davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

Complaint pertains to Capital One treat me unfairly and behaving in a deceptive manner to their advantage. 

I have been a Capital One Savings account holder since they were ING Direct. 

I have 4 accounts : 360 Savings and XXXX XXXXXXXX XXXX with significant balances ( XXXX figure average balance ). The interest rate is held at 0.3 % and 0.8 % respectively. 

Sometime in XXXX, Capital One got rid of these 2 banking products and replaced them with " XXXX XXXX XXXX '' which current has a yield of 2.2 %. I noticed on XX/XX/XXXX that the yields on my accounts were under-performing and then with some research not in line with advertised rates. I called the client desk on XXXX and got a gentlemen who told me " it was no problem i can just open a new account and move the money over ''. 

These old products remained at the old rates and were not updated to reflect the newer rates available. The old products were left in place for existing customers and not moved across. Meanwhile Capital One had been marketing for new money ( new clients ) without marketing to old clients that their products were defunct and the rates would remain low. I did further research and took some screenshots to evidence this. 

I spoke to Customer Service on XX/XX/XXXX and discussed in detail the concept of treating clients unfairly. Of primary concern : neither of the 2 people i spoke with were aware of Reg DD, TISA ( Truth in Savings Act ) or UDAAP. After a 10 minute hold, i was informed that my account had a marketing exclusion so there fore i was not to be told that my product was going away and that my money would be left sitting in account that would not be updated to reflect market rates or offerings. Additionally, old accounts were not to be moved across they were to be left in place until the client actioned a request to open a new account. In the attachment provided, i have moved most of my balances out of Capital One this week and will move the rest tomorrow A couple of concerns here : - Marketing exclusions relate to new products/offering, but surely the bank still has a responsibility to inform clients of changes to their product such as it being made defunct? 
- how many Capital One customers currently are making below average returns on their savings because Capital One has left them in an old savings product that isn't yielding properly and the bank hasnt told them? 
- How much money has Capital One made in the difference between its investment of this money and the poor interest rate paid to these clients?. 
- Is it fair to market to new clients/new money an enhanced rate and quietly leave your old clients in under-performing products?
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello all I am having an issue with the XXXX credit bureaus. First and foremost theyre showing multiple accounts on my credit report that were included in bankruptcy as derogatory accounts with balances! This is incorrect reporting on my consumer reports! They say that creditors came back and verified this information as accurate, how could that be if it was discharged in my bankruptcy? It should show discharged with a {$0.00} balance! The refusal of updating the information is a violation of the bankruptcy discharge injunction prohibiting creditors from trying to collect on these debts. The negative remarks is causing my credit to remain stagnant. This is a violation of my consumer rights, and it is against the law to report such information on my credit report. I have tried to fix this issue with each bureau, however, they have refused to correct this information. Also, how can something go from reporting as ok to an automatic charge-off because bankruptcy was filed? This is against the law and is being reported inaccurately. Also theyre reporting my student loans as being 90 days late, however, I was never late! I was never XXXX nor 60 days for entries to be marked on my credit report as 90 days late only. This is incorrect reporting and is also against the law. Theyre also reporting my bankruptcy incorrectly, each bureau has a different filing date as well as a different discharge date, per the FCRA this is incorrect reporting as each bureau must report IDENTICAL INFORMATION in which theyre not doing and this is a violation of the FCRA!
Consumer complaint received 2022-01-10
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. (NY)

I have previously disputed with XXXX, experian and XXXX on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2022-01-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (NY)

XXXX found that MRS Associates claimed I have a delinquent loan with XXXX  for {$120.00} XXXX checked all 3 credit unions- found this was on my credit scores with XXXX and XXXX and disputed both claims given the following : I had not received written proof of this debt from either XXXX  or MRS Associates. My XXXX  account did not reflect this money owed. 

XXXX attempted contacting MRS Associates , was put on hold and kicked off the line multiple times XXXX XXXX deleted it from my credit score as it found I was not responsible for the debt/it was not correct XXXX XXXX found I owed money to MRS Associates XXXX 

XXXX Called MRS Associates XXXX They said they did not get notice that XXXX removed this from my credit report. They said they would dispute it with XXXX, and would send written proof should XXXX find I owe this money XXXX Called XXXX- determined it was an error on their part due to my moving in XXXX, and their not transferring information about equipment. 

XXXX Filed complaint with CFPB. As of this date I have still not received written proof from either XXXX  or MRS associates that I owe this money.
Consumer complaint received 2022-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On two separate dates within the last 90 days, I was overcharged by the company XXXX XXXX XXXX on my Capital One Credit card for laundry machine services I used from that company. The first two overcharges occurred on XX/XX/XXXX. On XX/XX/XXXX I purchased and received services for {$15.00} but there were two extra charges of {$2.00} made to my credit card on the same day from machines which were " out of order '' and I did not receive services for. I contacted the company to request a refund but never got a response from them. On XX/XX/XXXX, I purchased and received services for {$18.00} but there were four extra charges of {$2.00} made to my credit card from machines which were " out of order '' and I did not receive services for. Once again, I contacted the company to request a refund but never got a response from them. 

The total amount of overcharges I received from the company XXXX XXXX XXXX on my Capital One credit card is {$15.00} and since the company has refused to refund my money, I am requesting that Capital One please remove the charges because I am being charged for services I did not receive.
Consumer complaint received 2022-01-10
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. (NC)

Despite three written requests, for deletion of three fraudulent accounts sent on XXXX, XXXX, and XXXX ; which have been identified as fraud on my consumer credit report Consumer Reporting Agencies continues to violate Federal Law.

Consumer Reporting Agencies continues to furnish inaccurate and deceptive information without my consent. Consumer Reporting Agencies are invading my consumers privacy and causing me adverse actions. Consumer Reporting Agencies has not provided copies of the original documentation required under FCRA. Consumer Reporting Agencies are noncompliant of the federal law.
Consumer complaint received 2022-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: COMMERCE BANK (IL)

I contacted Commerce Bank via online message in late XXXX, XXXX, about an issue with a purchase on my Commerce Bank credit card. However, I have not received any response from Commerce Bank and I also can not find any way to directly initiate a dispute myself using their online portal. The transaction is from XX/XX/XXXX by XXXX for {$240.00}. I have returned this purchase but have been unable to get a refund from the merchant as of today, XX/XX/XXXX. The purchase was returned via XXXX, tracking number is XXXX. Please help me dispute this charge on my Commerce Bank credit card ending XXXX and issue a credit of {$240.00} on my account.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. ()

This has been reported to XXXX XXXX, equifax, and XXXX XXXX different times. 

On XXXX XXXX I was in a car accident. On XXXX XXXX XXXX XXXX sent XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX A check for {$12000.00} Inwich was the balance that was owed on the car. XXXX XXXX has confirmed that this balance has been paid off but these credit bureaus do not want to do there job and correct there mistake. These credit bureaus with there actions keeps costing me thousands of dollars because they do not know what they are doing and they keep XXXX up my credit report when they do not do there job. I have attached a XXXX receipts from XXXX XXXX
Consumer complaint received 2022-03-09
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. (MI)

I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$220.00XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$25.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$25.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$95.00} XXXX XXXX Balance : {$1000.00} XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Incorrect personal information reported on my credit file. These names, phone number and addresses are not associated to me. 

Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ca, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX # XXXX XXXX XXXX ca XXXX phone number : XXXX
Consumer complaint received 2022-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MT)

I am writing to raise a complaint about my Citicard. The details are laid out in the attached XX/XX/XXXX letter. In short : o I replaced my credit card ending in XXXX in XX/XX/XXXX as advised by a Citicard customer service representative to prevent an exorbitant charge of {$500.00} by Events XXXX XXXX from being made. Despite this, {$500.00} was charged to my new credit card ending in XXXX, without my authorization. 
o I have twice been promised by Citicard customer service representatives refunds of the {$500.00} charge. These promises were made in late XXXX and in late XXXX, but these refunds were never provided. 
o I wrote to Citicard Customer Service detailing my complaint on XX/XX/XXXX, but have never received a reply. See attached copy of letter sent to Citicard Customer Service, po box XXXX, XXXX XXXX, SD XXXX. 
o I canceled the card ending in XXXX ( and permanently closed my credit card account with Citicard ) on XX/XX/XXXX, explaining the reasons to Citicard, but again got the run-around from their customer service. 
o I hereby request that you request Citicard to refund to me the amount of {$500.00} charged to my credit card ending in XXXX without my authorization. In addition, Citicard should provide some compensation to me for the hours I have spent trying to resolve this problem. 
o In addition, I request that you ask Citicard to take steps to ensure that promises made by their customer service representatives are honored ( Citicard should check and provide their recording of my numerous conversations with them ). Citicard should also take steps to ensure that written complaints receive a response. 
I look forward to hearing from you.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$9500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00}
Consumer complaint received 2022-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I made a purchase XX/XX/2022 of {$7.00} with XXXX using my Capital One card. The same day I paid this balance along with 3 other charges that totaled {$70.00}. The charge didnt post to Capital One until XX/XX/2022. Because the charge posted after I had submitted a payment, the balance of what I owe still includes the {$7.00}. I was on the phone for 1.5 hours trying to resolve this system discrepancy and do not believe in good faith I should be required to pay this charge again. The folks at Capital One were very kind and helpful but did not do anything to clear the charge that had been paid ahead of posting!
Consumer complaint received 2022-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/XXXX, I received a text claiming it was from Comenity about a possible fraudulent charge to my credit card account ( I have a XXXX with them ) in the amount of {$97.00}, for XXXX XXXX XXXX. I didn't call the number in the text message because I wasn't sure it was from them ; I called the number on the back of my credit card. I also checked my account online, and didn't see that charge pending. I spoke to a rep, who told me that he could see the amount pending on his end and that he'd reverse the charges and send me a new card so that the current one couldn't be used again. 

On XX/XX/XXXX, I checked my Comenity account online and saw a charge for {$96.00}, with the description XXXX XXXX XXXX XXXX NY. I called again and explained to another rep that I hadn't made that charge ( I haven't charged anything to this card since XX/XX/XXXX, as I'm trying to pay it off ). The rep told me my card had been blocked since XXXX so no more charges could be made ( I assume the {$96.00} was charged around the same time as the other one ). She said she'd lift the {$96.00} charge while the claim was investigated and that it would take up to 90 days to finish the investigation process. 

After that, I went to check my account online, to see if they'd reversed the charges, and due to a technical glitch, I can't log on to check anything. This comes after numerous calls that went to a recorded message that their office was " temporarily closed '' and dealing with their website being down. At this point, since I can't check anything online and I just called, only to be told their office is " temporarily closed '' yet again, I don't know what's going on with my account. 

Prior to their so-called update to their site, I had no issues with fraudulent charges, and suddenly I do, so it seems their " update '' probably coincided with a hack, leaving customers ' data vulnerable.
Consumer complaint received 2022-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (VA)

Added an offer to my American Express card that offered {$25.00} statement credit if card was used to procure a new XXXX 's XXXX membership. On XX/XX/2021, new membership subscription was acquired and charged {$45.00} to my American Express card. To date, the credit has not been posted to my American Express card, despite multiple attempts to rectify this with American Express customer service.
Consumer complaint received 2022-06-24
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-01-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (NJ)

WELLS FARGO DEALER SVCS
XXXX XXXX XXXX XXXX, NC
XXXX
HAS BEEN SENDING ME COLLECTION NOTICES. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2021-12-14
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (IN)

Convergent broke federal laws written in the Fair Debt Collections Practices act. On XX/XX/XXXX I sent the company an Affidavit of Truth containing documents and proof of the laws that were broken. I have not heard back from the company about this matter. I did not give the company permission to have my address nor telephone number which is an invasion of my privacy and its against the law for purchasing my information without my prior knowledge nor consent. In addition, the company stated I owe a debt, which is a violation of 1692 ( b ) ( 2 ). The company contacted me more than once, which is a violation of 1692 ( b ) ( 3 ). I have telephone records to prove this fact. The company contacted me at an unusual time and place that is inconvenient to me, violation of 1692 ( c ) ( 1 ). The company called me while I was at work which communication is prohibited, violation of 1692 ( c ) ( 3 ). The company would not stop harassing me verbally with their use of obscene and profane language, violation 1692 ( d ) ( 2 ). The company repeatedly used different numbers to call my phone to annoy, abuse, and harass me, violation 1692 ( d ) ( 5 ).