davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

I accidently made an over payment to my Capital One Master Card ( CP1 ) in the amount of {$2400.00}, resulting in a positive over balance of nearly {$1900.00} to my account. This accidental over payment caused me to be over drawn in my checking. I asked on XX/XX/2020 CP1 supervisor XXXX  to return my payment and asked if could be done electronically for speed as opposed to their offer of returning the payment by check via USPS. Supervisor XXXX said yes they could but the processing of the payment had to be completed so to call tomorrow ( she also documented the account ). I called on XX/XX/2020 and talked with CP1 supervisor XXXX. We told her this over payment was an accident and it has caused a large over draft and to please quickly and electronically refund the payment of {$2400.00}. Supervisor XXXX refused stating that they can only return the credit balance of {$1900.00} ( vice the payment of {$2400.00} ) and that it had to be by check sent USPS taking 7 to 10+ business days. Supervisor XXXX decision differed from the supervisor the day before and it is injurious to me as I shared I needed the funds back soon as possible because I am on a budget and my checking was over drawn. Instead, Capital One policies allow them to bank my over payment monies for some 10-15+ business days ( half a month ) awaiting the check to arrive via mail and of course the time it takes to clear and process the check. There is no logical or valid reason not to electronically transfer the funds back quickly as I had requested. Supervisor XXXX said they would only do electronic if it is their error. Their biased policy is not only slow and customer unfriendly it allows CP1 to bank my over payment and earn their own interest to my demise. Request CP1 electronically transfer the funds ASAP back to my checking ASAP and notify me of same.
Consumer complaint received 2023-07-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ECMC GROUP, INC. (PA)

This is my second complaint with CFPB against XXXX  regarding the SAME issue. There is incorrect information on my XXXX  credit report being reported to creditors. XXXX claims that it is not. 

Hello, My name is XXXX XXXX and I am contacting you with regard to an ongoing issue I have been having with XXXX. That credit bureau is reporting inaccurate information ( 2 recent payments ) on my credit report. This inaccurate reporting and overall failure to update, has resulted in my having been denied a credit limit increase with one of my creditors recently. I also anticipate starting the home buying process in the near future and can not have this inaccurate reporting be an issue. In XXXX of 2020, I submitted a request to the U.S. Department of Education, requesting that my student loans be consolidated ( thus bringing them out of default status ). That application was ultimately approved. In XXXX of 2020, I received the enclosed notification from ECMC, one of the holders of two of my previously defaulted loans. In that letter, ECMC acknowledged having received the payment required to bring the two student loans out of default status. ECMC has also updated those two accounts with the credit bureaus to reflect closed/paid. While I do not dispute those accounts as having been in collections, I am again disputing the inaccuracy of the reporting. XXXX  is currently reporting that in XXXX of 2020, I missed a payment on each of the loans that they were holding ( for a total of 2 ). This is incorrect. Per XXXX, XXXX is reporting a late payment within the past 6 months. I also have a premier subscription with XXXX  that provides 3 bureau monitoring. My XXXX data under that monitoring service ALSO lists a recent missed payment. That missed payment is ECMC. There were no missed payments and even when the account was in a default status, I had been making monthly payments for over a year.I have disputed this via phone ( XXXX of 2020 ), as well as online, but the information has not been accurately updated. On XX/XX/XXXX, I sent a letter to XXXX ( via certified mail ), asking that they make the necessary corrections and/or updates on their end. On XX/XX/2020, I contacted them via phone to request an update. I was informed that they do NOT see any recent missed payments on my credit report. I again explained the information that is listed on XXXX and XXXX. XXXX  instructed me to contact the credit monitoring providers. I contacted XXXX  Customer Care and they explained to me that they could only update Information as it is provided to them by the credit bureaus ( in this case, XXXX  ). I am stuck in the middle and can not seem to get this information corrected. I again applied for a credit limit increase with a creditor was again denied based on information contained in my XXXX file.
Consumer complaint received 2020-08-25
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. (FL)

On XX/XX/2020. I received a letter in the mail from XXXX XXXX. It stated that they were notifying me of an incomplete application. XXXX XXXX specifically stated that they could not validate information provided in a credit application. The letter also stated that if they did not hear from me within 21 calendar days from the date of the application, XX/XX/2020, the application would be cancelled. I would like it to be noted that I did not try to get an account, service or any affiliation with this company. I also have a security freeze on my account to avoid any fraud or identity theft. 
With regards to this, however, I noticed that XXXX placed a hard inquiry on my Experian credit report. I did not authorize nor give permission for XXXX to access my credit profile. I did not try to obtain credit from them. I did not consent to, authorize nor benefit from this account, yet, their ILLEGAL hard inquiry on my credit report has caused me financial injury, invaded my right to privacy, defamation of my character and caused unfair practices on my credit report to occur. I am a Federally protected consumer and, as such, the ILLEGAL hard inquiry has been removed from my report but I have had to spend money and time that I can not regain to get this inquiry removed from my account. My rights under the FDCPA and FCRA has been violated. If I can not get compensated for this illegal practice, I will not hesitate to send out an intent to sue letter and I will take further actions as stipulated under the FDCPA and FCRA laws. This is my first step in giving the companies involved an opportunity to try to make amends to this unfair, illegal practice that they have sustained upon me.
Consumer complaint received 2021-01-18
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. (TX)

