davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
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: EQUIFAX, INC. (LA)

No actions has been taken by the company XXXX. I have taken all actions and necessary steps XXXX XXXX has asked me too. XXXX XXXX could not help me. I was passed around from department to department as you will see below as I took notes of each person I spoke with. Faxes where sent etc and I have not received any feedback/response from XXXX to have the inaccuary reportings removed from my credit report. I would like for someone to handle this matter immediately Notes On XXXX  XX/XX/XXXX, I received a call back from XXXX in the executive office stated I needed to call XXXX XXXX XXXX  at XXXX to dispute the fraudulent transactions from XX/XX/XXXX thru XX/XX/XXXX. I called XXXX XXXX XXXX Department, spoke with agent XXXX XXXX XXXX she couldnt help me and advised me to call base Collections department at XXXX where I spoke with agent XXXX ID # XXXX stated he saw in the account where I submitted those Transactions disputes a number of 3 times on the year of XXXX and they all came back valid. I expressed to XXXX that Ive requested via fax and phone for XXXX to provide proof of my responsibility of those transactions. XXXX stated I need to speak with another department at phone number XXXX and they are open XXXX XXXX XXXX XXXXXXXX. 

XXXX XXXX  XXXX called XXXX, spoke with XXXX in XXXX XXXX XXXX XXXX department where that department if customer not satisfied with dispute results and can request for proof transactions are customer responsibility. XXXX stated there were XXXX cases on file and they all your rules as valid. I requested for XXXX to send me via mail or email proof that I am responsible for the charges, XXXX stated I needed to speak with another department. I then spoke with XXXX ID # XXXX in XXXX XXXX XXXX  where she stated I had already filed XXXX cases of the same issue dates of XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. XXXX stated I needed to file another claim. At that point she couldnt help me neither. Throughout this entire process I have been getting the run around from XXXX since XXXX for this XXXX Account. No one can assist. Every department is putting the matter off on another department to where this entire process has become extremely frustrating and exhausting. I have never received any letters from chase in response to the XXXX cases that were filed. I ask for proof, they have failed to provide proof over a course of XXXX months. 

I would like for this account to be removed from all my credit profiles this negative and i account is reporting on.
Consumer complaint received 2022-03-20
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  account # XXXX and account # XXXX, XXXX account XXXX XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, and XXXX XXXX XXXX. account # XXXX has violated my rights. 

15 U. S. C. 1681 Section 602 A States I have a right to privacy.

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

15 U.S.C. 166 b States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-03-20
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  account # XXXX and account # XXXX, XXXX account # XXXX, XXXX XXXX/XXXX  account # XXXX, XXXX/XXXX  XXXX/XXXX  account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, and XXXX XXXX XXXX. account # XXXX has violated my rights. 

15 U. S. C. 1681 Section 602 A States I have a right to privacy.

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

15 U.S.C. 166 b States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

In XXXX of 2021 I applied for a XXXX credit card through CapitalOne. I was given a {$3000.00} credit limit. Most Visa Infinite credit cards come with a minimum limit of {$5000.00} per Visa Inc., so my granted credit limit is unusually low. I believe an error was made in determining my credit limit. 

Our family income is well over $ XXXX. I have been married to my husband for 47 years. My credit scores have consistently been in the 800 's for many years. When I applied for the XXXX card my scores ranged from XXXX to XXXX. I have two long-term credit cards with XXXX ; one with a {$40000.00} limit and the other with a {$12000.00} limit. My husband and I have had a joint credit card with XXXX XXXX XXXX with a {$35000.00} credit limit since the XXXX 's. I pay off my credit card balances every month on all my cards. I have fully used my credit limits on occasion. We also currently have joint interest bearing accounts with a total balance of around {$350000.00} at CapitalOne and have had accounts with them for more than 10 years. I believe CapitalOne was the only hard credit inquiry in the two years prior to applying for the XXXX card. 

My husband, who is less than one year younger than me, applied for the XXXX card several days before I did in XX/XX/2021. He has credit scores similar to mine and his credit card usage is similar. He was given a {$30000.00} credit line on two separate CapitalOne credit cards, one before I applied for my XXXX card and one after! 

I repeatedly called and wrote to CapitalOne asking for an explanation as to why my credit limit was set so much lower than my husbands. I asked them to review my credit limit for an error and was told it is all done by algorithm, no person reviews for errors or can make corrections and that I will never receive a credit increase of more than 10 % every 6 months for as long as I have the XXXX XXXX I have paid off my XXXX credit balance every month, early on several occasions, and for more than the statement balance due. I have talked with Credit Specialists, Sr. Account Supervisor, XXXX XXXX XXXX and a Case Manager in XX/XX/2021. 

