davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I opened a Capital One XXXXXXXX XXXX card in XXXX of this year and have been using it as my primary card ever since. I signed up for it when they were offering a XXXX sign-up bonus for $ XXXX spent in the XXXX 6 months. I've been paying off the card fully every month and only charging about 5-10 % of my total limit every month. Up until a few weeks ago, I hadn't had any problems and customer service was very helpful the few times I called them with quick questions. However, a couple of weeks ago this completely changed. 

My card was restricted after I tried to book a hotel which I do very frequently with this card as it is a travel card and I do travel often. I was told that my account was restricted because they supposedly detected fraud from this purchase. They sent me an email with a link to upload a form of identification to verify my identity. Wanting to get my account back ASAP, I uploaded a picture of my driver 's license, passport, and US Military ID. They said it can take up to 7-10 days to process, so I waited ... and nothing happened. A couple of days ago I called customer service looking for an update as my account was still restricted and I had heard nothing from them. The lady informed me that they couldn't verify my identity from the XXXX documents I provided and she asked for more ; a social security card and bank statement. I sent these and called back a day later to see if there was an update. To my surprise, they told me that they still could not validate my identity and that they permanently restricted my account. I asked what I could do to verify my identity and get my account back and I was told " there is nothing we can do to fix this, you need to pay off the balance and close the account. '' Utterly bewildered by this statement I called back hoping to get someone more helpful, but they said the same. This comes at the time when I am extremely close to reaching my XXXX point sign-up bonus which makes this feel almost intentional. I do not understand how I can call a company about a problem that they created and when I ask how to resolve it, I simply get " there is nothing that we can do. ''
Consumer complaint received 2023-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (CA)

I opened a Secured Master card through Citibank per their pre- approval process a couple of years ago with hopes of trying to build good credit. I had the card for some time and tried to get an unsecured card which they denied me for although I had recently gotten increases from other major card carriers. I maintained the secure XXXX as I didn't want to hurt my credit by closing the account. I fell on hard times during the pandemic and was making minimum payments on the secured card, staying on top of my payments.I received a letter in the mail stating Citibank had closed my account because my credit score decreased. I was in shock because it was my understanding that I couldn't get an unsecured cc due to my score. So not only had they closed my account that I sent them money for me to use to build credit, BUT, they charged me more fees AND are now reporting to the credit bureau 's negatively.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.

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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Consumer complaint received 2023-03-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP (CA)

U.S. Bank offers a bonus for opening a new checking account but once the customer fulfilled the obligations of the promotion, no bonus was paid out. The account was opened in XX/XX/XXXX and over {$6000.00} was successfully direct deposited before 60 days. Attempts to resolve this with U.S. Bank representatives resulted in a ticket generated on XX/XX/XXXX but no additional response from the team since. Additional communication to support revealed ticket was not found on XX/XX/XXXX U.S. Bank is offering a checking bonus of up to {$500.00} when you open a Smartly Checking account. You need to complete the following requirements : Enroll in online banking or the U.S. Bank Mobile App. 
Complete two or more direct deposits. 
The bonus you receive depends on the total of the direct deposits : - Earn {$300.00} when your direct deposits total {$3000.00} to {$5900.00}. 
- Earn {$500.00} when your direct deposits total {$6000.00} or more
Consumer complaint received 2023-04-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

In accordance with the fair credit report act. The list account below has violated my federal protect the consumer rights to privacy and confidentiality under the 15 USC 1681. 

Account name # midland credit management # XXXX 15 US C 1681 section 602 ( A ) state I have the right to privacy.

15 USC 1681 section 604 a section 2 its also states and consumer report agency can not furnish a account without my written instructions.

15 USC 1681C section 5 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 USC 1681 s 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 2023-04-05
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. (ID)

I filed The Erronious nater of the Collection on XXXX and the Credit XXXX XXXX XXXX called the Cllection agency did not ask for proof did not acknowledge that the Service was never used that we sent them proof that the Equipment was returned with a signed, which we downloaded to their site as requested.. this is holding up an Approval and I wouls Appreciate your Consideration in this matter.
Consumer complaint received 2023-04-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I got online to check my credit score, and it was reported that my auto loan balance went up. I logged onto my bank account that handles my auto loan and didn't notice any increase, but while checking I noticed that my loan fees were more than doubled what they were last year. I printed out what I am being charged as far as a daily finance charge ( {$2.00} ) and it was what my charges were typically last year when I looked at my monthly statements, but so far this year I have been charged {$170.00} & {$180.00} for XXXX and XXXX. I am ahead so another payment wasn't needed until XXXX. All last year the charges were around {$87.00}
Consumer complaint received 2022-10-31
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$360000.00}.
Consumer complaint received 2023-04-10
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. (NY)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX Date Opened : XX/XX/2015 Balance : {$3800.00}
Consumer complaint received 2023-04-10
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: CITIBANK, N.A. (FL)

A company, XXXX XXXX XXXX XXXX put a charge on my credit card for {$200.00} the last four digits of the card # XXXX. This merchant did not swipe my card on a " XXXX XXXX XXXX '', but instead took a picture of the front and reverse side of the card. I never signed for the charge, and never received an email receipt for the transaction. 
Approximately, one week later the charge appeared on my account. The merchant who does not have a physical address, nor a valid phone number made a duplicate of my card and attempted to use or allegedly sold such information to others who saught to apply fraudulent charges to my account. The XXXX XXXX Florida Sheriff 's office told me this is a common practice. I should have never allowed them to take a photo of my credit card. 
This was reported to Citibank, which at first reversed the charge, but since has negated their decision. 
The bank states the merchant has supplied documentation confirming I participated in the transaction. How is that possible, I never signed anything.
Consumer complaint received 2023-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have an inquiry on my credit report for XXXX XXXX dated XX/XX/2023 / XXXX XXXX XXXX XXXX XX/XX/2023 I did not authorize or apply for their service or product this account has to be fraudulent.
Consumer complaint received 2023-03-21
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. (TX)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX A XXXX Balance : {$1700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00} XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-03-21
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 Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # 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 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 2023-03-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I sent my letters off on XXXX XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 

According to the FRCA the term Investigate Consumer Reports.

