davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a capital one Venture XXXX XXXX credit card. I booked a fully refundable ticket using this card on the capital one travel website. When I booked the fully refundable ticket, there was no additional information or any exceptions regarding the refundable aspect of the ticket. There was no fine print what so ever. When I requested to cancel the ticket after 3 days within booking - the capital one travel customer care just informs me that the fees and taxes are not refundable and they costed me {$200.00}. This information was not available when I had to make the decision to purchase the ticket. I made the decision to purchase the ticket because the website said its fully refundable but apparently its not.
Consumer complaint received 2018-10-19
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

this inquiry is due to idenity theif. 

this was not me. please remove from my report. 
i have already attemped to ask you all via, XXXX XXXX  & XXXX XXXX XXXX. 
Please Remove
Consumer complaint received 2017-10-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (WV)

I am writing in reference to Midwest Recovery Systems. I do not have a signed contract nor any contract with this Agency. There has been absolutely no correspondence or notification from this company at all. This company has first fraudently reported the " Opened Date '' as " Unknown '' & then later reported the open date as XXXX.XXXX, 2017 the date the collection was placed on my Credit Report without notice. I demand to see a signed contract between Midwest Recovery Systems and myself.
Consumer complaint received 2024-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX
Consumer complaint received 2024-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/year> I visited a Capital One branch located on XXXX XXXX XXXX, with a total cash amount of {$760.00}. I deposited my money into an ATM XXXX, transaction ID XXXX at XXXX XXXX and the ATM restarted mid process, rebooted, & printed out a receipt stating only {$160.00} was credited to the account. I spoke with the branch ambassador XXXX XXXX who told me to call Capital One to report it. Capital One told me id have to call back in XXXX hours because they were waiting to empty the ATM as the money shouldve gone into a rejection box. I waited until the next day and called again, they proceeded to escalate it to a supervisor who then called the branch directly and merged me into a XXXX way phone call with the XXXX XXXX. They expressed this isnt the first time this has happened with that specific ATM i used that day, and that an investigation would be launched into the missing funds. On XX/XX/year> I was credited the remaining {$600.00} in my account while the investigation was proceeding. As of today XX/XX/year> I checked my account to see they reversed the credit they gave me, and told me in a case letter dated XX/XX/year> that We have received your case # XXXX. Unfortunately, we must deny it because our ATM records do not show an error or a completed transaction for the dollar amount or date you indicated. I promptly called them at XXXX XXXX and after being escalated to a supervisor, was told that a complaint would be filed but that the investigation was closed and final. Im basically now expected to pay a bill from an ATM error and my credit card is now maxed out.
Consumer complaint received 2017-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc. (NY)

I ; Man deny that this is my debt and if it is my debt, who is the Man claiming I owe this debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my Knowledge and I have no contractual agreement with XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX police report attach.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Today, I was alarmed to find unauthorized inquiries on my credit report, and I dont understand the reason. As I reviewed my report, these discrepancies appeared without warning. I even refreshed my browser to rule out any temporary error, but the inquiries remained. I urge you to carefully examine the documents I submitted so that I dont have to worry about this issue again.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 XXXX 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 2018-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CT)

I have made several calls Chase Bank in order over the past three months or more.

I attempted to receive clarification regarding what I was being charged. I was never provided with a clear explanation of charges.

Even when I went to a branch office located 20 minutes by car from where I live. The branch officer printed a copy of my bank statement as it pertained to my credit card account ; but was unable to explain to me, why I was being charge more money than I had spent on my statement.
Consumer complaint received 2017-09-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC (IL)

XXXX XXXX, XXXX, i was repeatedly contacted by XXXX XXXX from Alltran XXXX or XXXX XXXX. I was left repeated voicemails to contact him regarding a collectipn of a debt. The calls came in at XXXX, XXXX, XXXX, XXXX, and I returned call at XXXX p.m. 

I was notified by XXXX XXXX that it was an attempt to collect a debt. He the said it was for XXXX XXXX, i then told him i was her mother snd would relay message since she was not available on my phone. 

XXXX XXXX, XXXX, i was contacted multiple times by XXXX XXXX XXXX. I recieved calls on my cell at XXXX, XXXX, XXXX, and also a message was left by him with the school secretary at XXXX p.m. ( see attachment ). 

I returned XXXX XXXX 's phone call and told him not to contact my place of work since the debt was not mine but my XXXX year old daughter, an adult. He then explained that he had permission to contact me from my daughter. 

I was really distressed by him calling my wotknplace and told him that it was illegal to contact someone whom is mot the debtor. He tried to tell me he hsd permission from my daughter to call me. She denies this allegation from XXXX XXXX. 

He said he would pit me on a do not call list but was called again at XXXX p.m. No voicemail was left. 

I would like for XXXX XXXX to provide an apology for his harrassment. Also, some sort of reprimand for his unprofessionalism and unregard for the U.S. law. 

