davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

I would like to state that I receive an adverse action letter from Capital One stating that they had denied me for a auto loan. I would like to state pursuant to 15 USC 1691 adverse action states that I can only be denied for employment or insurance. I would like to state that Capital One has violated me by denying my right to credit.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This is my first 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 an alleged fraud or extortion. 
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Consumer complaint received 2021-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

The lender incorrectly has some of my charges and payments tagged as late. All my payments with the lender have been paid on time. I have asked the lender to correct this and have all charges and payment history marked as current in all places : including but not limited to lenders systems, statements posted for my download on lenders portal accessible by me, and all credit reports. This is not yet done.
Consumer complaint received 2019-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Order Number : XXXX Date : XX/XX/2019 Order Number : XXXX Date : XX/XX/2019 I have never consented to TransUnion charging my credit card. I had this issue last month when a charge showed up on my statement ; when I called, they told my that the false subscription was cancelled. I have been charged again this month, and nobody is giving me a direct answer on what's happening. I would like TransUnion to remove all my payment information and cancel any " false subscriptions ''. I would also like to be refunded for these seemingly illegal/fraudulent charges.
Consumer complaint received 2021-12-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (AZ)

I bought a furniture from XXXX XXXX in XXXX XXXX for {$2200.00} and Synchrony bank provided a financing option which was 0 % promotional for 24 months. We were provided instructions by the bank on how to setup the payment etc and we followed that. The website showed an option of automatic payment and we selected the option without realizing that those automatic payments were not " equal payments '' but rather " minimum payments ''. The website didnt give an option for " equal payments '' which most of the other finance companies in this domain do. 

Fast forward XXXX we realize that the bank charged us {$1300.00} in XXXX after the end of 24 months period. And when we tried to get the explanation we were told that we were charged interest from day 1 because we missed to complete our payments of {$2200.00} in 24 months. They explained their business model which relies on such missed payments beyond the promotional period. 

We want to complain about this business practice of Synchrony bank. They are intentionally scamming uneducated people by not providing equal payment options on their website. Further, they are charging an interest from Day 1 even though most of the payment was made in the 24 months. Any financial bank charges interest on left over amount whereas Synchrony is intentionally charging from Day 1 just because they wrote in a small font size terms and conditions on the letter provided.
Consumer complaint received 2021-12-29
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC. (AR)

The company is reporting negatively on my credit report. The company didn't fully disclose information about this alleged debt upon signing which makes the contract null and void. I want the items removed off my credit report. I do not give my consent to this company to report on my credit report. I have a right to privacy.
Consumer complaint received 2021-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I called Capital One Bank on XX/XX/2021. 
I spoke with with customer representative and told them I want to be removed from their email and mailing list. I told the customer representative I don't have an account and I don't want to have an account. I told the customer representative that that Capital One Bank is harassing me. I said they are sending me letters every two weeks ans they are emailing me constantly. The customer representative then asked me for my social security number. I told him no. I said I want to speak with your supervisor. I told the supervisor the same thing and informed him that the customer representative was asking for my social security number after I told him I want to be removed from the emailing and mailing list and that I don't have an account and I don't want an account. The supervisor told me he was checking to see if I had an account. I told the supervisor that's not what he said or did he even asked me if I had an account. The supervisor said he will transfer to their technical team. I told the technical person on the phone to stop sending me emails and mail that is asking me to join them. I told they sending me mail for about two months straight since the date of called every two weeks. I told in the letter they said they ran my credit and I quality for a loan. I told them I don't know how they got my information. I told them I haven't tried to get any loans so they shouldn't have my address or my email. I told them they keep emailing me and I asked them to stop. I was informed to do a removal of my information over the phone and I was asked do I have time now. I said yes. They said they did a removal but I am still getting mail. I am feeling harassed. I do not want to be apart of Capital One Bank. Can you please help to stop them for sending me mail and emails.
Consumer complaint received 2021-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (CA)

I received a credit card statement ( with an XXXX purchase ) for a card I never applied for - - an XXXX XXXX card from Macys. 
I never received any Macys American Express credit card, not even any notifications of any application or credit approval.
Consumer complaint received 2021-12-29
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I reviewed my 3 credit bureaus reports recently and noticed some unauthorized inquiries on my credit report. I called each individual company to report the inquiries as unauthorized. However, they are still listed on my report. These inquiries are inaccurate and unrecognized by me. I am requesting the immediate removal of all inquiries listed below by each credit bureau. 


Unknown Inquiries From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unknown Inquiries From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unknown Inquiries From XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One XXXX
Consumer complaint received 2021-12-29
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. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.
Consumer complaint received 2021-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

On XX/XX/XXXX I tried to log into my HSBC account only to see I was unable to log in and getting an error being told to contact customer service. Upon contacting them I was told something about the account being closed and I would need to call again today XX/XX/XXXX to see if they were closing my account. I have been unable to transfer my balance to a different account or do any transactions with my account causing missed payments on some accounts.
Consumer complaint received 2021-12-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNT AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2021-12-29
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNT AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2021-12-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CITIBANK, N.A. (LA)

An associate of mine stole my personal and banking info and opened up fraudulent accounts in my name. He took out a total of 5pay day loans within24 hours. And opened credit accounts without my knowledge.
Consumer complaint received 2021-12-29
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of ID theft. Beside these items. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2021-12-29
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of ID theft. Beside these items. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2020-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I submitted a written dispute to Equifax on XX/XX/XXXX. It was confirmed received on XX/XX/XXXX by Supervisor representative XXXX ID # XXXX on XX/XX/XXXX. 