Means a consumer report or portion thereof in which information on a consumers character general reputation personal characteristics or motive living is obtained personal interviews were neighbors friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such item of information. 

They stated my accounts was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting a 100 % accurate and according to the FRCA 15 USC 1681 everything has to be a 100 % accuracy I have I've the credit report showing the inaccuracies. 

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 2023-03-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY (CA)

I started receiving collection notices from a bank I have no business with and called to inquire. 

I discovered someone had opened an account in my name and purchased goods totaling {$1700.00} through the XXXX XXXX XXXX with TD Bank and TD Retail Card Services. I don't use TD Bank, have no XXXX products, and have never done anything with the XXXX XXXX XXXX. 

As soon as realized this I called TD Bank to report fraud and place a hold on the account. They instructed me to submit a written complaint which I mailed and was received by TD Bank on XX/XX/2023. 

On XX/XX/2023 I received a letter from TD Bank describing they denied my fraud claim on the basis of provided recipes from the merchant to a free online email account that used my name in the email address ( ex. XXXX ). However, this is should not, and does not qualify as sufficient evidence that it was not fraud. Anyone can open a free online email with any email address. I now need to speak with the fraud and risk specialist again to further prove this was fraud even though I had already called, provided information, and placed a freeze on the account.
Consumer complaint received 2023-08-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (AZ)

Between the Dates of XXXX there were multiple transactions made to 2 companies who the parent Company is XXXX XXXX, the 2 Companies are ID 'd as XXXX XXXX and XXXX Slots Payments varied from XXXX {$50.00} and there were about 50 transactions, around XX/XX/2023 i was playing on a casino, which i played a specifi slot called the bear or something to that effect where i had a winning spin, i screen shot the winning spin to send to company, which i was told it was a Visual Error and what i was seeing was not actually what it really was ... Implying that it was my fault and they essentially closed my account, and refused any type of refund to me whatsoever. which i than reached out to one of the card companies cash app i used for multiple transactions, i disputed the charges and was told because there were multiple transactions its not a valid dispute, i explained that it took me that long to see they were not conducting business ethically and i wanted a refund, i did not think i should be paying for a scam. cash app basically told me to kick rocks.
Consumer complaint received 2023-03-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: United PanAm Financial Corp. (FL)

The company that financed my car United auto Credit has repossessed my vehicle Tuesday, XX/XX/XXXX, because it claims payments owed for the months of XXXX XXXX XXXX that after these payments were made, they were claimed/disputed in XXXX and that they returned those payments. to the bank / account of origin, which is not true since I have never ever claimed any payment made and my account statements show evidence of this, in addition to the fact that I went to the bank and they confirmed that said disputes were never requested or received no payment back I have the evidence of the payments made and the account statements that confirm that we send them but they insist that it is not their problem that I need to pay them and then I resolve with my bank later that I have to make these payments again and there is no other way out. They call me and other up to 6 times a day from different numbers they have offended me in so many ways and threatened to sue and affect my credit I am a XXXX XXXX so they interrupt my work all the time as well as leaving me very affected after each call. They will not send me any evidence that these payments were withdrawn they say they dont have to. I do not want to lose my vehicle or the money I have already paid for it. I need urgent help Thank you.
Consumer complaint received 2023-04-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eaton Group Attorneys LLC (LA)

The company sent a summons on XX/XX/XXXX. They claimed they sent paperwork about a garnishment in XX/XX/XXXX. I NEVER received any notification to settle the debt or anything. None of their letter were sent certified so how can they say I received it if I really did not. I did received the garnishment paper work in XXXX of XXXX but nothing between the supposed garnishment and now. I offered them {$2000.00} in XX/XX/XXXX and they refused it. This debt isnt valid. I do not get any settlement notification and when i had been calling in XXXX of XXXX they barely answer, they are rude and just are not willing to work with them. I am now forced to be self employed. I am still willing to settle for the {$2000.00} but the garnishment and judgement must go away for good and paid in full! They were serving lawsuits in the middle of a pandemic and its sad that judges were really signing off on them! At my home we have cluster boxes and it would be easy for me not to received mail and I honestly never got any other correspondence from Eaton Group.
Consumer complaint received 2024-08-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (TX)

This company calls me at least 9 times during the day from different numbers. For example, on Monday XX/XX/XXXX, I received a call at XXXX XXXX from number XXXX, at XXXX XXXX from number XXXX, at XXXX from number XXXX, at XXXX XXXX  from number XXXX, at XXXX XXXX  from number XXXX, at XXXX XXXX  from number XXXX, at XXXX XXXX  from number XXXX, at XXXX XXXX  form number XXXX, at XXXX XXXX  from number XXXX, at XXXX XXXX  from number XXXX. 

This company has called me at work while I am in meetings, call the operator at work and had them transferred their calls to my desk number and so far, this company called me 15 days in XXXX on my work phone alone, including on Sunday XX/XX/XXXX. Only once, they left a message and the person accent made it very hard to understand what she was saying. I have a screening service but they hang up without leaving a message. I am frustrated!!!! This is harassment!!!!!! 

These are some of the XXXX numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. There are more but I don't have the time to list them all. One of the numbers did have the name Midland Credit Management on the caller ID.