davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I was pre qualified to an XXXX XXXX from capital one {$0.00} annual fee 0 % apr on purchases and balance transfer for the first 15 months : after that a variable APR. After applying i was told that i could not apply for balance transfer for a 11 days this was XXXX XXXX. 
I did not try to get the balance transfer till XX/XX/XXXX, i was told that i had no balance transfer available. I than called the number on the letter i received. They connected me with a representative at CapitalOne. Who proceeded to tell me that i did have a balance transfer available. I was unable to do it at the time, because i did not have correct amount to tell them to transfer I spoke with them on XX/XX/XXXX. I said i would call back and asked that this was still in affect. She said yes. 
I called nine days later XXXXXXXX XXXX, and was told that I did not have the balance transfer. When asked how come XXXX days prior i had the balance transfer. I was told that it was their discretion to change their offer and that their policy on discretion superseded the law. Also that they can rescind their offers at anytime. They would not provide me with a letter of denial refused to speak with me because they thought i was recording the conversation, even though they were recording. I was told there was no supervisor for me to speak with. I feel that i was mislead given false information and discriminated My rights have been violated, This was misleading information. Representative ended the call because she did not hear me respond three times to her regarding my intent to record the call. I was told with the representative that i spoke with on XX/XX/XXXX that i had 15 months to do balance transfer from XX/XX/XXXX. I tried to resolve this problem. CapitalOne would not cooperate
Consumer complaint received 2023-03-09
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: EQUIFAX, INC. (NY)

A XXXXXXXX XXXX card was opened under my name on XX/XX/2022. I have never authorized or made any transactions or applied for any type of credit with XXXX. According to the credit bureaus, the card in question was opened with a $ XXXX limit, used once for {$99.00}. When I received the alert, I called XXXX and they cancelled the card but this item was never removed from my credit report. I am a victim of identity theft and I need this investigated and corrected as soon as possible.
Consumer complaint received 2024-04-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

On Sunday, XX/XX/XXXX, I log into my high-yield savings account with XXXX by Goldman Sachs to transfer money to my external account with XXXX XXXX XXXX  XXXX I received an error message on the web, which gave me a message to call them directly. When I called, they went through authenticating me with sending a code to my cell phone that's on file. However, I never received these codes and they refused to accept my name, birthday, address, social security, and special word as a form of proof that I was the person calling. I said I would call back, as I didn't understand why my code was not going through. When I logged back in to try again, I was shown a page that my account was locked. I called again and they again, refused to accept any form of verification though it matches exactly on the account. They then refused to accept my phone number ( that is on the account ) as an accepted verification because the phone number is not under my name - how is that fair when I am in a family plan with my husband, who's the name on the account/bill. That is my cell phone number and not something that I physically own or should be considered a form of verification. I have called every day ( XX/XX/XXXX, XXXX, XXXX of XXXX ) to understand 1 ) why my account was locked, 2 ) why they will not accept my social and special word as verification, and 3 ) when I can expect to get my account unlocked ; with every agent saying that they can not tell me and that there's nothing they can do. 

I am blocked out of my account that contains my life savings which I need access to pay my bills and rent. How can a bank block me from accessing my money and not accept any form of verification and refuse to tell me how I can unlock the account or when it would get unlocked. This is outrageous.
Consumer complaint received 2023-03-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (PA)

On Sat. XX/XX/2023, I charged my PNC debit card {$41.00} at the business XXXX XXXX in XXXX, PA. This charge was correctly applied to my PNC checking account on Mon. XX/XX/2023. On XXXX XX/XX/2023, an additional fraudulent charge from the business of {$40.00} appeared in my PNC checking account. After contacting PNC Bank four times total on XX/XX/2023 and XX/XX/2023, they repeatedly refused to allow me to dispute this fraudulent charge and threatened to terminate my checking account. PNC is also charging me overdraft fees on this fraudulent charge to which I did not consent. If the fraudulent charge was not applied to my account, I would not have been overdrafted, and this PNC error is creating significant financial distress.
Consumer complaint received 2023-03-08
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. (AL)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 604 section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 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 2024-04-24
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (CA)

I requested that the account be closed and funds sent to me via check on XXXX consecutive instances in XXXX and XXXX, but no resolution has been reached. 
I would like the money that I am entitled to be disbursed within XXXX business days of receipt of this complaint. Their procedure and timeframe is complicated and unstructured.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Elevate Recoveries, LLC (FL)

I received my credit report and noticed Elevate Recoveries , LLC placed an open collection on my report in the amount {$2200.00}. 
First, I do not have a legal contract with this company. Secondly, Elevate Recoveries is in violation of consumer law code 15 USC 1681a Section 3. Per 15 USC 1681a Section 3 Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. 
This company has also violated H.R.2537 - Consumer Protection for Medical Debt Collections Act per Congress.gov. that states This bill restricts the inclusion of medical debt on a consumer credit report. 
A consumer reporting agency is prohibited from including on a consumer credit report, and a person is prohibited from reporting to such agency ( 1 ) medical debt arising from a medically necessary procedure, or ( 2 ) other medical debt less than a year old. 
Lastly, the Elevate Recoveries violated the HIPPA law. The HIPAA law protects patient privacy, including third-party debt collectors accessing your information. I never provided a HIPAA release form.
Consumer complaint received 2023-08-27
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: I.C. System, Inc. (MN)

