davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-31
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Kohls doubled my monthly minimum on an account that has remained with a relatively consistent balance without explanation. Ending with my XX/XX/XXXX bill, the minimum payment had been around {$43.00}. On XX/XX/XXXX, I owed for both XX/XX/XXXX and XX/XX/XXXX and paid {$120.00} through the XXXX. At that time the XXXX indicated I was due for {$80.00}, even though my XX/XX/XXXX payment was due on the first. I paid the {$120.00} believing it would cover XX/XX/XXXX and XX/XX/XXXX. The minimum payment moved from {$43.00} in XX/XX/XXXX to {$80.00} in XX/XX/XXXX, to {$82.00} in XX/XX/XXXX, and again in XX/XX/XXXX. I called Kohls to inquire about the increase in my minimum due to try to receive an explanation. Instead, I was told I was not entitled to it and left on hold for over 15. 

During my first call I was told that it was because myXX/XX/XXXX payment was a day late. In reviewing my account information, I demonstrated to the agent that there were late pays in the past which did not result in an increase in the monthly balance. We next reviewed how the account balance would affect the minimum, and agreed that my balance had not increased. She could not figure out why the minimum doubled and attempted to get me to a Supervisor, after XXXX minutes of hold music, I was transferred to a voicemail box. 

On my second call in, I was told the same thing about XXXX payment, and proceeded to correct the agent, I asked the agent several to provide me the numerical factors by which a minimum payment it is calculated. I was told it was on the statement. When I asked to review the statement the agent could not tell me where on the statement this information could be found. Ultimately, it was explained that I am not entitled to the information that comprises how my monthly payments are calculated. He stated, it is based on numerous factors none of which can be numerically disclosed.
Consumer complaint received 2019-01-31
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. (FL)

I have been the victim of identity theft accounts were opened in my name fraudulently. 

- My current address ( copy of lease attached ) as of XX/XX/XXXX is : XXXX XXXX XXXX XXXX XXXX, FL XXXX  - Previous Address 6 months prior : XXXX XXXX XXXX XXXX XXXX, FL XXXX  - Previous Address for two years prior : XXXX XXXX XXXX XXXX XXXX, FL XXXX  I previously submitted a paper affidavit that was notarized and now I am including the official FTC Identity Theft Report filed with the report number. The following accounts are fraudulent and not mine. 

I have been the victim of identity theft the accounts were opened in my name and not done by me : 1 ) XXXX  Acct # XXXX  2 ) XXXX XXXX   Acct # XXXX  3 ) XXXX  Acct # XXXX  4 ) XXXX  Acct # XXXX 5 ) XXXX  Acct # XXXX 6 ) XXXX XXXX Acct # XXXX  7 ) XXXX  Acct # XXXX  8 ) XXXX XXXX Acct # XXXX 9 ) XXXX XXXX Acct # XXXX  10 ) XXXX XXXX XXXX Acct # XXXX  Please remove the following fraudulent inquiries not made by me : XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-01-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I Bought a car from XXXX cars located at XXXX XXXX XXXX XXXX, XXXX XXXX PA. The business has since closed and I'm on the hook for a loan on a car that can not be registered and titled. I have reached out to CapitalOne, the county Clerk, the civil court deptXXXX, filed a complaint with XXXX and consumer affairs. I am recently out of bankruptcy and and was horribly taken advantage of. I am stuck paying for a car that I can not drive and can not afford to get another car without this one affecting my credit. Please ..please help me. I am unable to work and get my kid around because of this horrible experience.
Consumer complaint received 2019-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Dear Sir/Ma, I am writing to dispute information on my credit report to be accurate under the FRCA. There are several this on my report is not correct. Starting with XXXX  XXXX that account is reporting wrong. The first thing is why were they reporting charge off after my charge off date. This account was charge off in XXXX but they reported every month in XXXX c/o. The other issue is why are they showing a balance when it was charge off. I want this account removed off my credit report under FRCA guidelines. The other account is with XXXX XXXX/XXXX  XXXX XXXX. They report my charge off date is XXXX actual my charge off date is XXXX. Why they were reporting every month after that c/o. That does not make sense to report c/o every month after that. They are violating my rights under FRCA guidelines. Please delete this from my credit report. This is another company I am having problems with. I was on a payment plan to get caught up on my loan but they were not to report me being late on my credit report, It was in the year of XXXX XXXX, XXXX, XXXX, XXXX. Please delete this from my credit report due to reporting wrong on my credit report under the FRCA guidelines. XXXX is another one why if this account was charged off in XXXX, why would you report after that date c/o every month after that. I should have one c/o date. Please delete this off my credit report. under the FRCA. It is paid now. The other one is XXXX, I only should have one charge off date not several. Why would you still report c/o after my charge off date? Please delete this from my credit report under FRCA guideline.
Consumer complaint received 2019-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (FL)

