davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, Tennessee XXXX Acct # XXXX Capital One CAPITAL ONE, XXXX XXXX  XXXX XXXX XXXX, VA XXXX CC : Consumer Financial Protection Bureau XX/XX/2020 To Whom It May Concern, I am making a formal complaint regarding your credit inquiry process. 

I am distressed that you have reported excessive hard credit inquires to my credit report when it was communicated to me by your representatives that Capital One offers via XXXX XXXX were soft inquires and therefore would not appear on my credit report at all. It was also communicated to me that once I already had credit card from Capital One that any additional loan inquires would only be soft inquires. 

There should be only one hard inquiry on my credit reports for Capital One. As it stands today my XXXX XXXX and XXXX credit reports each shows multiple hard inquiries from Capital One which negatively impacts my credit rating. This is especially distressing because I was a great customer and always made my payments on time. I did this with the thinking that Capital One would definitely see me as a great customer ; however its a slap in the face to see that my great stewardship and diligence to build a positive credit trade line ends up actually hurting my credit score. 

Therefore I contend that Capital Ones processes for credit inquires exceeded expectations and was performed without properly informing me, the customer that these were hard versus soft inquires to my credit. I also contend that Capital One should do more to properly educate their representatives and potential customers on the difference between hard versus soft inquires as it was clearly not communicated to me that obtaining and properly paying on a Capital One account would be negated due to excessive inquires. Had this been properly communicated Im quite sure I would not have applied at all. 

Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation.
Consumer complaint received 2020-01-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have attempted to login to Transunion 's online dispute portal. I have encountered two error messages and a page that requires my waiver of rights before I'm able to view the results of dispute, of which there is none after logging in. 

Transunion appears to be retaliating against my family after my wife, an account holder on my XXXX XXXX credit card, submitted a dispute for the amount of the credit card. The credit card had been paid in full and Transunion was taking weeks to update the balance. Transunion negated her credit score which reflected her as still establishing credit when her score was XXXX. We battled weeks with Transunion to get them to report correctly after XXXX XXXX had sent them new reports reflecting a XXXX balance. Transunion stated it could take 60 days. 

Now I am unable to submit a dispute online? I have screen shots showing the difficulties I've encountered : It should not be this difficult to simply access the dispute process. This is more than just poor design, this is either incompetence or retaliation. At this point it seems Transunion is retaliating against my wife and I for simply trying to improve our scores so we can make a motorhome purchase. Transunion has made this process extremely difficult and wasted days of our time trying to resolve this matter so we can get to the next step.
Consumer complaint received 2020-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (IN)

LOANCARE sent letter that I did not have enough coverage on home when I did. So I changed insurance companies on XX/XX/2019, See attached bill. LOANCARE never paid the premium out of my escrow account so I received a policy cancellation from XXXX. I then called XXXX   and paid the {$680.00} in full and then Called XXXX XXXX XXXX to complain along with LOANCARE and they said I show a payment was requested to XXXX and she would do it again, I told her at that time not to bother because I paid it in full and wanted them removed from doing my escrow. They refused and then send me a bill for {$330.00} for lack of insurance coverage because they did not do their job, I received a letter on XXXX XXXX saying I owe {$330.00}. I have reached out to XXXX XXXX XXXX to complain and no reply. LOANCARE is playing games and will not correct their mistake. 
I will not pay this bill as it was not my error and if and attorney and law suit is required I will hire an attorney
Consumer complaint received 2020-01-07
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. (IL)

Since 2017, XXXX XXXX and XXXX XXXX XXXX say i owe {$23000.00} dollars when i don't. As a result i have been denied 2 mortgages. I filed 3 disputes with XXXX and equifax and supplied court documents. XXXX removed that alleged debt from my credit report. The debt is not mine, and/or not truthful. I even submitted the court documents to equifax and XXXX and XXXX XXXX XXXX I have no judgements against me from anyone. 

The refuse to remove it.
Consumer complaint received 2020-01-07
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. (AK)

XXXX  ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I receive a paper statement in the mail however, this statement failed to be delivered. When I realized that this statement never arrived I immediately contacted the creditor and made the scheduled payment. I was assured by the representative that I made the payment with that no late fee would be given. I did not realize there was a late fee until I obtained a copy of my most recent credit report. This false reporting of lates is seriously harming my credit score and this item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-12-29
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (VA)

I received an American Express XXXX XXXX XXXX XXXX through my job on XX/XX/XXXX. After having transactions declined on XXXX, XXXX, XXXX, and more, I called on XX/XX/XXXX to ask about how to use the card since on their website it says it can be used online. They said the card was declined due to security measures, but are unable to provide any information on how those security measures work or how to bypass them to actually use the card. I asked to be connected to a supervisor and was left on hold. I used it on XXXX online successfully and in person at XXXX. 

