davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-09
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

In response to capital Ones " position '', You Capital One stated " After conducting a review of your account, we made the decision to suspend and close your account on XX/XX/2021. We appreciate the additional information youve provided ; however, after further review, we can confirm that our decision will not be reversed. Please be assured that the decision to suspend and close your account was based on business concerns that did not relate to your credit worthiness. '' Pursuant to 15 usc 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. Capital One utilizing my account in anyway without my permission an I have no benefit. Your customer agreement does not trump federal law and any federal judge will agree in the court of law. Why is Capital One sharing my private account information without my permission which is not only a violation of 15 usc 1602 ( p ) but also a violation and breech of my privacy as a federally protected consumer and natural person. As a courtesy I will forward all correspondence, violations of FDCPA, TILA and FCRA that your company has violated along with accompanying federal regulations to your states attorney general for further investigation into your corporations operations and practices. I will have your state attorney general launch an investigation into your unauthorized use of my account and personal information that you have shared without authorization.
Consumer complaint received 2021-09-09
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I made vacation reservations XX/XX/2021 and within a couple hours I canceled- not once - not twice- but multiple times with : XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX, FL XXXX XXXX *Email Us* at : XXXX *Visit UsXXXX at : XXXX Even though I emailed them to cancel [ XX/XX/2021 ], they continued to send me confirmations. I never completed a confirmation. Rather, I returned their email confirmation with a cancelation. I repeatedly sent them an email to cancel, but when their charge of $ XXXX appeared on my Capital One card, I disputed it. Capital One says I'm still liable. 

I have numerous emails showing cancelations, which combined with my lack of confirmation, should be sufficient to remove the charge. 

Since getting mixed up with XXXX I have found that the Florida XXXX  has received numerous complaints similar to mine with the same co. 

Please help me. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Ohio XXXX XXXX XXXX
Consumer complaint received 2023-03-01
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. (MD)

I checked again my credit report and found that some of the data werestill incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-24
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. (TX)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts immediately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-17
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I noticed that fraudulent charges and ATM withdrawals were made on my EDD Bank of America Pre-Paid Debit Card. Bank of America refuses to properly investigate these charges and/or reimburse me of my missing funds. 

After I noticed the fraudulent charges and suspicious ATM activity on my pre-paid debit card, I immediately called Bank of America and filed a claim to dispute the charges. There were 11 purchases ( {$770.00} ) and 24 suspicious ATM withdrawals ( {$3500.00} ) on my debit card. Not sure of how long Bank of America stored the pictures taken at their ATM locations, I made well aware ( and have continue to do so with every call ) that I wanted to view the photos of the ATM transactions that were in dispute. 

In a letter dated XX/XX/XXXX, I learned that my claim for {$3500.00} had been denied because ( they ) believe the account or the claim ( has ) been the subject of fraud or suspicious activity. During the next two weeks I called repeatedly to BofA prepaid card services and when I did reach a human, they were unable to tell me anything about my claim. 

On XX/XX/XXXX I got on the phone at XXXX XXXX PST and spoke to XXXX XXXX who told me to fax supporting documents including my FTC Identity Theft Report to the Bank of America Pre-paid Claims Investigation Division and express my desire to reopen my claim ( s ). On XX/XX/XXXX, I sent a 13 page fax to the Pre-paid Claims Investigation Division requesting that my claim be reopened. A month went by, and I never heard back from BofA regarding my desire to reopen my claim or even acknowledging receipt of my submission. On XX/XX/XXXX, I called to see if they received my request to reopen my claim. On XX/XX/XXXX, I received a letter stating that Bank of America had completed an additional review of my case and concluded that their original decision was correct and that they now considered the dispute closed. 

I called BofA on XX/XX/XXXX to request a copy of all documents including ATM photos that were used in making their determination. The agent said that I would be receiving a letter within 1 week with instructions on how to go about making an appointment with the local BofA branch to view the photos. One week passed by, and the letter never came so I called them again to follow up. I was simply told that they were backed up and to be patient and give it more time. 

