davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have expressed my concerns with Capital One regarding my second credit card which ends in XXXX I have had 3 executive office representative have the same answer but there is no resolution. I was denied a credit increase from Capital One a couple of months ago. They stated the reason for this denial was that my payment was returned. I have made my payments on time to Capital One for years!!! I only wanted the {$250.00} increase on the first card. I was encouraged to apply for a second card by a Capital One representative. I was approved but the interest rate is 24.99 % which is absolutely too high of a percentage. 

I have expressed to Capital One that I only wanted the increase from the first card. I have a good payment history and should have not been denied the credit increase. I now have another credit card in which I really did not want the extra debt! The fees are extremely expensive and told Capital One that I think that this was a ploy to give me another card so that I could owe Capital One more money!!
Consumer complaint received 2021-05-24
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX  that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC. (SC)

I needed to do a temporary lift of my credit freeze with all 3 agencies. XXXX   and XXXX  were a breeze, their websites worked flawlessly and quickly. 

I have spent 45 minutes on the Equifax website, which keeps timing out with no success. I called their customer service line, who informed me that he was customer service, not the credit freeze department, tried to sell me a product. 

At this point I'm waiting for " the credit freeze department '' to open so I can call that number at XXXX (! ) and try to get those folks to help me. 

Here 's the sad part ... .my sister works for Equifax . When I was venting to her, her response was " Yep, that sounds about right. '' Even their employees know that they are a terrible organization. 

Hold their feet to the fire and make them perform. They have the funds to fix this!
Consumer complaint received 2018-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FULTON FINANCIAL CORPORATION (DC)

I received a letter from DC Tax office last month stating that I didnt pay my taxes for the first half, as a result I owed {$810.00} plus XXXX in penalty. I was confused and I reached out to my loan officer ; XXXX XXXX, who confirmed that I paid my taxes at closing and they would take care of the tax bill including the penalty because it wasnt my fault. 
On XX/XX/XXXX, I received a letter from DC property tax office which confirms that my Tax AbatemenXXXX application has been approved and I do not have to pay property tax starting XX/XX/XXXX till XX/XX/XXXX. I emailed this letter to XXXX XXXX, who again confirmed he had forwarded the letter to the loan department. 
On Friday XX/XX/XXXX, I received a letter from XXXX Bank that my mortgage payment will go up starting XX/XX/XXXX? My monthly payment should decrease starting XX/XX/XXXX because I do not have to pay property tax till XXXX. 
I have called the number on the letter that was mailed to me, only to find out that XXXX Bank do not have a customer service department for mortgage loan servicing, just a general customer service reps who do not have a clue what I was talking about. 
I reached out to my loan officer, who just said I should call customer service. 
This is ridiculous and upsetting and someone has to be responsible for their negligence.
Consumer complaint received 2018-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On or about XX/XX/2018 XXXX XXXX ) and XX/XX/2018 XXXX XXXX ), I was locked out of my checking account and unable to make ATM deposit 's ( due to ongoing malicious and internal ( Bank ) retaliation ( previously filed CFPB complaints ) and discrimination ( based on race, age, disability, national origin and sex ). Recently ( XX/XX/2018 ), I visited a local branch for the purpose of changing my PIN NUMBER ( CHECKING ACCOUNT ). However, my PIN NUMBER was changed ( internally ) by the bank ( locking me out of my personal checking account and preventing me from using my ATM/DEBIT card for transactions. The bank was asked ( in writing via CFPB ) to change AND restore my PIN NUMBER ( XX/XX/2018 ) back to my chosen PIN NUMBER on XX/XX/2018. As of today, the bank have REFUSED to adhere to the applicable laws which govern them ( violation of my privacy ). The bank and XXXX 's ( bank employee in the Executive Office ) ongoing, tolerated and maliciously practiced DISCRIMINATION and RETALIATION/REPRISAL continues to be practiced ( in an effort to force me to CLOSE my checking account ). Any and all information provided to the CFPB is for the use of the CFPB and shouldn't be used by the bank or it's subsidiaries. ALL supporting documentation, will be faxed to the CFPB.THE END!
Consumer complaint received 2023-03-24
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. (NV)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please delete the account below : XXXX XXXX XXXX
Consumer complaint received 2021-04-06
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: JPMORGAN CHASE & CO. (TX)

I believe Chase Bank in adjusting the credit limit on my card did ultimately was racially motivated and did so without a full and thorough review of the account. Over the course of the 5 plus years of being a Chase customer their listed reasons for reducing my credit limit have been in play but yet they never reduced my limit previously. I believe Chase may have a practice of reviewing the accounts of minority customers and making these adjustments randomly with no consistent usage of their own internal rules.
Consumer complaint received 2019-05-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (FL)

I ported my phone number out of XXXX and moved to XXXX XXXX XXXX. I did this the day of my bill being due for the next months cycle. When I called to dispute the {$94.00} bill, a polite female representative from XXXX told me I had a {$94.00} bill due for next month, but she decided she was going to wipe that since It's the day it was due and my number had already been ported out, and in her words said something along the lines of " I'll give you a break ''. I was very thankful. 