On their website it says, " They can be used virtually anywhere American Express Cards are accepted in the U.S. '' and does not include any information on their security measures, where the card may be used, or any relevant information.
Consumer complaint received 2020-01-07
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2020-01-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

I have been enrolled in PSLF since I graduated XXXX school in XX/XX/XXXX. I believe I was officially enrolled as of XX/XX/XXXX. I was initially with XXXX XXXX, then XXXX and now Fed Loans since XXXX. I have been having issues with my number of loan payments being reported inaccurately. I have not missed a single payment since I enrolled in PSLF. In fact I overpaid by accident about 2 yrs ago and it put me in " Paid Ahead '' status. I still continued to make monthly payments even though it said I owed XXXX dollars. I asked fed loans to do a manual count in XX/XX/XXXX. They responded back to me in XX/XX/XXXX stating that they corrected my counts but did not provide details of what exactly they corrected. They told me that they were going to provide me an excel file that shows all the payments that were counted but I still have not received that. They also sent me a letter in XX/XX/XXXX that showed how many payments were counted from each of the employers for whom I turned in the employment certification for. I did my 2 year fellowship at XXXX ( XXXX XXXX. XXXX XXXX ) at XXXX XXXX. The letter dated XX/XX/XXXX shows that ZERO payments are counted from when I was at XXXX XXXX, even though I turned in my employment certification. I asked Fed Loans to correct this but have not heard back from them still. I had initially used GL Advisors to help me enroll in PSLF in  XXXX. I learned from Fed loans that they did not turn in all the paperwork for all my loans at the same time. So I understand that the starting date of my loans might be off by few months, however I think they just completely missed 2 yrs worth of payments when i was in fellowship XX/XX/XXXX-XX/XX/XXXX, or else maybe when I was in paid ahead status, they did not count those payments, I am not sure. It has been extremely frustrating dealing with Fed Loans trying to get an accurate loan payment count. The last employment certification I turned in was in XX/XX/XXXX for my current employer.
Consumer complaint received 2019-08-01
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: Paypal Holdings, Inc (MA)

XX/XX/XXXX Merchant charged my card {$58.00} XX/XX/XXXX Merchant canceled contract XX/XX/XXXX & XX/XX/XXXX I contacted merchant asking for refund. No reply to either. 
I contacted Venmo/PayPal to dispute charge. They asked for the same information daily for a week. 
XXXX Declined the dispute claiming I need the merchant to AGREE with my dispute in writing! Isnt that what a dispute is for?!?! 
I supplied the email from the merchant notifying of contract cancelation.
Consumer complaint received 2019-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I applied to a capital one credit card after it was suggested to me as " fantastic '' odds of approval on XXXX, the service I use to monitor my credit. I applied online XX/XX/2019. The application ID number is XXXX. On XX/XX/2019, I received a letter from Capital One asking for more information to be faxed or mailed to them. I faxed the documents requested ( income verification of my yearly income from my school as indicated as an acceptable document for income verification ) on XX/XX/2019. I faxed through XXXX XXXX which confirmed my document wet through. The next day, I called the number listed on the Captial One letter requesting my information to verify the fax was received. The phone is a robotic auto prompt. I followed the prompts to check on the status of my application and it reported to me that it was received and I would receive notice of the decision within 10 business days I am a law student and the last three weeks I have been in finals. Today, before my last final, I called to follow up on the application and found that capital one received it on XX/XX/XXXX but it was illegible on their end. They did not call me, write me or otherwise attempt to contact me and let me know of the transmission issue. They sat on my application for 21 days before closing it out saying I failed to send my documents. I have a copy of what was transmitted to them and it is a typed letter, clearly legible. As a full-time law student, I am very attentive to my credit and put a lot of thought into it before I decide to apply for something that will pull a hard inquiry on my credit. I would not have submitted my approval to pull my credit if I thought Capital One was going to discover an issue with a document I sent in and refuse to contact me. Further, they have not sent me anything about my denial or my rights as a person who had a hard credit report pulled and credit denied. I called and spoke with a supervisor, XXXX, at capital one this morning and stressed all this. She said If I want to reapply, I can but it will be another hard credit pull. Further, XXXX told me my application was denied on XX/XX/XXXX and even still, I've received no documentation or contact from them at all. 

this is blatantly unfair and unethical practices on Capital One 's side of the bargain. I didn't agree to them running my credit and refusing to take any action to actually evaluate my creditworthiness. I asked them to remove the hard inquiry on my credit but they said they could not do that because I approved it, even though the conditions I approved that on were based on good faith and fair dealing with me as a consumer and a particularly vulnerable student.
Consumer complaint received 2020-01-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Professional Bureau, Inc. (TX)

I checked myu credit score and discovered this from a supposed 2018 incident. 
I have not received ANY bill or notification This was supposedly paid by a charity after I gave them {$35.00} for processing I don't know who these perple are. 

