davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My debit card was used fraduety and had {$1600.00} of unauthorized funds. The scammer input my information and items where mailed to my address. I never made these purchases, Im told the way the scam works is they try too intercept the items before you get them. I had 7 jackets with my name engraved which when I called the company they stated I could not return. This was from XXXX. I also received 3 male shirts ( I am a women ) from XXXX XXXX. At the time this was happened Bank Of America closed the clam stating they were paying the full amount. Weeks after- I received a letter that they were changing it to charging back {$540.00}. I have in writing the claim was to be paid in full. Despite the records showing the purchase, I never purchased them and once I received the confirmation of the full amount being paid, I moved on. Bank Of America needs to pay the full claim as they had stated. I hav3 recently supplied them with a letter I got as well the includes there was a security breach with my information.
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (PA)

I've experienced some rough patches in life that were very difficult to handle due to some some personal issues. I have always tried my best to get every single payment in on time, however there were a few times in the past that I was late. Ever since then, I have been a great customer and have even paid early a few times. With the exception of those few late payments, my track record for paying on time has been great. However, the few times that I was late shows up on my credit report and this can make it extremely hard to qualify for a mortgage, auto loan, etc. as I'm sure you know.
Consumer complaint received 2022-03-21
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. (FL)

On XX/XX/2022 XXXX placed Account # XXXX as a charge off on my credit reports; dropping substantially my Credit Score. 
On XX/XX/2022 I contacted XXXX regarding Account # XXXX and reached an agreement to delete this account from my credit file on the XXXX Credit Bureaus XXXX EQUIFAX XXXX XXXX & XXXX ) XXXX I am attaching a letter to support this claim. This letter states that the account # XXXX has a zero balance and no further payments are required. 
On XX/XX/2022, I sent Certified mail to each reporting agencies ( EQUIFAX, XXXX & XXXX ) with a copy of the letter provided by XXXX stating that the account was satisfied and requesting removal from my credit report. 

On XX/XX/2022 my Credit Report showed removal of the Account # XXXX from the XXXX credit Bureaus ( EQUIFAX, XXXX & XXXX ) On XX/XX/2022 my Credit Report, shows that account # XXXX from XXXX was placed back on my credit report, stating a balance of {$2700.00}. 

In accordance with the Fair Credit Reporting Act SUNTRUST/TRUIST acct # XXXX the credit bureaus violated my rights with reporting inaccurate information on my credit report accounts.
Consumer complaint received 2018-12-27
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: AMERICAN EXPRESS COMPANY (IL)

I have an american express credit card which is earning rewards points everytme i use the card and it had promotion when i opened the card that if i make over {$5000.00} purchase in ninty days then i earn XXXX rewards points. I had opened the card I had met the requirements so i earned the XXXX points. I used this card for all my purchases. few months later the American express just decided to take the XXXX points out of my account and no explanation or email or letter was sent to me. One day i was trying book some flights and i realized that my points were missing so i called them but no one knew why points were taken out. after 14 phone calls they told me they have discretion or power to take any customers points out but i had not done anything wrong. I have been a long time customer and I have used their card normally and i have not misused any thing so i want my points back. I have decided to write a letter to American express CEO but someone suggested to send a letter to CFPB. I hope you can help me get my XXXX point back. 

Thank you and i i have attached the rewards screen here. 

Time Period From XX/XX/2018 to Present Time Period Activity SelectBox Download Download 1-13 of 13 Transactions First | Previous Page textpage1 of 1 Next XXXX Last perpage Date Ascending Order Category Description Points XX/XX/2018 Earned Blue Business Plus Card-XXXX XXXX XX/XX/2018 Earned Blue Business Plus Card-XXXX  XXXX XX/XX/2018 Earned Business Gold Rewards CardXXXX XXXX XX/XX/2018 Adjusted Point Adjustment XXXX XX/XX/2018 Earned Business Gold Rewards Card-XXXX  XXXX XX/XX/2018 Earned Business Gold Rewards Card-XXXX  XXXX XX/XX/2018 Earned Business Gold Rewards CardXXXX XXXX XX/XX/2018 Used PAY AT PARTNER XXXX XX/XX/2018 Earned Chrge Retn XXXX MR Pts/ {$1500.00} SP XXXX XX/XX/2018 Earned BGR $ XXXX Spend/XXXX MR pts XXXX XX/XX/2018 Earned Business Gold Rewards Card-XXXX XXXX XX/XX/2018 Earned Blue Business Plus Card-XXXX XXXX XX/XX/2018 Earned Charge Retn XXXX MR Pts XXXX 1-13 of 13 Transactions First | Previous Page textpage2 of 1 Next | Last perpageno Opening balance as of XX/XX/2018 : XXXX Earned : XXXX Used : -1 Adjusted : XXXX Points Balance as of XX/XX/2018 : XXXX
Consumer complaint received 2021-06-19
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. (DE)

This account does not belong to me. I have reached out to the credit agency several time in reference to this matter. 

XXXX XXXX account # XXXX Balance- {$970.00} opened XX/XX/2021 XXXX account # XXXX Balance- {$68.00} opened XX/XX/2021 XXXX XXXX XXXX account XXXX XXXX balance- {$940.00} opened XX/XX/2021
Consumer complaint received 2022-04-27
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

I recently reviewed my XXXX credit report and noticed Inquiries which I did not give authorization. The inquiries in question are as follows : XXXX bank credit cards. XXXX date XX/XX/XXXX XXXX bank credit card. Inquiry date XX/XX/XXXX Cap One NA bank credit card Inquiry date XX/XX/XXXX XXXX XXXX XXXX bank credit card. Inquiry dare XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX credit card. XXXX date XX/XX/XXXX XXXX bank credit card. XXXX date XX/XX/XXXX XXXX XXXX XXXX reseller. XXXX date XX/XX/XXXX XXXX Mortgage reporters. Inquiry date XX/XX/XXXX I have reached out to the companies who pulled my credit report as well as XXXX to resolve this act of FRAUD, but to this date I have had no resolution from either party. I want these FRAUDULENT, unauthorized inquiries to be deleted from my XXXX credit report. They are damaging both my credit rating as well as my fear of being a victim of Identity theft.
Consumer complaint received 2022-03-22
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. (GA)

I am submitting this complaint because I recognized inaccurate info on my credit report. {$18000.00} is reporting to my credit report that is inaccurate. Reporting date XX/XX/2022. Also I see addresses and employment that are inaccurate as well. A birth year is also inaccurate. And one inaccurate name. Accounts that are inaccurate are XXXX, XXXX, XXXX XXXX ( XXXX XXXX ), XXXX  XXXX XXXX, XXXX. 

Employment that is inaccurate is XXXX XXXX XXXX I would like this matter to be investigated, resolved and removed.
Consumer complaint received 2022-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In accordance with The Fair credit reporting act XXXX  account ( s ), XXXX XXXX XXXX {$8200.00} # XXXX XXXX XXXXXXXX XXXX  {$960.00} # XXXX Dept of education XXXX XXXX Department of education {$90000.00} XXXX XXXX XXXX XXXX XXXX # XXXX {$630.00} XXXX XXXX XXXX XXXX XXXXXXXX {$3900.00} # XXXX XXXX XXXX XXXX bank {$870.00} # XXXX XXXX XXXX XXXX XXXX XXXX  {$1800.00} # XXXXXXXX XXXX # XXXX {$260.00}, have violated my rights. 
( 15 USC 1681 section 602A. ) States I have the right to privacy. 15 USC 1681 section 604a also States a consumer reporting agency can not furnish my account information without my written instructions.
Consumer complaint received 2022-04-13
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-03-21
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: Experian Information Solutions Inc. (OH)

Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2021-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/XXXX To Whom It May Concern Re : Account # 's XXXX re : last 4 of SS # XXXX XXXX : FTC report # XXXX Please be advised in my previous letters to you, dated XX/XX/XXXX, I provided sufficient information to you requesting you to block the reported information under the provisions of FCRA 605B, and it was NOT a dispute under the provisions of FCRA 611. The accounts were opened thru fraud. I did not benefit from this fraud. I identified the person that I believe committed this crime against me, but Capital One did not try to pursue this person of interest, or even try to protect my creditworthiness from fraud. 

