davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-07
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

In XX/XX/XXXX, I received a {$25.00} " Birthday Reward '' voucher from Capital One/ XXXX XXXX, good for {$25.00} off purchases made by XXXX XXXX, XXXX. 

I made two purchases totaling {$37.00} by XXXX XXXX, XXXX. 

I called Capital One for an hour in XX/XX/XXXX and was handed from one department to another, finally winding up in XXXX, XXXX. No resolution. I closed my account that day, effective immediately. 

On XXXX XXXX, XXXX, I wrote a dispute letter to Capital One ( a post office box in XXXX XXXX XXXX ). Through XX/XX/XXXX, I've received no response. 

On XXXX XXXX, XXXX, I scheduled a {$12.00} payment to Capital One for a XXXX XXXX, XXXX due date, representing {$37.00} minus the {$25.00} offer the two parties failed to honor. 

On XXXX XXXX, XXXX, Capital One charged me a {$29.00} " past due fee '' ( the {$12.00} payment on XXXX XXXX, XXXX did not meet Capital One 's minimum ) plus {$0.00} in interest. 

XXXX  ( XX/XX/XXXX ) I spent more than XXXX minutes being bounced from the XXXX to the XXXX by Capital One, before finally being sent to a XXXX help line, which wasn't helpful. It was apparent, the customer service representative just wanted to bounce me to another desk, not resolve the dispute. 

Not would anyone today even acknowledge receipt of my XXXX XXXX, XXXX letter of dispute. 

This was consumer misrepresentation. Capital One/XXXX XXXX sent an offer that they failed to honor.
Consumer complaint received 2023-03-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (FL)

I refinanced my mortgage XX/XX/2021 and I was supposed to receive 3 checks totaling {$5300.00} but for the past year I have been calling Cardinal to check on the status of the checks and I was told numerous times that the checks are " on the way '' but have not received anything thus far. 
At this point I feel that I am in titled to the checks plus compensation for the misleading information told repeatedly by customer service representatives.
Consumer complaint received 2022-05-23
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)

I sent a letter off on XX/XX/2022. Here 's my tracking number XXXX. To remove personal information that I don't not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution isn't suppose to share my information to third party people. 

These are clear violations of my federally consumer rights.
Consumer complaint received 2023-02-28
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: CLGF Holdco 1, LLC (NY)

I received a credit card bill from Indigo by mail at home It was addressed to my correct name at my correct home address. 
I never applied for the card. 
It showed a fee due ( {$76.00} ) but no purchases. 
I called the number on the invoice and was transferred to their fraud prevention department. 
They said they would freeze the account, drop the charge, and they asked me to file a complaint at www.identitytheft.gov, then send them the affidavit I would get as part of the process, at which time they would close the account.
Consumer complaint received 2019-08-08
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. (CO)

XXXX ; Experian and XXXX  are reporting incorrectly a collection in the amount of {$3000.00} on XXXX XXXX XXXX  partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account was settled and paid in full on XX/XX/2016. ( Please see the attached letter dated XX/XX/2016 from XXXX XXXX XXXX , XXXX. ) This incorrect reporting of a collection is harming my credit score and these line items need to be deleted from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2023-10-31
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. (WA)

On XX/XX/2023 I asked the credit bureaus to remove all these negative items off my report they would not. They said there is no way to delete them off my record. These debts are not mine and have had a very negative impact on my life. I can't live a normal life I even believe that the bureaus leaked my personal information, for accounts to be opened as act of fraud on my account. They even allowed my personal private information to be reported without my consent. I have addresses that are wrong. So, these things have made more negativity in my life because I can't even buy anything because all these company decline my access to my unlimited credit. none of these debts have even been Valid and they also have been sold over and over again. All three credit bureaus also are even reporting different information 's. UCC 9-506 Seriously misleading. All negative items need to be removed. 15 U.S Code 1611 Identity fraud.
Consumer complaint received 2023-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have been a victim of fraud through my credit card at Bank of America numerous times. I usually get the notification of the bill weeks and months after the transaction is made. I was recently targeted again for a total of almost {$1000.00}. I filed a dispute with the bank and they determined that I made the transaction when I in fact did not. I then request an in-person appointment with the bank where they directly told me that there was proof against me that proved that I did the transaction. A letter said that the person that did the transaction used my identity to process the transaction. However, during my appointment, the representative of the bank could not provide a single piece of evidence to prove that I did the transaction. All the representative said was that they can not find the evidence on file, but they are sure that there is. The bank said I will be required to pay for my credit debt unless a file a complaint like this one. This is highly unacceptable and as the sensitive person that I am, this has been a very traumatic experience. I fear being once again a victim of this type of fraud. Leaving the bank is an option but I can not pay the credit that I currently owe. The amount of frustration that this has caused me is tremendous. If this isnt resolved Id be forced to sue.
Consumer complaint received 2023-03-07
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Kohls has vilated these rights In accordinace with the fair credit reporting act XXXX XXXX XXXX Kohls ) has violated my rights 15 usc 1681 Section 602 States I have the right to to privacy 15 USc 1681 Section 604 A Section 2 : 15USc 1666B These rights have been violated
Consumer complaint received 2023-03-07
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the fair credit reporting act XXXX  Account # XXXX has violated my rights 15USC 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 a 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 2022-05-23
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)

n accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I appreciate your service 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 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 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Innovate Managed Holdings, LLC (MI)

