davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-29
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 (FL)

I opened Capitol One Venture X credit card account for the sole purpose of utilizing the advertised benefits that the card was offering, specifically but not limited to the use of Priority Pass and all inherent secondary attributes. Capitol One Bank vigorously advertised the Venture-X credit card in this manner in order to attract business. 

After opening the account, paying the substantial annual fee, and applying a modest balance, I used the card successfully for approximately 1 month. Shortly thereafter, locations which accepted Priority Pass benefits intentionally forbade and denied said benefits to its members ( in good standing and without warning ) that utilized the Capitol One Venture-X Card. Furthermore, Priority Pass discriminated against ONLY Capitol One members and no others, placing the onus of ethical integrity squarely on Capitol One Bank. Priority Pass offered no recourse and instead blamed Capitol One for its denial of advertised benefits. 

After reaching out to Capitol One to rectify the situation, which now was clearly misleading if not a blatant violation of implicit contract, perceived, real, or otherwise falsely advertised, Capitol One refused any relief. 

As such it is reasonable to assume through a preponderance of evidence that Capitol did engage in unethical and nefarious predatory lending practices in order to attract a specific customer base, capture substantial windfall monetary profits in annual fees and balance accruals, and thenceforth deny the benefits used to attract said customer base. Payments to a non-credible, malicious lender have ceased until a resolution can be obtained. 

Caption One has since engaged in a campaign of harassment, collection agencies, unrealistic fees, interest rates, and numerous negative credit reporting in order to extort the consumer into paying. 

Capitol One has has refused to rectify the situation despite the consumer ( me ) reaching out in a good faith effort to pay the balance to zero without penalty and relief from the contract which no longer is as advertised. I have verbally advised Capitol One Bank of my intent to file a regulatory complaint, to which they did not change their position.
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 This account is showing inaccurate information on my credit report
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Dear Agency.

This letter is a formal complaint that you are in direct violation of my privacy rights.

I am distressed that you have included the Information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to respect my rights to privacy.

Per 15 U.S Code 5 1681 ( a ) ( 4 ) ; There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness and respect for the *Consumer 's right to privacy '', I am beyond embarrassed and humiliated this should not be reported to my credit report therefore the following information needs to be removed or else I will be forced to move forward with litigation.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non- compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( XXXX XXXX XXXX XXXX  ), you may be liable for your willful non-compliance. 


Bankruptcy CASE # XXXX Under federal law, you have thirty ( 30 ) days to respond to this request an updated report showing that this Bankruptcy has been removed From my record and provide me with proper prof that it have bin remove. 


Thank you for your time, XXXX XXXX XXXX
Consumer complaint received 2020-11-13
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. (NY)

Innaccurate items are being reported on my credit report. It was brought to my attention and I took action over 90 days ago and there still is nothing resolved!!
Consumer complaint received 2023-07-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (FL)

I received a email saying that I owe money to a person with the email XXXX. It said that I took out a loan from a company called speedy cash loan in XXXX but I never did and never heard of this company. I called the company and they said I wasnt in their system and it a scam to get my information. They told me to report it to you
Consumer complaint received 2023-07-29
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: SANTANDER HOLDINGS USA, INC. (NY)

XXXX credit reporting stated that on XX/XX/2023 that I requested credit from Santander Consumer USA Inc, and violated my consumer rights with inaccurate reporting. The information below I am disputing. It is inaccurate. 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 2020-04-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

My loans and my wifes were initially federal student loans I believe through the FFEL program. American Education Services ( AES ) is stating the loans are not federal loans and do not qualify for pause of interest and payments through the CARES act. Ive contacted AES through email, XXXX, and via phone within the past 3 days ( XX/XX/XXXX, XX/XX/XXXX)
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MIDLAND CRED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing this letter to formally dispute the validity of a debt that your agency claims I owe. I received a collection notice from your organization on XX/XX/year>, asserting that I owe a debt of {$1600.00} related to Account No. redacted 1. Verification of the Debt : Please provide a detailed written statement of the debt, including the original creditor 's name and contact information. 
2.Proof of Ownership : I request proof that your agency has the legal authority to collect this debt, including a copy of the assignment or purchase agreement from the original creditor.

3.Full Account History : I would like to receive a complete account history, including all statements and transactions related to the debt. 
4. Copy of the Agreement : Kindly provide a copy of the signed contract or agreement, if applicable, that demonstrates my obligation to pay this debt.

5. Documentation on Your Licensing : Please furnish me with your agency 's licensing and registration information, as required by the relevant state and federal Please consider this letter as a formal dispute of the debt, and I kindly request that you respond to this dispute in writing within 30 days of receiving this letter. Failure to provide the requested information within this time frame will be considered a violation of the FDCPA. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jim Bottin Enterprises, Inc (GA)