This identity theft affidavit, along with other identifying information was sent to Capital One, XXXX, and XXXX  on this date. Capital One, stated that they had performed an investigation on this matter, but failed to provide any discovery of information as to why they refused to follow Federal Law. 

XXXX  and XXXX, refused and failed to block these accounts per the FCRA. Agencies must block identity-theft-related information. FACTA adds a new section, 605B, to the FCRA that requires agencies to block identity-theft related information within 4 days of receiving specified information : proof of the consumers identity, a copy of an identity theft report, the consumers identification of the fraudulent information, and the consumers statement that the information does not relate to any transaction by the consumer. The agency must also notify the furnisher of the block, and Furnishers must implement procedures to prevent them from re-furnishing such information ( to anyone, apparently, not just the notifying agency ) 15 U.S.C. 1681c-2 ( a ). Federal Law, was ignored by both Capital One and XXXX  and XXXX. 

Capital One turned these accounts for collection over to the law firm XXXX XXXX XXXX. 
The law firm filed lawsuits against me for collection, and won default judgments for Capital One. 


Capital One, is still sending credit report updates on these accounts to the credit bureaus on a monthly basis and the credit bureaus are updating these accounts. Capital One and XXXX  are ruining my stellar credit rating, by posting this information. 

The law is very clear as to the civil liability and the remedy available to me if Capital One and XXXX  fail to comply to Federal Law. I am a litigious consumer and fully intend to turn this matter over to an attorney for review and possible legal action. 

I appreciate your prompt attention to this matter. 

Sincere regards XXXX XXXX Enclosure : FTC Identity Report.
Consumer complaint received 2022-04-27
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. (NC)

In accordance with the Fair Credit Reporting act XXXX account # XXXX, US DEPT ED account # XXXX, DEPTEDXXXX account # XXXX, XXXX XXXX account # XXXX, has all 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 2022-04-27
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: Bread Financial Holdings, Inc. (FL)

On XX/XX/2022, I filed a dispute with Comenity Capital Bank, XXXX XXXX XXXX XXXX, OH XXXX, BJ 's Perks Mastercard Credit Card Accounts are issued by Comenity Capital Bank , in the amount {$1600.00}, that was posted on my credit card account # XXXX, on XX/XX/2022. The charge was from XXXX XXXX XXXXXXXX. 

However, Comenity Capital Bank, XX/XX/2022, issued a XXXX XXXX- {$1600.00}. 

XXXX XXXX  XXXX advised via email dated XX/XX/2022, and XX/XX/2022, that they DID NOT DISPUTE THE CHARGE BACK from XXXX XXXX XXXX XXXX  on XX/XX/2022, they incurred a charge back in the amount {$1600.00}. 

PDF copies of emails, Dispute Resolution Form, Cardholder Dispute Charge back and XXXX XXXX XXXX FORM. 

Here we are on XX/XX/2022, over 30 days later Comenity Capital Bank, was informed that XXXX XXXX XXXX, did not contest the charge back and where Comenity Capital Bank, failed to remove the XXXX XXXX - {$1600.00} and post it as a permanent credit.
Consumer complaint received 2022-04-13
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2021-03-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (HI)