Dear Sir/Ma, I am writing to dispute information on my credit report to be accurate under the FRCA. There are several this on my report is not correct. Starting with capital one that account is reporting wrong. The first thing is why were they reporting charge off after my charge off date. This account was charge off in XXXX but they reported every month in XXXX c/o. The other issue is why are they showing a balance when it was charge off. I want this account removed off my credit report under FRCA guidelines. The other account is with XXXX XXXXXXXX XXXX XXXX. They report my charge off date is XXXX actual my charge off date is XXXX. Why they were reporting every month after that c/o. That does not make sense to report c/o every month after that. They are violating my rights under FRCA guidelines. Please delete this from my credit report. This is another company I am having problems with. I was on a payment plan to get caught up on my loan but they were not to report me being late on my credit report, It was in the year of XXXX XXXX, XXXX, XXXX, XXXX. Please delete this from my credit report due to reporting wrong on my credit report under the FRCA guidelines. Lowes is another one why if this account was charged off in XXXX, why would you report after that date c/o every month after that. I should have one c/o date. Please delete this off my credit report. under the FRCA. It is paid now. The other one is Walmart, I only should have one charge off date not several. Why would you still report c/o after my charge off date? Please delete this from my credit report under FRCA guideline.
Consumer complaint received 2023-01-21
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. (IN)

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 - ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX - ACCOUNT - # XXXX has violated my rights. 
XXXX XXXXXXXX XXXX  - ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights. 
DEPT OF ED/XXXX - ACCOUNT # XXXX has violated my rights. 
DEPT OF ED/XXXX - ACCOUNT # XXXX has violated my rights. 
DEPT OF ED/XXXX - ACCOUNT # XXXX has violated my rights. 
DEPT OF EDXXXX  - ( CLOSED ) ACCOUNT # XXXX has violated my rights. 
DEPT OF EDXXXX  - ( CLOSED ) ACCOUNT # XXXX has violated my rights. 
XXXX XXXX ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX INQUIRY DATE - XX/XX/XXXX has violated my rights. 
XXXX XXXX XXXX XXXX INQUIRY DATE - XX/XX/XXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX INQUIRY DATE - XX/XX/XXXX has violated my rights. 
XXXX XXXX XXXX XXXX INQUIRY DATE - XX/XX/XXXX has violated my rights. 


15 USC 1681 ( a ) ( 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.

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

15 USC 168c ( a ) ( 5 ) Except as authorized under subsection ( b ), 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 USC 1681s-2 ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors 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 2018-04-19
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. (SC)

I have asked all three credit bureau 's to remove the public record from all my credit reports because it is a clear violation of the Fair Credit Reporting Act and they are claiming to get information from the Bankruptcy Court. They claim to get information directly from the courts. I have attached documentation from the court and from all three credit bureau 's. XXXX had removed the public record then they re-inserted it causing my fico score to suffer.
Consumer complaint received 2023-01-26
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)