As of XX/XX/XXXX, I have not received notification of my dispute results by electronic mail, USPS mail or otherwise. I called in to inquire about this on XX/XX/XXXX and spoke with 4 different representatives who all confirmed and acknowledged receipt of the dispute as XX/XX/XXXX.It was processed by their office on XXXX XXXX and according to their records all creditors validated the accounts as accurate all on the same day of XX/XX/XXXX, and they also mailed me a copy of the results on XX/XX/XXXX. It would appear highly unlikely that 11 account holders would respond on the same day and results would get mailed on the same day of response since it took almost 2 weeks for my dispute to get processed. Please note : I have not received a copy of that response and verified my mailing address as accurate. 

Even if this information is true, my dispute was confirmed received on XX/XX/XXXX. It has exceeded 30 days as required by FDCPA guidelines to respond to my written request for validation and therefore must be deleted. 

I called Equifax on XX/XX/XXXX and explained this to several representatives who all refused to have the disputes removed from my report. This is gross negligence and in complete violation of my personal rights. 

In addition, there is a Bankruptcy that is being inaccurately reported on my credit report from XX/XX/XXXX. I have reached out to Equifax on 3 different occasions to have it properly investigated and removed as it does not belong to me along with numerous accounts that are being reported as written off in bankruptcy. I'm being told that it has been verified through XXXX XXXX which a 3rd party used by the court system to verify this account. This is 100 % inaccurate as I have a letter from XXXX XXXX stating that my information is not reported by them to anyone. A copy of this letter has been supplied to Equifax and has gone completely ignored. I have attached a copy of this letter for your review. 

At this point my rights have been violated on several instances, I have spent hours on the phone with representatives who disregard are either uneducated on FDCPA guidelines or totally disregard them. I have provided evidence that the bankruptcy validation source is invalid and asked for them to provide me with a copy of the validation received and have denied access to my records.
Consumer complaint received 2021-12-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

I had wire fraud on XXXX for amount XXXX from Citi Bank. The Bank said that they cant help me return money. When I spoke on the phone with manager he told me that Citi Bank is not responsible for my money and that I can hire lawyer of my choice to sue the bank. I talk to people in the XXXX branch-no one was able to help me.
Consumer complaint received 2021-12-29
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)

Multiple requests for investigation into inaccurate reporting to an account listed on my Experian credit file. Experian did not investigate my dispute as promised. Instead, they returned my dispute as " verified '' with nothing being investigated. Experian has also prevented me from disputing this factual inaccurate account online! 

My credit report from Experian reflects a chargeoff for XX/XX/2019 for the account listed below, yet there is no other payment history leading up to this alleged chargeoff. 
There are no reported 30, 60, 90 or 120 day lates leading to the chargeoff that they have inserted into my file. 

I requested several investigations, demanding deletion due to inaccuracy. Experian returned investigations as " verified '' and " updated ''. 

How can a reported chargeoff with no payment history be verified as accurate? I redisputed payment status and Experian again, returned as verified with no proof. ( their " verified '' and " updated '' documents are attached with nothing to support their opinion that the account is verified as accurate ) Furnisher : XXXX XXXX Acct # XXXX... .. ( partial acct # ) Experian has repeatedly violated my rights by not properly investigating my disputes. 

They have stamped my disputes for this account as " verified '' without examining my report to determine its accuracy. Experian has stated that their " role is to review accuracy and completeness of any disputed item '', but they have ignored my disputes and instead, violated my rights. They have not reviewed my account for accuracy or completeness. 

I am demanding an immediate proper resolution.
Consumer complaint received 2022-02-19
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. (GA)

In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX  XXXX Credit Card with account # XXXX ), ( XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX {$2200.00} XXXX XXXX ), ( XXXX  with a balance of {$1100.00} ), ( XXXX XXXX ), ( XXXX with a balance of {$3000.00} 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 con
sumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-12-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Collection Services, Inc. (OK, TX) (AR)

The company states that I owe a debt. The account needs to be verified. I don't want a statement. I want my contract with this company for the alleged account with my wet signature and the company 's signature. I want the services that I had with this company, and I also want to know if this company is a third-party debt collector. I have already filed a complaint with the Attorney General and the FTC. Pursuant to 18 USC 8 & HJR 192 of 1933 it's the US obligation. The account has several different dates on my credit report, and they are also reporting to all three CRA 's and I want them to delete the account from my report. I DO NOT give my consent to this company to report anything on my credit report
Consumer complaint received 2021-12-29
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. (AR)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : ( LATE/OPEN ) XXXX  XXXX Balance : {$430.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$390.00}
Consumer complaint received 2022-02-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

I have not driven a car in XXXX months due to the unfortunate situation in life I was denied a vehicle loan from my bank XXXX. I have XXXX kids and I have a job so daily they need to go to school and I need to go to work, its a struggle. I asked for a used vehicle loan XXXX months ago to be honest I hate do not know why I was denied. If I can get any help if possible I would greatly appreciate it thank you!!!!
Consumer complaint received 2019-12-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NM)

On XX/XX/2019 I disputed an account on my credit report with a factual error with XXXX / XXXX XXXX which came back verified even when I have a letter from the creditor in dispute that I will attach to this dispute saying that the account is no longer with them, so then how did EXPERIAN verify this?????? EXPERIAN has failed to do a proper investigation. I demand that EXPERIAN provide the method of verification under section 611 of the FCRA or delete this account immediately