The only conclusion I can reach is that Capital One 's algorithm and credit decision is sexist. 

Additionally, Capital One 's unsigned response to me dated XX/XX/2021 is misleading and not practiced based on discussions with CapitalOne employees. It is stated " credit limit increases are reviewed periodically at undefined times during the year. '' This does not appear to be the case. It appears credit limit increases regardless of use or creditworthiness are limited to 10 percent.
Consumer complaint received 2022-08-30
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. (NY)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.
Consumer complaint received 2022-10-26
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: EQUIFAX, INC. (IL)

In accordance with the credit Reporting act XXXX Account 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 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have several unauthorized/unrecognized inquires on my Trans Union Report that I do not recognize. I have submitted an Dispute to Trans Union But I have n't gotten a response. The inquiries in question are ; XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX ),  XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX.
Consumer complaint received 2022-03-20
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. (MO)

n accordance with the Fair Credit Reporting act incorrect information reported to my consumer reports violates my rights ; 15 U.S.C 1681 section 2 ( B ) States a person shall not furnish information relating to a consumer if the person has been notified by the consumer that specific information is inaccurate.
Consumer complaint received 2022-03-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2022 received a letter from bank that they were closing my business account at Chase bank. 
this has been an issue with the bank, no communication and all of the sudden my bank account is/will be closed. with many vendors and clients already with this account is difficult. I am sure. this complaint will not make any difference, but just want to put it in writing since, I feel discriminated and mistreated because of my color and race. 

No description of why they decided to closed accounts. 
just a brief note saying there was unexpected activity on the account. 

They pick and choose on how they want to serve, but they received funds from federal reserved. I am asking for help on this matter. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX  chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX their call if you have questions number is XXXX
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX is showing that I have two late payments from 2014. My student loans have always been in deferment due to me being in school. I have contacted the loan company about these late payments. I informed them of me being enrolled at the time and explained that my loans should have still been in deferment. I was also in the process of getting my loans consolidated. These late payments are hurting my credit tremendously! I should not have any late payments. As I have stated i have always kept my loans in deferment.
Consumer complaint received 2022-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

n accordance with the Fair Credit Reporting act incorrect information reported to my consumer reports violates my rights ; 15 U.S.C 1681 section 2 ( B ) States a person shall not furnish information relating to a consumer if the person has been notified by the consumer that specific information is inaccurate.
Consumer complaint received 2022-08-30
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: CREDIT ACCEPTANCE CORPORATION (WI)

In accordance with the fair credit reporting act XXXX  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 2023-07-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX  and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2020-02-21
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. (MA)

I have two accounts on my credit report that do not belong to me : XXXX/Dept Of ED - {$5700.00} BALANCE - XXXX - OPENED XX/XX/2018 XXXX/Dept Of ED - {$3600.00} BALANCE - XXXX - OPENED XX/XX/2018
Consumer complaint received 2017-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX CARD IS REPORTING 1 ( 30 ) DAY LATE IN XXXX, 2016. THIS IS FALSE AND UNTRUE. I PAY ALL OF MY BILLS EACH MONTH.
Consumer complaint received 2022-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I am XXXX XXXX, I have recently reviewed my credit report and noticed several unauthorized and inaccurate inquiries reported to my profile. Pursuant to 15 USC 1681b, when the consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am demanding these inaccurate inquiries be investigated and removed immediately. 
INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-13
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)

on XX/XX/XXXX I wrote to you to inform you that you are reporting inacurrate information of about me on my credit reports. You claim that your clients XXXX, XXXX and XXXX both have the right to report an unknown and frauduently opened account on my never before used credit. I have not yet had the opportunity to use my credit and some one has opened an account that you and these companies have verified as owned. I wrote to both of these companis and requested full validation made pursuant to the Fair Debt Collections Practices Act and the Fair Credit Reporting Act along with the corresponding local state laws. 

My request to the bureaus XXXX ; Trans Union and XXXX that I require validation that is competent evidence bearing my signature showing that I had some contractual obligation to pay. 

