davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-24
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. (NC)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2022-10-12
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. (WA)

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 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 2022-04-08
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: Experian Information Solutions Inc. (MO)

XXXX XXXX XXXX Account # XXXX This account was deleted form my credit file on XXXX XXXX do to reporting inaccurate information. Now you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ) .This item was deleted and reinserted without notifying me 5 business days after and certifying that the items was validated properly. I demand this account be deleted from my credit file or I will seek litigation. Violations According to the CFPB : 15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) ( iii ) : ( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion 15 U.S. Code 1692c ( a ) : ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I enclosed attachments providing proof that this inaccurate account was deleted on XXXX XXXX. So as you see my rights are being violated in so many ways according to the Consumer Financial Protection Bureau ( CFPB ), by this inaccurate account being deleted and then reinserted back on my credit file. This is causing tremendous stress and preventing me from getting new job opportunities to better my family life which is not fair. 
Thank You regarding this matter!
Consumer complaint received 2022-01-24
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I Am a federally protected consumer. XXXX was notified of a dispute of account with Capital One Bank NA Account number XXXX on XX/XX/22 XXXX has notified the consumer that they have completed the dispute XXXX has failed to make it clear if they deleted updated or whatever action has been taken with said dispute being complete pursuant to 15 USC 1681a, ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. XXXX HAS FAILED TO DISCLOSE AND PROVE THEY HAVE HAD PERSONAL INTERVIEWS WITH MY NEIGHBORS OR FAMILY, under 15 USC 1681 ( a ) ( 4 ) i have a right to privacy i ask this account be removed from my consumer report... ACCORDING to 15 USC 1681b ( 2 ) STATES YOU HAVE TO HAVE WRITTEN CONSENT FROM I THE CONSUMER TO EVEN FURNISH SOMETHING ON MY REPORT THAT IS IDENTITY THEFT .... Any Negative marks need to be deleted ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THERE SHOULD BE NO INFORMATION SOLELY AS TO TRANSACTIONS OR EXPIEIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ALL TRANSACTIONS BETWEEN I AND CAPITAL ONE SHALL BE DELETED PERSUANT TO 15 USC 1681c-2 I CALL FOR A BLOCK TO ANY INFORMATION ON THIS ACCOUNT WHICH RESULTEC FROM IDENTITY THEFT
Consumer complaint received 2022-01-24
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (FL)

I opened a prepaid XXXX card, i wanted to try it. The worst card there ever was. First of all, it took them over two months to set the card up, then I would charge something and pay the balance due, it took them a month to credit the funds back to the account. So, in XXXX of 2021 I told them to close out the account, I owed {$45.00}, I called to close out the account and I said I could make the payment, the agent said they would reduce the {$45.00} from the {$100.00} security deposit, i said fine. Here it is the end of XXXX, I called to see where my refund of {$54.00} and they said nope you don't receive that back. 
All I can say is fraud, simple as that. Never would I recommend anything prepaid, I thought it would be a good idea for my niece, XXXX no. Whoever created this card needs to be put out its misery.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX, and I am preparing this message. It has come to my attention that there have been several accounts under my name open fraudulently. My information was used to obtain financial goods and or services. The listed accounts in this report are not mine. According to 15 US Code section 1681-C-2A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as a result of alleged identity theft. Also, 15 US code 1681 section 604 alpha Section 2 states a consumer reporting agency can not furnish an account without my written instructions. The listed accounts here never should have received instructions from me, nor did they obtain permission or have my consent. No consent is identity theft. I am demanding the deletion and removal of these accounts listed in this file from my Consumer Reports immediately.
Consumer complaint received 2015-04-21
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC. (OH)

incorrect use of the 30 day grace period when applying for credit for a auto loan by Equifax & XXXX to many hard hit 's on credit report in less than 30 day 's. 
once in XX/XX/XXXX & again in XX/XX/XXXX.
Consumer complaint received 2022-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (MI)

