davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-23
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I have had an ongoing issue with capital one for two months now. Here are the rundown of events:XX/XX/2015- month put into my credit card account that did not belong to me ( money was meant for another account and the money did not belong to me ) - Called capital one they told me nothing was wrong with my account and someone must have " given '' me money. 
- I said that no one has access to my account and that is not possible- research was done and the money was found out to belong to my mother who does NOT have a capital one account, she was paying off her XXXX XXXX XXXX bill ( which is through Capital One ) -She has a different first name, and a different account number yet the money was put into my account. 
- Called capital one to clear it up ... here is the chain of events since then:1. ) Money was supposed to be sent to me in late XXXX so I could return it to my mother so she could send it to the correct address- Capital One instead sent it back to my mother 's bank where I do not have an account and put it addressed to me. That bank sent it back to Capital One and the money was put back into my account2. ) XX/XX/XXXX money was supposed to be sent to my house - check was never issued3. ) Week later I called- money was supposed to be sent to my bank electronically- never done and I was told that this was not an option4. ) XX/XX/XXXX- check was STILL never mailed - spoke to a supervisor who said she would make sure it was mailed. 
5. ) Check was mailed to an address that DOES NOT exist. I gave her my address because it was wrong in the system and the check was sent with the XXXX XXXX name, apartment name, town, and zip code. 
6. ) Called Capital One and they were supposed to cancel the check and resend it to the correct address. Payment department said no because they already issued it and it would be a duplicate check7. ) TODAY XXXX/XXXX/15 : Called 2 times - spoke to XXXX supervisors- supposed to get a call from someone in the payment department at XXXX XXXX and no one ever called. 

Where am I now .... 
NO closer to having the money returned to it 's rightful owner. This is all Capital One 's fault yet I am the one who is having to continuously call and explain to someone new what the situation is. I can not believe that a company can operate like this it is XXXX unacceptable and I would never recommend this company to ANYONE. I am filing a complaint because I do not know where to go from here. I am no closer to having the check for {$3500.00} returned to me and no one at Capital One seems to know how to do their job.
Consumer complaint received 2023-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (NV)

Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2015-03-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

This debt was thrown out of court, XXXX had this debt for XXXX credit cards and what they did was combined the XXXX together and brought me to court. Judge threw out the case due to improper documents, the bottom line was i had XXXX insurance on this debt and the debtor being chase visa household financial did n't honor my XXXX insurance after i gave them all the documents required they sold debt to XXXX when the credit card company should have honored my XXXX that shown documents that i paid {$4.00} a month foe insurance on XXXX them accounts. So XXXX had XXXX debts sold to them and they combined together in court was dismissed but XXXX still shows XXXX of the XXXX debts
Consumer complaint received 2023-05-22
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. (CA)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I don't know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is aquatinted or who may have knowledge concerning any such items of information on a consumers credit record obtain directly from a creditor of the consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. I'm requesting the removal of accounts and or monetary compensation due to violations of my rights. I'm currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore I'm requesting removal and this account violates my consumer rights in several ways. Please remove and provide some update within 4 days of receipt, as this has been ongoing for over 4-5 months.
Consumer complaint received 2015-06-25
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XXXX XXXX, 2015, I went on Capital One site to look at my balance and I saw that they charge a late fee of {$25.00} on XXXX XXXX, 2015 when my account was due XX/XX/XXXX. I forgot to pay my account but they assessed a late fee early. It 's a problem because I usually pay my account through XXXX XXXX and on time and I have been charge late fees when I paid the day it 's due. I 've called in the past about this and I was told that XXXX XXXX posted it late.
Consumer complaint received 2015-05-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: International Computer Systems, Inc. (OK)

The XXXX time they called, I was told I could make monthly payments on an outstanding bill. The lady was polite. She asked me when I could make a payment. I told her it would be the XXXX of XXXX when I could make the XXXX payment. I sent the payment. Since then they have called repeatedly every day. I have answered a XXXX of times but the caller would just hang up or I would just hear music. They use several different numbers to call. I have gotten to the point where I will not answer these calls. It is annoying and harassing because I am set up on a monthly payment plan and they need to stop calling me.
Consumer complaint received 2015-07-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (NY)