I have been in touch via phone and email with Innovate Loan Servicing regarding reporting my auto loan to the credit bureau. They told me they were going to do it when I refinanced in XXXX of XXXX. Then they told me that they got a new computer system during the summer around XXXX. Then again in XXXX when I reached out they told me they were still trying to get all of their records up to date and should have it done now. I reached out in XXXX. They ignored me. I then again XXXX of XXXX and they said theyd have it already sent. Its been over 30 days and there is still nothing on my credit report. I cant even refinance the loan because no one will accept me since my loan is not on my credit report. 

I originally was making phone calls to them. When I made a call to them in the summer asking for an update on the credit bureau, their employee told me that they didnt have my call previously and would try to look into it. I dont believe that they are correctly documenting calls. I have moved to emails and its very apparent I dont often get a response.
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: M&T BANK CORPORATION (CT)

M & T Bank has an offer for a Credit Card. No Fee & 1 year no interest. I applied over the phone on XX/XX/XXXX and get approved for over $ XXXX on the phone and give them my info for a balance transfer to my Credit Union for {$2400.00}. Wait a few weeks & receive a letter dated on XX/XX/XXXX. But did not receive the letter until XX/XX/XXXX. Unable to Process. 
I called XX/XX/XXXX gave them to information again. Called XX/XX/XXXX to see if confirm. No answer. Called XX/XX/XXXX they said unable to process. Should be receiving a letter. As of today no letter. Called XX/XX/XXXX retook my bank info again this time I asked for {$2300.00} transfer. 

Note all time on the phone is over a half an hour on the phone. Customer Serice can't give me a answer why it does not go through. 

Except that their offer is only good for 60 days. They are stalling.
Consumer complaint received 2023-03-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (IN)

Credit acceptance is the company They are willingly knowingly violating my consumer credit transaction rights all charges are not included and they never disclose this with me at agreement remaining balance {$15000.00} agreement was established in XX/XX/2019 total of XXXX roughly.. Try calling them several times keep getting hung up on talk to a lady wants and she said she didnt know anything about my contract because she wasnt there.. They except truth in lending so I shouldnt have to pay a down payment and I paid a {$1500.00} down payment on XX/XX/2019 I was never told our disclose any of that information about the down payment
Consumer complaint received 2023-07-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

In light of the recent/current lawsuit against XXXX XXXX XXXX I ask that my previous complaint be reopened and revisited. It is very much in line with what is going on now. 

It was their error that I was in the wrong loan category- they incorrectly put me in XXXX for my parent loans. I might have made a different choice in repayment type. They took that choice out of my hands. They predetermined where to put me - XXXX, which is not advantageous to me. 

It was impossible to figure out what loans I had ; customer service could never figure out my complicated loan history ; and then I would be barraged by incorrect email information that I could not overlook even tho I was getting verbal information that said otherwise because the website agreed with the emails. Let 's not forget what XXXX XXXX did doubledipping Grant money and loans- another story of deception. 

Now I'm about to go through this again when my loans go back into payment. I have no confidence that XXXX will be any better. It is also 100 % not fair that although I know repayment is coming, I can not be told the payment amount until sometime in XXXX with that payment due XX/XX/XXXX. No time whatsoever to plan and budget.
Consumer complaint received 2023-03-07
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: Avant Holding Company, Inc. (PA)

In accordance with the fair credit report act these creditors violated my rights under 15usc 1681 section 602 states I have a right to privacy 15usc 1681 section 604a section 2 reports a consumer reporting agency can not furnish my acct without my written instructions 15usc 1666b a creditor may not treat a payment on a credit card acct under and open consumer credit plan late for any reason.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 2023-02-28
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: Experian Information Solutions Inc. (NJ)

XX/XX/XXXX i send a dispute to Experian regarding missing and incorrect information on being reported to my credit report. XX/XX/ at XXXX my dispute letter was received by Experian and they have not responded.
Consumer complaint received 2023-03-07
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: CCS Financial Services, Inc. (TX)

I am in receipt of a computer-generated letter from vour company with unsigned, unverified, unvalidated statements alleging some kind of debt. Who are you? Do Thave a contract with you? If yes. please send a certitied copy of the contract that exists between XXXX XXXX and CCS It is my policy to pay all legitimate debts, but to also not be defrauded by clever schemes and I do not owe the debt for the account in the above Regarding. However, your claims are conditionallv accented provided vou furnish me with a claim verified under penalty of perjury. 

