davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I owed a debt of {$520.00} for a Capital One credit card. When I was unable to pay, a debt collection agency, XXXX XXXX, began calling to collect. 

In XX/XX/2018, I spoke with them about paying off the debt. I had about {$300.00} dollars to pay. I asked them if they would accept his as payment in full, and remove the amount owed from the credit reporting agencies. They agreed to this amount. 

In checking my credit report today, I saw that {$200.00} is still listed as a balance. I called them to ask them about this account. They indicated I had " settled '' the debt, not paid it off. I informed them their agent had agreed that I would not owe any further amount if I made the {$300.00} payment, and they would report it as paid in full, and this is why I agreed to pay at that time. 

When I called, I informed them I felt that had lied to collect the debt, and they apologized, but indicated they would do nothing to rectify the situation. They indicated they could not contact the reporting agencies to fix this error. I informed them I would be making a report about this lie.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2022-10-03
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. (FL)

In accordance with the Fair Credit Reporting Act. 

The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number:XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc. (TX)

Fraudulent and predatory lending practices of Cornerstone Mortgage Company. My mortgage is a non-escrow account however Cornerstone incorrectly showed that I did not pay property taxes. I submitted all documents proving that I paid all taxes on time and no money was owed and therefore escrow should be removed. Instead of removing escrow for XXXX since all taxes and insurances were already prepaid Cornerstone chose to keep escrow by prepaying XXXX taxes and sending me again into deficit. I have already forecasted to pay XXXX taxes and therefore Cornerstone is forcing me to double pay! My mortgage went from XXXX to XXXX without notice or explanation. The estimate for the new mortgage includes tax amounts that have already been paid! This is completely fraudulent and predatory as it forces the consumer into escrow which includes the fees and cushion when it is unwarranted
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act. 

The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number:XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX 15 U.S.

C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

After depositing a check into my Wells Fargo account and making a withdrawal it froze my account and I had to wait on a check to be mailed out to me for my account balance it caused alot of hardship and issues over the wait.
Consumer complaint received 2021-12-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

Please remove these items off my report I have disputed these items a couple of times it has been on my credit quite a while please look into this matter it has not been verifying
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (NY)

Two months ago i opened XXXX visa card that promise me rewards for usage. They also promise in advertisement that {$20.00} as credit to account will be given to me after i spent {$500.00} within three first months. On their it's always impossible to redeem my rewards ( even look at them ), for two months the site gives you message that there is technical issues ( see screenshot attached ). I called them three times (! ) and through barely heard voices ( this is feature of company to fool clients ) i ordered my rewards ( over {$20.00} ) and {$20.00} promotional to be credited to my account. They promise me that and even ( upon my request ) gave me confirmation number. Since that - my rewards disappeared from my account but never show up in my balance. ( See attachment as of today ). 
I consider such practice of company as a fraud and ask you to force them to fulfill their obligations. I want my {$20.00} promotion and earned rewards to be posted on my account immediately! And this business must be investigated, because one hour of waiting on hold is not right practice for financial related company.
Consumer complaint received 2023-01-23
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: EQUIFAX, INC. (MD)

This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. these accounts need verification and their late payments updated. 

Here are the aforementioned accounts : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00}
Consumer complaint received 2023-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please be advised, this is NOT a duplicate complaint. Since first reporting these violations to CFPB by TRANSUNION, TRANSUNION has reported new accounts in violation in the exact same manner of other accounts previously reported, however, CFPB has not responded nor has held any accountability for TRANSUNION for these violations. The following violations include : denying the consumer access to her consumer report and annual consumer report since reporting these violations back in XXXX and XXXX, as well as selling the consumers XXXX account information with full disclosures of the consumers NONPUBLIC PRIVATE INFORMATION such as : full consumer account numbers, balances, history, XXXX and more. I have together with counsel found over XXXX consumer reporting violations being reported by Transunion. Please be advised that the following notice has been obtain by legal counsel and will be used in accord with the severity of the offenses committed against the consumer and permitted by the bureau.
Consumer complaint received 2019-12-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (GA)

Collections Agency : Jefferson Capital Systems I did not have an opportunity to request account validation. According to my credit report, this collections account was opened on XX/XX/2019. However, I did not see it until it posted on my credit report on XX/XX/2019. There was a derogatory remark on my credit report because I never had an opportunity to dispute account validity. 

Alleged Amount Owed : {$460.00} This company violated federal law.
Consumer complaint received 2023-05-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (PA)

You are reporting this collection as an " OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. 
Account listed under reinvestigation for weeks
Consumer complaint received 2021-12-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (CA)

On XXXX the XXXX and XXXX the XXXX XXXX made numerous changes to my American Express bluebird card for a total of {$600.00}. I never order or received any products from XXXX. I have been unable to get a refund from XXXX or American Express. Please help me resolve this issue.
Consumer complaint received 2019-12-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion is not showing the terms of my Mortgage loan with XXXX  XXXX  XXXX which is a 30 year loan.Also the current payment status states ( no info ) for XXXX, XXXX and XXXX of 2019 : However, Transunion states that the last payment to XXXX  was XX/XX/2019 2019
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (OH)

I leased a XXXX XXXX XXXX through Ally. When my lease was up this past XXXX, I leased a XXXX XXXX XXXX XXXX through Ally. The dealership purchased the XXXX XXXX and paid it offbin full. Ally showed the payment for the month of XXXX as being over 30 days past the due date on the XXXX. That " late '' payment affected my credit score and dropped it significantly.

