davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Dear Consumer Financial Protection Bureau, I am writing to you today to urgently request your assistance in addressing a concerning issue regarding an inaccurate collection account on my credit report. 
Personal Information : XXXX XXXX XXXX or XXXX Nature of the Complaint : An inaccurate collection account from portfolio recovery asso. is currently appearing on my credit report without my consent or knowledge of any contract with this company. I have not authorized them to use my personal information or credit data in any way. 
Violations of the Fair Credit Reporting Act ( FCRA ) : This collection account directly violates several key provisions of the FCRA, including : Section 607 ( a ) ( 1 ) and ( 2 ) : Credit reporting agencies are required to ensure the accuracy, completeness, and timeliness of the information they report. 
Section 615 ( a ) ( 1 ) : No person may furnish inaccurate information to a credit reporting agency. 
Section 621 : Willful noncompliance with FCRA requirements can result in liability for actual damages or statutory damages of {$100.00} to {$1000.00}. 
Additional Legal Violations : Beyond the FCRA violations, I believe this collection account was fraudulently bought and sold, which constitutes a breach of : Fair Debt Collection Practices Act ( FDCPA ) : Prohibits the sale or purchase of illegitimate debts. 
Rosenthal Fair Debt Collection Practices Act ( RFDCPA ) : California law with similar protections against fraudulent debt practices. 
Federal Mail and Wire Fraud Laws ( 18 U.S.C. 1341 and 1343 ) : Prohibit deceptive or fraudulent activities. 
Demand for Action : I strongly urge the CFPB to take immediate action to : Investigate this matter thoroughly. 
Ensure the removal of the inaccurate collection account from my credit report. 
Hold any responsible parties accountable for their violations of the FCRA and other applicable laws. 
Provide appropriate compensation for the time and effort I have expended in disputing this inaccurate information. 
I am confident that the CFPB will take the necessary steps to protect my rights as a consumer and rectify this injustice. I look forward to your prompt response and resolution of this matter. Thank you for your time and attention to this urgent issue. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CO)

I am writing to file a complaint against Chase Bank regarding an incorrect fee applied to my My Chase Plan. This is a violation of their advertised promotional offer and contradicts information provided by their customer service representatives. Chase 's website clearly states that the first My Chase Plan created between XXXX XXXX XXXX XXXX XXXX XXXX XXXX on any credit card, is supposed to be fee-free for the plan 's duration. See https : //www.chase.comXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I tried to create my first My Chase Plan on my Chase credit card. Despite the promotion, I was quoted a monthly fee of nearly {$30.00}. I contacted Chase customer service on XXXX XXXX XXXX to clarify the fee. The representative explicitly assured me that there would be no fee, even though the Chase website indicated otherwise. Based on this confirmation, I proceeded with creating the My Chase Plan. Despite the promotion and customer service confirmation, I am now being charged the monthly fee. This contradicts both the advertised offer and the information I received from Chase.
Consumer complaint received 2024-01-20
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (CA)

4 weeks ago ( XX/XX/XXXX ) I purchased 4 prepaid visa cards for {$500.00} each. The cards were successfully activated and when I called in was told there were no fraud blocks or any reason they should not work. However, none of the four cards worked as advertised ( " works anywhere visa is accepted '' ). They were each declined multiple times at normal stores such as grocery stores and XXXX and multiple calls were made and there was no resolution. 

After multiple attempts, I then requested a refund for all 4 cards. Each card was purchased for {$500.00}. So I requested a refund in the amount of {$2000.00}. The agents said the would send me a refund check for each card after I sent in copies of the front and rear of each card. I only received a check for {$500.00} on XXXX XX/XX/XXXX and further calls were fruitless as the agents could never figure out which card was on which of the four cases I was assigned. 

Apparenlty blackhawk in it's infinte wisdom decided to combine some cards into some cases and then mark others as duplicates and close them. It had been real simple : XXXX card for each case and XXXX cases total. Each card 's front and back was emailed to XXXX with the subject line the case number for that card. So there were XXXX emails sent with front and rear of each of the XXXX cards. 

