davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
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: CAPITAL ONE FINANCIAL CORPORATION (NH)

Kohl 's opened a line of credit in my name with Capital One Visa without my consent. This is a violation of regulation Z of the Truth In Lending Act because I was not informed of Kohl 's true intentions and not given the option to decide against this. On XX/XX/2024 I received the new credit card in the mail with instructions only how to activate it and what rewards there are from purchases made with it. The Credit Card Accountability, Responsibility and Disclosure ( CARD ) Act requires credit card issuers to disclose all rates, limit fees, and limit the cardholder 's liability for fraudulent transactions. Every piece of paper that has come in the mail including faq 's page does not disclose any of this information. I have had to go down a rabbit hole searching for an interest rate or any information online. 
I haven't used my Kohl 's store credit card and several years which is what makes this so alarming to me! With interest rates being so high in the general population struggling against fraudulent online purchases and data breaches on a regular basis, I'm appalled that a company that I haven't done business with was able to open a line of credit in my name without my consent. I honestly and wholeheartedly believe that the intention of Kohl 's / Capital One Visa was to ensnare as many unsuspecting consumers into high interest rate debt for profit only!
Consumer complaint received 2024-08-23
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)

I received a copy of my consumer report on XX/XX/year> and there is some incomplete and non accurate information reporting to my report! According to he FCRA when a consumer reporting agency crates a consumer report is should follow reasonable procedures to assure the maximum possible accuracy of the information concerning the person in which the report is reporting about! These accounts ( XXXX ), ( XXXX ), ( XXXX  XXXX ), ( XXXX ), ( XXXX XXXX ), ( XXXX XXXX XXXX ), Are incomplete and REPORTING inaccurate!
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Harvard Collections, LLC (IL)

I Contacted IL Department of human services to notify them that an account appeared on my credit report that does not belong to me. I have no affiliation with this company and or account. 

The account is listed on my credit report as " XXXXXXXX XXXX XXXX XXXX' The original creditor name is " XXXX XXXX XXXX XXXX XXXX '' The account balance is listed for {$1300.00}, and is currently placed for collections. 
It was opened on XXXX, XXXX XXXX.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (MI)

Violation 15 U.S. Code 1681i - XXXX XXXX XXXX inaccurate information with malicious intent. You have been provide with identification for this field and have fails to update it on numerous occasions. You have prolonged the dispute process while not once running an accurate dispute or reviewing dispute information. Delete, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX and XXXX funding have all been disputed correctly at XXXX and removed from my file as the do not belong to me XXXX violation, willingly ignoring CFPB information as further negligence toward file.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and 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
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (TX)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-10
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

These are the hard inquiries that are not connected to open accounts that were ran and the dates : 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 Not attached to accounts
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Avant Holding Company, Inc. (IL)

I have reached out to avant serval times about this account. Account was charged off and sold to third party collectors. I ask avant to remove all late payments and correct my credit information because account was sold without my prior knowledge to third party vendors
Consumer complaint received 2024-09-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (FL)

I made a transfer on Westner Union of XXXX XXXX XXXX XXXX, it was supposed to be delivered XXXX XXXX XXXX XXXX XXXX I received an email saying money was sent and a as of today the transfer still shows processing. Ive tried contacting them and they say to call but Im not able to call since I work in a XXXXXXXX XXXX Ive contacted them multiple times and they are always saying someone will contact me and escalation team is working ok it. I asked the money to be refunded and they said they will work on it, again saying escalation team. I tried contacting them thru XXXX XXXX XXXX XXXX. As of now, status shows processing. I have screenshots and emails.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (NV)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and 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
Consumer complaint received 2024-09-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have had a capital one 360 online savings account since XXXX. This account is a higher interest online savings account. This is money I have set aside for my aging parents. The goal was to have a higher rate than I would in my brick and mortar bank and the money be safe if needed for emergencies. 

I recently logged in to move money into my parents account and noticed surprisingly small interest payments given what I know about current rates in XXXX. I called capital one and they said 2 years ago they created a new product called XXXX performance. I asked them why they needed to create a new product and what was the difference. Speaking with two people they explained that it has a different name, different interest rates and that a debit card for new product is not available. So basically the same. 

So for 2 years my interest rate has been 0.3 % in my different in name only 360 account, while the current rate in the 360 performance account is 4.25 %. I looked through my emails and did not see anything letting me know. I asked them about this and they said they have commercials and marketing. One person I spoke to said she would alert captial one of this issue. They obviously have known as in XXXX I found a financial blogger who contacted them regarding this and also made a complaint to cfpb. So it's an overtly deceiving practice aimed to allow people to remain ignorant of the new product. This has cost my parents over XXXX in extra interest income. How many thousands of people are still parking their money while it looses value and capital one gets the benefit of those funds in their bank. It's despicable and I suspect illegal at the least unethical.
Consumer complaint received 2024-09-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Valor Intelligent Processing, LLC (GA)

This debt collection company is attempting to collect for XXXX on an account that had a credit balance after the account was closed. Now, XXXX is stating a debt is owed. I have requested this debt collection company and XXXX send a WRITTEN detailed letter explaining how this occurred.
Consumer complaint received 2024-09-11
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: SLM CORPORATION (CA)

