davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-25
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I applied for the CapitalOne Business Spark Miles credit card when CapitalOne had the promotion of XXXX  miles after {$4500.00} spend and XXXX  miles after total of {$50000.00} spend within 6 months. However, upon receipt of the credit card and notice of the credit line, i was so baffled to see that they only gave me {$2000.00} credit line. It was impossible for one to spend {$50000.00} within 6 months when there is only a {$2000.00} credit line. i tried my best to complete this as to pay off all purchases immediately as they post so that I can get my credit line back for additional purchases. I think Capitalone purposely gives out next to nothing credit lines just to hinder this process of completing the purchases within the 6 months. I have excellent credit and payment history with over 800 credit score. It's insulting to give me only {$2000.00} credit line, and this is a business account too!! To make it worse, Capitalone starts counting the 6 months way too early. I was given a deadline of XX/XX/XXXX to finish the {$50000.00} task, when the card was actually mailed out in the middle of XXXX. So by the time the card arrived in my hands, Capitalone has robbed me almost half a month to complete this task. To me, this is false advertising. It's bait and switch to say the least. Get a consumer to apply for the card with promised incentives, then lowball the credit line, then don't give the full 6 months to complete the task. If you look at my other credit cards/lines, my credit history, {$2000.00} line is a joke. And if I have the full 6 months from the day I got the card and started spending with it, I would have completed the task. i tried complaining to customer service, escalated to the " rewards case manager '', and came back declining my request to extend my deadline. Our company has always a loyal capitalone customer. We put over {$400000.00} each year on our other Capitalone card. I am very disappointed in Capitalone this time on how they treat their customers.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : 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 2019-06-25
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. (FL)

After sending information to verify myself with my dispute, I sent a follow up dispute ( XX/XX/2019 ) by means of a credit repair Organization, Equifax has failed to respond. They have violated the FCRA in that it has been more than 30 days. Please see items below Collection XXXX XXXX
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

On XX/XX/23, I awoke from sleep after working night shift to a text message about verifying repeated failed login attempts from XXXX, FL. I was able to log into my online banking and all was well at the time therefore I felt that I would contact BOA once I arrived at work to inquire. At work, I tried to log into online banking again to see that I was locked out and it was asking me to verify information that I didnt have at my desk. I dont carry my card with me all of the time and I had left it at home. I checked my email to see that someone had OPENED A SAVINGS ACCOUNT UNDER MY NAME IN FLORIDA. I was shocked to be honest and immediately called the fraud department. They were difficult to deal with and I was shuffled from not just one to three people before being able to explain what was going on. At this point, the rep on the phone told me that I needed to work with her and answer the questions to resolve the issue and I was demanding, rightfully, reassurance that nothing had occurred and we could close this new account. Unfortunately, XXXX dollars of MY MONEY was allowed to be fraudulently removed under the watchful eye of Bank of America who, despite sending me XXXX text requesting that I verify my identity, decided to allow a random criminal to open a savings account under my name, transfer my money to another BOA account and then out of the bank entirely as it appears all under a few hours. No security checks from me. No inquiry on my behalf although it was opened in Florida and somehow California is involved in there as well. I am utterly appalled and not to mention distraught at the loss of XXXX dollars of my money. Equally appalling is the lack of security measures and verification on behalf of such a large institution. When I requested that funds be immediately transferred back, I was told I have to wait. So now, I am told as the victim to wait 10 days for a provisional refund and this may take up to 45 days to investigate. I want my money which is rightfully mine. I can not afford to wait for it due to this companys deplorable blunders and I would investigate the fraud prevention practices of Bank of America. Consumers have a right to identity protection and this place simply does not have it.
Consumer complaint received 2023-10-18
Product: Credit reporting 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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am writing to file a formal complaint regarding the repeated reporting of late open accounts on my credit report, despite previous attempts to dispute and correct these inaccuracies. This ongoing issue has a significant impact on my creditworthiness and financial stability, and I request your immediate and thorough investigation to address and rectify this persistent problem. I have identified multiple accounts on my credit report that are inaccurately reported as late open accounts. These accounts should not have any late payment history as they were opened within the specified terms and conditions. I have previously disputed these inaccuracies and provided documentation to support my claims. However, despite my efforts, the accounts continue to be incorrectly reported as late open. 

I request that your bureau conduct a comprehensive review of these accounts and correct their status to accurately reflect their current standing. The ongoing reporting of these inaccurate late open accounts not only harms my creditworthiness but also raises concerns about the accuracy of the information provided by your agency. 

I understand that the Fair Credit Reporting Act ( FCRA ) mandates credit reporting agencies to ensure the accuracy of the information they report. Therefore, I expect your bureau to address this issue promptly and in strict compliance with the FCRA. 