I placed security freezes on the 3 major credit companies due to identity theft I fell victim to. I recently applied for a personal credit card with XXXX and a business line of credit/ SBA loan but was told I was denied because they couldnt obtain a copy of my reports. I have tried to contact all 3 to have it temporarily lifted but have been unsuccessful. 
Thank You
Consumer complaint received 2020-08-25
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: Rocket Mortgage, LLC (MA)

My husband and I are looking to begin going through the home buying process and googled a pre-qualification online, and found QuickenLoans. They explicitly stated the difference between pre-qualification and pre-approval on a very helpful article on their website. The main difference being for pre-qualification it is not hard pull, and amount can vary and change, while pre-approval was a hard pull on your credit and more concrete amount for mortgage. Since we just started looking my husband and I opted for pre-qualification, while going through the process on Quicken Loans it prompted me to put in my personal information ( social security #, address, DOB ), and then the next screen was consent for Quicken Loans to " access my credit ''. The next page when I selected to continue, did not give me a pre-qualification number only a phone number to call. It was Sunday so we called on Monday, which Quicken Loans could not find my pre-qualification application, we were then notified later that day by our credit monitoring that Quicken Loans had done a hard pull on our credit. When we called them back we spoke with XXXX XXXX who stated that we gave " consent '' we expressed that it was misleading and we didn't even get a pre-qualification number, which she was also never able to provide us with. We asked her to remove the hard pull, ( XXXX said they have the right to remove the inquiry by law ), but they have refused to do so and will not direct me with anyone else to speak with.
Consumer complaint received 2021-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP (OH)

Two USBank credit account were opened in my wife and Is name. They are not will to budge with us that these are identity theft accounts. Claiming we opened them. Which we did not!

They are listed as Chargeoffs on my credit report. I pay all of my credit accounts on time. If I had opened these accounts. They same would have been done with theses.I have filed a police report and FIC report
Consumer complaint received 2020-08-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio recovery and associates has reported inaccurate, misleading, Unverifiable information on my consumer credit report. 

In & aroundXX/XX/XXXX Portfolio recovery and associates Portfolio recovery and associates has violated fcra rules section 1681 for not providing notice of dispute 5 business prior to reporting. This is a violation of federal law.
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (WA)

I just found that Chase closed my account because of lack of activity without notifying me and deleted all my ultimate reward points. I lost my account and lost points of more than XXXX which I could redeem as more than {$400.00}!
Consumer complaint received 2019-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

Second Request : I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. 

This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2020-12-22
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: GOLDMAN SACHS BANK USA (CA)

On XX/XX/XXXX I went to the XXXX store located at XXXX XXXX XXXX XXXX in XXXX XXXX. I made a purchase using my Apple card. I purchased TWO items under the same transaction. One I took with me. The SECOND one was to be delivered to my home. The total amount for BOTH was {$140.00}. 
I never received the shipped item and I am requesting a reimbursement for that unreceived item, it amounts to XXXX plus tax. 

I later found out that the clerk at the XXXX store did not type in the correct address when placing my order. I know this because once i got a delivery confirmation email, I immediately called XXXX XXXX and asked what address it was delivered to. The operator read that address to me and that is not the address I gave to the clerk on XX/XX/XXXX. I have my receipt from that day and my address was not printed nor did the clerk read it back to me, I had no way of knowing he got the address wrong. My address was wrong by one digit. XXXX told me I would get a replacement sent out and never did. I was also told a " manager '' would call me and that never happened either. 

I filed a transaction dispute with Apple card on XX/XX/XXXX or so and explained this to the rep. but Apple disputed the WHOLE transaction, not just the missing item. I am not disputing the entire thing, I just don't want to pay for the item that was not shipped to me and that I did not receive. I am disputing the XXXX order # XXXX XXXX, REF ID XXXX in the amount of XXXX plus tax. 