I received an email alert from " XXXX from XXXX XXXX '' of a negative reporting in my credit report by " DIVERSIFIED CONSULTANTS INC., PHONE # ( XXXX ) XXXX XXXX ''. I immediately called that number and I learned that it is a debt collector acting on behalf of XXXX and I explained that I did not owe them and that this matter had been resolved via a former complaint to the CFPB. Upon checking my credit report, I came to realize that XXXX is again asking for a {$410.00} overdue payment. In response to that earlier complaint ( Case number : XXXX ), here is the specific response by XXXX XXXX XXXX from XXXX which handled the claim by XXXX : Please be advised that I have thoroughly reviewed the above referenced complaint. XXXX XXXX XXXX XXXX XXXX is a collection agency which performs collections sevices for XXXX in association with a collection claim on a defaulted account. 
XXXX XXXX is listed as the responsible party and all communication from our office has been in regards to the defaulted account. Per your complaint, a deletion from your credit file has been processed on XXXX XXXX, 2015 and the account has been returned to our client. You will receive no further communication from our office regarding the defaulted account. 
On behalf of XXXX XXXX XXXX XXXX XXXX I want to apologize for any inconcenience that this may have caused you. If you have any further questions or need additional information feel free to contact me directly at the number listed below. 
Sincerely, XXXX XXXX XXXX do not owe XXXX any outstanding overdue balance and the facts for this declaration were clealy detailed in my earlier complaint, Case number : XXXX. Additionally, the FTC in its online bulletin dated, Wednesday, XXXX XXXX, 2015 declared : " FTC Charges XXXX with Deceptively Advertising the Cost of Its Satellite Television Service '', which is indeed partially at the core of their claim that I owe them noney.
Consumer complaint received 2015-11-16
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I wire transfered {$66000.00} to a marketing company as an investment for commissions on small business loans that close. This company described themselves as a Network Marketing Company. But never delivered any service or products promised. In addition, all the contacts and phone numbers have been disconnected. 
I do have the banking routing info and am requesting the person/ people connected to this account be tracked and stopped. I would like to receive restitution and damages.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I sent a letter to remove any items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after the Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : XXXX MEDICAL XXXX Balance : XXXX MEDICAL XXXX Balance : XXXX MEDICAL XXXX Balance : XXXX MEDICAL XXXX Balance : XXXX MEDICAL XXXX Balance : XXXX
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NC)

Account reports different dates under date of last payment. reporting this due to FCRA ( noncompliance of an accurate data being furnished on my consumer reports. Payment history is not reflected accurately on this account. No documentation sent that proves these payments were late so that I can determine if you are in fact, reporting this account accurately or not.
Consumer complaint received 2015-07-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (CA)

I recently checked my credit report and found a credit item from the group DIVERSIFIED CONSULTANTS. The debt collections agency claims I owe {$1000.00} as of XXXX 2015 to XXXX. This debt is not mine. Additionally, the agency has not attempted to contact me, that I know of. If I had n't checked my credit report, I never would have known this was going on.
Consumer complaint received 2023-05-22
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. (MI)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2016-10-20
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Capital One violated 12 CFR 226.13 - Billing error resolution. 27 and regulation Z by : Not reasserting the charge when I submitted additional documentation that proved that a credit was issued to the merchant who shipped me the goods. 

When I previously submitted this complaint, twice, to the CFPB Capital one did not address the issues in complete and forthright manner.
Consumer complaint received 2015-12-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (CA)

XXXX XXXX billed me for a policy I did not authorize. I received a bill from the company and knowing I did not request or authorize new policy, I did not pay it. Now it is in collections.I wrote XXXX XXXX for a copy proof of authorization, and they replied that they have it, but failed to show or give me a copy.
Consumer complaint received 2021-10-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

I was told verbally that my loan is eligible to receive mortgage assistance but the servicer is stating that this investor doesn't award mortgage assistance at all. I have supplied 2 offers but due to XXXX I became very ill. I have asked for either of the 2 offers that are telling me that they have no record of the approvals I have submitted them as evidence. The stated that the XXXX does not qualify, All I ask is that they modify the loan and keep me in my house.
Consumer complaint received 2016-09-19
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: New Century Financial Services, Inc. (NJ)

Today I received a notification from my HR department that they received a Creditor Garnishment to garnish my wages. They included that it was their legal obligation and enclosed a copy of the withholding order for my records. I was mortified that my employer was involved in something like this but also completely confused as I read over and over the court order. 

