davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XX/XX/2022 I filed a XXXX  complaint against Capital One for reporting adverse credit file information to all three bureaus related to an account that was not mine. I also contacted them multiple times at their Complaints Email address. They never responded at any point directly to my complaint. They did, however, remove the account that was not mine when I challenged the ownership of the account through all three bureaus. So the original issue has been resolved. However, do to the bizarre nature Capital One 's response to my complaints, there are new issues. First, they began to report new false information. Each of my Capital One accounts including my auto loan are now reporting " Customer Disputes. '' That is 100 % false. I never disputed those accounts. I only disputed an account that was not mine, which is now gone. Also, they deleted my auto loan from my XXXX credit report. That mistake needs to be corrected. I never disputed that auto loan, and I never asked for it to be removed from my report. My accounts with Capital One have a flawless payment history and responsible use. I expect this positive information to be reported, and there is no valid reason to have dispute status on my accounts when they were never disputed. Lastly, Capital One needs to stop sending me pieces of mail that make no sense. I have gotten several letters from them since my original dispute that say, " Sorry, but a careful review of your account shows it is not eligible for Service Members Civil Relief Act. '' Wow. Totally irrelevant. I sure wish they would have humans instead of computers handling these situations, because they keep making this same XXXX. I also got a piece of mail saying they are trying to contact me about my auto loan account based on my inquiry, I made no such inquiry. My auto loan has a perfect payment history, and there was no dispute.
Consumer complaint received 2022-07-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I sent Validation of debt letter to PORTFOLIO RECOVERY ASSOCIATES on XX/XX/22 which they received on XX/XX/22. In the letter i asked for a number a verifiable documents that would prove that their company was authorized to collect this alleged debt as well as a signed contract between me and the original creditor and a signed agreement between me and PORTFOLIO RECOVERY ASSOCIATES which grants them authorization to collect this alleged debt. They have not provided that information. I also stated that if any of my verification requests were not completed entirely, they their claim and or response would not be accepted. They did NOT sufficiently validate this debt.Their company responded with statements that had balances that did not match the amount they are collecting. Also, in their initial response they had a statement that read : " THIS IS A COMMUNICATION FROM A DEBT COLLECTOR BUT IS NOT AN ATTEMPT TO COLLECT A DEBT '' which is illegal according to 12 CFR 1006.18 ( E ). The original amount they are collecting is {$1100.00} but the amounts on the statements are {$1300.00} and {$1300.00}. They are in violation of a number of laws according to the FDCPA. 

VIOLATIONS 12 CFR 1006.34 ( C ) ( 2 ) ( VII ) - NO ITEMIZED DATE PROVIDED 12 CFR 1006.34 ( C ) ( 2 ) ( VIII ) - AN ITEMIZATION OF THE CURRENT AMOUNT OF THE DEBT REFLECTING INTEREST, FEES, PAYMENTS, AND CREDITS SINCE ITEMIZATION DATE. 

12 CFR 1006.34 ( C ) ( 3 ) ( i ) - ( iv ) - INFORMATION ABOUNT CONSUMER PROTECTIONS 12 CFR 1006.34 ( c ) ( 4 ) ( i ) - ( ii ) CONSUMER RESPONSE INFORMATION 12 CFR 1006.34 ( D ) ( 1 ) FORM OF VALIDATION DISCLOSURE 12 CFR 1006.18 ( E ) DISCLOSURE REQUIRED
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

- On XX/XX/22 I placed a fraud alert on my account through Experian.com - I was told ( by IdentityTheft.gov ) that placing a fraud alert through one credit agency would automatically place credit alerts with the other two agencies within a few business days - reviewing my credit reports, the other two agencies only placed credit alerts in XX/XX/22 - attempting to call Experian to address this issue, they have a phone tree that is unhelpful and almost impossible to reach a consumer representative - on reaching representatives, they speak very poor English and have trouble understanding numbers and letters dictated through the phone - In sum, if I can somehow reach Experian to address an issue, their representatives don't speak English proficiently enough to understand what I'm asking to address - of note, I am possibly having these identity fraud issues because Experian leaked my social security number in the first place!!
Consumer complaint received 2018-12-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (VA)

