davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Have had a Capital One Quicksilver credit card since XX/XX/XXXX. My payments have always been on time and I use the card regularly, despite the nearly 32 % APR. I started with a {$500.00} credit limit that was raised once, by {$100.00}, in XX/XX/XXXX. My credit limit has remained at {$600.00} since. I have applied for an increase numerous times in the last 18 months on the Capital One website, and receive the same computer-generated response each time, that " existing use of current credit line has been too low ''. I have called and spoken to supervisors, asking why this is happening, and either get the same answer as the automated letter. I explained that with a {$600.00} credit line it is impossible for me to use too much of the available credit without maxing out the card. For the past several months I have charged close to {$300.00} each month, always pay my balance in full, and am still declined for an increase. I have spoken to supervisors and have considered closing the card, as I have excellent credit, lines over {$10000.00} on other non-Capital One accounts, and receive NO help. Most of the representatives and supervisors have been blatantly rude and seem to care less about keeping my business. The ONLY reason I have not already closed the card is because I do not want to affect my credit history, but at this point I am willing to take the hit due to the treatment I've received from this terrible company. I've had reps hang up on me and have never once received any follow up, which is why I feel my only recourse is to file this complaint.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CL Holdings LLC (GA)

Jefferson Capital has a collection on my report for almost {$10000.00} and the same company is reporting another debt for {$14000.00} that Im not even aware of nor have I received any documentation about any before hitting my report.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (NY)

Subject : Formal Complaint Regarding Unauthorized Use of My Social Security Number as a Credit Card, Unreported 1099C Forms, and Violations of 12 USC 1431, 15 USC 1691, FRCA, and Privacy Act ( 5 USC 552a ( 10 ) ( 3 ) ) Dear JP Chase & Co Customer Service, I am writing to file a formal complaint against JP Chase & Co due to a deeply concerning series of incidents involving the unauthorized use of my social security number as a credit card. Additionally, I have discovered unreported 1099C forms for accounts ending in XXXX, XXXX, XXXX, and XXXX. These incidents not only raise significant concerns about my personal security but also questions about the safeguards your institution has in place to protect sensitive customer data. 

I recently became aware that my social security number was used as a credit card number for transactions and financial activities without my knowledge or consent. This unauthorized use of my social security number is an egregious breach of privacy and security, and it is of utmost concern to me. I strongly believe that the unauthorized use of my social security number as a credit card constitutes a severe violation of consumer protection laws, including the Privacy Act ( 5 USC 552a ( 10 ) ( 3 ) ), 15 USC 1691, and the Fair Credit Reporting Act ( FRCA ), as passed by Congress. Moreover, these incidents may also raise questions about JP Chase & Co 's compliance with the power and duties outlined in 12 USC 1431.

Additionally, I have discovered unreported 1099C forms for accounts ending in XXXX, XXXX, XXXX, and XXXX. These unreported forms raise concerns about financial transparency and compliance with IRS regulations. 

I request an immediate and thorough investigation into the unauthorized use of my social security number as a credit card and the unreported 1099C forms. I also urge JP Chase & Co to take immediate corrective actions, including investigating and rectifying any unauthorized charges or transactions, and ensuring full compliance with consumer protection laws, IRS regulations, and the Privacy Act. 

I expect a written response to this complaint, outlining the steps taken to rectify the unauthorized use of my social security number, the resolution of unreported 1099C forms, and a commitment to strict compliance with all relevant regulations and laws. Your prompt and cooperative response is imperative to resolve these issues and restore my confidence in your institution 's commitment to data security and transparency.
Consumer complaint received 2019-10-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

On XXXX of XX/XX/2019 I have opened checking account in Bank of America ( BOA ) using promotion offer for those who live in Idaho ( I live there ) and few more states ( full details in offer.pdf ). Requirements to Receive the Online Only {$350.00} Checking Account Bonus and ATM Fee Waiver : ( 1 ) Open a new eligible Bank of America personal checking account by XX/XX/2019 ( you must use the Open now link on the offer page at the time of account opening to be enrolled in this offer ) ; AND ( 2 ) set up and receive Qualifying Direct Deposits equaling a total of {$4000.00} or more in your new personal checking account within 90 days of account opening. I had successfully opened the account using code XXXX ( please see the screenshots evidence1.png and evidence2.png as a confirmation - I removed personal information but have original ) On XXXX I have made a call to the support of BOA and it was confirmed that offer is attached to my account. From XX/XX/2019 till XX/XX/2019 I have accumulated {$4500.00} in direct deposits thus qualifying for the sign up bonus. However, even before qualification I received a letter ( dated by XX/XX/2019, ref # XXXX ) from BOA stating that I have been qualified just for {$100.00} without any explanation why my previous offer was changed. I made a call to the support and I was explained that offer XXXX never existed, which is absolutely not true as evidence2.png shows. So BOA gave me different offer of {$100.00} and deposited {$100.00} later to my account. I insisted that the offer XXXX did exist as I had screenshots and saved offer page. Then I was told that I need to wait until all direct deposits will accumulate above {$4000.00}. After getting {$4000.00} in direct deposits I called again and support told me that my case was escalated with ref # XXXX. I was told to call after 30 days, what I did on XXXX, XXXX. During this call I was told that by this ref # there is no escalation of my case. I submitted new escalation to receive remaining {$250.00} with ref # XXXX. 
I am complaining here about unfair " bait and switch '' practice by Bank of America and wasting clients time. I hope for quick resolution of my case and prompt deposit of {$250.00} from Bank of America.
Consumer complaint received 2019-10-01
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: EQUIFAX, INC. (CA)

