davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2023 got an offer in the mail for a pre-approval from capital one, when I went online and filled everything out it was an error in the system that caused the page to go down. When I called in to try to get same offer the original offer was tweaked and different from in mail. I explained that to customer service on XX/XX/2023 and I was hung up on but before that I was called XXXX and told I'll never have a good credit score in life
Consumer complaint received 2019-12-09
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: EQUIFAX, INC. (SC)

I have disputed a collection on my credit reports with all three CRAs. I stated that the amount charged was not known to me, and requested information as to why the original amount was owed. 

XXXX  has done their investigation, and determined that the information provided by the creditor did not provide adequate explanation as to how/why the account is being collected. 

Equifax, however, has claimed that the same information is " verified '' from the creditor, but will not supply me with any other information. The extent of their investigation, by their own account, is to simply ask the creditor if the account can be verified. If the creditor, simply states that they can verify the account, then the investigation is over. They do not ask for nor receive any other information documenting the creditor 's. 

It is my understanding under the FCRA that once a dispute is initiated to a CRA, then it is the CRA 's responsibility under law to investigate the account. To simply ask the creditor under investigation a yes or no question, and take their word for it, is not an investigation. I was told that there was nothing else they do, and to contact the creditor myself, and request them to close the account. If they agree, then I was to request the creditor to notify Equifax. I am totally relying on the creditor 's honesty in this case. They can tell Equifax whatever they want, meanwhile they actually had to provide the evidence to XXXX, which they were unable to do resulting in the removal of the item from my credit report. To ignore the plea from a consumer to help them investigate information they are furnishing in the first place is unethical and I believe it is a clear violation of the industry standards set forth in the FCRA.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$260.00}
Consumer complaint received 2019-12-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (MD)

I received an offer from Citi where I would get a $XXXX bonus and an extra 0.5% cash back on my credit card for opening a checking account.I opened the checking account but did not fund it at that time because I didn’t have a check from the XXXX XXXX XXXX where the funds would come from.I logged onto Citi.com and didn’t see my new checking account listed. So the next day I opened another checking account and funded that checking account. I didn’t understand why but it forced me to also open a savings account. So I opened the savings account with $XXXX.I was in the middle of making some big purchases for my new house so I wanted to know when the extra 0.5% would start. I spent far too much time on the phone before I was told that I didn’t qualify because I had not put the $XXXX into the proper checking account. I tried to explain that I made a good faith effort to do as they requested but it didn’t seem to make any difference.I then closed the 2nd checking account and the savings account and requested a check. After receiving the check and depositing it back into my XXXX XXXX  account. I then transferred the money into the first checking account. Within a day or two, I got an email saying everything was set up properly and the extra 0.5% would start on the credit card.It had taken far too long but I figured everything was properly set up and everything was fine. By this time, I had already soured on Citi but decided to not do anything at that time.I was surprised to find an envelope from Citi in the mail on Saturday with the check for $XXXX  saying they had closed my account. I called Citi this morning and they stated they had the right to close my account and there was nothing to be done.So, after all this time, I first started to transfer the $XXXX to Citi on XXXX XXXX and won’t have access the funds they sent me until XXXX XXXX, I appear to have nothing. Citi still must want me as a customer because I still get offers for various credit cards from them.I know I did whatever was necessary to get the $XXXX and the 0.5% on the credit card and I am surprised that Citi is able to avoid giving me my bonuses. It might be legal but it sure seems immoral to me.What if anything should I do to prevent Citi from treating other customers as badly as they treated me.
Consumer complaint received 2023-01-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CO)

I first contacted XXXX XXXX company regarding my move and asked if they could turn off Gas at the address XXXX XXXX XXXX XXXX, XXXX, PA XXXX as I moved out XX/XX/XXXX. The company responded that they could not do anything as there was human life in the house, that the current residents had to call and switch the gas bill to their name. I was under the impression that the current residents had did such thing because I did not receive any notice of payment needed. XX/XX/XXXX I received a report on my credit report. I called the company stating that I did not stay at XXXX XXXX XXXX XXXX, XXXX, PA XXXX during the time from XX/XX/XXXX to XX/XX/XXXX. I also stated that I called asked for them to take the gas out of my name and they refused to do so as it was human life in the resident. I do not feel liable for any expenses accrued after XX/XX/XXXX as I no longer stayed at the property past that time and also informed them the company that I no longer resided at the address XXXX XXXX XXXX XXXX, XXXX, PA XXXX please remove all credit and financial obligations as I did not reside and informed them that I did not live at the property.
Consumer complaint received 2023-05-23
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. 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 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 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 crime 's 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 2023-05-23
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. (NV)