After about 2 months Apple sent me an email saying my apple card was legitimately used and therefore I am liable for the whole thing or something to that effect. I called Apple right back and asked if I could appeal that decision. Apple asked if I had new proof and I said yes, I do. If you ask XXXX to document what address the missing item was shipped to you will see it's not the address I have on file with you. I only have one address for all purposes. I explained all that the first time around, so I feel like we're going in circles. They told me the only thing they can do is dispute it again BUT again they disputed the WHOLE amount. I don't think they understand the delivery problem or it's not getting transmitted for some reason. Also they don't care to look at my sales receipt. To recap : I know I made the purchase. I am not disputing that nor am I requesting ALL of the money back. I simply want to be reimbursed for the XXXX plus tax item that was not sent to me. Apparently when Apple clerks hit dispute, it only lets them select the whole thing and I don't think it's being investigated properly. IF XXXX is made to show what address this was shipped to, it will not match my billing address on file with Apple Card. I only have one address for all intents and purposes.
Consumer complaint received 2020-08-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (MD)

Good Day on XX/XX/XXXX Navy Federal Credit Union took {$630.00} from my saving account XXXX. Alleging that I owe them from a charge off account whereas I had no knowledge off. The representative of Navy Federal on XX/XX/XXXX said a account was open up in my name. She provided the account number XXXX. ( Checking Account ). However I file a Bankrut in XXXX Whereas I was no longer to get a Checking account. Navy Federal claim that the checking account was open in XXXX. They ask me did I ever wrote a check to a Company. I  told them no. This Fraudlent charge was open under XXXX. The failed to provide me a copy of any documentation. Also in XXXX I lost my Dad and had XXXX. I don't know nothing about XXXX. If you have any question please contact me XXXX XXXX at XXXX XXXX XXXX. Your attention in this matter is appreciate. I seeking to get back {$630.00}. Also Navy Federal refuse to speak with me on this matter they hung up mulitple times on the phone to discuss this matter. I ask them to generate this Check under my name. I will be receiving a denial letter in the mail soon.
Consumer complaint received 2020-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

I logged a call to Citibank on XX/XX/XXXX. regarding a credit on my account in the amount of {$900.00} that was refunded from XXXX XXXX on XX/XX/XXXX. I was provided a confirmation number XXXX. I was told by the representative that the money would be put back into my checking account within 3 to 5 days. I've made several calls today only to get the run around. When I request to speak with a manager I either get hung up on or told they don't have one available to speak with. My understanding is that XXXX XXXX only has 7 business days in order to refund. Need help!
Consumer complaint received 2021-05-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

Hello, I opened an HSBC Premier checking account on XX/XX/XXXX through the following link : https : //www.us.hsbc.com/checking-accounts/campaigns/premier-checking/ I met the terms of the offer by having deposits greater than {$5000.00} each of the three months after my opening month, i.e. XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX and XXXX ( XX/XX/XXXX ). 

The offer states that the {$450.00} XXXXme Deposit Offer will be paid approximately 8 weeks after completing all qualifying activities.

When I had not received the promotional credit by midXXXX, I reached out to HSBC and inquired. They advised, " the account did not meet the requirement for the promotional bonus as the account was not opened in the offer page which is required to be eligible for the bonus. '' They are contending that I did not open my account through the above link. First, I insist that I did. I navigated to their site directly through that link and never went to any other page to open my account. If their system is broken and they can not tell what link I used, it is not fair to deny me the bonus I signed up for. 

Supporting documents are attached. 

Thank you, XXXX XXXX
Consumer complaint received 2019-10-25
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (IN)

On XX/XX/2019, Comenity Bank Representative, XXXX was in violation of the Fair Debt Collection Practices Act Section 805 ( b ) by contacting an unauthorized third party regarding this business matter. According to law, the fine for such negligence is {$1000.00}. For your information, XXXX left the following contact information on a former relative and otherwise unauthorized persons voicemail : XXXX ext. XXXX. 

I sent a letter to Comenity Bank on XX/XX/XXXX regarding their negligence and requesting to resolve this violation and business matter, by paying the fine in the amount of {$1000.00} by applying it to both accounts affiliated with Comenity Bank ( XXXX XXXX  XXXX XXXX and XXXX ). The Recovery Team of Comenity Bank for XXXX sent a response on XX/XX/2019 acknowledging receipt of my letter to cease and desist communication to third parties and offered a settlement for me to pay however this is not what I stated within the letter. Amount owed to XXXX {$760.00}, settlement offered {$380.00}. 

I stated in closing : " You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission, Consumer Financial Protection Bureau and the Indiana Attorney Generals office. Civil and criminal claims will be pursued. ''
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2020-08-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: EDvantage LLC (CA)

I am currently unemployed from my job and I filed for my pandemic unemployment insurance and have been waiting for weeks because of the processing. I have spoken to the representatives over the phone explaining to them that I am not employed and will contact them when I can find employment to make payments. The company Tuition Options is a private education loan account with XXXX UNIVERSITY where I graduated. I owe the principal balance of {$3000.00}. I am receiving calls every month from them right after I have told them my unemployment situation. I've already explained my economic hardship to them and it seems as if they don't care they just want their money. I haven't even paid my rent for months, car payments, and now this. I just want to get this resolved.
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX  Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX