowed ) and they accepted the return giving me the lowest sale price. These are never supposed to expire and when I went to use it they were zeroed out. I called several times to resolve and the last time I spoke to someone at corporate I was told it was a loss to the store because some items I used kohls cash. So essentially, I paid for the returned items and did not get my money back. I asked to get copies or review statements to prove I made purchases earning the Kohls cash and regardless whether it was a store credit that I received when returning they gave me the lowest sale price and then essentially gave me nothing and kept the items I had returned.
Consumer complaint received 2020-08-04
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: EQUIFAX, INC. (PA)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX XXXX {$460.00} XXXX  XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$22000.00}
Consumer complaint received 2020-08-04
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$5200.00} XXXX   XXXX {$2700.00} XXXX XXXX XXXX XXXX {$910.00}
Consumer complaint received 2023-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IL)

Citibank blocked my and my wifes ( all joint accounts ) debit card without prior notice on XX/XX/2023 at around XXXX. When we called Citibank, they said that our accounts ( checking and saving ) are being closed by Citi and I need to go to branch to address the problem. At the XXXX XXXX, IL branch on XX/XX/2023 at around XXXX, I wasnt given explanation but was told that the accounts are blocked and I cant access the funds. After begging them on my knees, they allowed me to obtain a cashier check for XXXX so I can pay bills and my small children have roof and food in their stomach. When I asked for cashier check for the rest, they declined. 

Later the same day I spoke with my relationship manager ( XX/XX/2023 at around XXXX ). He told me the same about my accounts and told me that the easiest way for me to obtain funds is to close my account and take the funds to another bank. I went to the XXXX, IL branch immediately where I was told that my account is locked and there is nothing that they can do about it ( XX/XX/2023 XXXX ). They gave me a number to call and asked me to leave without funds as they wanted to close even though it was prior to the closing time per their signage. 

I called the number given ( XX/XX/2023 XXXX ), it redirected me to another number where I was told that only by debit card was locked and I should be able to access my funds without any problems. She also stated that I should be able to just access my funds at the branch, that there should be no reason whatsoever. 

Unfortunately, every time I speak to someone from Citibank, I receive a different response, conflicting information and no resolution. All I want is to close my accounts and safely move my funds to a different financial institution.
Consumer complaint received 2020-09-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc. (MO)

On XX/XX/XXXX I received a notice from XXXX  that I had a debt collection added to my account. I checked XXXX XXXX and sure enough CBE Group placed a collection account on my credit report for XXXX, XXXX  and I'm assuming XXXX. They say the account was opened on XX/XX/XXXX and the remark was because of a natural disaster. The original creditor is XXXX ( XXXX ). I currently have an account with XXXX  and the account is paid and in good standing so I have no idea what this collection is for. I have changed service twice with them and nothing has ever been said about an outstanding balance. In addition, I have never been contacted by the CBE Group in relation to this issue prior to it appearing on my credit report or after. It appears that they backdated the matter since I get an email from XXXX  anytime something changes on my credit report. I recently refinanced a house and it didn't appear before the XX/XX/XXXX closing.
Consumer complaint received 2023-02-09
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. (NM)

For XXXX week, Experian responds online to my request for my free annual credit report by indicating it can not provide the report and I must send a form containing my SSN and other personally identifiable information via US mail to receive it. This is not the first time this has happened and there is never any reason/justification given for this repeated problem. Experian seems to think sending my SSN via mail is not a problem, even though this opens the door to identity theft. If Experian can not fulfill its responsibility to consumers under Federal law, it might be a good time for it to cease its existence. There is no need for 3 credit reporting bureaus in the United States.
Consumer complaint received 2020-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.C. System, Inc. (MN)

So I Lost my wallet in the year of 2013 when i turned 18 and went to apply for something i seen my credit had been breached and someone was using my names for multiple reasons i have also proved this to bureuas and everything have been verified and got removed including this. and now its back on my credit lowering my points even more because its appearing as just happened which isn't cool because its like haunting me now and not going away when it just was gone im lost.
Consumer complaint received 2017-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hard Inquires ( inquiry date ) on my credit that I do n't recognize or did n't authorize : XXXX/XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX-XXXX XXXX : XX/XX/XXXX XXXX XXXX-XX/XX/XXXX
Consumer complaint received 2023-01-08
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: Experian Information Solutions Inc. (IL)

Based on my communications with all the credit agencies in XXXX of 2022, regarding the inaccurate information posted to my credit report ; I explained to all 3 agencies to investigate the information posted that was not accurate. Their response was that the information posted was accurate per their investigation. I asked if they could investigate each account listed on my file.

According to the Fair Credit Reporting Act the term investigative 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/she is acquainted or who may have knowledge concerning any such item ( s ).

They also stated that my account was verified, but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts reported are not 100 % accurate. Additionally, according to the Fair Credit Reporting Act 15 U.S. C. 1681 everything has to be 100 % accurate. I have downloaded a copy of my credit report.

In accordance with the Fair Credit Reporting Act, the listed accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

1. ) ACCOUNT : XXXX 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.

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

15 U.S.C 1681 Section 604 A It also States consumer reporting agency can not furnish an account with writer Instructions.

15 U.S.C. 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692b not use any language or symbol on any envelope or in the contents of any communication affected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt
Consumer complaint received 2023-01-06
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: Experian Information Solutions Inc. (CA)

Under the Fair Credit Reporting Act, they 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 602 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 2023-01-06
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. (NY)

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 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX Balance : {$370.00} XXXX XXXXXXXX XXXX Balance : {$320.00} XXXX XXXXXXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$380.00}
Consumer complaint received 2022-11-06
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: EQUIFAX, INC. (GA)

Despite two written requests, the unverified items listed still remain on my credit report in violation of Federal Law. it is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, it was stated in writing that they verified that these items are being reported correctly?

Who verified these accounts?

They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 

ACCOUNTS : XXXX  ( Equifax & XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX ( Equifax ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX
Consumer complaint received 2022-11-06
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. (GA)

Despite two written requests, the unverified items listed still remain on my credit report in violation of Federal Law. it is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, it was stated in writing that they verified that these items are being reported correctly? 
Who verified these accounts? 
They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 

ACCOUNTS : XXXX ( XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX Transunion ) XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXXXXXX XXXX XXXX XXXX  ( Transunion ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX ( Transunion ) XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX
Consumer complaint received 2020-03-13
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)

I filed a complaint against on XX/XX/20. From XXXX reply, I learned that my credit report was checked for a credit line increase that I didn't authorize. I have a freeze and fraud alert on all three credit files. This complaint also consist of XXXX, Equifax, and XXXX releasing my credit reports without consent. 

The following are issues that XXXX needs to answer that were unanswered in the first complaint and prompt additional complaints. 
-- -- - ( 1 ). Why was an unknown email placed on my account without verification? My email address has always been XXXX. 
-- -- - ( 2 ). Why was my account reported to all three credit bureau agencies as delinquent? There were no delinquencies. Through automatic payment from an account that I no longer used, three payments were returned. I replaced the drafted payments, and I was charged return check fees, not late fees. The credit bureaus do not report return checks on accounts. It reports late payments. The account was paid in a timely manner. By law, I am supposed to be given time to pay for any return check payments. 
-- This unfair credit reporting violates the Fair Credit Reporting Act and debt collection. I will file a complaint with my State 's Attorney General Office for an investigation, and I will file a federal lawsuit if necessary to resolve this matter. As a result of XXXX inaccurate reporting my account as late, my credit score was lowered to XXXX. 
-- -- - ( 3 ). Why was my credit line decreased based on other creditors? I've never paid any of my creditors late. 
-- My credit score has been negatively effected in terms of a low score of XXXX because XXXX lowered the credit line, which indicates to creditors that I used nearly 100 % of the credit lin, which is inaccurate. This is abusive credit card practice. 
-- -- - ( 4 ). In a tape recorded conversation, the representative indicated that XXXX would removed the return check fees due to my hospitalization. 
-- -- - ( 5 ). If XXXX attempted to contact me about the return payments, I would've been unable to answer the calls at my home resident. Beside my home phone number, my account provided a cell phone number. I never received any voicemail messages on my cell phone from XXXX notifying me of return payments, nor did I receive any letters. 
-- -- - ( 6 ). XXXX claimed that emails were sent to me at XXXX. This fraudulent email never belonged to me, and the name alone should've alerted XXXX of an account breach. Most importantly, I was never notified to verify a change in my email address. 
-- -- - ( 7 ). There has been security breaches with XXXX and Equifax. I question how XXXX accessed my credit report files with a freeze and a permanent fraud alert. I have not removed the freeze in over a year. 
-- If XXXX doesn't resolve my issues of concern, and my credit files doesn't report accurate information. I will be hiring an attorney to take legal measures for a resolution.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (NJ)

Ive been an American Express ( Amex ) customer since XXXX have never been charged a late fee or interest charges as it relates to my credit cards. 

I recently opened a new Amex credit card under account XXXX but it seems the Autopay function did not carry over from my current Amex credit card to my new Amex credit card which resulted in a {$29.00} late fee on XX/XX/XXXX and {$58.00} interest charge on XX/XX/XXXX. 

I called Amex customer service on XX/XX/XXXX as asked why the auto payment did not occur for this account and was told that this needs to be manually entered. I requested the {$29.00} late fee and {$58.00} interest charge ( {$87.00} total ) to be refunded as a one-time exception and was denied on the basis that this is a new account despite explaining that I have been a customer since XXXX and having explained that I was not aware that the auto-pay must be manually entered for each account.

It is my belief that Amex willfully engaged in deceptive financial practices to harm consumers by instituting a manual autopay function for each account for the sole purpose of charging late fees and interest charges. I would further accuse Amex of financial fraud and ask CFPB to investigate this further.

As resolution, ( 1 ) I ask CFPB to request Amex to refund the {$29.00} late fee and {$58.00} interest charge ( {$87.00} total ) back to my Amex account XXXX and ( 2 ) I ask CFPB to investigate AMEX for deceptive financial practices to harm consumers as it relates to this case for late fees and interest charges and ( 3 ) I ask CFPB to investigate Amex for discrimination against and targeting XXXX in deceptive financial practices. 

Thank you. 

Best, XXXX XXXX XXXX XXXX )
Consumer complaint received 2021-02-06
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: CITIBANK, N.A. (NY)

I Have a best buy store visa credit card, I purchase two XXXX television for a sum total of {$1500.00} each television was {$690.00} plus tax .When after seven days one of the television units stop working. I return the television unit seven days later and purchase a new television, however the new television that was purchase is not reflecting on my credit card statement and the difference is not being reflected either, the purpose for me writing this is because i tried contacting the store they state returns take up to thirty days, we are probably on day forty now and i would like my refund. The best buy in which this event took place was the best buy in XXXX  XXXX New York.