The calls came in repeatedly from the following phone numbers XXXX ( XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-11-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit XXXX, Transunion, or XXXX permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. Please remove the inquiries from my report : XXXX XXXX - XXXX/XXXX/2024
Consumer complaint received 2024-10-06
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. (FL)

Why reviewing my consumer report I notice two fraudulent accounts on my consumer report. At that time I contacted the credit bureaus disputing these accounts. The credit bureaus are in violation of the following consumer laws. 
1-U.S.C. 15 1681 SECTION 602 ( A ) 2-U.S.C. 15 1681 SECTION 604 ( A ) 3-U.S.C. 15 1681 e SECTION 607 Furthermore these disputes were filed over 30 days ago, and I have received no responses from them this is another violation per the F.C.R.A. AND THE F.D.C.A
Consumer complaint received 2018-10-19
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. (AZ)

My XXXX XXXX XXXX credit card do not have a balance of {$230.00}, and XXXX/XXXX XXXX XXXX credit card do not have a balance of {$290.00}. Im disputing the inaccurate balance of both accounts.
Consumer complaint received 2024-10-06
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)

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX. Inquiries : 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 XXXXXXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX & XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Consumer complaint received 2017-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc (ND)

I made a payment through a verified checking account. The payment posted. 5 days later, I received an email stating that the payment had been returned code XXXX account or wrong name on account. I asked the bank to verify the name and account number that they submitted in which I received no reply. Returns can not be issued to a closed account as closed accounts are not open for credits or deposits. I called the company to inquire as to why the payment was returned. I spoke with a XXXX and asked for a full transaction audit history, not an account summary. I received no reply in 30 day. I then wrote the company a letter asking to validate the debt through a full transaction audit and emailed to the companies provided email address. I received an automated reply that the address was not monitored. I emailed the letter to a different company email. I received an automated reply stating that if I needed further assistance to contact customer service to assist further. I emailed the letter for a XXXX time.I am seeking validation of debt through a full transaction audit.
Consumer complaint received 2024-10-06
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. (OH)

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

A charge off is defined by the IRS as cancelled/forgiven debt. According to the IRS the 1099C is supposed to be granted. I am then to file it as reported income. According to the FCRA. Income is not supposed to be reported on my credit report. I have a copy of a letter from the company that is stating that they did not award me that 1099C. While listing that charged the account off not XXXX time but XXXX times. According to my credit report. This violates my rights to fair credit reporting and privacy. Not to mention my right to OPT out and written consent. I would like it removed immediately. If it is not removed, I will be happy to report this to the IRS.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (WA)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting XXXX XXXX  XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting XXXX XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting XXXX XXXX XXXX  - XX/XX/XXXX The following inquiry was not authorized and should not be reporting
Consumer complaint received 2024-10-05
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. (NC)

Someone used all of my personal information to obtain and lease to own product that was never received here or anytime during or after the suspected event on or about XX/XX/XXXX or XXXX, XXXX. 

XXXX XXXX  has attempted to collect and now reporting this on my credit reports, a financial fraud case has been submitted to the XXXX Report # XXXX today XX/XX/XXXX.
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

To whom it may concern : Dear Madam/Sir, I write as I believe Capital One is not acting with the best interest of consumer 's in mind. I say this because I recently tried to change my payment due date, in order to align with broadly adhered to payment scheduled from employers ( XXXX and XXXX of every month ). Capital One does not let Consumers choose payment due dates but rather gives them four/five options generated by " the system '', and where human customer service reps seem to be unable to over-ride this. 

This is not the case for any other credit card lender that I know of I have several credit lines with various banks. It is my belief that this lack of regard for when it makes most sense for a Consumer to pay his/her credit off is a form of predatory lending. One where a bank, in this case Capital One, can allow for a well intentioned Consumer to miss a payment or not meet their min. payment, and thereby charging them interest and a collecting monies unduly. 

I urge the CFPB to connect with CapitalOne and have them implement the industry wide standard of allowing Consumers to choose their payment due date ; a date that works for their financial situations. 

Thank you, XXXX
Consumer complaint received 2017-09-30
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (TX)

Back in XXXX XXXX I was involved in a car accident ( I was rear-ended by a men whom provided the wrong personal information ) therefore I was obligated to file a claim against my insurance company. My company paid the car off to XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX. XXXX, TX XXXX XXXX. XXXX the amount that was paid in full {$8800.00} Check # XXXX XXXX Insurance company kept the wrecked car ). Unfortunately I did n't have gap insurance therefore the was a balance little over $ XXXX at that time they were demanding the payment in full which I did n't have. I was not familiar with the process and requested payment arrangements however I never heard back from them. Now they are misreporting to the credit bureau showing as a repo with a higher balance $ XXXX
Consumer complaint received 2024-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/year>, TransUnion LLC reinserted a previously deleted item ( XXXX  XXXX XXXX ) to my credit report alleging that it had been verified. However, Ive provided TransUnion with proof of XXXX  and a fraud affidavit showing that I was XXXX XXXX at the time the charges were made on this account. TransUnion has been the most stubborn of all 3 bureaus in removing the item and have now put it back on my credit report for an impossible reason. I called customer care on XX/XX/year> and requested a call back number that was not provided and ironically the call disconnected with no call back or email to rectify this issue.
Consumer complaint received 2024-10-06
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. (NC)

XXXX is using my name without my authorization. I never contracted with XXXX. I contracted with XXXX . How did XXXX get my information? I did not authorize XXXX to share my information with any third party affiliate. I received documentation from XXXX that they are transferring my information to XXXX. I am not authorizing XXXX to give my information to XXXX. I do not have a contract with this entity and I will not contract with this entity. XXXX should not have access to any of my information. This is XXXX XXXX.