davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (AP)

This is in reference to complain ID XXXX which has been closed without customer satisfaction. Discover credit card stated they would re-open/re-instate my account after I paid personal fund to find a notary while XXXX. I traveled back to Hawaii from XXXX to find a notary to meet Discovers demand for identity verification, after the IRS had already confirmed my identity. This trip costs over a XXXX dollars for me to fly back and find a notary for Discover. I paid a notary to notarize the requested identity verification forms, showing my passport, drivers license, and military ID. Discover verified that they received the form but stated they kept my account closed due to their failure to contact the notary. Their failure is not my fault, yet I am being punished for their failure to contact a civilian notary in the XXXX. The day after notarizing their document and completing their requirement, I returned to XXXX. No one contacted me after that. I remain XXXX at this time and still unable to utilize my Discover card that I am currently paying on time every month. This is a violation of the Servicemembers Civil Relief Act ( SCRA ) as military members do not have access to certain services such as notary services and/or using a phone when XXXX. I was told by Discover that I needed to just find a phone while XXXX. Thats not how it works on XXXX on ship or shore overseas.
Consumer complaint received 2023-02-21
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: Bread Financial Holdings, Inc. (FL)

In accordance the the fair credit reporting act 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 XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-17
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. (MD)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to my credit report, which I recently obtained and noticed several errors that require your immediate attention. 

Firstly, the previous addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, both located in XXXX, MD XXXX, do not belong to me. I request that you remove these addresses from my credit report as soon as possible. 

Secondly, the employer listed under my account number as US Dept of Education and US Department of are incorrect. I do not work for either of these organizations and request that you delete them immediately from my report. 

Thirdly, I noticed that the account number XXXXXXXX XXXX XXXX XXXX has been reported as updated when nothing has been changed. I urge you to remove the incorrect late payments from this account as soon as possible. 

Fourthly, the account number XXXX XXXX XXXX XXXXXXXX does not belong to me, and I request that you remove this inaccurate information from my credit report immediately. 

Fifthly, the name listed under my account number as XXXX XXXX XXXX belongs to someone else. I request that you delete this name from my report immediately. 

Sixthly, the previous address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX is listed twice under different account numbers. This address does not belong to me, and I request that you remove it from my credit report immediately. 

Seventhly, the inquiry from XXXX on XX/XX/XXXX has reached the statute of limitation, and I request that you remove this inquiry from my credit report. 

Finally, the account number XXXXXXXX XXXX XXXX XXXX XXXX has been reported as updated when nothing has been changed. I urge you to remove the incorrect late payments from this account as soon as possible. 

I appreciate your attention to these errors and request that you take the necessary actions to correct my credit report as soon as possible. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-15
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: Continental Finance Company, LLC (FL)

I am writing regarding a banking matter concerning a Credit Card Bank failure to refund money from a transaction where a product was purchased and returned to XXXX XXXX. ( See Attachments # XXXX ) As you can see Verve Credit Card Statement, Closing Date XX/XX/XXXX ( See Attachment # XXXX ) Verve acknowledged the refund and credited my account for {$540.00}. 

Verve issued a check to me dated XX/XX/XXXX, which I attempted a mobile deposit for {$540.00} via XXXX XXXX XXXX XXXX on XX/XX/XXXX. Unfortunately, the mobile deposit was rejected, and the money was withdrawn from my account on XX/XX/XXXX. The transactions can be seen in the screenshots from XXXX XXXX XXXX XXXX website, including the {$21.00} Check Chargeback Fee. ( See Attachment # 3 ) I was told that type of check had to be deposited in person, so I attempted to physically deposit the check for {$540.00} at XXXX XXXX XXXX. You can see in XXXX XXXX XXXX  research the check was Returned Unpaid and included a {$12.00} Returned Item Fee. ( Attachment # 4 ) I have never received any money from Verve as a refund. Over the past year I have attempted to resolve this matter via telephone and the US Mail, and they have records to prove what Im saying is true. My most recent interaction was with XXXX XXXX, Customer Experience Support Analyst, XXXX XXXX XXXX XXXX. She essentially asked for items I had already provided, and she stalled hoping Id go away. But Im not going away until I receive payment of the refund. 

I have never received the payment I am owed by this criminal operation. They have withheld money I could have earned interest on, cost me {$33.00} Returned Check Fees, cost me time and money mailing evidential documentation, and untold hours of time trying to prove I never received the money. I know it would be a simple thing for them to see if that check was cashed. I can see when my checks clear. 

Please help me receive my refund from this unreputable bank, and to pressure them into obtaining a reliable accounting system, and hiring reputable employees capable of assisting honest customers.
Consumer complaint received 2023-08-15
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: Maximus Federal Services, Inc. (AL)

I submitted disputes for student loan accounts that are reported on my credit report, but were discharged due to fraud by the school. The student loans are federal student loans that were discharged. All of these disputes went over the 30 days from time of receipt and I can also provide a screen shot of delivery from XXXX of when the letters were delivered. I am also including aidvantage in this due to the information not being removed from my credit report per documentation from them and also from studentaid.gov
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I have not supplied proof under the doctrine of estoopper by silence, XXXX v XXXX ( mo ) XXXX XXXX XXXX XXXX presume that no proof of the alleged debt, nor therefore any such debt, im fact therefore exists. 

XXXX  XXXX BANKRUPTCY XX/XX/XXXX XXXX XXXX  XX/XX/XXXX {$2000.00} DEPT OF ED/XXXX XX/XX/XXXX {$4000.00} DEPT OF ED/XXXX  XX/XX/XXXX {$3200.00} DEPT OF EDXXXX XX/XX/XXXX {$6000.00} DEPT OF ED/XXXX  XX/XX/XXXX {$3900.00} DEPT OF EDXXXX XX/XX/XXXX {$3500.00} DEPT OF ED/XXXX  XX/XX/XXXX {$1400.00} DEPT OF EDXXXX XX/XX/XXXX {$3200.00} DEPT OF ED/XXXX  XX/XX/XXXX {$3500.00} DEPT OF EDXXXX {$3800.00} DEPT OF ED/XXXX  XX/XX/XXXX {$1200.00} DEPT OF EDXXXX XX/XX/XXXX {$5500.00} XXXX XX/XX/XXXX {$67000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$26000.00}
Consumer complaint received 2023-02-21
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX CARD XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-02-25
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. (NY)

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. 

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, 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 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 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (PA)

In XXXX of XXXX Discover card closed my account because of a payment returning NSF... ( 6 years ago ) I have reapplied numerous times and was denied even though I qualify credit wise. Still to this date I don't no why they closed my account, I never paid late, yes I had a payment returned but immediately after getting notified I paid all fees and the bill associated. They closed my account in XXXX with me owing a zero balance. In XXXX of XXXX this year the sent me a check in the amount of XXXX from this closed account, I was suppose to receive this payment years ago. The sent me only with they owed and not with any interest they have made off it... This is not right how do you hold money from a closed account for over 6 years and then pay it... Also I was informed that I could re apply for an account but they keep denying me saying because of past account obligations. So I guess it okay from the XXXX over their customers and withhold money for years and profit off of them.
Consumer complaint received 2017-05-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc. (MI)

My lease started on  XXXX   XXXX  and it was supposed to end on  XXXX   XXXX  bu t GM Financial took me to collections o n  XXXX   XXXX  and my lease was only 10 days past due. I am the only person with an account with them that has been taken to collections and I was only 10 days past due not 40 days late they also extended my contract they state my next payment is due  XXXX  and I only had a 24 month lease contract.Is that legal I have signed documents stating when my contracts begin and end.
Consumer complaint received 2024-06-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/XXXX, Chase unexpectedly closed my checking and savings accounts without providing a clear explanation. At that time, I was informed that refunds from both accounts would be processed within 10 days, and I should receive the funds within 30 days. Today is XX/XX/XXXX, and despite two months having passed, I have received no communication or updates regarding my refunds. 

As an international student studying in the United States, this situation has caused me significant distress. I have had to borrow money from friends to cover my rent and other essential expenses, as I rely heavily on the funds that were in my Chase accounts. The prolonged delay in receiving my money is placing an immense financial burden on my family, who are already struggling to support my education. In fact, they are considering selling our house to ensure I can continue my studies. 

Additionally, due to not having access to my funds, I have been incurring increasing interest fees on my credit cards every month. The financial strain and uncertainty are severely impacting my mental health, causing my anxiety to rise with each passing day. 