I sent a request through the XXXX website notifying them that I have moved out-of-state and that I was canceling my subscription. They charged me the following month. I disputed it with my bank, and XXXX began to call me stating that I have an unpaid balance. I spoke with several team members notifying them that I moved out of state and that I submitted the request to cancel before I moved. The last person I spoke to was XXXX on XX/XX/year>, who notified me that the account was delinquent via voicemail. I called her back and explained everything to her. She stated that she would look into it, and never called back. I believed it had been resolved, but I received a notification that this had been reported to XXXX.
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I filed a complaint against Equifax on XX/XX/XXXX. I am reaching out today XXXX, XX/XX/XXXX, regarding the same issue of an incorrect XXXX code that was reported on my Equifax credit profile. I want CFPB to note that this is the fourth time complaint now that I have filed against Equifax for the same exact issue which still has not been corrected. I am respectfully requesting that CFPB recognize that Equifax is not resolving issues but creating more problems. I am due to close in a few weeks and need this matter expeditiously resolve. It is frustrating that I have already submitted three previous complaints for the same exact issue with the last complaint dated XX/XX/XXXX Report # XXXX, and prior to that was XX/XX/XXXX - Report # XXXX. 
We noticed the issue when my mortgage company pulled my credit on XXXX XXXXXX/XX/XXXX, it was the same exact information as the previous report pulled dated XXXX XX/XX/XXXX. Nothing was changed or properly updated by Equifax and still has not as of this date. Equifax report still shows the final reported XXXX codes from being in this year ( XXXX ) on all of the reports that were pulled ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) which meant nothing has been changed or properly updated. I am scheduled to close by XX/XX/XXXX. This is time consuming and extremely frustrating. Therefore, I am once again reaching out to your Organization ( CFPB ) to help me expeditiously resolve this issue regarding an incorrect XXXX code that is still being reported on my Equifax credit profile. 
I am unable to obtain an approval through their automated underwriting systems due to the multiple 120-day late markers for the months of XXXX and XXXX. My issue is that XXXX, second mortgage ( along with my first mortgage - XXXX ) were closed and transferred in XXXX and XXXX respectively. In XX/XX/XXXX, the house was sold in a normal sale and the third mortgage ( XXXX ) was paid in full and closed. Below is a snip from my credit report showing XXXX and the negative reporting that cycled for XXXX. Following the XXXX is a snip showing both XXXX and XXXX and the negative reporting that cycled in XXXX. I was told that by XXXX, the third-party vendor my lender used to pull my tri-merge credit report, that when an account is closed the final XXXX  code reported should not be anything other than a XXXX. XXXX reported a 60 day late in XX/XX/XXXX ( was not on prior to XX/XX/XXXX ) - Account closed and transferred in XX/XX/XXXX XXXX and XXXX both reported 120 day late marker in XX/XX/XXXX ( again, nothing prior to XX/XX/XXXX ) - XXXX  closed and transferred XX/XX/XXXX - XXXX closed/paid in full after sale on home XX/XX/XXXX.
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/2023 I received a Denial letter from Navy Federal informing me that I was denied my refinance based on " Property use does not meet occupancy requirements ''. I am requesting a further Investigation on this matter due to a conversation that I had with my loan officer. When I requested a change of person to take care of my loan, I got some resistance. I feel my documents & evidence were not fully disclosed.
Consumer complaint received 2024-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (VA)

On XXXX XXXX XXXX I purchased a couch from XXXX XXXX, which is owned by XXXX XXXX XXXX in XXXX, Virginia. I made all of my payments on-time and closed my account. I later learned I missed a payment and accumulated many fees. 

The one time I was able to connect with someone I offered to pay the balance I owe for the couch, which I was told is {$46.00}. I have accumulated fees over {$200.00} because of this. I was then passed between account services and customer services with no help. Then they hung up on me. 

XXXX XXXX XXXX XXXX has changed their online platform 3 times in two years. I called the number 12 times to talk to a representative. ( I am currently on-hold as I type this ). I was able to get through one time, but have been unsuccessful 10 ( maybe 11 as I am still on hold ). 

I asked to dispute the fees and was told it will take 45 days and the fees will continue to accumulate during this time. 

I continue to call back and stay on hold for over 60 minutes. No one will answer the phone. It seems many other consumers have had a similar issue.
Consumer complaint received 2023-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IL)

There were four written correspondence in addition to two three-way calls between Chase Bank XXXX XXXX Illinois XXXX XXXX XXXX and XXXX regarding {$38.00} owed me by the bank.The Highway Authority states that they deposited this amount to my account ending in XXXX representing a refund on my XXXX. However, somewhere in that time frame, this debit card was compromised and I was issued a new card ending in XXXX. My current debit card ends in XXXX. The Highway Authority has proof of the deposit. The bank concurs that a deposit was not entered in my account. I feel it is their responsibility to track down this {$38.00}.
Consumer complaint received 2023-07-29
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. (NY)

I submitted letters to all 3 bureau on XX/XX/XXXX asking to verify the following accounts and ensure that all of the information on them were accurate and correct. Each letter was mailed through XXXX and delivered. After about 45 days I received a letter from each stating that they updated some DATES and everything else was accurate. Upon very carefully reviewing my credit, these accounts still show a number of alarming discrepancies. There are multiple important dates, balances and even account status errors that I came across while conducting my review. 

The following are all of the accounts i request be reviewed. today is XX/XX/XXXX and all of the information for these accounts are incorrect. 

Account : Unsecured Loan Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


Account : Credit Card Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account : Credit Card Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account : Credit Card Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account : Credit Card Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account : Educational Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account : Credit Card Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


In accordance with the Fair Credit Reporting act these accounts have 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 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH OUT WRITTEN INSTRUCTION.
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am submitting this Complaint regarding fraudulent items on my credit report. I have recently discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. I need the following items removed from my Credit File : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance $ - ( previously Late Open ) XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2000.00} DEPT OF ED Inquired on XX/XX/2022. I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution. Despite providing documentation and evidence of the fraudulent activity, these items remain on my credit report and continue to damage my credit score. I believe that the fraudulent items on my credit report are the result of identity theft, and I am deeply concerned about the potential impact on my financial well-being.