These following account below said to be a collection account that was sold to XXXX/XXXX  with the same account number showing on my report. This collection accounts were both reporting on my report which leads to multiple appearances and a grave impact on my Credit scores and credentials. These particular collection accounts should not be shown as XXXX different collections since they're definitely the same. Moreover, I have made my payment to the original creditor. These should have been removed if a proper investigation was conducted. If you still insist that I am still liable, make sure to provide me definite and legal proof for me to confirm. 
XXXX/XXXX  XXXX Balance : {$1000.00} AD ASTRA REC ( Original Creditor : XXXX  XXXX XXXX ) XXXX {$1000.00}
Consumer complaint received 2022-01-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XXXX I submitted a complaint through the CFPB about Capital One and their lack of compliance in accordance with consumer protection laws and bills of exchange. I am the ORIGINAL creditor and they are the assignee. Pursuant to 12 CFR 1002.2 ( c ) ( 1 ) ( i ), the term application is an oral or written request for an EXTENSION OF CREDIT and " credit '' is the right granted to a debtor to defer payment which means I did not request a cash money loan from Capital One. The complaint number is XXXX. Capital One responded in complete denial of their lack of compliance and closed my account which they do not have the power to do without my consent which is IDENTITY THEFT. They said that the " Acceptance for Value '' method of offsetting a debt payable to them with my endorsement as authorized representative wasn't good enough. My method of payment is clearly explained on the FDIC, FTC, and CFPB websites under " tender of payment '' and " bills of exchange ''. 3-603 When tender of payment to a person entitled to enforce is refused, there is a discharge to the extent of the amount of the tender. To my knowledge, banks do not loan money pursuant to 12 usc 1431 which leads me to ask, what type tender of payment are they looking for if they do not have the power loan me cash money?. Financial institutions are in the business of purchasing securities which they are not authorized to loan in their own stock. The banks are bankrupt and have been since 1933. According to 18 usc 8, the UNITED STATES XXXX is responsible for all indebtedness after it surrendered everything to the federal reserve. Capital One knows that these laws derive from the HJR 192 of 1933 when all the lawful gold was confiscated. They are also violating my privacy by sharing my NON-PUBLIC PERSONAL INFORMATION to the consumer reporting agencies without my consent according to 15 usc 1681b permissible purposes. Please help.
Consumer complaint received 2022-01-24
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (CT)

Good Afternoon, I received a XXXX XXXX XXXX  as an award from my employer. When I went to use it for the first time today, I became aware that the balance was {$120.00} instead of the {$150.00} as expected. I called XXXX XXXX XXXX who has up to an hour customer service wait time. After getting a hold of an agent, they stated there were charges from CA. I live in CT. They said they would need to open an investigation that would take 45-90 days. I said in the mean time can you give me a new card as this is a gift card and not a debit card or credit and I have never used it? They said no. They were obviously compromised and nothing I did wrong on my end. As I spoke with the agent, i started to wonder if this is a legitimate company? I asked to speak with a manager and they put me on a long hold and then hung up. I tried to call back and could not get anyone. I even looked on XXXX for management and could not find anyone. It funny that I work in fraud and have never had an issue with a debit or credit card but I get a GC as an award and its compromised. Their customer service is horrible and im sure i am not the first complaint and i am looking for help in retreiving a new gift card with the original balance. 

Sincerely, XXXX XXXX XXXX Last 4 of the card:XXXX Email sent to : XXXX XXXX
Consumer complaint received 2022-01-24
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. (IL)

I contacted Experian regarding potentially negative remarks on my report XXXX XX/XX/2022 at XXXXXXXX XXXX at number XXXX ( XXXX ) XXXX. I spoke with customer service agent XXXX who asked for my personal, private and confidential information but would not give hers. A few of the accounts have been settled and paid in full. I attempted to ask the agent " Why are several of my account potentially negative when they have been closed and paid in full? She could not give an answer that I deemed suitable. I asked to be escalated to management and this agent refused. I asked for agent id number and representative refused. I would like my account to be closed with Experian as I do not trust the teenagers that have privy to my personal, private, and confidential information. I would only like verified Veterans over my portfolio as I am a Veteran. I would like someone to respond to my complaints via my email : XXXX XXXX
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Tower Loan of Mississippi, Inc. (IA)

The tower loan is showing outstanding when it has been paid in full. I have asked them numerous times to correct it as it impacts my debt to income ratio when home or car shopping etc. They simply have not and will not practice information.
Consumer complaint received 2022-01-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Figure Technologies, Inc (CO)

Figure ( https : //www.figure.com/ ) advertises a home equity line of credit ( HELOC ) product. On XX/XX/2022, I submitted an application to receive a rate quote. However, once I submitted my application, it became apparent that their HELOC product more closely resembled a home equity loan product. 

If lent to, I must take 100 % of the HELOC proceeds at closing. For instance, if my total line was {$100000.00}, I would have been forced to take {$100000.00} at closing. They claim it's an " open line '' because if I make principal payments, I may then borrow up to the initial $ 100k during the " draw '' period. 