My case numbers are : XXXX ) XXXX - XXXX XXXX ) XXXX - XXXX XXXX ) XXXX - XXXX XXXX ) XXXX - XXXX
Consumer complaint received 2024-01-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

At the end of XXXX I lost my bank debit card, upon waiting for the new card to come in the mail I used my capital one card by making payments every day the new card did not come in the mail. Also at this time my bank account was hacked and emptied without knowledge until it was to late and unfortunately the payments bounced. My account was closed. I called to explain the situation and asked f I could send proof from the bank that the account was compromised at the time to reopen the account. I was told they could submit a request to open the account once I paid {$1100.00} on the account and it had cleared for XXXX days. I did this and upon calling back was told in order to be considered I needed to pay of the interest for the month on the card and then a request would be open to reopen the card and I could send my proof for review. Which I did, I paid another {$200.00} on the account. I then called and was told they would not be able to put in the request and there was nothing they could do, I feel like they lied to me to get me to keep following the instructions when they had no intention of helping me. They have not even taken the time to let me submit my document from the bank saying my account was hacked! This was an unintentional event that I was promised help with over and over and then told sorry not sorry. This is not only dishonest but disheartening as I believe capital one practices unenthical business such as lying to get people do do what they want and then not bothering to help them.
Consumer complaint received 2024-01-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: OPTUM BANK, INC. (MD)

Optum Bank is in nearly total violation of the disclosure requirements of 2 CFR Part 1030 - Truth in Savings ( Regulation DD ). Specifically, Optum Bank is failing to comply with substantially all of the requirements of 1030.4 Account disclosures ; 1030.6 Periodic statement disclosures ; 1030.7 Payment of interest ; 1030.8 Advertising. 

Perhaps most importantly, in violation of Regulation DD, the APR on Optum Bank Healthcare Reimbursement Accounts is not displayed anywhere on the Optum Bank web site or in any written material that is automatically provided to account holders. Furthermore, nowhere is it disclosed whether the monthly interest payment is based on the balance at the end of the month, the average balance during the month or some other value.

I was able to obtain the APR by submitting a prior complaint to the CFPB but account holders should not have to submit a complaint to the CFPB to obtain information that should be readily available under Regulation DD.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

In XX/XX/XXXX, I submitted applications to three ( 3 ) different rental properties to rent an apartment. On XX/XX/XXXX, XXXX XXXX, received by XXXX XXXX Credit Card a total of {$320.00} ( {$75.00} Application Fee & {$250.00} " Administrative Fee ''. During the background check, XXXX XXXX used a " fraudulent '' overseas ( either XXXX or XXXX XXXX entity ) who " declined '' to offer rental due to a fake police report ( NO CONVICTION OR PLEADING ). As soon as XXXX  XXXX notified me of the " police report '' which I explained was in ERROR, I rented at my current location after I notified XXXX  XXXX of my decision to not trusting them to lease from them. I notified XXXX XXXX ( XXXX ) ( XX/XX/XXXX ) demanded that they work with XXXX XXXX to return the {$320.00}, and on XX/XX/XXXX, notified me that XXXX XXXX returned the money. XXXX credited my account after providing ALL the documentation. On XX/XX/XXXX, I started receiving " threatening '' letters from Columbia Debt Recovery LLC, dba Genesis FOR {$400.00} on behalf of XXXX XXXX. Multiple attempts to contact XXXX XXXX and Genesis to stop the " fraudulent threats '' but to NO AVAIL and THEY CONTINUE on MONTHLY basis! Last " threatening '' EMAIL received on XX/XX/XXXX and XXXX XXXX was/is OF NO HELP!!!
Consumer complaint received 2024-01-16
Product: Credit 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. (MD)

On XX/XX/2023, XXXX XXXX XXXX XXXX dispatched an unlicensed plumber named XXXX XXXX XXXX, who came to my house and did extensive damage to my heater while trying to fix it. His supervisor named XXXX was called to address the situation, promised to return and fix the heater and asked for credit card number " just in case, so we know we will get paid when we finish the job ''. No permission or authorization, written or implied, was given to XXXX XXXX. No amount of charge was discussed. XXXX XXXX then went on to charge my account {$320.00} without my authorization. I immediately reported the fraudulent/unauthorized charge to XXXX Bank XXXX but XXXX just XXXX in favor of the merchant without any investigation of the facts. Please see attached documents, including the copy of the complaint filed against XXXX XXXX via Better Business Bureau, receipt of complaint filed with MD Attorney General 's office and a receipt for submission of the complaint to Maryland Department XXXX XXXX to investigate XXXX XXXX for hiring and dispatching unlicensed plumbers in the State of Maryland. Note that despite large amount of evidence to support my claim of unauthorized charge by merchant, XXXX still ruled in their favor. I request a chargeback and full refund of money which was embezzled from me by the XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-01-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (MI)