It has been four months since money was stolen from my account. I called the police department to file a report. I filed an Identity Theft Report with the FTC. Ive done everything Bank of America has asked of me. I simply want an honest, thorough, and fair investigation. I simply want resolution. 

REF : claim # XXXX/ claim # XXXX claim # XXXX claim # XXXX
Consumer complaint received 2021-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Shellpoint Mortgage Servicing, has been handling my mortgage payments including an open escrow account which was supposed to take care of my property taxes. 
My county tax collector sent me a bill on XXXX for unpaid taxes with a late fee of {$400.00}!! ( those taxes were due on XXXX when I reached out to my servicing company, they claimed that they sent me a check of the open escrow so I can handle it myself!! ( something that can only be done if my account with them is closed, which was not at the time ) and by the way that " check '' never arrived!! 
I didn't want to get any more late fees so I went ahead and pay my taxes out of my savings, with the {$400.00} late fee!! and proceeded with a refinance with a different company. 
All I want now is my escrow balance including the {$400.00} late fee that Shellpoint made me pay as a result of their negligence. 

Sincerely
Consumer complaint received 2023-06-14
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. (SC)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX  Balance XXXX -, XXXX XXXXXXXX Balance : -, XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2021-02-17
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY (WY)

Someone impersonating a Wells Fargo collection department is contacting us to collect {$36000.00} from XXXX XXXX XXXX. 
It looks to be one of our XXXX  XXXX XXXX  but we have not ordered anything in that amount and are up to date with our payments. 
Our company name is incorrect on the invoice and the number that says to call about your account is XXXX, XXXX XXXX XXXX Who looks to live in the XXXX via XXXX.
Consumer complaint received 2021-02-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY (NY)

I opened an amex acct 2 cash my stimulus check. And now they r keeping my money hostage. Hissing about notary meanwhile b4 i opened acct on fone no such issue was stipulated it was ONLY ... .AFTER THEY HAVE MY MONEY IT BECOMES a self serving interest issue obviously 2keep my money. Lady in back office told me savings accts r 4saving and they consider it a abberant i want 2transfer my money2orher vetted linked accts in my name. They even make sure 2NOT PURPOSEFULLY GIVE u a debit card 4higher and extreme difficulties2access ur money
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-07-07
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: EQUIFAX, INC. (NY)

I'm not gon na lie, I'm XXXX off!!! On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care Of. Please delete the accounts below due to several violations of the law. The companies in question for the alleged debt or inquiries are as follows : ( 1 ) XXXX XXXX XXXX  XX/XX/XXXX, ( 2 ) XXXX XXXX XXXX XXXX XX/XX/XXXX, ( 3 ) XXXX XXXX MAZ XX/XX/XXXX, ( 4 ) XXXX XXXX XX/XX/XXXX, ( 5 ) XXXX XXXX XX/XX/XXXX, ( 6 ) XXXX XXXXXX/XX/XXXX, ( 7 ) XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX ( 9 ) XXXX XXXX XXXXXXXX ( 10 ) XXXX XXXX XXXX XXXX  XXXX ( 11 ) XXXX XXXX XXXX XXXX XXXX XXXX, ( 12 ) XXXX XXXX. I expect the CFPB to make them remedy this situation.
Consumer complaint received 2022-07-29
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: EQUIFAX, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureau to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$900.00}
Consumer complaint received 2022-12-28
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: EQUIFAX, INC. (CA)

I'M SUBMITTING A COMPLIANT REGARDING MY XXXX XXXX  XXXX XXXX CREDIT CARD ACCOUNT WITH A RECENT 30 DAY LATE REPORTING. I DON'T RECALL BEING LATE AND ACCORDING TO MY RESEARCH DEALING WITH LATE PAYMENTS, BECAUSE OF COVID 19 AND THE HERO 'S ACT, THIS SHOULD NOT HAVE BEEN REPORTED.
Consumer complaint received 2021-07-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC (MI)

On XX/XX/2021 I was checking my consumer credit file and noticed an account from RMP LLC for the amount of {$340.00}, I never recievd any documents from this company stating I owe them anything. They have violated mutiple laws including 15 U.S. Code 1692e.False or misleading representations ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
Consumer complaint received 2023-02-24
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. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-24
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. (CA)

