davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am writing a complaint to Capital One. My account in Capital One was blocked after an unsuccessful transaction from my main bank account from XXXX XXXX XXXX in XXXX days. 
I opened my main bank account ( checking account ) on XXXX XXXX in Capital One. After that, the bank app gave an option to transfer directly to the Capital One account from another bank through direct deposit. I wrote my account number and routing number. The transaction was successful. I saw this transaction in the Capital One app on XX/XX/XXXX. But after XXXX days on XX/XX/XXXX I got a message on my e-mail from Capital One that XXXX XXXX XXXX refused the transaction. I called to the XXXX XXXX XXXX customer service. The woman explained that I wrote the routing number for wires in the Capital One app, not for the electronic transaction and XXXX for making the transfer. At the same time, she said that she said could not see that the transaction was done. I opened the XXXX XXXX XXXX app I could not see that transaction either. In the Capital One account, it showed that the money got deposited into my account and after the XXXX XXXX XXXX XXXX took it back. After the call from Capital One, they contacted me and asked for the address ( I was in the process of changing the address I said the new one and the previous address ). After the small decision, they blocked my account without saying the reason. 
I called Capital One again, asking the reason why my bank account was blocked account they couldn't say anything. 
The day after I called 2 times to customer help and on the second time the woman provided the investigation e-mail of the bank. I explained this situation to the investigation office of the bank and they wrote to me in XXXX days : " Thanks for your patience while we reviewed unusual activity on XXXX or more of your accounts. We finished our investigation and found there was no suspicious activity. You now have complete access to your Capital One account ( XXXX ). Youll need to request a new debit card, which you can do online or through the Capital One XXXX app ''. 
I entered the app again and I saw that my checking account is still blocked. 
I thought ok, maybe I can open a new account. I tried to open an account XXXX  times and I got these messages : " We declined your application because your XXXX XXXX XXXX  deposit account score is XXXX ( on a scale of XXXX ), which we consider to be a higher risk score. 
According to XXXX XXXX XXXX, these are the major factors impacting your score '' I got blocked by mistake. This bank mistake will affect my reputation when I open the bank account again. 
I am looking forward to your letter, Thanks for your help
Consumer complaint received 2023-10-02
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. (NY)

In 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 agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK (AZ)

Discover Credit Card Copy of the letter and today 's conversation. 
Attn : Billing Inquiries XXXX XXXX XXXX XXXX, Az XXXX Notice of disputed charge to Account No. XXXX Dear Billing Inquiries Division : I am writing to dispute a charge of [ {$100.00} ] to my [ credit card ] account. The charge is in error because I called on XX/XX/XXXX and asked for the payoff/total amount owed to make a one-time final payment, I needed to provide the balance information to my bank to obtain a personal loan to pay off my XXXX and Discover cards. The interest for my Discover card is higher and I wanted to pay it off in full. When I called on Saturday XX/XX/XXXX XXXX told me the balance and advised that she will lock the total amount owed until XX/XX/XXXX, the amount owed was {$5900.00}. 

{$5900.00} {$25.00} Rewards -- -- -- -- -- -- -- -- -- -- {$5800.00} Total Balance Owed.

I was able to do my loan on Saturday and received the check on XXXX, I called on XX/XX/XXXX to make the payment over the phone and XXXX hang up my call at XXXX p.m. I had to go online to pay the total amount owed on XX/XX/XXXX. 

I called Discover card today to confirm my payment and Discover Card has changed my amount owed, Discover has no respect and was not honest at the time I talked to the Customer Service Representative, this lady gave me the Total amount owed on Saturday XX/XX/XXXX. XXXX gave me my balance owed of {$5900.00} and advised me that my total balance will be locked until XX/XX/XXXX. Then XXXX hangs up the call. On XX/XX/XXXX I went online to pay the entire balance and find out that the Discover Customer Service person lied about my balance, your company should be responsible for lying and not being honest. I am aware of your bad Customer Service, have no manners or knowledge of any professionalism, your company lies to customers, and for XXXX XXXX dollars you prefer to lose a customer that has been a customer for more than 22 years. 
I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. 
I have taped the conversation, and I will take it to court if necessary, or to the Better Business Bureau or the Treasury Department 's Office. 


Sincerely, XXXX XXXX
Consumer complaint received 2022-05-19
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account 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 # XXXXXXXX XXXX XXXXXXXX # XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-19
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed an account that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, this account must be deleted. Well I want this account deleted if they are not 100 percent right and correct. So, could you please check on this and get back with me. I saw a Credit Site and Board where this layer said you have 30 days to complete this investigation. Please investigate the following account and remove them if anything is missing or not correct on them. 

Accounts Account Name : XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 

Thank you for your time and help in this matter.
Consumer complaint received 2022-05-19
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. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX 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 Agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-19
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, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update this account completely from my Credit Reports : Account : XXXX XXXX XXXX Balance : {$17000.00}
Consumer complaint received 2022-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update this account completely from my Credit Reports : Account : XXXX XXXX XXXX XXXX : {$17000.00}
Consumer complaint received 2022-05-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (CA)

A collection for {$930.00} ( original {$700.00} ) popped up on my credit report on XX/XX/22. The creditor is Wakefield & Associates with the original being XXXX XXXX. I do not now nor have I ever owed XXXX XXXX {$700.00} or {$930.00}. I have disputed this twice via XXXX and I am waiting on XXXX dispute process. They have provided zero proof that it is in-fact my debt, and I have not previously received ANY correspondence regarding this debt by mail, phone, email, messenger pigeon , smoke signal or otherwise. It just showed up on Sunday. As if to say surprise! You owe us because we bought a debt you never owed but someone said you did and we dont care so well ruin your hard earned credit and attempt to extort and steal your money. The burden of proof falls on them.

