davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX PAYMENTS XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX DIRECT XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-02-09
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXXXXXX Balance : {$7800.00} ; XXXX XXXX XXXX  XXXX Balance : {$2800.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: Deutsche Bank (FL)

-- -- - Forwarded message -- -- -- -- -- Good morning my name is XXXX XXXX, I would like to file a complaint, please allow me to explain. I was to receive a wire transfer, I got me XXXX, Certificate of deposit and my receipt of the transfer, now the problem is your bank included a refund of XXXX and now since my documents shows for XXXX and not the XXXX, I am not able to get my inheritance and your bank will not fix this mistake they made. On XX/XX/2024, I sent XXXX as I was asked to do by your bank, only to receive another email stating that your bank will not fix this problem. I have all documents for the beginning. I was told to send the XXXX and I would receive my documents but yet again I was lied to. I asked for my funds back since they will not be used to correct the mistake your bank made but was told I would receive my XXXX back after I receive my funds. I WANT TO FILE A COMPLAINT AGAINST DEUTSCHE BANK XXXX!!!!!! I have all communication from beginning til now on this matter. This is just part of my documentation also have receipts of the money I have sent from the beginning. The attached email received helps to support what I am talking about as just the starting point of my complaint. If need be I will also contact our news station to tell my story and present all my documents to support how your bank will not honor their word and fue this mistake they made.. Your bank know putting that XXXX in would hurt me since my other documents state XXXX not XXXX. 

Thank you XXXX XXXX I do have all documents and receipts of the funds I have paid and what it was for with the responses from Deutshce Bank. 
Please can someone help e with this matter?

YXXXX XXXX : Search, Organize, Conquer Hide trimmed content XXXX XXXX : Search, Organize, Conquer Hide trimmed content
Consumer complaint received 2023-02-16
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. (WI)

I have tried disputing errors and asked for them to verify and send all of the information used to verify. They did not send the requested information. A few items were removed but most were not and the requested information was not received. Also, it took over 30 days for them to reply. They are not following the FCRA
Consumer complaint received 2024-05-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MN)

I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.
Consumer complaint received 2024-05-18
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: EQUIFAX, INC. (GA)

I previously had a {$25000.00} credit limit for a cash rewards credit card with XXXX XXXX XXXX XXXX. I unfortunately fell on hard times and XXXX XXXX  ended up closing the card and charging it off. 

I made a lump sum payment of {$500.00} and set up a payment plan in XXXX XXXX for $ XXXX to satisfy the charged off debt. 

I'm cleaning my credit up so in the midst of looking at my credit report from XXXX, Equifax and XXXX I noticed that XXXX XXXX reported the same exact account TWICE on my Equifax and XXXX report. 

One shows a balance of {$24000.00} last reported on XX/XX/XXXX and the other shows a balance of {$24000.00} last reported on XX/XX/XXXX. 

Both of these are technically inaccurate as I paid them a {$500.00} payment in XXXX XXXX, but the balance reported in XXXX XXXX is {$24000.00} instead of the accurate balance which is {$24000.00}. 

I did not have XXXX different accounts with the same credit limit. I only had XXXX cash rewards account with them so it should not appear on my Equifax and XXXX report twice. That is inaccurate information and it's having an adverse effect on my credit report by showing I owe more debt than I actually do. 

I've tried calling their collections department to see if they can fix it, I've messaged XXXX XXXX XXXX XXXX via their internal messaging system as well as disputing it through XXXX with no results. I'm not able to dispute it through Equifax yet or else I would. 

I'm asking that XXXX XXXX XXXX XXXX please remove the duplicate reported accounts on my credit report and fix the actual reporting inaccuracy.
Consumer complaint received 2023-02-08
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 (NC)

Capital one took advantage of my low credit score and is charging me XXXX  % interest rate on a used car. My payment are way to high and i fell behind and its now reporting as a charge off to credit bureau but i still own the car
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I received a copy of my credit report and found some information to be incorrect. 

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 

Please apply these laws in regard to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Consumer complaint received 2024-05-09
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FORD MOTOR CREDIT CO. (VA)

Subject : Complaint Regarding Ford Motor Credit Violating FCRA Rights Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against Ford Motor Credit regarding multiple discrepancies in the reporting of my payment history on my credit file. These discrepancies have violated my rights under the Fair Credit Reporting Act ( FCRA ) 15 USC 18681 e ( b ), and I seek your assistance in resolving this matter.

Over the past several months, I have filed multiple disputes with the credit bureaus regarding the inaccurate reporting of late payments on my credit file by Ford Motor Credit. Despite my efforts to rectify this issue, it persists, and I believe it is imperative for the CFPB to intervene.