That day of I lost access to my XXXX online account, the area where I'd see my bills, pay bills and manage anything I had to do with XXXX. 

4 months later I see a derogatory remark on my credit report that this bill was actually not removed like the XXXX representative, but in fact kept secret from me and sold to a debt collection agency. XXXX made no effort whatsoever to reach out to me to try and charge me for this bill and instead went straight to debt collections, all while I assumed it didn't exist. 

I disputed with XXXX, 2 days later it was removed from my credit report. 
I disputed with XXXX, 4 days later it was removed from my credit report. 
I disputed with XXXX, 14 days later they concluded that the debt was legitimate and will not remove it. 

I've been on calls with Amsher debt collection, XXXX and XXXX wasting hours and hours of time trying to resolve this to no avail at this point.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX XXXX.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being XXXX by the FTC.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings (TX)

On XX/XX/XXXX I called XXXX XXXX XXXX XXXX and I called them and paid the debt in full with the understanding I would have the debt DELETED from my credit report because I was going through the Mortgage Process. The representative assured me that once I paid in it would be deleted immediately and I would receive a paid in full letter. I received a paid in full letter via mail dated XX/XX/XXXX but the item was NEVER deleted and has affected my ability to obtain my mortgage. My mortgage lender requested a letter from the collection agency stating it would delete the account offer my credit report. The company is refusing to provide with a letter stating it will be deleted and he has not been deleted as of XX/XX/XXXX although I was promised by the representative it would be XX/XX/XXXX. I also called several times starting XX/XX/XXXX and was told they would not issue me such a letter and that it will do come off until XX/XX/XXXX, That is not what we agreed and it is affecting my ability to obtain my mortgage. The collection Agency operated in DECEPTIVE and HARMFUL PRACTICES and will not listen to REASON!!!
Consumer complaint received 2018-06-14
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: Resurgent Capital Services L.P. (VA)

There is an account that has been without ongoing validation and verification XXXX XXXX, removed and consistently resold and purchased. Current request for validation by creditor and XXXX, XX/XX/XXXX- resulted in account updated. New letter from another creditor, responding via certifed XX/XX/XXXX Resurgent Capitol Services. Previously removed XX/XX/XXXX,XX/XX/XXXX/XX/XX/XXXX- due to unable to verify information, wrong addresses, and identity. 
The consistent denial of validation and proof of debt a collection, including the last certified letter of validation to another creditor- Resurgent Capitol Services. 
Sent in XX/XX/XXXX - XXXX XXXX not licensed or permitted to collect. As of XX/XX/XXXX- capital resurgent services- is attempting without validation or proof. 
Request previously for account information, signature, original creditor, discharge dates have continued to change. No proof and no continuity of investigation- where their is my signature or responses to certified mail-exceeds 30 DAYS. 
The last inquire was XX/XX/XXXX- to XXXX via priority- detailing the illegal efforts to collect of an validated debt. Response XX/XX/XXXX- this account has been in question since XX/XX/XXXX. XXXX refuses to report method of validated or methods investigation. 
Yet still reporting to XXXX I have sent certified proof of this fraud and illegal efforts to collect. XXXX denies and refuses to discuss how an invalidated debt that is not licensed in Virginia, continues to be displayed. 
I understand my Fair Debt Collection Practices Act requests and legal obligation to report correctly are being ignored.
Consumer complaint received 2018-10-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I sent a letter to Experian requesting to provide physical verification of the original signed consumer contract on accounts and inquires posted on my credit report, or to remove if unable to provide verifiable proof which was received by them on XX/XX/2018. ( Receipt attached ) It has been more than 30 days, and I have not received any proof or updated investigation results from Experian. Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau XXXX I request that Experian immediately delete this information from my credit reports.
Consumer complaint received 2023-01-11
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: CITIBANK, N.A. (FL)

THIS IS NOT A DUPE. XXXX is sending wrong uncorrected information on my credit file to 3rd parties, my lenders. They are re-aging the " REAFFIRMATION '' from XXXX  years ago XXXX XXXX. 

They have failed under multiple complaints to correct my file. I have contacted XXXX XXXX XXXX XXXX about the VISA and the bank states to contact XXXX that they are not reporting the account in Collection or any other Derogatory information. 

