davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (OK)

I have been reaching out to this company for over a week via email and phone. I can not get any response from customer service. Recently my bank account I had linked to the account has been compromised and I am unable to access or use it at the moment. I have opened a new bank account and currently need to update it so I can make payments to close this account. They do not allow you to make this change on the website or app. You have to contact customer service to do such. But when you call and press XXXX to speak with an agent it says none are available. I have tried every work day for about a week and all throughout the day. I have sent numerous emails regarding this and still have not received a response. This is becoming extremely frustrating and not sure if this is even legal. Because I can not make payments with my new bank account I am receiving interest and late payment fees. Along with this I will receive a missed payment or late payment on my credit score which is at their fault because no customer service. 

Thank you, XXXX XXXX
Consumer complaint received 2019-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

On XX/XX/XXXX I applied for, and was approved for, the Capital One Spark credit card. Under the terms of the card agreement, Capital One agreed to pay me 2 % cash back on all purchases as an enticement for me to use their card. Because of this, I used their card for numerous purchases. All purchases were in accordance with their terms and conditions. Capital One paid the 2 % cash back up until they sent me an account closure letter, dated XX/XX/XXXX. 

The reason for closure - We have observed activity on a past or present Capital One account that is not consistent with our expectations of usage for commercial or small business purposes. 

As you'll notice, Capital One did not say they were closing the account due to any breach of the terms and conditions on my part. I used the card in accordance with Capital One 's agreement with me. I do not understand why they closed the account. I was never late for an account payment, and I used their card heavily, as I thought that was what they wanted, since they offered a generous spending bonus. 

As of the XX/XX/XXXX closure letter, there were 18 transactions on the account that had either not posted or had not received 2 % cash back. These transactions totaled {$27000.00}. Capital One owes me {$540.00} cash back for these purchases. They have refused to pay me cash back for any of these purchases.
Consumer complaint received 2022-04-28
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. (AL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account 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 also states a consumer reporting agency can not furnish an account without my written instructions.15 U.S.C 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 2022-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (IL)

My checking account was hacked while I was at work I received an email about the incident and immediately called in to dispute the transaction. I was told they would investigate the incident, no investigation was conducted they immediately denied my claim and said it was no error, I called to speak with a supervisor by the name of XXXX and she instructed me to send in a timecard and my funds should be released back to me, I did send in that timecard which shows my hours of work and still my claim was denied. All I need is a proper investigation to be done so I can receive my funds back to me which I have worked hard for. I also had my card in my possession at the time of the incident, and the representative said she never heard of something happening like this before so their minds was already made up that I did this to myself so they wouldn't have to return my funds to me.
Consumer complaint received 2021-06-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (NY)

To Whom It May Concern We have been going through a modification process for over six months with Flagstar Bank, without a final decision. We are reaching out requesting assistance in the process. We do not know who else to discuss this matter with and have resorted to the Consumer Financial Protection Bureau for assistance. We are currently working with a Home Loan Advocate ( HLA ). Email address : XXXX. Phone number : XXXX XXXX XXXX XXXX. The team leader is XXXX XXXX. Email address : XXXX. Phone number : XXXX XXXX XXXX XXXX Please assist us in getting this process resolved. Thanking you in advance for your assistance in this matter.
Consumer complaint received 2019-03-09
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)

I disputed account # XXXX XXXX XXXX XXXX  on my credit report due to inaccurate information. The account was deleted. I checked my report and noticed that the account was added back to my report. I called Experian today XX/XX/XXXX to ask why wasnt I notified in writing about the account being added back to my report. The rep XXXX told me the account was never deleted which is a lie because I have proof it was deleted from EXPERIAN! I would like the account deleted. I have inaccurate information reporting on my report and Experian is the only reporting bureau that seems like they are not investigating properly.
Consumer complaint received 2022-04-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Prosper Marketplace, Inc. (CA)