Specifically, I request that Ford Motor Credit obtain a copy of my credit report and conduct a thorough review of the payment history associated with my account. I am particularly concerned about the missing payment history for the first four months of my loan and the inconsistent reporting of late payments, such as the discrepancy between XX/XX/2017 being reported as on time despite evidence suggesting otherwise. 
Furthermore, I firmly believe that the inaccurate reporting of my payment history by Ford Motor Credit has adversely affected my credit score and financial standing. As a consumer, I have the right to accurate and fair reporting of my credit information, and the ongoing discrepancies in the reporting of my account are unacceptable. 
Therefore, I respectfully request that Ford Motor Credit take immediate action to rectify these issues by deleting and removing the inaccurate account from my credit file. This action is necessary to restore the integrity of my credit report and protect my rights as a consumer.

Thank you for your attention to this matter. I trust that the CFPB will investigate this complaint thoroughly and ensure that appropriate measures are taken to address the violations of my rights by Ford Motor Credit. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I opened this card XX/XX/XXXX to take advantage of a XXXX XXXX  balance transfer option. I tried to do that last week, but it was " not a valid option ''. I called customer service and was told it would take XXXX  days on new accounts and that I would be able to do that today ( XX/XX/XXXX ). I tried again today, same response. I called twice today and spoke with XXXX different supervisors ( XXXX and XXXX XXXX and was told it was. " a known issue '' on their end and that they could not tell me when, or if, it would be resolved. I asked if it was a computer system problem and was told repeatedly that it was a " known issue ''. I asked what they had in place to ensure my complaint was specifically initiated for my account and was told, " it was submitted ". I was told there is no email for customers to inquire and that they " work at home '' and can't email customers with updates. It is extremely frustrating not to be able to follow up. I opened this card for the sole purpose of taking advantage if the XXXX XXXX balance transfer feature. All I get from the supervisors is that this is a " known issue '' that they are updated on and that I have no recourse to speak to anyone else. I hope you can provide some assistance.
Consumer complaint received 2023-02-16
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$160.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$59.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$76.00} ; XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance XXXX {$680.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX XXXX ( Original Creditor : ) XXXX Balance : {$84.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX FIN XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica (OR)

So XXXX wanting to file a UDAAP complaint due to me ordering a card under certain provisions that it was going to be a replacement card for broken card and that it would come with the same identical card number just a new expiration date I ordered this on until XXXX of XXXX right before my bills were coming out of my direct express card and I am a recipient of SSI supplemental security income. And so I confirmed that I was ordering a replacement card for a broken card or damage card and I confirm that and then I got an email a few minutes later that said that they had in fact blocked my card and I was being issued a new one with the new number and so all my bills that I had coming up in 2 days had nowhere to take money out of. As a result I incurred {$190.00} and some change for late fees and subscription bounced payments failed of payment attempts etc. Unfortunately US direct Express does not allow for screenshots on their website so I was unable to get any screenshots for verification but the complaint type wanting to file is against US direct Express or direct Express is what they're called and then the card issuers for them are Comerica Bank. According to what I was informed I was informed what is listed below : The bank would be liable for the damages incurred due to their mistake in changing the type of card without proper notice. It is the bank 's responsibility to ensure clear and accurate communication with their customers, and any miscommunication or errors on their part can result in financial losses or inconvenience to the customer. If you've been affected by the bank 's actions, you may consider reaching out to their customer support or a higher authority such as a consumer protection agency to seek compensation for the damages. 

And to further the complication of this whole situation I got a hold of Comerica who is the corp for US direct Express and the person from the division for escalation reached out to me and she told me that this option that they have on the direct Express app is known about they know about that problem and that direct express just doesn't have a way to honor that option so like there's other people that have been going through it too as well and it's caused me a lot of heartache and a lot of setbacks and everything else. 

So to summarize this is my official complaint is that : the bank promised to reissue a card with the same original card number and then changed the card number without proper notice or consent, it could be considered a UDAAP violation Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) regulations. UDAAP regulations prohibit financial institutions from engaging in practices that are unfair, deceptive, or abusive to consumers.
Consumer complaint received 2023-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Avant Holding Company, Inc. (CA)

On XX/XX/2023, I contacted the company to close the account following the " Support '' link on their homepage. I received a follow-up email from their support representation, XXXX, XXXX XX/XX/2023 at XXXX ( PST ) in which he described the requirement to simply respond with " I agree ''. 

When I posed a simple follow-up question about the terms of closing the account, I received multiple responses that indicated I must call the company. I then responded with " I agree '' - 100 % fulfilling their requirements to close out the account. 

Customer support continued to harass me by requiring a phone call to close the account. The company is therefore not following their own policies and procedures for account closures. This is simply harassment caused by me questioning the prorating or elimination of the yearly charge- for NEXT year ( starting in XXXX period. )
Consumer complaint received 2023-03-23
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. (WI)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-16
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXXXXXX Balance : {$8400.00} ; XXXXXXXX XXXX  XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX ON XX/XX/XXXX.