Last XXXX I received a bill statement regarding my credit card more than my credit limit which I never never use yet my card. I only activated in the computer. But all of the sudden I had bills already and the one who used my card was from XX/XX/XXXXXXXX so I called them right away to report and dispute this account but still nothing happened until this problem becomes worst that even my daughter was involved were she really said that she didnt order online but this companys one of the investigator keep on insisting that my daughter ordered online but to find out that those items that was delivered to us to our address was not being received. We verified to our manager of our building but he said no items delivered and noted. We also calledXX/XX/XXXX and USPS to verify everything coz I took the tracking numbers of the items being purchased but they said no building number but this companys investigator insisting that the same address was shipped. But all the item we didnt received. Then I keep calling them cause I was worried about my account coz its getting higher snd higher the amount. And I find out that they send me a new card but the question is I didnt receive that card. I closed my account but one of the staff said that someone is trying to reopen my account. I dont know what I gon na do. Honest to XXXX I didnt use yet my card. Thats why I need help coz this company especially that one of the investigator is not helping but rather hes putting me down.
Consumer complaint received 2022-08-07
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: Experian Information Solutions Inc. (OH)

Disputed accounts on credit file That are not mine. Proof of ownership has not been verified. These accounts listed on file do not belong to me. I havent been given any proof of ownership
Consumer complaint received 2021-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/XXXX three fraudulent charges were resolved in my favor but due to these charges Capital One Bank placed a hold on my account and is refusing me access to my funds. On XX/XX/XXXX I contacted Capital One bank and was told the local branch teller can call in and the hold would be removed allowing me access to withdraw the funds and close the account, however I was told the account was closed 30 days after filing the claim for fraudulent charges and told a check would be issued to me for all funds available in the account. To date, Capital One Bank continues to deny my access to MY funds. Today, after being told to go to my local branch to get my funds I was denied and told a check would be issued for the funds in my account but again no one can tell me when the check will be submitted. To date, Capital One Bank has denied access to my account including bank statements. I need help. 
Capital One Bank XXXX, Louisiana
Consumer complaint received 2020-07-12
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (VA)

On XX/XX/2020 I received an email from XXXXXXXX, ACE CASH SERVICES, stating that I was going to be legally prosecuted, reported to local sheriffs office, reported to my employer, have my wages garnished and reported to credit bureaus for past due loan that I have NO IDEA about! 

CUSTOMER ID : XXXX CASE FILE # : XXXX LOAN INFORMATION PAST DUE AMOUNT - {$930.00} CREDITOR - ACE CASH SERVICES This is to inform you that Legal Proceedings have been issued on your Docket Number XXXX with one of XXXX XXXX XXXX in order to notify you that after making calls to you on your phone number we were unable to get hold of you. That is the main reason the Accounting Department of XXXXXXXX XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you. 

You are going to be legally prosecuted in the Courthouse within a couple of days. Your S.S.N is to be put on hold by the US Government, so before it happens we would like to notify you about this matter. 

Consider it is a final warning from our side. And we will be Emailing/ Fax this issue to your current employer to make sure that they take strict action against you. Your salary wages will be garnished too. 


THERE ARE 3 SERIOUS ALLEGATIONS AGAINST YOU : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION Right Now We must have to proceed legally against you and your SSN, once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and then, the lawsuit will be the next step which will be cost to you {$4000.00} and will be totally levied upon you. If you want to take care of this out of the court then we will release the clearance certificate from the court and we will make sure that no one will contact you in the future. 

Let us know what is your intention towards this matter so we can put this case on hold else we will submit the paperwork to your local sheriff department and you will get court summons at your doorstep. 

WE ARE GOING TO REPORT ALL INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. DELAYED PAYMENTS, FAILED PAYMENTS, OR OTHER FAULTS IN YOUR ACCOUNT WILL BE REFLECTED IN YOUR CREDIT REPORT. 

TERMS & CONDITIONS YOU AGREED. 

If you want to resolve this matter then direct contact us thru email or call at ( XXXX ) XXXX between working hours XXXX XXXX  to XXXX XXXX ( EST ). 
In order to resolve this you can contact us at XXXXXXXX or E-mail us back onto the same email. 

Best Wishes ACE CASH SERVICES Phone ( XXXX ) XXXX Department of Law & Enforcement ( ACS ) Note : This Communication is from Debt collector. This is an attempt to collect debt. Any Information obtained will be subjected to that Purpose only.