I received a notice from a debt collection agency in regards to a fraudulent debt thet was incurred in my name after verifiable identity theft. I followed the instructions in the notice to dispute the debt and about a month later the debt was added to my transunion credit report. I called for clarification and was told they received my dispute, and did not want to see my comprehensive police reports regarding the fraud because they had to do their own investigation. in the meantime, the collections notice could not be removed from my credit until their investigation was complete. I was informed then that it could take up to 45 days and I should be notified via mail. Following that maddening phone call, I received a second collections notice promising lack of payment would lead to serious legal action. the lack of consideration to the evidence along with the lack of finess, compassion, or diplomacy is the heart of why i feel this report is necessary. i can provide further proofs and date stamped communication if anything more is needed.
Consumer complaint received 2024-01-22
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: EQUIFAX, INC. (NY)

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-01-20
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. (FL)

In accordance with the fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rigths to privacy and confidentiality under 15 usc 1681. 

The accounts below have violated my rigthts 15 u.s.c 1681 section 602 A. States i have the rights to privacy. 

15 u.s.c 1681 Section 604 A section 2, It also states a consumer reporting agency canoot furnish a account without my written instructions 15 u.s.c 1681 c. a ) 5 Section states ) no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adeverse tem of information, other than records of convictions of crimes which antedates the report by more than seven years 15 u.s.c 1681 s-2 A ) 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 Delete the accounw below 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
Consumer complaint received 2024-01-20
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. (MS)

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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am submitting my fourth communication and follow-up to my recent correspondence dated XX/XX/XXXX, addressing the matter of identity theft. As a victim of this crime, I dispute the items in my file associated with the incident. It is crucial to reiterate that these contested items are not connected to any transactions involving the acquisition of goods, services, or funds that I have initiated or authorized. I kindly request the removal of the records of these items from my credit file, attributed to the alleged identity theft. Additionally, I have attached my filed FTC report # XXXX for your reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-20
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. (NJ)

It has been 7 years and this company XXXX XXXX is still reporting on my credit negatively with a past due amount even though the account has been closed and sent to a collection account.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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.

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 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (TX)

I have asked over several months for additional payments I made aside from my monthly payments to be allocated to promotional payment balances on my account. These payments were not allocated as I requested despite asking repeatedly. The company also claims that it takes XXXX billing cycles to reflect.
Consumer complaint received 2024-01-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

XX/XX/XXXX I received a letter in the mail ( albeit to an address I have not resided at in over 10 years ) from Jefferson Capital Systems for a debt that was a result of identity theft. They claim I owe {$5700.00} for an account at XXXX that was fraudulently opened in my name after my phone and wallet were stollen in XX/XX/XXXX. After many attempts at disputing the debt directly with XXXX, in additional to formal police reports and Federal Trade Commission reports filed, I am still being chased down for a debt that is 6 years old. 

I called Jefferson Capital Systems on XX/XX/XXXX to dispute the debt. I received a one-page fraud form in the mail from them on XX/XX/XXXX in which I filled it out and mailed it back. 

Attached you will find my formal police report of the crime committed against me, in addition to the collections notice from Jefferson Capital Systems and the fraud form I filled out and sent back to them. If any additional documentation is needed, I ask you let me know so I can provide it to you.
Consumer complaint received 2023-07-13
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: EQUIFAX, INC. (IL)

Good morning, In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  Acct # XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposeI have previously requested the credit bureaus there are constant inconsistencies in my credit reports, date opened, last reported, date last active, date of last payment, & payment history. I've tried multiple times to handle this with no success. They did not properly verify report and there are multiple inconsistencies. I've requested documentation with my signature to verify the account. They have not provided any of these things. I have attached screenshots of these accounts from my credit report to show they did not verify these accounts and I demand that they are removed.
Consumer complaint received 2024-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I disputed a charge with budget rental car i rented XXXX XXXX XXXX XXXX  for our vacation to florida through capitol one, due to a cockroach infestation in the van on my florida vacation. Capitol one claimed to have investigated the dispute. Budget claimed to give me a clean safe car. In the dispute. I point out all of the emails back and forth stating how sorry they were for not only the cock roach infestation but the bad wiper blades that left us stranded untill rain stopped. Pointed out how a partial refund was issued admitting guilt. Capitol one said i would have to find a similar vendor who would agree that a cockroach infestation in a rent van is breach of service./contract. No company will do this as it opens them up for suit. XXXX XXXX XXXX refused to investigate it. I pointed out that the emails and their statements were conterdictory and constitute pejury. I was damaged XXXX of lost money and time. Capitol one refused to allow me to add suplemetary evidence to support my case. They gave no proof the car was clean. Capitol one