These collection companies have been reporting a frauduently opened account to the ( 3 ) reporting bureaus for nearly ( 2 ) yerars and have paid no attention to my request to validate because the information is incorrect. The collection agents have taken it upon themselves to continue to knowingly provide incorrect information about me to the credit bureaus and the credit bureaus will be delivering false information if they reply that this account is verified.
Consumer complaint received 2022-08-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (NC)

My student loan when I attended XXXX XXXX were federal loans. Somehow Navient is now showing it as an XXXX loan which does not allow me to have {$10000.00} forgiven. When asked for my paperwork showing the change in my loan I was just told that it's in income based deferment till my issue with a for profit school I attended is resolved. I have already paid off that loan through another servicer. I want to see the forms that I signed where I consolidated my original loans from NY State Higher Education from a federal to a private loan.
Consumer complaint received 2017-08-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Resources, Inc. (CA)

On XX/XX/XXXX we signed a contingency form providing our $ XXXX. deposit. On XX/XX/XXXX we, my sister and I submitted an application for a mortgage. As of today 's date no definite response has been provided from the mortgage company AFR, American Financial Resources. On XX/XX/XXXX our contingency date was up on our mortgage commitment. We were told that the appraisers had sent an incorrect form, then there was a problem the AFR could not open the file sent from the appraisal. Our realtor applied for a two day extension with the sellers, as we were told that the appraisal had held back the commitment of the loan. On XX/XX/XXXX we signed a second contingency form as there was still not commitment forth coming. The reason given for the lack of commitment was the underwriter was on vacation and the loan was sent to another examiner. On XX/XX/XXXX we signed a third contingency from the reason given the loan processor required a change in the insurance policy of the complex. I would have thought the insurance policy of the complex should have be reviewed at the beginning of the loan origination. My sister and myself have signed numerous letters of explanation as well as provided numerous pay stubs and bank statements, employment verification 's. I do realize that this is part of the loan process. However, my sister received a phone call from one of the examiner 's he said he was calling the utility company to verify her balance with the utility company. When all parties were on the line he asked the representative if she was delinquent on her account. It turned out she was on a payment program. She lives on the east coast and heating raises the bill during the winter months. My addresses were verified as far back as XXXX. Almost twenty years ago .... I was also asked if I was ever married. Then I was asked how many times. I am applying for a loan based on my income. My marriage ended in XXXX. We have both felt under excessive scrutiny, and delay tactics. The complaint is about two things : First the length of time for the approval Second, is there a scrutiny tactic at work here based on sexism? I would appreciate the follow up service you can provide.
Consumer complaint received 2021-02-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

i received the XXXX statement in XXXX saying i owe {$210.00}. my normal payment is XXXX but since i been paying over and above the amount i m ahead, so i proceed to pay XXXX which more than cover what the statement says i owe. ( is what i do normally-i never pay the bare amount to get by ), so then after paying the XXXX i was given a statement that says i still owe another XXXX within the same billing cycle. i called several representative. they read me the entire payment history and says i still owe, because i had several deferments. a deferment meaning it's put to the end of the loan. but nope. i owe it. and 2 representative proceed to tell me that TOYOTA FIANCIAL DOES NOT SEND OUT ACCUATE STATEMENTS and i should check online or call in to find out what is actually due each month. so basically toyota found a loop hole, sending out false monthly billing statements, and if not careful you can be charged a late fee or reported as late on your credit. i also escalated my call to XXXX who promise to call me back, that was 2 weeks ago. never called. so now i would like CFPB to step in. as i will monitor closely all the statement toyota sends out and report this as i am told statements sent out by Toyota Financial are not accuarate. this may the the start of a class action lawsuit. please help not just to get a response but help investigate toyota financial 's lending practice ... thank you
Consumer complaint received 2022-10-26
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. (IL)

In accordance with the credit Reporting act XXXX  Account 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 2022-03-20
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. (PA)

I just reviewed a copy of my Experian credit report and found the following information to be an error. I am a victim of identity theft and did not make these charges. I reported the theft of my identity to the Federal Trade Commission.
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MA)

About 4 yrs ago i was a victim of identity theft my credit was being pulled and account were made that was not me their also alot of inquiry that i did n't authorize from XX/XX/XXXX till XX/XX/XXXXlike car loans credit cards and other agencies
Consumer complaint received 2017-08-17
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. (CA)

XXXX is reporting a different amount owed on each credit report. Non of the balances are the same and they each differ some by over {$2000.00} in balance. I 've sent letters in the past asking them to correct the issues but the balances still remain uneven. XXXX just removed two of the loans but XXXX and experian has not.