I believe this is intentionally deceptive advertising and does not meet the criteria of a HELOC product, where an initial draw is optional. Please investigate and potentially make them reclassify their existing " Figure Line of Credit '' product.
Consumer complaint received 2021-05-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: FIRST FINANCIAL BANCORP (WI)

I applied for a loan online and several companies contacted me via telephone to do the loan process prior to XX/XX/XXXX. The company claiming to be XXXX XXXX XXXX  paid off XXXX of my credit cards in the sum of {$1100.00} stating they were doing so to make sure that I was responsible enough to repay them. They had me repay them by purchasing gift cards and sending the cards to them electronically. The payment of {$1100.00} is the only transfer of funds from them that hasnt been returned/refused/taken back. I was then approved for a loan and {$4600.00} was deposited into my account on XX/XX/2021. At that time I noticed funds were being transferred both in and out of my accounts. I applied for a second loan through a company claiming to be First Financial Bank, in the amount of {$5000.00}, then a deposit of {$4800.00} was put into my account on XX/XX/2021. The funds were made available by the bank after XXXX day, at which time I began using the funds. The next day, I was informed that there was a check from a law firm that had been altered. The company I applied for the loan online had access to my bank account and had me return funds to them saying this was the process to assure my bank account was good because it had reversals in it so some of these funds were returned to them saying this was the process for approval, once the check was cleared after XXXX  days by the bank, I was under the impression the loan was okay, but later found out that it wasnt and it was a scam. I then contacted my bank to try and find out what was going on to bring them to justice. 
Both Financial Institutions were out of Ohio, XXXX was claiming to be XXXX XXXX XXXX, the other was claiming to be First Financial Bank. If someone can contact me asap about this at XXXX thank you.
Consumer complaint received 2024-03-23
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: SOFI TECHNOLOGIES, INC. (MI)

XXXX invest account Ive been charged for a few months Everytime I have to transfer money taken out out my checking account finally after paying fees they finally stopped now after a few months they have taken money out of an account I closed along time ago. Now i have to try to close it again!
Consumer complaint received 2024-03-23
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

An electronic payment was made to the credit card company on XX/XX/XXXX, which is the day I received the bill in the mail for a payment due XX/XX/XXXX. I have a screenshot of the payment made through XXXX XXXX for the entire balance of {$71.00} on XX/XX/XXXX. On XX/XX/XXXX I received a statement with a {$29.00} late fee and {$2.00} interest charge. I called the credit card company and they refused to waive the late fee. 
When I tried to explain that I had a screenshot of the payment the representative named XXXX could care less.
Consumer complaint received 2023-09-11
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. (NY)

I've sent multiple disputes to Experian and they continue to send me emails stating they could not verify my identity and they will not proceed with the investigation, even after I have verified that it's me sending in these disputes and including my information and photo copies of my identity in the dispute, they still refuse to investigate my dispute
Consumer complaint received 2022-01-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (OR)

Ive made several attempts to contact Suntrust ( now Truist ) and have been unable to reach anyone. I want to close my account because I no longer use it before I incur anymore maintenance fees. I just want it gone. Everytime I call Im placed on hold and then the line ultimately disconnects. Im not in a state that has a local branch available.
Consumer complaint received 2022-01-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: FREEDOM FINANCIAL NETWORK (NJ)

So I obtained a loan through Freedom Plus back in 2019 for around {$8400.00}. I was paying normal and on time before the pandemic hit. Since the pandemic hit and my store closed down temporarily. My income and unemployment was inconsistent and not enough and I asked for some help. They did help me for first 3 months deferring payment. I asked for further help ask again my income was inconsistent. They required Bank Statements to look over my finances. Other lenders did not ask for this and gave me more help as they understood the times. All 6 other companies I've worked with regarding my debt did not ask for this but FP. 

I am not one to give out bank statements to seek if I qualify for help. I've always found myself being declined help everytime someone looked at bank statements as a means for helping people. I then went back and forth with them over a period of time trying to get help. They did help one other month deferring payments but I still had to pay. My store opened back up and I was able to pay as income was consistent again. However I found myself not able to catch up and found myself being late. While trying to not hurt my credit i've been paying just under the 30 day late mark. They haven't charged late fees which does help but they are instead CHARGING ME EXTREME AMOUNT OF INTEREST. So out of my monthly payment, {$20.00} is going towards the prinicpal. I've asked for ways to help me get back on track now, will not do any more. I was out needing to quarantine, Paycheck was hurt temp., wont help no more. I won't use this loan company no more.