davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (AZ)

EqufFax.Credit Reporting Agency is now showing a negative delinquent " closed '' account on my credit report and they have reduced my credit score to based on this account which has been closed since XX/XX/XXXX and has recently shown up on my credit report as unpaid. The account shows that it was opened XX/XX/XXXX with XXXX but I have not had an account with XXXX and I do not owe them for past services. I have filed a dispute with Equifax XXXX has billed me {$480.00} for an account they claim was opened on XX/XX/XXXX. I have not been a Direct TV customer since XXXX and my account was settled and closed at that time. XXXX is now claiming in error that I owe them for this closed and settled account. This bill was sold to a collection agency and has now hit my credit report and is affecting my ability to secure credit including a home loan. I have contacted DirectTV but they have not been able or willing to resolve this issue. I am asking the CFBP to exercise it 's rights and duties under the authority of the Congress and President of the United States to investigate this error in billing which has placed an undue burden on me and my family. The CFBP 's duty is to protect the consumer from such unlawful and unfair practices. 

I was made aware of this false and erroneous debt when I recently checked my credit report. I was never contacted by XXXX about this issue or this bill. This account needs to be expunged from mt credit report immediately as it is having an immediate and ongoing detrimental affect on my quality of life and ability to support myself and my family. 

Your prompt, thorough and corrective response is greatly appreciated and much needed, Thank you
Consumer complaint received 2016-09-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

I have disputed a fraudulent account with identity theft police report I filed with local police department in which it states that I am a victim of identity theft and a fraudulent account was opened under my name from XXXX / XXXX which is a online web store. This account was disputed with Equifax on XXXX/XXXX/2016 and was removed from my credit on XXXX/XXXX/2016. Upon checking my credit again today ( on XXXX/XXXX/2016 ) it shows in my Equifax credit report again which means the fraudulent account is reinserted back in to my credit file.
Consumer complaint received 2016-02-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NY)

Equifax XXXX XXXX. XXXX XXXX XXXX, GA XXXX To whom it may concern : In accordance with Federal Civil Rights Law, demonstrate that the following material appears correctly on my credit reports. Request ample documentation, ( including but not limited to : date account opened, date closed, full accounting of account, address where bills were mailed to ) from this alleged creditor. If these items appear in error, I have a cause for action because my rights may have been abrogated and violated in that case. Please confirm that this item has an address in my current credit report OR DELETE THIS ITEM FROM MY CREDIT REPORT. 

Tax Lien Status : Released Date Filed/Reported : XXXX/XXXX/2011 Reference # : XXXX Released Date : XXXX/XXXX/2011 Court : City & County Government Amount Owed : XXXX Your quick response and prompt handling of this matter is expected. 

Sincerely, XXXX XXXX XXXX ***********
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

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

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

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

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly.

They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.Bankruptcy XXXX  7-Discharged Filed on XX/XX/2017 Reference number : XXXX.
Consumer complaint received 2024-09-02
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. (MA)

I recently reviewed my credit report and observed an account that was not reporting accurately. I was paid on time for an account that had three late payments. The consumer reporting agencies are required to report all information with the utmost precision. I have attached a copy of my report to this company covering the dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All payments were made on time, and this account was not late. I am now requesting that you investigate this account and promptly update these payments to reflect timely payment immediately. The XXXX credit report for the account is enclosed, which demonstrates the inaccuracy of your report. Your prompt action and comprehension are greatly appreciated.
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC. (WA)

I had a credit score with Equifax of XXXX on XXXX/XXXX/2016. On XXXX/XXXX/2016 I have a credit score of XXXX. The only thing that has changed is my address. These people at Equifax took XXXX points away from my credit due to I changed my address. Hey I would like to file a lawsuit and actually received some proper resolutions from the consumer credit agency. This is crazy. I want justice and I want it today. These people can not take XXXX points off of my credit due to I changed my address. What XXXX is really going on here. Please ask this Equifax credit agency why are they taking XXXX points away from someone XXXX credit score because they change address. All of my bills have been paid on time, nothing late and nothing has changed except my address. They need to give you, me, somebody a explanation of why they took XXXX points off of my credit and all I did was change my address. Is someone trying to buy something I do n't know about. They need to reveal why they took the XXXX points, or else put them back today. XXXX XXXX XXXX
Consumer complaint received 2016-12-17
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (AL)