XXXX XXXX XXXX misrepresented facts to consumer and the CFPB in response to a recent complaint. Consumer and XXXX XXXX XXXX were involved in an ongoing dispute regarding an underlying XXXX XXXX credit card account. In or around XX/XX/2018, consumer and XXXX   XXXX XXXX engaged in settlement negotiations over a dispute regarding the veracity of purported debt. XXXX XXXX XXXX provided a settlement offer. In a letter dated XX/XX/2018, consumer proposed a counteroffer to settle the dispute. On XX/XX/2018, XXXX XXXX XXXX   confirmed the settlement agreement and accepted the agreed-upon settlement amount noted satisfaction in full. The corresponding settlement check itself was submitted to the address specified by XXXX XXXX XXXX and Alliance Data pursuant to the XXXX. A review of records corroborates this. Despite this, XXXX XXXX XXXX  sent consumer a letter dated XX/XX/2018 indicating that the debt had been " charged off '' on XX/XX/2018 and sold to another company called XXXX XXXX XXXX XXXX. XXXX XXXX XXXX continues to report the matter negatively to the credit bureaus and refused to honor the settlement agreement, which required that the matter be reported as settled in full/ satisfaction in full. XXXX XXXX XXXX also misrepresented to the CFPB and consumer that the settlement check was sent to an incorrect address.
Consumer complaint received 2022-07-03
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. (FL)

In accordance with the Fair Crdit 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. 

XXXX XXXX - XXXX XXXX XXXX XXXX OF XXXX - XXXX
Consumer complaint received 2024-12-01
Product: Credit 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: CITIBANK, N.A. (NY)

I am writing to express my disappointment and frustration regarding a recent experience I had at the XXXX Costco location : XXXX XXXX XXXX, XXXX, NY XXXX, on XX/XX/year>. 

I attempted to return a XXXX mixer that I purchased approximately four years ago. Unfortunately, my return was refused on the grounds that the product was too old and could not be accepted. I tried to explain that the mixer had been kept in its box for most of those years and was only used last year. 

As I understand Costco 's return policy, customers are allowed to return items at any time if they are not satisfied, which is what I was hoping to do in this case. However, when I mentioned this to the manager, I was met with a very rude response. I was accused of attempting to abuse the return policy, which I found both offensive and completely unwarranted.

I have been a loyal Costco member for over 15 years and spend between {$4000.00} and {$5000.00} annually at your stores. I also hold a business account with Costco. Given my long-standing relationship with Costco, I was shocked by the unprofessional and dismissive behavior I encountered at this location. 

I am respectfully asking for your assistance in resolving this matter. I believe the return should be accepted based on Costcos policy, and I would greatly appreciate any support or guidance you can provide to reimburse the credit card that it was used to purchase the mixer.
Consumer complaint received 2022-06-29
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. (PA)

This is XXXX XXXX XXXX and I am submitting this complaint about recent disputes sent to Experian about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$56.00}
Consumer complaint received 2022-07-17
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. (FL)

In accordance with the Fair Credit Reporting act, the following accounts has violated my rights. 

XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX 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 an account without my written instructions.
Consumer complaint received 2022-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (OH)

On XX/XX/22 I visited XXXX XXXX in XXXX, NC. The cashier promoted a rewards program for the store which we decided to sign up for. I should have become suspicious when the rewards program sign-up procedure included my social security number. It was not a rewards program, it was a rewards credit card that was opened in my name. This was very misleading advertising of the credit card. In addition, the cashier immediately put the charge for our purchase on that card without asking me. I had inserted my other card with which I intended to pay a bit earlier in the transaction and thought it was going there. He never said anything about authorizing payment to the new card. At that point, I didn't even know I had a new card. 

The credit card is a " XXXX XXXX '' credit card managed through Comenity. I have messaged them about cancelling the card and am awaiting a response. 

I realize my one complaint isn't much but I'm hoping if this is a widespread problem that more people will complain and something can be done. Please let me know if you have any questions.
Consumer complaint received 2022-07-03
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. (CA)

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 has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX & XXXX has violated my rights. 

XXXX / XXXX / XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX  - CARD SERVICE on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX, XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX XXXX XXXX XXXX on XXXXReported Identity Theft ) 10. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX XXXX on XXXX ( Reported Identity Theft ) 15. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 16. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 17. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 18. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2022-07-03
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. (GA)

I lost my wallet and I have these inquires on my report XXXXXXXX XXXX  XX/XX/XXXX This was an unauthorized credit inquiries XXXX XX/XX/XXXX This was an unauthorized credit inquiries XXXX XXXX XX/XX/XXXX This was an unauthorized credit inquiries XXXX XXXX XX/XX/XXXX This was an unauthorized credit inquiries XXXX XXXX XXXX/XXXX/XXXX This was an unauthorized credit inquiries XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX This was an unauthorized credit inquiries
Consumer complaint received 2022-07-03
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. (FL)