THIS IS FRAUD
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (CA)

constantly being charged for overdraft and for monthly XXXX $ service fee when I use my card constantly. It gets me the the point I want to cancel my Wells Fargo account with how many times they have done it.
Consumer complaint received 2019-12-17
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: U.S. BANCORP (CA)

We filed a claim in regards to fraud charges multi times, sent out explanation letter requesting further investigation but got ignored. Power of Attorney has sent via certified mail but no one contacted me or my dad.
Consumer complaint received 2019-11-30
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: Clarity Services (MS)

I recently conducted a ANNUAL review of my Credit Reports. I noticed a HARD INQUIRY, by CLARITY SERVICES INC, on my XXXX  Credit Report ( See Attached ). I called CLARITY SERVICES INC and they said they are PART OF XXXX, and they did a HARD INQUIRY on my XXXX  Credit Report because of a Payday Loan I applied for in XX/XX/2018. I have never heard of CLARITY SERVICES XXXX, and when did Payday Loan companies start doing HARD INQUIRES on applicants ' Credit Reports?! 
I asked CLARITY SERVICES INC to mail me a copy of the Payday Loan Application that I signed CONSENTING to a Consumer Credit Report Inquirythey sent a packet of worthless paperwork, but they did not send the documentation that I asked for.
Consumer complaint received 2019-08-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC. (TX)

XX/XX/XXXX Halsted Financial RE : VALIDATION OF ACCOUNT Reference Account # : XXXX To Whom It May Concern, This letter is being sent to you in regards to the letter I received dated XX/XX/XXXX ( attached ) which is advising me to make payment of a debt I do not owe. Please be advised that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation was requested. 

Additionally, I am a victim of identity theft and have attached the documents along with this complaint. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section of the Fair Debt Collection Practices Act. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes.

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.

3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6. What did you pay for this account, and how did you calculate the current amount owed? 

I require compliance with the terms and conditions of this letter within 30 days of your receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. 

In addition, the Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will not report this information to the Credit Reporting Agency until full validation has been completed. 

I have sent a copy of this request for validation to the three national Credit Reporting Agencies to begin their 30-day investigatory process concurrent with your investigation. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-08-01
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: Experian Information Solutions Inc. (NY)

Hello, On XX/XX/XXXX I received an email from Experian stating that I had changed my email address associated with my Experian account. I had not initiated this change. I tried calling Experian and was able to put a fraud flag on my credit accounts, but was not able to speak to a person. I have emailed their customer service 4 times with no response. At this point someone has had control of my Experian account and all the information associated with it for 24 hours. I can not log into the account, I can not reach anyone at Experian. Please help me reach them and regain control of my account. I am a single mother of 2 and I don't have the resources to handle the fallout from identity theft. Please advise. Thank you.
Consumer complaint received 2019-08-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

In the past when I financed an Auto Loan, Full Coverage was mandatory. Now that there are online options, this is no longer a requirement. Unfortunately I learned that I did not have full coverage after the car was totalled and filed the claim that Capitol One does not work with online Insurance providers ( XXXX in this case ) to ensure that when a customer applies for online insurance, they are not required to have full coverage anymore, even though the Auto Loan is financed. 

This was never the case and I have owned and / or leased 5 cars and we could not even fathom driving an Auto that was financed and not be fully covered. 

Hence this was rude awakening and I am payting the XXXX on the car, that is totalled, sitting in my garage. 

I am writing to ask that you look into this to ensure that other customers are forced to have Full Coverage, even when applying for insurance onlines. And that Auto Lenders are also required to protect the consumers by ensuring their VIN numbers are flagged.

Capitol One does not have a meaning full check in place to ensure they are covered and their consumer is protected. XXXX completely makes out because they do not have pay for damages. Capitol One claims that the check they have in place is to send a letter. They sent a letter and my address was input incorrectly so I never received the letter. And there was not another follow up so Big Banks and Insurance Companies win, Consumer does not get meaningful protection. 

So I have a totalled car sitting in my garage that I owe $ XXXX on. XXXX wins, they do not have to pay the damages. Capitol One wins, I am still forced to make payments and I know from experience, working at XXXX, XXXX, XXXX XXXX, XXXX, the goal is sales and the User Experience flows are not tested and this appears to be deceptive on purpose. XXXX could fix this and Capitol One should demand it. 

Consumer loses, they were not protected at the onset and didn't understand that full coverage was not required for an Auto Loan and assumed they were covered. I have had 5 auto loans and it was impossible to obtain insurance, when financing, other than full coverage. The new Digital Experiences find work arounds and hence, I would like this to never happen to another person. 



XXXX online website should be tested and user flows verified for many scenarios : Adding new insurance on a car that is financed should require Collision insurance. The Vin # should be flagged and if a customer tries to add insurance and does not select collision, the customer should not be able to proceed to obtain coverage. I had a Capitol One Auto loan and my daughter set up the insurance. I thought she had collision, because in my previous purchases of Automobiles with Outstanding loans Collision was MANDATORY. XXXX has found a way around with the gap in the online policy purchases