Please provide me with a detailed, written response outlining the results of your investigation and a free copy of my updated and accurate credit report once the necessary corrections have been made. Additionally, I request an explanation for the recurring nature of this issue, as it has persisted despite my previous disputes. These late open accounts should be corrected by the credit bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (AZ)

In around 2010 I started a phone line with XXXX. I was unable to pay the final balance and was recently reminded by a letter over 8 years later. There is a derogatory mark on my credit report through XXXX  which was from about 8-9 years ago now. I never received this information until recently and though it is still owed this should have fallen off of my credit report by now. I recently had to pay medical bills and pay all of my credit cards on time but this derogatory mark is making it hard for me to really improve my credit. I will continue to work to pay this old balance off but until then it is hard for me to get a good credit card or even an apartment lease. If XXXX would remove this mark from my credit report it would allow me to take the next steps in improving my credit and paying off all of my debt.
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account should not show any late payments because I have always paid on time. It is unacceptable to see late payments on my account, and I urge you to correct this error immediately.
Consumer complaint received 2019-06-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Activehours (FL)

Hello, I was not able to provide a lot of information on the company I am filing a complaint against ( Complaint Number : XXXX  ), because I was not able to find anything on the company, but thanks to the XXXX  XXXX  XXXX, I have found their alternative company name, the owner of the company, and the address of the company in question : XXXX XXXX or Activehours, Inc. 

Business Details Location of This Business XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX   File Opened : XX/XX/XXXX Years in Business : 5 Business Started : XX/XX/XXXX Business Incorporated : XX/XX/XXXX in CA Accredited Since : XX/XX/XXXX Type of Entity : Corporation Number of Employees : 150 Alternate Business Name Activehours, Inc. 
Business Management XXXX XXXX, CEO XXXX XXXX, Vice President of Customer Service Attached is a Word Document & the PDF version of my bank statements regarding the previous claim # XXXX-XXXX.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with tge fair credit reporting act. This creditor XXXX XXXX has violated my rights under 15USC1681 Section 602, states i have the right to privacy. Under 15USC1681 Section 604A Section 2, it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15USC1666B a creditor can not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX TX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX, XXXX, XXXX Disputing information on credit repirt I am writing to dispute inaccurate informatiin that your company supplied to the creditor listed above ( XXXX experian, XXXX ) Here is a list of inaccurate accounts XXXXXXXX XXXX acct number XXXX XXXX  XXXX acct numberXXXX XXXX XXXX XXXX XXXX acct : XXXX According to my records the information you are reporting inaccurate. I demand that you remove this information. 
By provision of the fair credit reporting act of 1970, U.S.c $ {$1600.00} et seq., I demand that these items be reinvestigated and deleted from credit record.

Under the terms of the section 1681 ( i ) of the act, you have 30 days from the receipt of this letter to verify this disputed information.

Also, pursuant to 15 U.S.C.Section 1681 ( d ) of the act, please notify me when the items have been deleted
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Report Act the list of accounts below has violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) acct : # XXXX, XXXX XXXX acct : # XXXX, XXXXXXXX XXXX XXXXXXXX acct : # XXXX XXXX  acct : # XXXX, XXXX  acct : # XXXX, XXXX acct : # XXXX, XXXX XXXX  acct : # XXXX, XXXXXXXX XXXX acct : # XXXX, XXXX XXXX acct : # XXXX, XXXX acct : # XXXX, XXXX acct : # XXXX, XXXXXXXX XXXX  acct : # XXXX, XXXX XXXX XXXX, acct : # XXXX XXXX XXXX XXXX  XXXX, acct : # XXXX , XXXX XXXX XXXX acct : # XXXX, acct : # XXXX XXXX XXXX acct : # XXXX, XXXX acct : XXXX XXXX. Personal information : XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. 

U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data were 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 correction due to inaccurate reporting in my file. 
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 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

It has been drawn out into the open 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 this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things 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, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX  XXXX XXXX XXXX : {$6800.00} XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for negative accounts. I have tried numerous times to have this situation resolved with no resolutions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

This is a rebuttal to XXXX response to : Complaint # XXXX : I appreciate the extensions that XXXX gave me in the past because XXXX was a very trying time for all of us. 

But XXXX proved my point in its response to the complaint : the fourth bullet which says, On XX/XX/2022, XXXX received a payment of {$1000.00}, which paid the XX/XX/2022 payment that was over XXXX XXXX XXXX XXXX. If you look at the attachment for XXXX XXXX XXXX, it shows that XXXX is NOT reported late. XXXX is reported late even though its payment that was paid on XX/XX/2022, was not over XXXX XXXX XXXX XXXX 

It looks like to me that with the extensions, late fees, etc., in the past, after I paid the account up current, including all late fees, XXXX was just determined to report something late to the credit bureaus, even though the payment should not have been reported late. 

They also indicate in their response that In accordance with the Fair Credit Reporting Act ( FCRA ), XXXX is required to accurately furnish account information and reports on accounts to the credit reporting agencies. Well, XXXX ( over 30 days late ) was not reported late, so they did not furnish accurate account information to the credit reporting agencies. They used XXXX as the scapegoat, and they should not have. 

The credit reporting is in error. It confused me because XXXX said they were reporting XXXX payment more than 30 days past due, but the credit report ( Experian ) is showing XXXX on time, and flagged XXXX XXXX days late. Ive attached a screen-print from Experian showing this error. 

So due to this error and confusion and since I was under the impression that if I made the payment by the next months due date, it would NOT be reported XXXX XXXX XXXX, I would like to request that XXXX make an exception this one time and remove the XXXX XXXX  payment altogether. 

Thank You. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXX XXXX XXXXXXXX
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I requested debt validation XX/XX/. I received a copy of a bill dated XX/XX/ which is not debt validation. In accordance with the Fair Credit Report Act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Sections 2, it also states a consumer reporting agency can not furnish an account without my written instructions, Under 15 USCS 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.