I sent a dispute to the credit bureaus on XXXX XXXX 2022 in regards to my account XXXX XXXX account number XXXX and its been

over 45days no respond. this is grounds for removal. The credit bureaus also violated theres rights under these laws : 15 U.S.C 1666B : A creditor may not tre at a payment on a credit card account under an open end consumer credit plan as late for any purpose 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 i attached the copy of the dispute
Consumer complaint received 2022-08-29
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: AMERICAN HONDA FINANCE CORP (TX)

In accordance with the fair credit Reporting Act American Honda Financial account # XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-01-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cash Express, LLC (TN)

I got a payday loan but due to financial stress and other family issues I was out of work for a month or so. I was unable to pay the payday loan I took out with Cash Express in XXXX XXXX, Tennessee back in XXXX. About XXXX of XXXX ( roughly XXXX of XXXX ) I tried to call them to let them know they could expect payment from me when I was regularly working again in XXXX. The lady who was named XXXX I believe was very mean and said we are going to collect on your debt and no we cant work anything out. You cant be trusted. Youve made your bed, now lay in it. And promptly hung up. Since then I have been struggling to catch up on other bills first, since I was unable to resolve the issue with them. They then began to call me multiple times a day, averaging about 8-10 times from the same number. Im finally sick of it after they have called me 29 times today ; XX/XX/XXXX.
Consumer complaint received 2019-01-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I went to bank of America and spoke with XXXX XXXX a financial advisor I told him I want to invest conservative and I wanted money payed to me monthly and I wanted XXXX and XXXX stock he took XXXX out of my checking account from bank of America back in XXXX 2018 the next day I was losings thousand of dollars I had a fit and wanted to close my account he sed relax it will be AL wright as a mater of fact don't look at the account anymore I promise you wont lose your money well I did loose money I have all the papers I have talk to his manger no luck. he miss handle my account very badly I have witness that heard me say I want XXXX and XXXX and maybe XXXX I got only a few share I should have had more then that also wen I need money because this was to give me monthly payment to live on he began to be sassy own ill sell this which would money until I sed why are you selling that I would have lost about three thousand more I also found out he did not invest me conservative he when more aggress anther agent told me that they wont give me my money back he works for XXXX XXXX I lost thousand of dollars he saw me coming and took advance of me this is false pretense he sed I would make at lease 25-30 thousand profit instead I lost my money not all but lot of it.iam sorry I trusted him
Consumer complaint received 2019-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

The problem with Paypal mastercard is obvious. I made a call to paypal and was told by the paypal fraud report that an amount incurred was going to be refunded as I did not authorize the amount charged. ( It was a payment made to an unknown company in XXXX XXXX California ) The charges occurred during times thT I had reported my card stolen and in days the card was already stated as voided. The replacement card took a long time to arrive. During that period of time, I am supposed to have made a payment. At arrival of the new card, I have been trying repeatedly to add the paypal new card to make the payment and paypal system refuses to add the card. That makes me to be late and unable to process the  payment. Therefore I am eaten in interest and late fee while is not my fault but the negligence of the company in not processing the card soon and their system not taken the card to add a payment. Please help. this has to be clarify. Thank you
Consumer complaint received 2019-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

Dear Sir/Ma, I am writing to dispute information on my credit report to be accurate under the FRCA. There are several this on my report is not correct. Starting with XXXX XXXX that account is reporting wrong. The first thing is why were they reporting charge off after my charge off date. This account was charge off in XXXX but they reported every month in XXXX c/o. The other issue is why are they showing a balance when it was charge off. I want this account removed off my credit report under FRCA guidelines. The other account is with XXXXXXXX XXXX XXXX XXXX. They report my charge off date is XXXX actual my charge off date is XXXX. Why they were reporting every month after that c/o. That does not make sense to report c/o every month after that. They are violating my rights under FRCA guidelines. Please delete this from my credit report. This is another company I am having problems with. I was on a payment plan to get caught up on my loan but they were not to report me being late on my credit report, It was in the year of XXXX XXXX, XXXX, XXXX, XXXX. Please delete this from my credit report due to reporting wrong on my credit report under the FRCA guidelines. XXXX is another one why if this account was charged off in XXXX, why would you report after that date c/o every month after that. I should have one c/o date. Please delete this off my credit report. under the FRCA. It is paid now. The other one is XXXX, I only should have one charge off date not several. Why would you still report c/o after my charge off date. Please delet this from my credit report under FRCA guideline.
Consumer complaint received 2018-04-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