These accounts and inquiries are not mine they were made without my permission, consent, inquires. I C System : Opened : XX/XX/XXXX. Reported : XX/XX/XXXX. Or all the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is past the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instruction or consent 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquiries must be removed immediately thank you.
Consumer complaint received 2023-05-19
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. (NV)

I have been working on my Experian credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NV XXXX and there is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2024-08-05
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: Experian Information Solutions Inc. (VA)

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within XXXX business days of receiving a complaint that includes the following information : XXXX XXXX Account Number:XXXX By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX Account Number:XXXX By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX Account Number:XXXX " I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately. "
Consumer complaint received 2024-04-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC (GA)

Westlake repossessed my vehicle in XX/XX/XXXX, after theyd illegally taken over a vehicle contract I had with USAuto Sales in XX/XX/XXXX. They are reporting to all credit bureaus the last payment I made to them was on XX/XX/XXXX in the amount of {$5200.00}, which is absolutely false! Westlake originally reported the Account as charged off. {$13000.00} and then on XX/XX/XXXX written off. {$8500.00} past due as of XXXX XXXX. I called Westlake today, XX/XX/XXXX to ask how the {$5200.00} payment was made, since I absolutely not, and spoke with XXXX from the chargeoff dept around XXXX, in which he advised the vehicle that theyd previously repossessed from me in XX/XX/XXXX, was sold in an auction in the amount of {$5200.00}, finally asking if Id like to clear the remaining past due balance of {$8500.00}. I proceeded to inform him that reporting such false and inaccurate information is a violation of my consumer credit reporting rights by reporting false payment dates, amounts, and inaccurate balances Ive made to them as a consumer, while continuing to report negative information about the property they sold and no longer have rights. I asked that they remove themselves from my credit report, and XXXX advised that I email their disputes department to find a resolution. Ive disputed inaccuracies to ask the credit bureaus, only for them to continue to advise that Westlake is reporting accurate information, ultimately closing, yet another one of the many disputes Ive submitted to all three bureaus these past 6 months.
Consumer complaint received 2024-02-25
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: Experian Information Solutions Inc. (TX)

I requested that XXXX Acct # XXXX be removed from my report as it was identity theft and its still on my Experian report. This account was removed from mt XXXX XXXX, and XXXX report. I want this removed within 72 hours off my Experian report.
Consumer complaint received 2023-03-09
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. 

Account name : XXXX collection # XXXX, Account name : XXXX collection # XXXX, Account name : XXXX # XXXX, Account name : XXXX  collection XXXX XXXX, Account name : 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 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

Sent letters out on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX no response after more than 60 days. please delete and remove the following accounts from my credit report in accordance with the CFRA. 





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 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX I got an email from XXXX I will attach it to this complaint for review it says make a payment of {$350.00} before XXXX XXXX or it will be reported 30 days late. No problem I made the payment on XX/XX/XXXX at XXXXXXXX XXXX I will attach the receipt. Now I got alert from the credit burus that bridgecrest reported this loan 30 days late because of {$39.00} past due but thats not what they wrote in the email I paid them what they ask for actually a little over. This is not right I want them to reverse this because they lied to me in the email.
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (FL)

I just had this happen with XXXX XXXX, this is not OK. Same thing happened again this time its Chase Credit Card ending in XXXX. XX/XX/2024, I decided to pay the card off and checked the full remaining balance and the current balance and paid the full balance payment of XXXX. The next day i check the balance and they came back and charged an additional interest of XXXX cents. I paid the XXXX cents so the balance was XXXX. I get back on here today XX/XX/XXXX and there are even more charges of XXXX in FEES and INTEREST yet havent purchased anything and paid this card off in full. I called and spoke with a CSR rep, asked for a refund, they said No, asked for a manager who also refused to refund the incorrectly added interest. I would like the interest refunded and the account to XXXX like it should have been without all the hassle. I did pay the balance of XXXX yet again today like I did for XXXX  XXXX so additional interest did not accrue, but I want the XXXX refunded as this is a matter of principle and ethics.
Consumer complaint received 2023-03-09
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. (CA)

I have noticed this incorrect item appeared in my report. I don't know how they can validate this information and put it on my file, but this isn't mine. This is negatively affect me and my scores.
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 — Account information incorrect
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights 15 U.S.C 1681 section 602A. 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 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 Please view attachment below
Consumer complaint received 2023-03-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I've disputed XXXX XXXX XXXX XXXX  and now XXXX XXXX XXXX. Each time I dispute it a new account is added to my credit report. Each collection agencies are reporting are showing the original creditor as, XXXX XXXX XXXX debt, they're reporting the same amount but different account number and they're reporting it as new debt. If the account was sold to a debt collector, it should be removed by the old debt collector and the original date should show. In this case that's not the case they are reporting as new debt. How can I owe the same debt three times.