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 account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the listed account. 
XXXX XXXX XXXX : {$890.00}.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TN)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2019-12-09
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC (TX)

At XXXX on XX/XX/2019 I received a phone call from Radius Global Solutions. The number they called from was XXXX. They have called before and have been told if they would not tell me what this debt was about to quit calling me. I have repeatedly identified myself as the person they were trying to reach but they would not tell me what the debt was in reference to without verifying the address. I identified myself as the person they were trying to reach I am not giving out any other information till I am told what it is in reference to. When I tried to pull up the companies website of www.radiusgs.com it gives you a warning that it is not a secure site and that someone might be trying to steal information.
Consumer complaint received 2024-03-26
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2023-05-09
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (CA)

XX/XX/2023 Dear Sir or madam : This last week I was overcharged on my Direct Express Card to the tune of about XXXX dollars while renting a motel, foolishly I did not seek a receipt upon renting the room ; there could be no reason to have had this happen because the rent for the room is only XXXX dollars a night ; twice out of the 5 days that I stayed at the hotel I was charged over XXXX dollars a night ; on the XXXX and the XXXX of XXXX, a XXXX dollar charge on the XXXX and a XXXX dollar charge on the XXXX ; I have had this problem of overcharges with this XXXX XXXX XXXX Direct Express company many times in the past and frankly I believe this company to be an criminal acting menace to the society with many methods of making the complaint and verification process so utterly despicable and unfriendly that there is no hope of remedying their overcharges other than attempting to get government action against them. 
Could you please help me to recover this money? I don't know what else to do about this lousy company and its practices of fraud. 

Its no wonder inflation is so high. 

Respectably XXXX XXXX
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 2019-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Uplift, Inc (MD)

I have been trying to get several errors fixed on this account for 6 months and it's been horrible. First, they my balance kept reflecting {$760.00} dollars even though it was paid In XXXX of this year. Now they made ANOTHER ERROR and my payment history was changed on XXXX to missing 2 payments in XXXX and XXXX of this year, while the actual late payment from XX/XX/XXXX was removed. I WAS NOT LATE. I was in a hard ship program that Uplift offered and credit reporting was postponed. The payment was due by XX/XX/XXXX which it was, hence why my payment history was accurate until someone made a HUGE MISTAKE! I called today and spoke to a rep who indicated the whole financial team who reports and call center were new and she never knew they had it because it's no longer offered. It doesnt matter if it's no longer offered because at the time, I was in it. All the emails are attached to this complaint and CAN BE SEEN IN THE SYSTEM AS WELL AT THE COMPANY THAT CLEARY SHOW I WHAT I SAID was accurate. She has no idea why this happened and told me I must dispute it and show proof that it is reflecting wrong. This is horrendous. I shouldnt have to constantly call and file disputes for someone not doing their job in a sufficient manner.
Consumer complaint received 2023-02-10
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. (CA)

XXXX XXXX XXXX Acct # XXXX by XXXX XXXX XXXX ending in XXXX I have been contacted hundreds time illegally for the attempted collection of debt by XXXX XXXX XXXX they have no authority to recover debts in the state California by law 20 U.S.C 1234e I demand a cease and desist against XXXX XXXX XXXX also under 15 U.S.C 1681 Section 604A I have a right to privacy and with my credit report being with a third party agency my consumer credit rights have been violated again. I demand this error be deleted immediately
Consumer complaint received 2019-12-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (AL)

XX/XX/19 received a bill for {$880.00} from IC System for a XXXX account delinquent bill that was in my name. I contacted XXXX, filled out a fraudulent packet, mailed it on XX/XX/19, with a tracking #, which they received on XX/XX/19. Never heard from them. Called XXXX on XX/XX/19 to confirm my packet was received and complete. The lady confirmed it was and that it would be 30 days before I would hear from them. Never heard from anyone. XX/XX/19 received a letter stating the fraud packet was incomplete. XX/XX/19 called XXXX to find out why the packet was incomplete. He didnt not know but assured me I would hear from them within two days. Never heard from him. XX/XX/19 received another bill from iC Systems for {$880.00}. XX/XX/19 called XXXX. He said The packet has not been located. In this packet I was informed I had to send my social security number along with other proof Id identification. He told me to fill out another fraud packet. This is unacceptable, and I want this resolved.
Consumer complaint received 2019-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