XXXX XXXX XXXX XXXX Account Numbers - XXXX   Case Numbers - XXXX  County OH Municipal Court XXXX & XXXX XXXX XXXX  For the past 10 months XXXX XXXX has been attempting to collect monies on that are incorrect. Both account numbers and amounts owed are totally incorrect. They have misrepresented themselves in Court stating that I have received proper notice and service. They call everyday without leaving a message. When I pickup the phone to answer they disconnect the call.

I have called them directly and left messages with no callback. They have reported this to the Credit agencies incorrect information. They have cause emotional distressed with a person who is suffering and being treated by doctor 's for XXXX and XXXX.
Consumer complaint received 2019-01-31
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA (PA)

This is a public Audit Demand to retain all documentation proving that all Interest calculated on the account is being APPLIED appropriately. Due to some unfortunate situations in dealing with AES, I've been forced to demand this. If AES fails to produce the documentation I seek, I will make sure to obtain this through the use of my legal rights that pertain to the law. In Summary, AES has resources within their domain who tend to admit when something is right or something is wrong and yet, whenever I ask for the proof of this, they say they don't have it and that it's up to a different department to provide the information requested. AES also fails to provide which accounts they're applying any portion of interest, which misleads the borrower into thinking the interest is being applied as the law says it should. I have yet to believe that AES is doing ANYTHING RIGHT, and stand by that argument until AES can produce evidence suggesting otherwise. I'm in full consideration of seeking legal help to justify my aforementioned claims, because, as a collective, all borrowers that have to be instrumental in dealing with this company will never get the wasted time and money back for the egregious behavior this company is known for and all the headaches that have been distributed to all of these borrowers. They refuse to take ownership of their dysfunctional system and instead refute the claims and " blame '' the lender agreements, without citing which specific detail would cover that. 

Secondly, it's not mere coincidence that all Consumer Affairs websites such as the XXXX and the likes all have comments from borrowers who have the same issue with this company or similar issues. 

I absolutely believe that all of the issues mentioned here have to do with a disfigured conspiracy between legislators and the top executives within this organization. I speak for millions of borrowers and so does XXXX XXXX!
Consumer complaint received 2018-04-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: HYUNDAI CAPITAL AMERICA (TX)

The complaint is against XXXX XXXX XXXX. They take interest out of extra principal applied each month. I called in to correct it and was told that customers have to call in to correct it each time. My question to them was why should a customer have to call you each time? 2nd- what if I never called you? I want to know if a customer never calls you about extra money sent for principal- what happens to the interest you deducted? Does Kia keep it if I never call you? I think their current system promotes loan fraud and should be investigated. I contacted them XXXX18 and they could not answer my questions. They did say they would correct my payments, but I have not seen that applied. I need to know what the ETA is.
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

Your company has violated my RIGHTS! I recently received your report and I am in shock. The account is listed below : Reference # - XXXX Date - XX/XX/2019 Delete the account immediately! 

According the FCRA, you have ALREADY VIOLATED 2 LAWS : 1. 15 usc 1681 ( a ) XXXX XXXX XXXX Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) XXXX XXXX  ) No Permissible purpose/ No written instruction Also attached is a court response stating " The U.S. Bankruptcy Court , XXXX XXXX of Texas does NOT report information to any credit reporting agency. And do not supply credit bureaus/CRA 's with verification of bankruptcies or public records. ''