davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

On XXXX I ordered 2 cases of iced tea from XXXX XXXX XXXX in the amount of {$65.00} on Capital One credit card. 

I never received the iced tea order. I tried to reach out to XXXX XXXX multiple times inquiring about my order and its status. XX/XX/XXXX and XXXX ( via XXXX & email ) I never got a response. 

So I filed a dispute with Capital One who temporarily gave me a credit for the charged amount. 

Yesterday I received a letter from Capital One ( XX/XX/14 ) saying they sided with the merchant because they provided proof that I received the order. I called Capital One today to ask them to provide what proof the company gave them of this, and they weren't able to provide any proof that it was shipped to me. 

XXXX XXXX is no longer in business which probably explains why I never got my order. XXXX XXXX XXXX ( link is no longer working ). 

Other customers are complaining of unfilled orders as well on their XXXX Page ( XXXX  : XXXX )
Consumer complaint received 2023-07-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc. (PA)

THE COMPANY IS ATTEMPTING TO COLLECT DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION ON TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2023-07-24
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : Acct # XXXX - First reported XX/XX/XXXX- {$740.00}. 
XXXX XXXX : Acct # XXXX - First reported XX/XX/XXXX for $ {$730.00} ( charge off ) and XX/XX/XXXX, {$980.00} date of last report. 

XXXX XXXX XXXX : Acct # XXXX - Amount past due {$96000.00} XXXX XXXX XX/XX/XXXX past due XXXX. 

XXXX : Acct # XXXX - Date of XXXX delinquency XXXX XXXX. Date XXXX reported XX/XX/XXXX for {$1100.00}. 

XXXX XXXX XXXX XXXX : Acct # XXXX - Date of delinquency XX/XX/XXXX, date first reported XX/XX/XXXX - {$490.00}. Last reported XX/XX/XXXX. 

XXXX XXXX XXXX : Acct # XXXX - {$540.00}. Date of delinquency XX/XX/XXXX. Date first reported XX/XX/XXXX, date last reported XX/XX/XXXX. 

XXXX XXXX XXXX : Acct # XXXX - {$210.00}. Date of delinquency XX/XX/XXXX, Date closed XX/XX/XXXX, date last reported XX/XX/XXXX. 

XXXX XXXX XXXX XXXX : Acct # XXXX - {$570.00}. Date of delinquency XX/XX/XXXX, date XXXX reported XX/XX/XXXX, date last reported XX/XX/XXXX. 

XXXX XXXX XXXX : Acct # XXXX - Date of delinquency XX/XX/XXXX, date last reported update. 

XXXX XXXX XXXX XXXX : Acct # XXXX - {$250.00}, date of delinquency XX/XX/XXXX, Charge off, last reported March 330, 2018. 

XXXX XXXX XXXX : Acct # XXXX - Date of XXXX delinquency XX/XX/XXXX, date first reported XX/XX/XXXX, charge off {$540.00}, last date reported XX/XX/XXXX. 

XXXX XXXX : Acct # XXXX - date of delinquency XX/XX/XXXX charge off {$1800.00}. Date first reported XX/XX/XXXX, last date reported XX/XX/XXXX. 

These have violated my rights. 

15 USC 1681 section 602A states I have the right to privacy. 15 USC 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 USCs-2 ( A ) ( 1 ) : A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-24
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. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX - XXXX Dear XXXX There is information on my consumer report that is a result of identity theft. 
I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact b me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXXnquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX  F Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX Reported : XXXX. XXXX, XXXX + {$850.00}
Consumer complaint received 2023-07-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Absolute Resolutions Corp. (NC)

The Company in question : Absolute Resolutions Investments , LLC has committed numerous violations of the Fair Debt Collection Practices Act under title 15 USC 1692. 
They had a sheriff serve me with what appears to be a summons with no actual court date, yet are persistent to attempt to force me to pay a debt in which they have yet to validate. I sent them a response within the 30 day window asking them for debt validation and all they sent back were moot statements which had no validity. The company has not yet sent me an contract agreement with my signature on it nor any of my other required exhibits for validation. ( Actori incumbit onus probandi ). In my initial response I did inform them of my intention to sue if any negative information was placed on any of the three major Credit Bureau 's and yet they dishonorably placed negative remarks upon it in an act of unethical practices.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 2023-07-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Betterment LLC (AZ)

I initiated a transfer of my funds from betterment.com on XX/XX/XXXX. They asked for more details on XX/XX/XXXX. I provided the details. They stopped paying interest in the amount and have still not received my money in my back account as of XX/XX/2023. I get lame excuses saying the other XXXX transfer delays my savings withdrawal. 

Its 10 days off lost interest and opportunity cost for the money which I really wanted to deploy elsewhere immediately
Consumer complaint received 2023-07-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (DE)

TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT RESURGENT CAPITAL SERVICES : Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious Resurgent Capital Services. I have reported your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MN)

Personal Statement I have been incarcerated for 5 years and someone use my identity to apply for credit, heres a list of unauthorized inquiries on my credit report that i wish to be removed : 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 All the above inquiries is unauthorized and should be disputed from my XXXX  Report and all 3 Credit Bureaus XXXX Equifax And XXXX Under the laws of the FCRA ( 15 USC 1681-1681u ) these unauthorized inquiries and accounts must be removed.
Consumer complaint received 2020-04-17
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 (PA)

When I signed up online for the American Express Blue Cash Everyday card, American Express offered me 0 % interest for 15 months on balance transfers. Thus I transferred a {$5000.00} balance from other credit cards. Now, after the balance transfers have been completed and a 3 % transfer fee has been added to the amount, American Express says that introductory offer was declined. They claim there was a pop-up window during the card application process that let me know the offer was declined. There was no pop-up window on my computer, nor any other notification ( email, letter, etc. ) that would have let me know the offer was declined. If I had known at the time of application, I would not have applied for the card.
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: Experian Information Solutions Inc. (CA)

15 USC 1681 States In accordance with the Fair Credit Reporting act, The list of accounts has violated my federally consumer rights to privacy and confidentally. 15 UCS 1681 section 604 section 2 also states a consumer reporting agency can not furnish any account without my written concent. I never gave them any. 15 USC 1681 section 602a states I have the rights to privacy. Remove these accounts immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One is currently reporting to all three credit agencies XXXX, XXXX and XXXX both XX/XX/2023 and XX/XX/2023 late payments when I called spoke to a rep explained that due Covid-19 I experienced economic hardship. Capital One advised that I would not be reported as late but rather in a Covid-19 protected status. This violates my rights as a consumer as there is a law that protections consumers that have been negatively affected by Covid-19. Capital One is reporting fraudulent information which is in violation of the Fair Credit Reporting Act.
Consumer complaint received 2023-10-15
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: Palisades Funding Corporation (NY)

I was trying to get a loan for a car and I realized that u had some damages on my credit report, according to the 15 USC 1681 law there should not be any damages on my report, it is a defamation of my character.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

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 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 2023-07-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (DE)

In XX/XX/2023, I received an offer to open a Citi AAdvantage  checking account with a bonus of XXXX miles after completing a series of required activities. I had to make at least 2 direct deposits totaling {$2000.00} within 90 days. I had to make {$1000.00} worth of debit card purchases as well. The email SPECIFICALLY states that I would receive my bonus within 30 days. I have completed all activities more than 60 days ago, and I still don't have bonus. 
I clicked on link provided in the email to open. 
I even called the day I opened the account ( XX/XX/23 ) and confirmed that my account was opened with the bonus. I have spoken to several reps that have also confirmed the offer. I keep getting different answers every single time. One said I had to wait 90 days for the bonus. Another rep said 180 days. I have the email. I know what it says. I have tried to escalate this with Citibank and I haven't gotten anywhere. I just Citibank to honor the bonus of XXXX XXXX XXXX that are owed to me.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

This is my several complaint about the negligence of the 3 Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of accounts resulting in significant harm to my financial standing and reputation. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. These are the inaccurate accounts that I want them to correct : XXXX XXXX Balance Owed : {$4100.00} ; XXXX XXXXXXXX Balance Owed : {$7400.00}.
Consumer complaint received 2023-07-24
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: Bread Financial Holdings, Inc. (VA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC1681 section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

Under 15 USCS 1666 B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-07-23
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. (IN)

I have sent numerous dispute letters to all three credit reporting agency and never received a response or documentation stating these items belong to me, on XX/XX/23 i mailed my dispute letter, on XX/XX/23 i sent my XXXX letter with no response, on XX/XX/23 i submitted a complaint, on XX/XX/23 i submitted another dispute with my FTC report and never received a response, i been addressing this issue several times with the credit reporting agency with no results.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Chime Financial Inc (MS)

I recently went to purchase a home from XXXX XXXX  and noticed that there are some damages on my credit report according to the 15 U.S.C 1681 law there should NOT be any damages on my credit report it is a defamation to character.
Consumer complaint received 2020-02-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

" I am writing again to reiterate my request for assistance. I really have no where else to turn and can not believe I am being denied help on the basis that the delinquency amount is too high especially considering how many times in the past I attempted to obtain aid. Your response has proven that I am nothing but a number to you and your affiliates. Yes, I see clearly where it was outlined in XXXX and XXXX ( my initial pleas for help ) that your lifeless computers and investors used a formula to determine I was not worth the time, money and effort to assist. I don't care if it was a similar procedure to the one used by the Making Home Affordable Program. I urge you to remember that it was put in place to help people like me. People who where struggling to keep their homes through proof that there was financial hardship ( s ) AND still an ability to make the monthly payments after a potential modification. The current reason for my denial is the delinquency of my account. I understand that, however, this would not be the case had I been approved the first time years ago. I have a way to pay, I just need this chance. This home is my life and I don't want to lose either. As it stands, I already have enough battles with my XXXX. Every time I have another session for a my XXXX, it leaves me completely drained. I am not able to think straight and I can not function like I normally do. This is not an easy process for me. Never did I think in all my years that I might one day have to go through this kind of trial. Everything is being taken from me as my years and health slip by the wayside.
Consumer complaint received 2019-05-21
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: STATE FARM BANK, FSB (FL)

In XXXX of XXXX the XXXX XXXX 2007 which was financed with State Farm Bank, was involved in an auto accident in which the vehicle was totaled. A final payment in XXXX was required in which is was paid timely. the total of the loan was then paid off through insurance with XXXX XXXX XXXX XXXX as well as XXXX XXXX ( the other party at fault, company ). State Farm Bank is continuing to report that I was 30 days late on payments for XXXX and XXXX of XXXX. This is inaccurate as the vehicle was totaled out and loan was paid off in XXXX XXXX they are refusing to remove from credit report.
Consumer complaint received 2023-07-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

The collection agency In Question is XXXX. I called and was told that I didnt have an account with them nothing could be found I called back a second and third time to be for sure cause this creditor is not on my other XXXX credit reports it is only on experian after calling XXXX i I found that experian sold my information to a debtor whom Ive never had a contract with that debtor sold it to another debtor experian is involved with this process because I have complained numerous times and they keep putting items on my credit report that is not acceptable or accurate. The debtors are receiving money through income tax write offs and playing double jeopardy by selling consumers information to third partyvl debtors that I donot have a legal binding contract when I made the initial complaint about experian retaliating by blocking my info to a mortgage lender experian purposely input incorrect information listing my daughter as my spouse?????