Please verify your claim under pains and penalties that this is a true debt and not a collection scheme per the F.D.C.P.A at 15 U.S.C. 1692 e.g. 
Please send me a certified copy of your license to collect a debt in Texas. If you purchased this as a " debt collections '' device to make money as a debt collector, thank you for paying off the bill. You have 3 days to respond with a statement of account with a XXXX balance and remove any and all unlawful on my credit report. Failure to respond in 3 business days is acceptance and your failure to cure vour dishonor will receive my NOTICE AND DEMAND for {>= $1,000,000} in damages for violations to include : Fraud, Extortion, Denial of Right to Happiness, Dishonor in Commerce, Collusion Racketeering, Conspiracy, Intimidation. 

Here are the terms of this self-executing Contract : Respondent must respond in an Affidavit with the requested supporting documentation and mail it to me. 

In the absence of a true bill, kindly tender payment of {$1000.00} payable to : XXXX XXXX for 1 ( one ) unsigned, unverified, unvalidated statement punishable by Federal Law pursuant to Title 18 USC 1341. 1702. 1703 and 1708.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE All Rights Reserved, XXXX XXXX
Consumer complaint received 2019-08-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MO)

I HAVE FILED COMPLAINTS, DISPUTES, SENT LETTERS AND I AM NOW LOOKING INTO LEGAL MATTERS. THE XXXX XXXX ACCOUNTS THAT ARE NOW IN COLLECTIONS ARE CHARGED OFF DO NO BELONG TO ME. I AM AN AUTHORIZED USER ON MY MOMS XXXX XXXX CARD AND HAVE BEEN FOR YEARS. ALL OF A SUDDEN I HAVE TO FRAUDULENT ACCOUNTS ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE. I AM AWARE OF XXXX XXXX 'S DATA BREACH AND IM SURE I HAVE BEEN AFFECTED. ESPECIALLY SINCE AT ONE POINT A CARD WAS ORDERED AND REQUESTED TO BE SENT TO ARIZONA AT ONE POINT AND I LIVE IN MISSOURI AND HAVE NEVER BEEN TO ARIZONA. I ALSO DISCOVERED THE BANK THAT WAS LINKED TO THE CHECKING ACCOUNT THAT WAS PAYING THE CARD WAS FROM XXXX OR SOMEWHERE LIKE THAT AND AGAIN I LIVE IN MISSOUR AND NEVER HEARD OF THAT BANK
Consumer complaint received 2024-03-13
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. (FL)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2023-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Companys XXXX XXXX XXXX {$770.00} XX/XX/2023 XXXX XXXX XXXX {$470.00} XX/XX/2023 XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX {$420.00} Capital One {$500.00} XX/XX/2023 XXXXcapital/XXXX {$0.00} XX/XX/2023 XXXX {$0.00} XX/XX/2023 XXXXcapital/XXXX {$0.00} XX/XX/2023 XXXX XXXX XX/XX/2023 XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXXXXXX XXXX  XX/XX/2023 For all of the companies above no action has been taken.

Dispute result Your items currently remain on your most recent credit report. Unless you have received a direct mail from XXXX, there is still a chance that it will be removed in the coming days.
Consumer complaint received 2023-03-07
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: Experian Information Solutions Inc. (TN)

I recently noticed several hard inquiries on my credit report that I did not authorize. I will list all unauthorized inquiries : XXXX. XXXX XXXX XXXX XX/XX/22 XXXX. XXXX XX/XX/22 XXXX. XXXX XXXX XX/XX/22 XXXX. XXXX XXXX XXXX XX/XX/22 XXXX. XXXX XX/XX/22 XXXX. XXXX XXXX XX/XX/22 These inquiries were not authorized by me and are fraudulent.
Consumer complaint received 2022-05-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-02-20
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: Security Credit Services, LLC (NY)

I submitted a dispute online to XXXX regarding my collection account. I wanted to dispute the validity of the debt with proof, over 3 months ago and never heard a response back they just ignored the dispute.
Consumer complaint received 2023-01-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (MO)

I have a credit report about atnt they're trying to collect funds from a phone that I once had I would like to use my rights of rescission 15 USC 1635 also they're in violation of the truth and lending as I put a Downpayment on this phone and they're trying to collect funds from me I would like to receive the property and collect the money using 15 USC 1635 they're also in violation of 15 USC 1662 as I put a down payment and money for installments