The sudden closure of my accounts and the missing refunds have severely disrupted my plans. I had budgeted for various academic and personal expenses, including purchasing textbooks, paying for essential utilities, and participating in academic activities that require fees. Without access to my funds, I have been forced to drastically cut back on daily expenses, often limiting myself to minimal amounts just to keep alive. This is not only affecting my physical well-being but also my ability to focus on my studies and participate fully in campus life. 

Furthermore, the financial instability is making it difficult for me to make long-term plans. I am unable to commit to necessary academic programs, internships, or even consider travel plans to visit my family, which adds to the emotional strain of being far from home. 

I am seeking your assistance in resolving this matter promptly. I have attempted to contact Chase multiple times, but I have not received any satisfactory responses. I am extremely concerned about the lack of transparency and the undue delay in processing my refunds. 

I would greatly appreciate it if the CFPB could intervene and help expedite the resolution of this issue. I am requesting a thorough investigation into why my accounts were closed without a clear reason and why the promised refunds have not been processed within the specified timeframe.
Consumer complaint received 2021-07-07
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: WELLS FARGO & COMPANY (PA)

On or around XX/XX/XXXX I noticed Wells Fargo was on my credit report I know thats account was cleared however XXXX  and XXXX  has it as a derogatory account. It took me three days to dig up this exhibit # 1 to prove wells fargonis full of XXXX and have committed fraud by falsely reporting inaccurate information. Attached you will see a refund the account was closed XX/XX/XXXX and yet its till being reporting why? Because Wells Fargo is a fraud and they do crooked XXXX to original creditors/consumers. 
The law states that and communication means conveying information regarding debt directly or indirectly to any person through any medium wells fargo is in violation of 15 usc 1692a also in violation of 15 usc 1692 c because I sent a cease and desist. Im addition I was violated because they submitted inaccurate information misleading information under the law 15 usc 1692e and 15 usc 1692f unfair practices you ruined my reputation by reporting inaccurate information for 2 years Whats XXXX me off is that Wells Fargo would have gotten away with fraud if I didnt find this document so Im demanding this be removed immediately XXXX  and XXXX  did no investigation when I spoke to a representative they told me it was correct no results from the dispute I submitted its a joke they have also violated my consumer rights they did not address my concerns I had to dig deep for three days to find proof and submit exhibits they do a half XXXX XXXX no investigation and if they did and investigation show me proofed XXXX you found follow the law laws listed above this needs to be removed immediately
Consumer complaint received 2023-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have a capitalize card in XX/XX/2023 I was informed that someone made a payment on my account. And I need to send a statement from that bank. I dont know who sent the payment and I dont even the name of the bank so they put a restriction on my account till I send the statement. Then they started adding late fees. Because I didn't send a payment on account I can't use.
Consumer complaint received 2023-04-05
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. (TN)

I am requesting a proper re-investigation of the following accounts that have been reported back to my credit profile as verified. XXXX XXXX, XXXX, XXXX XXXX, and XXXX. There are STILL accounts that are closed but open on another reporting agency. There are STILL accounts with 100 % payment history that have been confirmed to be true in favor of the collection company. My FCRA rights as a U.S citizen are STILL being blatantly violated and I am requesting that you do due diligence this time around. There was NO real investigation done, only a half-done one in which the reporting agency sided with the collector because of their business transactions I am assuming. Attached to my documents are excerpts from the FCRA bill that explains how and why I am entitled to a fair investigation and why items should be removed if they are not properly investigated and found to be 100 % accurate. 
PLEASE PROVIDE INFORMATION ON HOW YOU VERIFIED THESE ACCOUNTS! 

[ 15 U.S.C. 1681 ] states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; [ 15 U.S.C. 1681 ] states Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2017-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP (MO)

I have been doing business with this particular credit card for the last 10 years under our company name.
We have made excellent payments to this company- from full payments to the credit card to consistent payments for the last 10 years - our interest rate was 12.9 % Since 2016 we have struggled with our business and we have seen our credit suffer - although we have maintained making payments to the credit - The credit card company started raising interest rates without noticed - from 12.9 % to 15.99 % interest and finally to 21.9 interest - practically double the amount of interest - I did not catch the interest hikes.
Their explanation was since our credit has deteriorated thus the interest - hikes causing us to pay that much more in interest payments.