Synchrony Bank responded to my prior request by sending me some account statements from an alleged account. The statements did not even add up to the alleged balance they are claiming. There was also no documentation of the supposed account terms, any proof of an agreement between myself and them nor ANY proof of this account being valid.This account remains unvalidated, and inaccurate. I asked for the full accounting history and all that was provided were statements starting in 2011 that already had a balance on it.There are also all kinds of blank fields and retracted blacked out items on these statements they sent. This all means the information you have furnished is inaccurate and incomplete and the FCRA says you are required to delete this information. 

I am now asking them here where the CPFB can see it themselves, for them to provide copies of the actual documentation used to " verify '' this account with the credit bureaus. Including a certified copy of the original contract, the FULL accounting history of the account from the origination to present, copies of cancelled checks proving late dates, and proof of the bank account the payments were taken from. Also please provide proof that you lent me actual money and where did they get that money from since it is against the law to lend money from your assets or your depositor 's assets. 

XXXX XXXX XXXX defines 'verification ' as " the declaration under oath or upon penalty of perjury that a statement or pleading is true, located at the end of a document. '' So I would like for Synchrony Bank to provide the sworn legal statement proving that we did business of any kind. 

Lastly, I would like Synchrony Bank or GE Moneybank to please admit or deny on a sworn affidavit that Synchrony Bank ( or GE Moneybank ) received insurance money that paid off the account at approximately 90 days of no payments. Please admit or deny that Synchrony bank followed the law and took a loss on their taxes the year they charged it off. If they did, the debt was cancelled and no longer exists. 

If you can not provide all the requested information, FCRA Sect 611 requires this be deleted. If this remains on my credit report, I will be filing more complaints with the XXXX, Attorney General and as a last resort, finding a consumer attorney and taking legal action against Synchrony Bank for willful noncompliance of the FCRA.
Consumer complaint received 2017-01-16
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL (CO)

I received a new Walmart Mastercard in the mail that I did n't sign-up for. I called Walmart MasterCard Synchrony Bank fraud department and they had my social security number and address. I have never owned a MasterCard or had a Walmart card of any sort. Someone opened the card on XX/XX/XXXX and purchased something for {$700.00} ( plus ) on XX/XX/XXXX. Walmart Mastercard Synchrony Bank could not tell me who opened the card or where the card was opened, however they asked if we had an Amazon credit card. We do not, but we do purchase through Amazon and they have had our credit card numbers. That was done on Sunday, XX/XX/2017 and today ( XX/XX/XXXX ) I had the XXXX County sheriff over to file a fraud report.
Consumer complaint received 2015-09-12
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

i ahve yet to have the capital one issues resolved appropriately p XXXX lease have someone from viriginia contact me not someone else who does NOT address what i am asking to be addressed. various issues remain unresolved re credit and a business checking acct i can not use my accounts til addressed
Consumer complaint received 2017-03-04
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

We have a business card with Capital One ( XXXX ). We added an employee card and updated our email address. Subsequently our account was locked for suspected fraud. We called Capital one verified our identity and the changes. Capital One requested supporting documentation from us consisting of drivers license copies, utility bills, and a copy of our Social Security card for each cardholder. We thought this an odd request especially since we have been using the card for over a year. We advised them that we were fine sending in everything with the exception of our Social Security card copies as we were not comfortable for security reasons with them having or storing a digital copy of our social security cards. We then sent in drivers license and utility bills for each card holder and with held the Social Security cards. For some reason After numerous calls Capital One refuses to remove the fraud hold on our card until we provide digital copies of our social security cards, which we will not do. This caused disruptions in our business so we opened another card with another company. 

We called Capital One to close our account due to the fact that we were at an impasse. At the time we had a balance of approximately {$560.00}. We had accrued {$510.00} in cash rewards using the card for the last year. We requested to use the cash rewards we had earned to close out the account and fund the balance. Capital One now refuses to let us use our cash rewards until we send in our social security cards. We paid the balance and it seems we will now loose our cash rewards because we refuse to let Capital One have a copy of our Social Security cards. 