PROSPER IS REPORTING LATE PAYMENTS TO THE XXXX CREDIT BUREAU WHICH IS NOT CORRECT SINCE ALL PAYMENTS MADE TO THAT COMPANY HAVE BEEN MADE ON TIME AS AGREED DUE TO THESE NEGATIVE REPORTS, MY CREDITORS HAVE LOWERED THE CREDIT LIMITS, WHICH IS ALREADY A DIRECT AFFECT ON MY INTERESTS, SO I HOLD PROSPER RESPONSIBLE FOR THE CIVIL DAMAGES CAUSED TO MY PERSON IN PARTICULAR
Consumer complaint received 2019-03-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (NV)

HIPAA VIOLATION ... .Please be advised I have requested " validation '' { not verification } of XXXX itmes you reported to the credit bureau.I have received a response that clearly violates my rights according to HIPAA . 

XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2021-12-09
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous 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 THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXXXXXX-Balance {$39.00} XXXX-Balance {$260.00} XXXX-Balance {$180.00} XXXX XXXXXXXX XXXXBalance {$0.00}
Consumer complaint received 2018-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

There are 2 Accounts listed erroneous by your company. I am disturbed that you continue to list a dismissed file bankruptcy as confirmed. I am aware that you receive your information from a third party verification system known as a XXXX  XXXX. This system is sometimes inaccurate because of the limitations of providing a complete social security number. Although it is your policy to keep reporting bankruptcy that is filed dismissed or adjudicated for 10 years, The Fair Credit Reporting Act mentions nothing in section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order for relief. Any case civil or otherwise which is dismissed no longer exists in the eyes of the law and the case file may have never been adjudicated. You have no right to obtain information which the government had deemed non existent. It is only fair that in accordance with section 1681 ( a ) of The Fair Credit Reporting Act you delete this from my credit report and send me an updated copy considering it does not require an investigation i would appreciate your response within two weeks from the date you receive this letter. 

XXXX XXXX XXXX
Consumer complaint received 2019-03-09
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. (OH)

I have a company that I have never done business with that is reporting a fraudulent account on my Credit Report. XXXX XXXX XXXX I do not have a loan or contract with them this account is Unverified the is not details or address to contact WTH? Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. PLEASE MAKE SURE MY CORRECT INFORMATION IS IDENTIFIED DOB XX/XX/XXXX SS XXXX Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2020-08-26
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. US DEP ED XXXX {$2300.00} XXXX XXXX {$460.00} XXXX   XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX {$1900.00} US DEPT ED XXXX {$3200.00} XXXX/XXXX XXXX {$2000.00} XXXX XXXX {$2000.00} US DEP ED XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX {$890.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2022-04-28
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. (AL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account XXXX, 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 also states a consumer reporting agency can not furnish an account without my written instructions.15 U.S.C 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 2018-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Hello this is my second letter and it seems to me as if youre not going to respond back. Its been over 30 days and still I have errors on my credit file. I am disputing the erroneous accounts as an internal dispute and as an affidavit. 
I have received a credit report claiming that i owe on debts. To my knowledge I am unaware of the erroneous information your company continues to report. Since this is an error, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof. You didnt and it has been over 60 days, by law you are to remove the accounts listed permanently and immediately. No creditor or credit agency contacted me to ask for my consent so youve broken the law. Please remove within 24 hours or things will get really ugly. 1. XXXX XXXX 2. XXXX Now 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I have a line of credit with Capital One, which recently shifted from interest only to principal and interest. This change created a financial hardship which was communicated, as I could only afford to continue interest only payments. While I continued to make interest only payments, Capital One discovered that I was connected to my employer 's investment account as a signer. 

Funds from this organization, ( XXXX XXXX XXXX ) were drafted on XX/XX/2022 in the amount of {$2100.00} and on XX/XX/2022 in the amount of {$2000.00} for a total of {$4200.00}. 