I have filed several disputes and complaints to NO AVAIL XXXX continues to report erroneous uncorrected information to my lenders directly negatively affecting my Score, Accounts, Utilization and overall Credit Worthiness. Their investigations have not resulted in the correct action. Though, documentation has been sent, they have taken their time and totally failed to remove the NEGATIVE information from my credit file. They have shared the incorrect information which most recently have resulted in a closure of my XXXX XXXX XXXX ending in XXXX, and reduction of my credit with Macy 's that I have had for years. 

This company is unethical and represents " bad business ''. Their business license should be rescinded.
Consumer complaint received 2022-11-05
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. (MD)

XXXX XXXX  # XXXX Reporting late XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX and Experian XXXX late XX/XX/XXXX XXXX XXXX XXXX XXXX reporting late XX/XX/XXXX XXXX and Experian In Accordance with the Fair Reporting Act these creditors has violated my rights under U.S.C 1581 section 602 states I have a right to privacy 15 USC 1681 Section A ( 2 ) consumer reporting agencies can not report an account without my written instructions 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. 
I have made at least 3 attempts to solve this issue before reporting to you XXXX and XX/XX/XXXX
Consumer complaint received 2021-09-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Around XX/XX/XXXX Capital one denied me a consumer credit transaction through the dealer XXXX. I applied for the transaction after I found a XXXX XXXX XXXX XXXX  I liked. They stated I had no credit information and said their information was based whole or in post on my consumer report. They also failed to provide a numberical number. I received no specific answers as to why I was denied my right to defer debt, other than that consumer reporting agencies couldn't report on me. I didn't get a telephone number for Capital One. Just a return address. Consumer reporting agencies can't possibly report on my credit as a natural person since I have never written for them to do so. Let alone accurately or with privacy. Capital One used my social for a completed application for credit. I sold them my credit, I received nothing from it, and they got paid using it. As a natural person with an open ended credit plan, my rights were violated and I was denied a vehicle for personal use.

15USC 1602i- defines consumer. Being I am a natural person I am also the consumer.

15 USC 1602f- defines credit as a RIGHT to defer debt or payment. I was denied my RIGHT.

But Capital one still used my credit card as defined in 15 USC 1602l.

12 CFR 1002.2C ( 1 ) ( i )- I received adverse action without a counteroffer.

15 USC 1681m ( 2 ) ( a ) - I never received a numerical credit score and this says it must be provided if you use it to in while or part to make a decision. As Capital One says they did.

Capital One is a financial institution ( 15 USC 1681a ( t ). They're supposed to hold accounts belonging to consumers ( natural person ) which is what I am.

Was my credit card used to open an account under my open ended plan without my benefit?

According to 15 USC 1602p the consumer must get a benefit from a credit transaction. I received no benefit after usage of my credit card.
Consumer complaint received 2023-01-18
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. (CT)

For the past three years I have been disputing serval accounts on my credit report. In the past month I have submitted serval disputes for XXXX accounts which XXXX has failed to take into account of the supporting documentation. My last attempt was made today XXXX to have both accounts removed from my credit report. The credit bureau continues to violate my consumer rights by reporting incorrect information on my credit report. This credit bureau failed to properly investigate and report accurate information on my credit file. Also this debt collector has agreed to closed and requested for deletion of accounts to be removed from my credit report. Please see attachments on how the credit bureau allowed a company to violate my consumer rights
Consumer complaint received 2018-10-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (TN)

I called the free credit score company about a charge to my card from them. They told me that my information wasn't in the system. So he asked me for the first 6 digits and the last four digits of my card number. I gave it to him he said that the card number is there. But it's not with my name, it had someone else name on there that I didn't know. I asked him if I can speak with the supervisor about the situation, he told me that I can't cause I don't have an account with them, but they charged my card.
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (AZ)

EQUIFAX BREACH - TRUSTEDID NOT PROVIDING SERVICE as promised. I signed up for TrustedID as Equifax 's offered solutions for my account being involved it the breach. My TrustedID account is fully set up, and I received an alert about my account via e-mail. TrustedID would not allow me to log in for a very long time - the portal does not work! Finally after 31 tries, it logged me in. The items appear fraudulent but it does n't offer a way to flag or report them. I tried calling the fraud/customer service line in the TrustedID e-mail and it renders a BUSY SIGNAL! This is perpetuation of the scam and breach by Equifax and is a complete failure to provide the promised service. I suspect it is affecting millions of people.
Consumer complaint received 2020-12-08
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: ALLY FINANCIAL INC. (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On, XX/XX/2020, ALLY FINANCIAL add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.