I don't know what to do to get my credit score back up. It went from XXXX in XXXX to XXXX last month
Consumer complaint received 2021-12-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have been going back and forth with XXXX XXXX representing Portfolio Recovery regarding an unverified account. She has refused to accept my FTC Report and has refused to provide validating information for me to further research the matter. 

She continues to intimidate me and threatened me with lawsuit. 

I want this matter resolved
Consumer complaint received 2019-12-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thomas & Thomas Attorneys and Counselors at Law, LLC (OH)

This is a notice of dispute pursuant to the FDCPA, section 807 FALSE OR MISLEADING REPRESENTATION ( 15USC 1962e ). I would like to request full validation of this unknown account MT. XXXX XXXX XXXX 'S FILE NO. XXXX $ XXXX specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information. I HAVE NEVER DONE ANY BUSINESS WITH THOMAS & THOMAS NOR HAVE THEY PROVIDED ANY SERVICES FOR MY MEDICAL CONDITION LISTED IN THEIR BILL SENT TO MY JOB. I BELIEVE THIS IS DEFINITELY IS A VIOLATION OF FEDERAL
Consumer complaint received 2021-11-10
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. (DE)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/2021 XXXX
Consumer complaint received 2023-01-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC. (VA)

improper disclosure of the amount financed, finance charge, payment schedule, total of payments, annual percentage rate, and security interest disclosures. 
-This Rescission notice is made Pursuant to 15 U.S. Code 1635 ( 0 ), as I was never told I had 3 days to rescind the agreement. Neither was I given the notice that comes along with all consumer credit transactions. Furthermore, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Virginia XXXX failed to clearly & conspicuously disclose all of my rights as a consumer including but not limited to my right of rescission. 
XXXX XXXX XXXX XXXX XXXX accepted a CASH down payment of {$2000.00} violating 15 U.S. Code {$1600.00} which clearly states : The finance charge does not include charges of a type payable in a comparable cash transaction.

Pursuant to 15 U.S. Code {$1600.00} ( 1 ) ( 3 ) ;
Consumer complaint received 2023-01-16
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)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 2019-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MN)

Have tried multiple days in a row to remove credit freeze from equifax to apply for credit. Message from phone agent is call back in 30-60 min as system is updating. Have also tried online but it directs me to the phone. Engaged with equifax via XXXX, was give a different phone number and called and received the same message after calling multiple times over a number of hours.
Consumer complaint received 2019-12-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (GA)

The below problem disappeared from my credit after I filed my complaint in XXXX and now it's reappeared on my credit report. My initial report : I have contacted Chrysler Capital more than 10 times reference the current payments of {$490.00} on a {$6300.00} balance with a maturity date of XX/XX/XXXX. My car was a total loss on XX/XX/XXXX, my insurance company XXXX issued a check in the amount of {$14000.00} dated XX/XX/XXXX to Chrysler Capital and the automobile GAP coverage issued a payment of {$7700.00} on XX/XX/XXXX to Chrysler Capital. My request to Chrysler Capital is to adjust the payment amount to the maturity date XX/XX/XXXX which did not change from the original amount of months to pay. I have paid on the account but they determined that the payments was only applied to interest which shows that the company is doing whatever they want to the customers. If calculated the payment should be around {$210.00} per months. The current payment of {$490.00} XXXX 34 months remaining on loan, would add up to payments of {$16000.00} based on the maturity date. I need help I want to pay the amount i owe but based on my contract maturity date. I am only asking them to adjust the payment to the maturity date simple math. I called them several times the customer service representatives were rude, forward calls then ended the call before connecting to the supervisors, request for supervisors call back never materialize.
Consumer complaint received 2022-10-27
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: JPMORGAN CHASE & CO. (NY)

XXXX was appointed to handle my property XXXX is in control of my assets. However the corporation that is holding the trust and beneficiary property as well as my children legal heirs to their father XXXX XXXXXXXX XXXX
Consumer complaint received 2023-09-16
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. (NJ)

This information is incorrect, fraud, please delete this information. all inquiries is fraud. 
THIS INFORMATION IS INCORRECT IS FRAUD DELETED INFORMATION PLEASE. XXXX XXXX XXXXXXXXXXXX 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 2019-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (MA)

In early XX/XX/2019, I received 3 letters from Chase bank. Each letter informed me that a credit card account had been closed down. I had 3 total credit cards with Chase, so that meant all my cards were closed. 
I called Chase the same day I received the letters. I explained what happened to the CSR. A payment I had made did not go through because I had mis-typed my bank account info the setting up payment options. It was off by 1 digit. I had called and corrected this with a different Chase CSR as soon as I noticed the problem in late XXXX. I did to miss any payments and all accounts were paid in full at the time I received the first letters. 

The CSR told me that she would send my info to another department for review. 2 weeks later, I received 3 more letters, all dated XX/XX/2019. All letters said the same thing : Chase would not re-open my accounts. Again, all cards were fully paid and 2 of them even had small negative balances due to bonuses earned that were paid after the cards were shut down. 

My total credit limit across all cards was less than {$15000.00} and I never came close to that much spending in any billing cycle. I never missed a single payment over the life of the credit cards. Chase made a rash and ridiculous decision to close all accounts over a typo that I corrected as soon as I learned about it. The higher balances over the holidays was due to some gift cards that I purchased for friends/family. Again, none of this violated the terms and conditions I agreed to when I signed up for the cards. 
I would like all 3 credit cards re-opened. I am not interested in applying for them all over again.