Plot Twist : My now deceased father - who died shortly after the time that this debt originated- was a Grade A XXXX XXXX XXXX  that had a love of using my name and social security number whenever he saw it convenient for his own purposes and was constantly in and out of the hospital due to his failing health, drug abuse, and compounding poor decisions. Including countless ambulance transports. I spent years cleaning my credit up because of his dumpster fire of a life. A simple public search will reveal his and consequently my aliases as one anothers names. BECAUSE of him. Its something Ive fought for most of my adult life. And I refuse to pay for his mistakes, his garbage, and his decisions. This is abuse, extortion, theft, and a number of other abhorrent practices that Id be more than happy to elaborate on when given the opportunity to in a court. It is beyond predatory because there is no real way for me to prove that its not mine because it never existed for me. There was no documentation. Which would make sense BECAUSE ITS NOT MINE. So why would I have documentation of any kind for a surprise negative remark for a collection that doesnt belong to me.
Consumer complaint received 2022-05-19
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. (IL)

In accordance with the fair credit reporting actt the list of accounts below has my federally protected consumer rights to privacy and confidentiality under 15 Usc1681 XXXX XXXX account # XXXX in the amount of {$440.00} XXXX account XXXX XXXX amount {$510.00} XXXX XXXX  account # XXXX amount {$910.00} XXXX XXXX  account # XXXX amount {$20.00} XXXX XXXX XXXXXXXX account XXXX XXXX amount XXXX 15 U.s.c1681section 602A States I have the right to privacy.

15 U.S.C 1681 section604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 US.C1681c. ( a ) ( 5 ) Section states : 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 antedatesnthe report by more than 7 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. I havent given any written instructions or consent
Consumer complaint received 2022-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Avant Holding Company, Inc. (NJ)

A credit card account with XXXX Avant LLC was fraudulently opened in my name and the credit card company customer service has been horrible trying to get this issue resolved. Avant is telling me I have to wait 5-7 business days for the fraud department to contact me before an investigation can be done and account can be closed. When I first reported the fraud, they recorded a wrong email address and now I have to wait an additional 5-7 business days for the fraud department to contact me because of their mistake. When I reported the card being fraudulently opened on the day the identity theft applied for it, the company still mailed the card out to the fraudulent mailing address 2 days later. The company has not even assured me that this account has been frozen so that it can not be used. Avant was so fast to mail out this card even as I reported fraud on the first day of it happening but they are so slow at getting back to me to getting this issue resolved and account closed out.
Consumer complaint received 2022-04-09
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. (MO)

in accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am sending this complaint to inform you that I was a victim of Identity Theft. I have recently checked my credit report and I noticed some personal information that does not belong to me. I am in need of your help in getting rid of these items from reporting on my file. Per FCRA section 605b, the credit bureau blocks any items listed in an identity theft report. I have included some documents to help in the blocking of the fraudulent items that are found on my report. XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX
Consumer complaint received 2022-05-19
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 Report act XXXX Account # XXXX XXXX XXXX, XXXX XXXX Acct XXXX XXXX, XXXX XXXXXXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX  XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX # Acct XXXX has violated my rights. 

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

15 U.SC 1681 section 601 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-19
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. (NY)

In accordance with the Fair Credit Report act XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX # Acct XXXX has violated my rights. 

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

15 U.SC 1681 section 601 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-19
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. (AL)

In accordance with the Fair Credit Reporting act, XXXX XXXX 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 agency can not furnish a account without my written instructions
Consumer complaint received 2019-07-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NC)

Comenity Bank is the issuer of a XXXX XXXX XXXX XXXX XXXX store credit card. I paid the recommended amount of {$350.00} or more every single month ( not the minimum payment of approximately {$60.00} ) in order to avoid being charged an accrued interest payment at the end of an 18-month promotion. The last statement makes a note to list the end of the promotion period, which is a mid-month cut off date. But, the MAIN landing page of the credit card website with the ACCOUNT SUMMARY makes no mention of the end of the promotional period. The ACCOUNT SUMMARY portal on the website is where payments are made and where they recommend how much to pay on a monthly basis. The fact that the end of the promotion was not clearly identified in the ACCOUNT SUMMARY section of the website or not identified in the payment portal is very deceptive in my opinion. To my knowledge Commenity made no effort to provide email communication or notification on the main landing page of the website that the promotional period was ending or that a {$980.00} finance charge would be assessed if I did not make one last small payment of {$210.00} in the middle of the month. Further more because it was XXXX XXXX XXXX XXXX XXXXXXXX XXXX credit card and I only made 2 purchases on that credit card there would be no routine reason to check credit card statements. One of the primary reasons that people check a credit card statement is because the want to verify their purchases and make sure that there are no mistakes in their purchase history. I believe that Comenity is counting on the fact that due to the nature of the store credit card, where people clearly remember what they purchased, that they will not go ahead and read the credit card statement as they would with a traditional ( non store specific ) credit card. Comenity 's belief that consumers will not read the statements is the reason that the notification of the end of the 18-month promotion can only be found on the statement and is not identified in any other way by Comenity bank. 

In short, I believe that Comenity bank acted deceptively and they are unwilling to credit and remove the accrued interest charges. 

I will attach my statements as well as a screen shot of the Comenity Bank main landing page and XX/XX/2019 emails that I recieved from Comenity Bank.