davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I am a longstanding cardholder of a Capital One card. I transferred a balance from another high interest card to take advantage of a XXXX  % balance transfer offer. The details of the balance transfer offer are not visible on the Capital One app in account details nor the statements issued by Capital One. After looking online on my own several times I called and spoke to an agent. The agent kept answering my promotional balance question by telling me my current purchase APR, which was not my question. I waited on the call for 29 minutes and was asked a 3rd time to please hold while she attempted to figure out my rate on my current balance. At that point I requested to speak to a supervisor. I was explained that my 0 % APR expired on XX/XX/XXXX. I asked what year, to which she said this year. I indicated there was ZERO transparency as to the terms of the balance transfer anywhere on my account nor my statements offering me the opportunity to pay the balance off prior to being assessed interest. I was told they only disclose at the time you make the balance transfer. I have been in the financial industry my entire life and I am shocked that Capital One is able to get away with this complete lack of transparency causing a negative impact to financially responsible consumers. Further the lack of ability for a servicing agent to be able to easily identify that information for consumers is appalling.
Consumer complaint received 2024-01-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I hope this letter finds you well. I am writing to bring to your attention an issue that has been causing me significant distress and adversely affecting my well-being. It pertains to the late payments recorded on my account. I have recently noticed that there have been inaccuracies in the reporting of my payment history. It is my understanding that timely payments are crucial for maintaining a positive credit profile, and any discrepancies can have serious consequences on one 's financial well-being. 
XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Upon reviewing my records, I have identified instances where payments were made promptly but were not reflected accurately in the account statements. This has led to a misunderstanding of my creditworthiness and has caused unnecessary stress and XXXX. I kindly request your prompt attention to this matter and urge you to investigate and correct the inaccuracies in the payment history on my account. I understand that errors can occur, and I believe this issue can be resolved amicably. I am confident that, once rectified, this situation will alleviate the distress I have been experiencing. Additionally, it will ensure that my credit report accurately reflects my responsible financial behavior. Thank you for your understanding and cooperation. I look forward to a swift resolution to this matter.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Vertical Screen (TX)

FACTUAL BACKGROUND On or around XX/XX/XXXX I received an email communication from XXXX XXXX [ XXXX ] ( EXHIBIT A ) informing me that my contract as a licensed producer had been terminated due to a failed background check conducted allegedly with my express written consent by XXXX XXXX XXXX XXXX XXXX [ XXXX ] a direct subsidiary of Vertical Screen , Inc . 
This news was shocking, alarming, traumatizing, emotionally draining, and distressing as this information came out of nowhere. After suffering from several XXXX XXXX and eventually calming down I began to investigate the matter by contacting XXXX  on XX/XX/XXXX and speaking to XXXX XXXX who assisted me in obtaining a copy of the report. 
Upon receiving the report, I noticed several inaccuracies on the report starting with : SSN VERIFICATION / No authorization given & no record of Consent Based Social Security Number Verification ( CBSV ) or SSA-89 on file XXXX XXXX XXXXXXXX Furthermore, the SSN is not and was never intended to be used as ID according to the Social Security Administration. A copy of government issued ID with an exact issue date will be provided. 
3 inaccurate addresses associated with this report and none of them mailable. The only mailable address associated with XXXX XXXX is : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX and should replace all 3 addresses on the report. 
Inaccurate record associated with this report that is in all likelihood a product of Identity Theft and XXXX XXXX XXXX XXXX XXXX added this fraudulent and erroneous report and they did so knowingly as they acknowledge in their own report that the DOB does not match, but still willfully and brazenly included it within the report. 
I have, prior to XX/XX/XXXX never heard of or knew of the existence of [ XXXX ], neither have entered into an agreement prior to this date. I did not give consent to [ XXXX ] to open an account on my behalf, create a report, sell, resale my data, neither did I give consent to anyone else, to access my Social Security Account, use my name and likeness for employment purposes. 
After performing a Background Check with the XXXX XXXX XXXX XXXX XXXX, I was able to obtain a certified document ( EXHIBIT C ) confirming that XXXX XXXX having the DOB of XX/XX/XXXX does not have a criminal record.
Consumer complaint received 2022-01-17
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. (SC)

I discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting them for a long period. 
I've made a list of the details on my personal information that is falsely reported and that must be removed immediately. 
Name : I do not have any other names or aliases required, and I do not want any other names or aliases to be kept or disclosed. 
Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 
Birthday : I do not have any other dates of birth that are required, and I do not want any other dates of birth to be kept or disclosed. 
Employers : I do not work for these employers listed and I don't want them to be kept or reported.
Consumer complaint received 2022-01-17
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)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AZ)

Guess there was a mix-up at my bank. I always pay in advance, until XX/XX/XXXX. I have been past due for the last XXXX  months, but only XXXX to XXXX  days ( thinking I was paying in advance ). I was never notified by the bank, text, email, phone call, or letter... nothing for XXXX months that my account was past due. I got an alert from my bank stating a new past due account was posted to my credit... What??? I still have not received any notice from XXXX XXXX XXXX about being past due. I called, explained the mix-up, and they refuse to remove the late payment from my credit. Mind you, this account has never been past due or even close. I should have been notified in XX/XX/year>, but there was nothing from XXXX XXXX XXXX. I should have been notified they were going to report me before they did!
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (NE)

I opened a card in XXXX of XXXX with wellsfargo. On my first statement is a balance transfer of {$2300.00} to the card that I never made. Ive spent over a month now and had to reopen the claim multiple times because they keep ignoring the obvious. I have proof I didnt make it too. I have scanned mail of the card delivering XX/XX/15 to my address so how on EARTH did a balance transfer occur on the card before I had physical possession of my card information? That is impossible. Oh also they will call you to reach out and when you answer they hang up instantly and then will turn around and pretend we couldnt reach you just to keep denying claims easier. This is absolutely the most backwards shady bank I have ever worked with.
Consumer complaint received 2020-05-25
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. (CA)

XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Automobile dealers, used Contact Information XXXX XXXX XXXX XXXX XXXX XXXX   CA XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX XXXX, CA XXXX BYMAILONLY inquiries Potentially Negative show tooltip button XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute XXXX XXXX XXXX
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/year>. Received a debt collect call said to collect Capital One Credit Card balance whcih was owe 10 years ago. I believe they got my phone number through my new Capital One which applied. I don't thin k it is right. Please advise. Thanks.
Consumer complaint received 2022-08-09
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$24000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-04-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (MD)

This company harassing me on Sundays I've set this payment up every month they still harass me I've been up to date since XX/XX/2023 of last year they do have grace period to I'm down to about 6 payments left it's been harassment text messages emails
Consumer complaint received 2022-08-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is the third time I have contacted your company and you have still failed to delete the disputed accounts your company could not verify. After this letter, be advised that I intend to pursue litigation for the damages your company has brought to me and my family. Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 3 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law. The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Thats all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law! 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. Just remember when we go to litigation and your company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. So once again, 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. I request that you do this immediately, which I am sure you are already aware of. You failed to verify & validate all data for the following accounts, please remove IMMEDIATELY : Account Name : XXXX XXXXXXXX. Account Number : XXXX ; Account Name : XXXX Account Number : XXXX ; and Account Name : U S DEPT OF ED, Account Number : XXXX ; U S DEPT OF ED, Account Number : XXXX ; U S DEPT OF ED, Account Number : XXXX ; XXXX, Account Number : XXXX ; XXXX, Account Number : XXXX ; XXXX, Account Number : XXXX Reason : pls verify and validate all data for this account, every notation, dates, and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account, and the collector needs to prove that this debt can survive collection, that they own this debt and the extent to which they can collect this debt and that all their details match the original creditor. Without it, must be removed.
Consumer complaint received 2023-03-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/XXXX I made a {$1000.00} online payment to the XXXX XXXX XXXX Funds are not credited to the account yet. I received the following answer when I complained online : Normally payments and transactions take 48-72 hours to post. However a payment may take longer to reflect in your available credit due to : Previous Returned Checks Payments on new accounts Amount of Payment I expect the bank to credit my account as soon as it receives the funds. That is my experience with my other accounts at XXXX XXXX and XXXX credit cards.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