No fraud was ever on this card! We made and authorized all changes. I have never had a credit card company hold me XXXX until I fax in a copy of my Social Security card.
Consumer complaint received 2016-09-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Dear Sir or Madam, I 've been on vacation with no access to a Capital One Bank branch in the area and I 've been hit with numerous overdraft fees ( XXXX in all )! And the number continues to climb each day. This is a total of {$330.00} which I find quite excessive. 

Unfortunately, I 've been unable to deposit any money into my account to stanch the flow of overdraft fees as I 've been in an area where there are no Capital One branches. 

I tried resolving this issue by contacting XXXX XXXX, Director of Complaint Operations for Capital One and she answered that she would have a colleague reach me to discuss the issue. When I received a call from her colleague it was only to explain to me why they were justified in charging me all of these fees. 

So I appeal to you for help. 

Capital One Bank 's have increasingly used overdraft " protection '' plans in a way that is deceptive and unfair to consumers. The vast majority of large banks enroll consumers automatically in overdraft plans, charge an average of {$35.00} per overdraft, and manipulate the order transactions to post in a way that maximizes overdraft. This predatory practice must end! 

A report by the Consumer Financial Protection Bureau ( CFPB ) released in XXXX 2014 raises concerns about the impact of opting into overdraft services for debit card and ATM transactions. The study found that majority of debit card overdraft fees are incurred on transactions of {$24.00} or less, and that the majority of overdrafts are repaid within three days. Put in lending terms, if a consumer borrowed {$24.00} for three days and paid the median overdraft fee of {$34.00}, such a loan would carry a XXXX percent annual percentage rate ( APR ). 

By capping the number of overdraft fees Capital One Bank can charge, we will maximize protections to consumers. Unchecked, banks like Capital One will continue to XXXX their customer 's accounts with impunity. When will this end? 
Capital One 's predatory banking practices remind me of what XXXX XXXX says in her book How the Other Half Banks : " One of the great ironies in modern America is that the less money you have, the more you pay to use it. The American banking industry has stopped serving those who are too poor to bank. '' Charging excessive overdraft fees on one 's account is wrong and should be stopped.
Consumer complaint received 2016-12-21
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

PLEASE NOTE, THIS IS NOT A REPEAT-ITS A NEW COMPLAINT ON CAPITAL ONE Capital One, falsely claims that I never made payments for the months of XXXX, XXXX, and XXXX 2016. This claim is totally outrageous as the bank received, and cashed all those checks. 

I am requesting that Capital One adhere to they following : As a consumer, I have the right to ask that Capital One send me a print out of all payments received from me FROM XXXX 2016, and, detailing how/where payment was applied. Therefore, I want this sent to me. 

In addition, they should explain the meaningless charges on my account, like " what does 'other ' charge mean, and, what does this other charge called " other '' mean ( XXXX separate charges called " other ''? ) Remove all late fees charged to my account deliberately by them, as my payments were made and on time for XXXX, XXXX, and XXXX 2016 Start sending me monthly billing statement to ensure accuracy Credit my account appropriately for XXXX, XXXX, and XXXX 2016, and send prove of credit applied to the account. 

Please Note : That Capital One is quick to sight bankruptcy as an excuse for not complying and sending what is required of them. Therefore, let clear that now, I AM NOT IN ACTIVE BANKRUPTCY AND CAPITAL IS VERY MUCH AWARE OF THAT. 

SIGHTING THAT I AM IN BANKRUPTCY TO GET OUT OF COMPLYING IS OUTRIGHT SHAMEFUL THAT A BANK WOULD BE ALLOWED TO CONTINUE TO OPERATE IN SUCH A MANNER.
Consumer complaint received 2015-03-27
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CCS Financial Services, Inc. (CA)

CCS sent me a debt collection notice for a debt I do not recognize. In addition, CCS never sent me a debt validation notice as is required by the Fair Debt Collections Practices Act. Furthermore, CCS has not nor has agreed to provide all relevant contracts and information as to the alleged debt. I do not owe any debt to CCS nor have I ever. In addition, the alleged debt is past the statute of limitations. CCS is flagrantly violating the Fair Debt Collections Practices Act with their illegal debt collection tactics. Furthermore, they use the website XXXX to imply that it 's some sort of legal action that is taking place. This is deceitful debt collections and is in flagrant violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2016-09-28
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

1 ) Applied for a Capital One credit card online. 
2 ) Received a notice by mail requesting that I call them with additional information. 
3 ) Called them with additional information and was told a card account had been approved. 
4 ) Received Card. 
5 ) Attempted to enroll card online so I could see statements, etc. Blocked from doing so. Advised to call them again. 
6 ) Called them again. Forwarded to a " Fraud Supervisor '. Asked many intrusive questions. Wasted nearly half an hour. Advised that card had been successfully activated. 
7 ) Received two letters stating that they thought account was opened fraudulently. Ignored letters because I believed the matter had been resolved during the excessively long phone call. 
8 ) Used card several times. 
9 ) Card stopped working. 
10 ) Today, XXXX, became concerned that first payment may be due, but have not received a statement yet. Attempted to enroll card online again to see statement. BLOCKED. Advised to call. 
11 ) Called. " Fraud Supervisor '' wasted about 8 minutes of my time jerking me around. I advised her that I would cancel the account if the problem was not resolved in the next couple minutes. She asked for my cell #, which I absolutely will not provide to an entity that shares/sells my personal information, as they do. 
12 ) Became frustrated and cancelled my card. 
I HAVE NOT RECEIVED A STATEMENT and I am concerned that this account will become delinquent because of Capital One 's actions.
Consumer complaint received 2017-03-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have a home mortgage with Capital One Home Loans. 5/1 ARM. As their rates are not in line with the market, I decided to repay the mortgage. I asked for a payoff letter on XX/XX/2017 with a good through date of XX/XX/2017, which was {$550000.00} ). I paid {$250000.00} ( as XXXX only permits {$250000.00} wire per day ) on XX/XX/2017 ( Fed Ref No XXXX ), {$250000.00} on XX/XX/2017 ( Fed Ref No XXXX ) and {$61000.00} on XX/XX/2017 ( Fed Ref No XXXX ) ( which includes the per diem interest rate through XX/XX/2017, that was provided on the pay off letter ). On XX/XX/XXXX, my Capital One account did not show credit of my wires and still showed the full principal outstanding. On XX/XX/2017, my Capital One account showed principal balance of {$310000.00}, and on XX/XX/2017 the principal balance on my Capital One account was {$250000.00}. As of XX/XX/2017, it still shows {$250000.00} as the outstanding principal balance. I have made 2 calls thus far to find out about the {$250000.00} wire that was already made ; however, neither representative was able to locate the wire transfer. My call on XX/XX/2017 with a " supervisor '' at Capital One said that she will be contacting the account receivable department to see if the {$250000.00} was applied to the wrong ledger and that it will be credited back to my mortgage account once they are able to find it. I can not comprehend how a bank can misplace a wire for 7 days. How are they documenting/accounting for this internally? As a securities attorney, I can only imagine that their internal controls are a mess and I respectfully request that there be a thorough audit of this bank so that other consumers are not left in my situation without recourse.
Consumer complaint received 2017-03-26
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

To Whom It May Concern : In XX/XX/XXXX I received a Capital One credit card bill with a {$19.00} charge for " annual fee ''. Since I did not want to pay a fee for a credit card I called and asked what my options were for a no fee card. I was told I could change to the Quicksilver card that has no fee. This was fine with me until I got a new bill with the {$19.00} charge still on it. 
I called again and was told that the fee was for going forward only but I still owed the {$19.00}. This was not my understanding from the first call and would have canceled the card on the first call. I get offers in the mail regularly from Capital One for no fee cards. 
I think they are using some of the " XXXX '' type deception. I would have canceled the card on the first call and I think if you listen to the " recorded for training purposes '' recording of the call you will find this to be true. 

I want my {$19.00} back or I am going to cancel the card. 

I also want to know what steps will be taken so that this type of deception is stopped. 

XXXX, NC XXXX