My current credit situation is under control so to receive this notice I was surprised. The court order held no information at all to what this was regarding. I did not recognize the amount, the company or dates. There were even errors listed i.e. Total Due XXXX/XXXX/2015, Date Issued : XXXX/XXXX/2015. 

Immediately I called the lawyer that is representing the plaintiff and they told me to contact the Court Officer for the account details. It is all unsettling and confusing. This is the first time I am being notified legally, and through my employer. 

After feeling lost, I went to the internet for answers on who New Century Financial Services and XXXX XXXX XXXX are and discovered even more unsettling details. I am writing to you in hopes to rectify what is being done to me. These payments are being taken out of my check next payroll and there is nothing I can do to stop it. Please assist.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2016-09-26
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Complaint Details : On XXXX XXXX 2016, I made an online purchase in the amount of {$160.00} from " XXXX XXXX XXXX " a company based in XXXX. This package would cover a tour and a dinner/show on XXXX XXXX and XXXX XXXX 2016. 
The refund policy of the merchant states that full refunds are given if requested within 24 hours or more before the tour date. 
The only contact information provided on the website, as well as in the confirmation email is a telephone number. 
On XXXX XXXX, 2016, I called the XXXX number provided in the confirmation email to request a refund. I was told by the representative that in order to request a refund, I have to reply to the purchase confirmation email they sent. I replied to that email on the same day. 
When I replied to that confirmation email, I received a failure response stating " Sorry, we were unable to deliver your message to the following address : '' XXXXXXXXXXXX. My subsequent calls to the merchant went unanswered. I did not use the services of the merchant as I later booked with another company. 
I then contacted Capital One on that same date, XXXX XXXX 2016, to file a dispute, clearly explaining that the merchant advertises refunds, yet provides no valid way for the customer to obtain said refund, although the customer is following their procedure outlined. In short, the merchant operated under false pretense and lied about their refund policy. 
Capital One then issued me a credit in the amount of {$160.00} ( full purchase price ) and noted that they would investigate further. 
Following their investigation, on XXXX XXXX, 2016, Capital One rebilled my account for the full amount of {$160.00}, stating that the merchant responded to the dispute and provided additional documentation. 
I submitted a response to Capital One on XXXX XXXX 2016, with my documentation, ( a copy of an email showing that I did in fact contact the merchant on XXXX XXXX 2016, but received a failure message ). 
It is now XXXX XXXX, 2016 and Capital One has made no effort to resolve this issue, and the charge of {$160.00} is still outstanding on my account which I should n't be responsible for paying ; I requested a cancellation based on the merchant 's refund policy and I did n't utilize their services. 
With this amount not paid, Capital One will charge me late fees and interest which will affect my credit rating. This is unfair to the customer. 

Please investigate and assist further.
Consumer complaint received 2023-02-02
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. (AR)

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account : XXXX XXXX XXXX XXXXXXXX Balance : {$46000.00}
Consumer complaint received 2023-04-27
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. (AZ)

I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 



The following items need to be removed and blocked as they are fraudulent. 



XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2023-05-22
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: JPMORGAN CHASE & CO. (TN)

I went to redeem my reward points valued at {$1200.00} from Chase on a credit card ending in XXXX. I received the confirmation email, but the money never made it to my account. I called chase and they confirmed my account number and routing number were correct. They said the points should be corrected and in my account within 1-2 business days, but they still havent shown. Ive tried calling the bank multiple times and my calls wont go through.
Consumer complaint received 2016-06-13
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (LA)

This card was created and charged at a dental office. I was quoted a price of XXXX dollars for services and told that they had a credit card I could apply for there. XXXX is the place. anyway while i was under XXXX they had me sign some papers. when I received the first bill it said XXXX or somewhere around there.I called the dental office and spoke to a worker in bills and payment and she said well, they said i had more XXXX that were distressed and it cost more, but yet they didnt tell me that up front. then also Im on medicaid and i found out they also charged them for some things they had charged the credit card. I was angry and refused to pay the credit card for awhile but then i didnt want my credit to be ruined so i agreed to large payments each month till i paid off the principle because i didnt know what else to do. but now they want the interest for the year i refused to pay and i dont feel i should have to pay that. because i was lied to, to begin with. that was in 2014 and they have turned it over to a collection agency and they keep posting it and its dropping my fico and credit score. I pay my bills, and im XXXX on time, I hate this situation but I refuse to pay for something i never agreed to from the beginning, even though I did pay the principle in which i think that was theft to begin with. please help if you can.. thank you