I was notified by the accountant of XXXX XXXX XXXX that a " right to offset '' charge was noted on bank statements. Upon further research it was determined that these funds belonging to XXXX XXXX XXXX had been seized to satisfy my personal debt. 

The inappropriate handing of this matter has exposed my personal business to an employer that has entrusted be with fiduciary responsibility, caused great embarrassment, and is creating an adverse situation regarding my position. 

Furthermore, XXXX XXXX XXXX is a non-profit, XXXX ( c ) XXXX corporation organized in the State of Louisiana and I am not an owner, director or stock owner in this corporation nor is XXXX XXXX XXXX responsible or obligated for any of my personal obligations.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION COMPLETELYFROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX MI XXXX
Consumer complaint received 2019-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

My new Chase card came with an offer. Spend $ XXXX within 3 months of account opening and we'll give you XXXX bonus points. 

Chase sent my card to a PO Box , even knowing that a PO Box would get bounced back in the mail. So I called and gave them my physical address. But they sent it to the PO Box again. So it never made it to me. 

So I called again, gave them my address, and they sent it to the PO Box AGAIN! At least, this time they used XXXX and it made it there. 

So 3 times to the wrong address, and a month and a half later, I have my card. I was told by customer service they can take a look at extending that introductory offer window. They said marketing will take a look at it and give you a decision in 7-10 business days. 

A month later, no answer. I call, and the customer service rep re-escalates. Here we are, again 10 business days later, and still no answer. 

They haven't lived up to their end of the deal, why should I pay my balance? But what is my recourse?
Consumer complaint received 2019-03-09
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: USCB Corporation (FL)

USCB Corp. has attempted to collect this debt by threats and also placing the debt on my credit report more then 3 times. I find this very unprofessional and all deb5ts should only be reported once on a single persons account not twice and not even three times. Not only is it making the debator 's look bad but its also making the three bureaus look unaware and careless to report something correctly and truthfully. Account # XXXX should only be on this credit report once not three times or more. 

I would appreciate if this error was reported and handled properly. 

thank you XXXX XXXX
Consumer complaint received 2023-04-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC (CA)

I paid off my mortgage with Cross Country Mortgage on XX/XX/2023. I have not received any documents from them showing payment of my loan, including Deed of Reconveyance. I contacted them about 10 days ago and still no response. 
I want to make sure that my loan payment is properly recorded and property is clear of any obligation.
Consumer complaint received 2021-06-02
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Revco Management, LLC (NV)

XXXX XXXX XXXX XXXX  did not send me any notifications of a car payment was behind or in repo status. My husband had the car. Me and my husband separated due to XXXX  XXXX over a year and half now. My husband also got {$5000.00} money from XXXX XXXX for the car in which I recently found out. 
I was getting the run around last year due to covid 1to reclaim 9 in which was going on sent 2 letters to XXXX XXXX XXXX XXXX  with no reply. I was the co signer on the loan in which i could never get no real information to the loan by XXXX XXXX XXXX XXXX. 
I never received any letters of payments behind or the car went into Repo status with XXXX XXXX XXXX. 
There was no notice to reclaim the car in repo or any letters mail to me of any kind to the said car. 
I now received a letter from Revco solutions in which is a collections company. 
I have also talk to attorney about this situation with this loan about notice of the the car payments behind and no letters to reclaim the car when it was going into repo status from XXXX XXXX XXXX.
Consumer complaint received 2018-03-05
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. (FL)

Hello this is my second letter and it seems to me as if youre not going to respond back. Its been over 30 days and still I have errors on my credit file. I am disputing the erroneous accounts as an internal dispute and as an affidavit. 
I have received a credit report claiming that i owe on debts. To my knowledge I am unaware of the erroneous information your company continues to report. Since this is an error, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof. You didnt and it has been over 60 days, by law you are to remove the accounts listed permanently and immediately. No creditor or credit agency contacted me to ask for my consent so youve broken the law. Please remove within 24 hours or things will get really ugly. 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX Sincerely XXXX XXXX