Credit card account was entirely paid off in full & before due & shouldve been nothing but in good current standing. Instead account was still later charged off & placed negatively as a fully unpaid collection on all credit files. Since then, been disputing this w/creditor & all 3 burueas all of which only " investigate & verify '' & refuse to remove this boldly false & wrongful " account/info ''.
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I HAVE BEEN DEALING WITH THIS ISSUE FOR WELL OVER 13 MONTHS. I HAVE FILLED SEVERAL COMPLAINTS. XXXX DROPPED MY CREDIT SCORE ON TWO OCCASIONS, REASON THEY-STATED : I APPLIED FOR XXXX XXXX  CARDS IN THE SAME DAY. { I AM IN THE HOME BUYING PROCESS I WOULD HAVE NEVER DONE THAT } NOT AT THIS TIME, AND THEN ON THE SECON TIME THEY STATING THERE WAS XXXX INQUIRIES MADE ON MY CREDIT. ALL OF THIS WAS DURING THE TIME WHEN THERE WAS A FREEZE ON MY ACCOUNT. WHAT IS SO OFFENSIVE IS THAT THE LIST OF COMPANIES THAT THEY STATE I SUPPOSLY APPLIED FOR CREDIT WITH I HAVE HAD CREDIT CARD WITH THOSE COMPANIES FOR WELL OVER 6-10 YEARS IN SOME CASES. I FEEL THAT ALL THIS IS XXXX IN RETALIATION TO A PRIOR LEAGAL MATTER THEY AND MYSELF WERE INVOLVED IN SAUGHT-OUT TO DESTROY MY LIFE. MY SCORE WENT DOWN FROM A 790-ISH FIGHTING XXXX THE FIRST TIME. I GOT IT BACK UP. THEY DROPPED IT AGAIN, IM TRYING TO RESTORE IT FOR THE SECOND TIME. THIS IS WRONG
Consumer complaint received 2023-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE (CO)

We have always paid our CC early with the company Barclay Have been with this company for over 5 years XX/XX/2018 Always in Great Standing Never ever late EVER.. 
Always pay more then is due.. 
Credit limit was {$10000.00} recently, due to health conditions, I was laid off a job and taking care of health concerns! Due to lower income have used if your credit cards about 40 % But never late on any of them We currently listed our house for sale to downsize and its in escrow Barclay chose to lower our limit to XXXX and financially harm us in the buying of a new home, based on how usage of other cards not even their own Other cards that weve never been late on And have no collections are negative reporting whatsoever We have only Utilized 10 % or less most of the time With barclay! 
Yet they lowered our limit to {$1600.00} financially harming us while buying a new home They said it was due to high credit usage on other cards .. from credit report While selling our home and getting ready to move to smaller one to adjust our lives We noticed our credit score dropping 40+ points due to Barclay lower our limit Afraid we would do the same to them Although we never have in 5 years.. 
My husband still makes over XXXX year with his good job. 
Pays All the bills ON TIME When calling they Were made aware of the harm Their unethical actions caused us I spoke first with agent at portfolio unit name XXXX he said he could fix this but would have a manager reach out to me Then A mgr named XXXX called me To say sorry I could reverse this but wont Even knowing the harm they were causing us .. she was still unwilling to fix this! 
Said sorry And thats it! When I told her we would be contacting the CFPB To file a report and claim, she said she didnt care .. like CFPB doesnt help people, when I know they always have been a great support to us over the years
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

REMEDY This is about the Consumer Report received via mail, I came to know about a few inaccuracies and even some fraudulent information and accounts that was reported in it.

While According to 15 USC 1681 ( a ) ( 2 ), an elaborate mechanism must be developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
Your Company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. 
If the debts were valid you created a false impression that I was not able to pay the alleged debts. 
O As a result, I was discriminated against and denied my right to extend credit. I also suffered emotional as well as financial hardship. Therefore, your Company is liable according to 15 USC 1681o.

I hereby grant your Company, the opportunity to
remedy this matter by doing the following things : 1. DELETE FEOM CONSUMER REPORT 2. I DEMAND {$1000.00} for damages Thank you for your cooperation