Re : Formal Complaint Regarding Unauthorized Hard and Soft Inquiries Violations of Fair Credit Reporting Act ( FCRA ) Dear CFPB, I am filing this formal complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) by credit reporting agencies and entities that have made unauthorized hard and soft inquiries on my credit report. These inquiries were conducted without my consent or any legally valid reason, and their presence has negatively impacted my credit profile. I seek immediate corrective action and enforcement of the relevant laws. 
XXXX. Unauthorized Hard and Soft Inquiries Violations of 15 U.S. Code 1681b Under 15 U.S. Code 1681b, a consumer report may only be furnished for specific permissible purposes, such as when there is a valid contract, a written authorization from the consumer, or for purposes specifically outlined in the statute. The following hard and soft inquiries were made without my authorization or any legally valid reason : [ List of unauthorized inquiries, e.g., XXXX XXXX, XXXX, etc. ] I did not initiate these inquiries, nor did I provide any explicit consent for these companies to access my credit file. The continued presence of these inquiries violates the FCRA and damages my credit standing by lowering my credit score and creating inaccurate information. 
XXXX. Impact of Unauthorized Inquiries Hard inquiries, in particular, can significantly lower a consumers credit score, and soft inquiries, while not always visible to other creditors, still reflect improperly on my credit history. The presence of unauthorized inquiries misrepresents my financial activity and negatively affects my ability to obtain credit on favorable terms. 
XXXX. Legal Remedies and Violations of the FCRA The unauthorized inquiries constitute a violation of 15 U.S. Code 1681b, and I am entitled to remedies under 15 U.S. Code 1681n ( willful non-compliance ) and 15 U.S. Code 1681o ( negligent non-compliance ). These include : Statutory damages of up to {$1000.00} per violation. 
Actual damages for the harm caused to my credit standing. 
Punitive damages for willful violations of the FCRA. 
Recovery of legal fees and costs associated with disputing these inquiries.
Consumer complaint received 2024-09-11
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Bridge IT, Inc. (CA)

brigit/XXXX XXXX XXXX  reported i have a {$600.00} loan that is incorrect this shows on my credit report says opened XX/XX/year> with a 24 month term status 30-59 days late
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I looked at my consumer report and notice that my Capital One Auto account was closed and charged off which mean that they quit pursuing me for the debt. Without any documentation of this transaction I was making payments on a payment plan and notice that information. After speaking on the phone, on a recorded line, I was told that they did that because the account was over XXXX days and the underwriters was doing there job but they are constantly updating an closed account.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kashable LLC (TX)

The account was opened to assist my family during the pandemic. I faulted on the loan due to lack of work. I contacted the company I was informed the account would be closed however they never closed the account and reported it late for 4 years. I settled the account with the company and the account was finally closed however the account is list as currently delinquent. This is hurting my ability to purchase my first home.
Consumer complaint received 2023-07-29
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. (MI)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 2024-09-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I opened a XXXX XXXXXXXX XXXX  account for a {$600.00} bonus and a XXXX XXXXXXXX XXXX XXXX account for a {$1000.00} bonus in branch. I met all the requirements of both bonuses and did not receive any bonus within the deadline specified in their detailed terms. When I reached out to the bank, they excused that ( 1 ) my deposit was 'coded as credit ' in their system, which was their fault not mine ; and ( 2 ) since my business was a Sole Proprietorship and I used my personal social security number as the tax ID, I would only qualify for one promotion, which I was not informed during the account opening process. 

My complaint would be that they are breaking their terms and not honoring the bonuses whose requirements were all met. 

For the {$600.00} XXXX XXXX XXXX bonus, it requires " Deposit at least {$25000.00} in cumulative new money within 90 days of account opening '' - I did on XX/XX/XXXX " keep your account open for a minimum of 90 days. '' - Done. Opened on XX/XX/XXXX, now is XX/XX/XXXX " We'll deposit {$600.00} into your account within 14 days of meeting the requirements '' - Not received yet. 

For the {$1000.00} XXXX XXXX XXXX  bonus, it requires " Deposit {$20000.00} in cumulative new money within 30 days of account opening. '' - My fund arrived XX/XX/XXXX, while account opened on XX/XX/XXXX, so within 30 days " maintain a minimum daily balance of {$20000.00} for 60 days after meeting the initial deposit requirement. '' - The {$20000.00} balance was there all the time till now " Account must be kept open for a minimum of 90 days. '' - Done. Opened on XX/XX/XXXX, now is XX/XX/XXXX " We'll deposit {$1000.00} into your account within XXXX days of meeting requirements. '' - Not received yet.
Consumer complaint received 2024-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (NY)

Automatically the credit card enrolls you into a credit protection program. I called them to unenroll which the guy on the phone was pretty straight forward and told me I was removed from it upon close checking of my transactions today I have been getting charged this whole time for for their credit protection fees I called and requested a refund because I was told I was unenrolled and they told me no because they were verified transactions then I asked to speak to a supervisor and asked if I could get a copy of previous calls from me they said there were none. This is just blatantly scam.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc. (TX)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

My XXXX  XXXX XXXX card was stolen years ago. I was locked out my account and never had access since then there are other cards and companies that have been stolen from me and I have a police report.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and 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
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IN)

On the XXXX of XX/XX/year>, I made a check deposit at a Chase bank atm for an amount of {$23000.00}. The check was drafted from my business account which i intend to close and it cleared in my chase bank account. I forgot to write a date on the check when making the deposit which was a sincere human error on my part, chase decided to lock my account due to this check issue and i reached out to them to rectify the issue. We did a 3way call with Chase bank on the line as well as me the account owner and XXXXXXXX XXXX which the check was deducted from and they confirmed to chase that i own the account and the check was authorized. Chase as since refused to unlock my account and release my money to me saying XXXX has to request for a return which XXXX claims since the check has cleared in chase and chase took the money out, they should just return the payment back because if XXXX is to request a return it will take at least 2 months to get back which i don't have that much time considering my financial situation. I will attach a copy of the check in question alongside a screenshot of my XXXX account showing the check cleared and was deducted.