I have called all three credit bureau and requested them to remove debt collections off my account and fix my personal information and they did not remove it they kept putting the error on my account! So I am therefore coming to you for help! As in this under code us1602C law I am protected from any dispute, then under the FCRA ACT I am demanding to be remove from my credit report, also I did not give permission to any thing in my name! If these inaccurate accounts or inquiries are not remove I will take legal action! So please have them remove! Thank you
Consumer complaint received 2024-03-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2024, I have tried to load money into my XXXX prepaid debit account from my XXXX XXXX XXXX XXXX. 
I followed this process because such transaction is allowed by the terms : XXXX XXXX XXXX Specifically : " How do I add money to my XXXX account. 
Debit card You can add money to your XXXX account by linking and transferring from an external debit card. '' After several attempts to add funds, my XXXX account was locked. I have received the following email from XXXX : " For security reasons, your XXXX Account and card have been temporarily locked. 
For more information, please call us immediately at XXXX available 24/7. '' I have called 5 times, trying to unlock my XXXX account, but customer service representatives were giving me constant run around. 
One of them mentioned that I have violated the terms of the XXXX Member Agreement. When I asked which terms did I violate, they could provide an answer. 
I have escalated call to a manager, who told me account is locked and there is nothing they can do about it. I do not understand the purpose of such customer service, where noone knows their job or can answer questions about the financial service they provide. 

I have followed all processes and was doing something that is advertised, yet when my account was locked, I got no help from XXXX. 
I have also XXXX XXXX prepaid accounts. They were also automatically locked.
Consumer complaint received 2024-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (UT)

I recertified my income driven repayment plan before expiration. now they are telling me it will take 90 days to review ... im at risk of missing the recertification deadline of XX/XX/2024. ive done everything on time but mohela has never once answer multiple phone calls. i have called many times and been on hold for 2 hours ... this is not acceptable. meanwhile they make billions of my interest and taxes.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Creditor Information 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 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I received a mail correspondence from Equifax on XX/XX/XXXX, at my home address regarding my dispute report. I had submitted several disputes with Equifax because they were reporting a negative and inaccurate past-due balance of {$360.00} for creditor XXXX XXXX account # XXXX on my Equifax credit report. However, I had paid off the past-due balance and the account ending XXXX was not at XXXX balance. After viewing my mailed dispute results with confirmation number XXXX, and reviewing the credit file dated XX/XX/XXXX, Equifax correspondence stated, that my XXXX XXXX account # XXXX dispute was closed and that the past due balance of {$360.00} was correct and verified. 

However, Equifax never Elaborated on how they verified the balance or provided me with a copy from the creditor showing a past-due balance of {$360.00}. Despite my payment of the {$360.00} past due balance on XXXX XXXX, Equifax did not correct the negative past due balance reporting on my Equifax credit report and the negative account # XXXX is still reporting on my credit report. 

I want to inform you that I have uploaded a copy of the results of my dispute for account # XXXX I received from Equifax The letter I received via mail includes the Equifax confirmation number XXXX and the credit file date of XX/XX/XXXX. Unfortunately, negative account # XXXX is still reporting on my Equifax credit report with a past-due balance of {$360.00}, and despite my dispute, Equifax has not updated account # XXXX with a XXXX balance. Additionally, I have uploaded a copy of my receipt from creditor XXXX XXXX I received, dated XX/XX/XXXX, for account # XXXX, which shows that the account has been paid off with a XXXX balance.
Consumer complaint received 2022-01-17
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC (CA)

For over a year XXXX to XXXX plus and to present I have been illegally denied all access to cash out references, no equity line of credit, not allowed, no 2nd mortgage. I had perfect credit, good debt to income, current pay check, only wanted 10 % of the $ 250k equity in my house. I would have been debt free AND lowered my mortgage payment.!!!!! It was the smart thing to do. All California banks including federal credit unions denied me, all healthcare benefits are always denied both VA and the XXXX XXXX XXXX openly and in writing steal everything from me. For more than 3 years now Im 16 months behind on my mortgage cant walk no gas and the cfpb is responsible for helping them