InFebrurary2019IwaslookingtopurchaseatruckandIgotapreapprovalfromXXXXXXXX-thetruckthatIwantedwasatXXXXbuttheywouldnotacceptXXXXXXXX'approvalandstatedthattheywouldgivemeabetterinterestratesomycreditreportwashitwith15inquiries.GotanapprovalandfinanceditthroughXXXX.IwashavingtomanyissueswiththedescrepancyofmynameandtheinterestratesthatwasagreeduponandtryingtogetthevehicleregisteredbecauseXXXXhadsomeoneelse'snameontheregistrationandittookthemalmost4monthstostraightenthatout.IdecidedtogoaheadandpayoffthevehicleinXX/XX/2019intheamountof{$28000.00}.OnXX/XX/2019IreceivedaletterfromXXXXXXXXXXXXXXXXstatingthattherewasforceautoinsuranceputonfromXX/XX/2019-XX/XX/2019.OntopofthatXXXXthensendsmepayoffnotificationonXX/XX/2019thatIstilloweabalanceof{$170.00}whichIpaidimmediatelyonXX/XX/2019withconfirmation#XXXX.

DespitethenightmareIwentthroughwithpurchasingthisvehicleIamintheprocessofpurchasingahomeandmycreditreportisshowinga60daylatepaymentstatuswitha3creditbureausforXX/XX/2019.

WhenItriedtoaddressthisissuewithXXXXnooneseemstobeabletogivemeananswerorrectifythisissue.The3creditbureaussaidthatIhadtocallXXXX.
Consumer complaint received 2023-05-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc. (WA)

CPC - They have been sending me sketchy text and emails trying to get me to open links no information with it. I did not feel comfortable with that. I asked him to please mail me a statement they have not. I also never consented to them texting or emailing me. 
I have no idea who they are or what theyre collecting for. 

Then they started calling me, I would answer and no one would say anything then they would hang up. 

I got a call on XX/XX/XXXX XXXX they finally had someone speak back to me, they wanted personal information in order to speak to me. I refused I asked they send me a statement regarding what it is that theyre collecting on. She said that they did however, I have not received anything. I asked him to resend it to me. She said that they do not resend statements. She was very rude and persistent on having me share personal information it would not tell me what she was collecting on. 

XXXX is the email they used.
Consumer complaint received 2023-05-24
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. (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 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : 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 an 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 2023-07-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc. (NY)

I received a prepaid online giftcard from Myprepaidcenter and the card expired in XX/XX/2023. I called to ask the company for a new card and my request was denied. I am now unable to use my funds and the company has pocketed my cash.
Consumer complaint received 2019-08-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Account Recovery Services, Inc. (AZ)

I have made the attempt to have " ARS '' Account Recovery Services Inc. Validate the alleged debt that they say I owe. 

They are in clear violation of the F.C.R.A., and F.D.C.P. title title 1692 -1692p of the United States Code FDCP tile 809 and the 1974 privacy sec 552A.. This is not a refusal to pay but a demand to validate the debt.
Consumer complaint received 2019-12-09
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I called on XX/XX/XXXX to get my remaining balance of {$520.00} left from a prepaid debit card for child support from XXXX State. They said a check would be sent within 15 days. I called again on XX/XX/XXXX and was told it had only been 14 days and to call again if it didn't show up the following day ( XX/XX/XXXX ). 
The chack had not come by XX/XX/XXXX and I called again and was told the check was never sent the first time, but would be sent this time. I waited another 15 business days and no check came. I next contacted the XXXX State Attorney 's General office and filed a complaint. Bank of America had a collections agent call me to acknowledge the complaint on XX/XX/XXXX. They were then required to contact me again by the XXXX. He called and left a voicemail and I returned the call within 5min and left a message. I called again at XXXX that day and again at XXXX and XXXX the following day and again to following Monday ( XXXX XXXX, 2019 ). Each time the call went to voicemail and my calls were not returned. In addition to the balance, I would like a list of any fees that have been charged.
Consumer complaint received 2024-03-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (NY)

-Purchased a new XXXX XXXX from XXXX XXXX in XXXX , CT XX/XX/XXXX. 
-Dealer told me to get lowest interest rate I had to purchase a service contract {$1900.00} which I did. 
-I later found that according to the service contract, purchasing a service package should not be required to get the lowest rate loan. 
-I filled out the paperwork from XXXX XXXX XXXX to cancel the contract. They stated my request was completed on XX/XX/XXXX and stated it was sent to the dealer for them to remove the charge from the bank loan. It was supposed to happen in 6-8 weeks. It is now XX/XX/XXXX and it has still not been removed. 
-I contacted the dealer last week and no response. I left a XXXX review. No response. 
-The balance is still not removed from my loan and I am paying interest on it.