In accordance with the Fair Credit Report act, these accounts listed has violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Department of Education Account XXXX XXXX Department of Education Account XXXX XXXX Department of Education Account XXXX XXXX Florida Department of Revenue Account # XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-03
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. (FL)

In accordance with the Fair Credit Report act, these accounts listed has violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of Education Account XXXX XXXX Department of Education Account XXXX XXXX Department of Education Account XXXX XXXX Florida Department of Revenue Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (MA)

On XX/XX/2019 using XXXX I booked round-trip flight from XXXX, MA to XXXX, XXXX requesting specific dates of departure and return as well as FLIGHT INTERRUPTION INSURANCE ; told to request FLIGHT INTERRUPTION INSURANCE after the booking ; I provided my DISCOVER card for payment. BUT after booking I was informed that I could not obtain FLIGHT INTERRUPTION INSURANCE through XXXX. I immediately INSTRUCTED CANCELLATION of the flight HOWEVER XXXX TOLD ME TO CALL BACK TO CANCEL alleging need to connect to another department. I stayed on-hold for some 30 minutes with no one picking up the phone after the initial brief message to " hold & someone will be right with you. '' I therefore emailed a cancellation receiving a reply acknowledging the cancellation some 6 or more hours later. With that I considered the mtter ended. On oXX/XX/2019 I wrote to DISCOVER attaching cancellation confirmation from XXXX I However on XX/XX/2019 I receive a DISCOVER email claiming a XXXX charge of {$75.00} without stating what it was for or why. For which reason after challenging via tel-con I ordered the cancellation of my DISCOVER card and payed all amounts save for the fraudulent {$75.00}. Since then DISCOVER has acted on the threat to destroy my credi standing seeking to coerce payment of the fraudulent charge and has made it near impossible for me to ESCALATE the dispute or to provide address for that purpose and so-called customer support refuses explanation other than " vendor claims '' or words to that effect. Bouncing as " UNDELIVERABLE '' emails with documents attached. 

As I am some XXXX miles from the US and the XXXX Virus caused XXXX XXXX to cancel my XX/XX/XXXX return flight I have been further delayed in being able to act on this fraud perpetrated by XXXX wit the aid & wilfull assistance of DISCOVER. It has not helped that I am XXXX years old with XXXX XXXX  and unreliable Internet service. Return currently rebooked for XXXX XXXX with no garantees that it may not again be cancelled.
Consumer complaint received 2022-07-03
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. (FL)

In accordance with the Fair Crdit Reporting act XXXX Account # 1234, 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. 

XXXX XXXX - XXXX XXXX XXXX XXXX OF XXXX - XXXX
Consumer complaint received 2022-07-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Somebody deposited a check in my account that was not me. Ive had a hold of {$500.00} on my account for over 2 months now. Ive paid the past balance for the XXXX that was deposited in my account yet the hold is still on there keeping me from my money
Consumer complaint received 2022-12-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (IL)

I applied for an Ashley 's card finance through Synchrony on XX/XX/22 got approved for {$3900.00}. Ashley was so XXXX that I bought 2 items they were advertised for {$1900.00} a piece the sales man XXXX stated that he'll give me both pieces for {$1400.00} a piece. I'm like cool right. Wrong on line the sofa was {$1500.00} marked down to {$1100.00} and the love seat was {$1400.00} marked down to {$1300.00}. So original price less that what they stated they were giving me a deal for. 

Sent the sales man a text never responded back. Got the furniture on XX/XX/22 and the love seat was missing a piece. Called customer service and the rep stated that since I had an issue she was refunding the delivery fee back of {$220.00}. 

Cool so I drove to the store since the Sales man never responded back and showed him the ad. He got his manager involved, basically I was told that since the Sofa was delivered I couldn't get the {$300.00} difference back because all purchases were final, however he would give me the difference back for the Love Seat because it was an exchange. It took forever and a lot of foot work but final that went back to my Ashley 's card. 

That same Sales man sold me 3 barstools and loaded them into my car. Got home and one of the barstools was broken. Called him back and he basically stated all sales were final. This company is a rip off. No one has nothing good to say about Ashley 's except the quality is good but service is horrible. 

My disputes is it's XX/XX/XXXX and I still haven't received the delivery fee back. Customer service said they refunded it back to my Ashley card and Ashley card say they never received it, in which is true as my balance doesn't reflect.