I am a victim of identity theft ; I discovered accounts reflecting badly on my credit report today XX/XX/19 when I was denied from opening a credit card at my bank. None of these accounts are mine ; I did not open them nor have I ever gave anyone permission to open them in my name with my personal information. I have reason to believe that these accounts belong to my father XXXX XXXX XXXX. I have already filed a police report regarding these accounts. I do not have any written/verbal contract with any of those companies and I never allowed them to run or access my credit file. I never gained anything from these accounts such as money, goods, services or any other benefit.
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

For the last XXXX years, I have asked TransUnion, XXXX, and XXXX to delete a charged-off account that I have with XXXX XXXX because they keep re-aging it, which is a violation of the FCRA. However, instead of removing the account based on their inaccurate reporting, they keep re-aging and reporting the account with the same factual error ( re-aging ) which is a violation of the FCRA. This account 's date of last activity was on XX/XX/2020. Yet, XXXX and TransUnion keep moving the the date of last activity to every month, including this one, and XXXX moved it to XX/XX/2020 and has never bothered to correct it. I have sent letters to all three bureaus almost every month for the last year requesting the account to be remove. Yet, they have ignored my requests and keep re-aging the account in violation of the FCRA. The date of last activity determines how long an account will stay in my credit report. By re-aging this account they are repunishing me over and over again and the account will never drop off my credit report.
Consumer complaint received 2023-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

These items are in litigation. Please delete these Items 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 2023-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending these Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is my third 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 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 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 2023-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

DISPUTE RESPONSE! 

15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 


AS OF XX/XX/XXXX Account name : XXXX XXXX XXXX Account # XXXX BALANCE XXXX Balance updated XX/XX/XXXX Original balance XXXX Date opened XX/XX/XXXX Account type auto loan Last payment XXXX XXXX Contact info XXXX XXXX XXXX XXXX, TX XXXX I have notice fraud account on my credit profile And consumer reports THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 

DELETE THIS FRAUD ACCOUNT IT HAS BEEN OVER 30 DAYS! 
IAM DEMANDING THIS AS AN FEDERALLY PROTECTED COMSUMER!!!
Consumer complaint received 2023-07-22
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. (TX)

Subject : Validation of Debt Inquiry - Account Reporting Dispute Dear Sir/Madam, I am writing to dispute the accuracy of certain information appearing on my credit report. According to the provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692g, I hereby request validation of the debts associated with the following accounts : 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  After carefully reviewing my credit report, I have noticed that the aforementioned accounts have been reported, but I wish to assert that I have no knowledge or recollection of these accounts. As per the FDCPA, I have the right to request verification of the debts to confirm their validity and accuracy. 

I dispute the accuracy of the account number, high balance, and any late payments associated with these accounts, as they do not align with my financial records and do not meet the guidelines established by the Fair Credit Reporting Act ( FCRA ). As such, I am seeking detailed information on the origin and validity of these debts. 

In accordance with the FDCPA, I kindly request the following information for each account : The complete account history and details of the original creditor, including the date the account was opened and closed ( if applicable ). 
Verification of the debt amount, including an itemized breakdown of the outstanding balance, interest charges, and fees. 
Documentation proving that I am legally obligated to pay the alleged debt. 
A copy of any signed agreement or contract pertaining to the debt, bearing my signature, that confirms my acceptance of liability for the alleged debts. 
Proof that the statute of limitations for collecting this type of debt has not expired. 
Please be informed that until these requested details are provided, I expect that the disputed accounts be flagged as " in dispute '' to prevent any negative impact on my credit score and creditworthiness. Additionally, I request that all communication related to these accounts cease until their validation is completed and the accuracy of the reported information is verified. 

Kindly acknowledge receipt of this dispute letter within 30 days of its receipt. If you fail to respond or provide the requested validation within the stipulated timeframe, I reserve the right to seek legal remedies available to me under the FDCPA and FCRA. 

I have enclosed a copy of my credit report highlighting the disputed accounts for your reference. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have been out of work from a medical issue and have not been working. I called Capital One and asked if there was any help they could offer such as repayment plan. Unfortunately they had only one plan to assist me. I was asked what I can afford I said {$100.00} and the plan that was offered was {$520.00} a month for 3 months. I explained to them what I just said I could afford only {$100.00} monthly. Even if it was temp. I went through this last year and had to file a complaint because there was not one plan or program to help with people who have an accident and go into hospital and are out of work. I had someone from Corporate call me and they were understanding and was able to assist with a plan temporarily. The lady stated if I had any problems or needed any assistance to call Capital One. I did just that and I was turned down. I was in a very XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXk XXXX XXXX XXXX XXXX XXXX XXXX. I am asking for someone to call me back to speak to me about this. I am very stressed out and have been depressed I really just need to speak to someone that truly understands life happens and I don't want to have my bill go unpaid I DO want to pay it but need a little bit of understanding and a little time to make all the payments. I would think Capital One would want to help customers with circumstances out of their control and who want to pay but have been seriously hurt bad enough to be out of work for an extended period of time.
Consumer complaint received 2023-07-18
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. (NV)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
US DEPT ED XXXX Balance : {$200.00} US DEPARTMENT OF EDU XXXX Balance : {$200.00} U S DEPT OF EDXXXX XXXX Balance : {$200.00}
Consumer complaint received 2023-07-18
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. (CA)

This is one of my numerous 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 XXXX XXXX XXXX, and XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX ) XXXX.
Consumer complaint received 2023-07-18
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. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-07-18
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-18
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)

Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting the bureaus to look into this matter as required to do so under the FCRA but my request seems to be ignored. The following accounts that continue to cause damage to my personal file are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX