davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Claim ID. # XXXX Transaction Ref. # : XXXX Name : XXXX XXXX Acc. # Visa ending XXXX My name is XXXX XXXX. I am a bank of America XXXX XXXX XXXX Card holder for the past two year or so, I have filed a dispute about the outrageous charges made by XXXX XXXX XXXX XXXX in XXXX XXXX which I noted on my Visa Credit card ending with the XXXX. The charges in Amount of {$1000.00} posted on XX/XX/XXXX by the XXXX XXXX XXXX XXXX My dispute about this outrageous charge by XXXX XXXX XXXX XXXX on my Visa Credit card is as following ; 1-The rental car reservation was made online & the Total amount of rental car fees of {$290.00}, was paid in full on XX/XX/XXXX with my Bank of America XXXX XXXX XXXX credit card, And the rental car insurance which is an obligatory requirement in XXXX was confirmed to be covered by my Bank of America Visa Credit card. No additional fees were supposed to be added later on to this charges. 

2-On XX/XX/XXXX, while backing up in the parking lot at the hotel, where I was staying, I hit a tree with the rear bumper of the car causing a 4 cm superficial scratch mark WITHOUT ANY DENTATION or DEFORMITY OF ANY SORT. A paint only scratch mark on the right side of the rear bumper. I brought the pictures of the rear bumpers scratch marks to two separate car repair shops ( Car body Shops ) in XXXX, where I received an estimation of required repairs mounting to only XXXX Euro ( Depending on exchange rate just about XXXX $ ) cost of repairs. 

I was charged on my BoA Visa credit Card, {$1000.00} for the minor superficial paint only scratch marks on the rear bumper to be outrageous, for which two estimates by two separate car body shops in the same city ( XXXX XXXX ) are just about XXXX Euros, which is less than one tenth percent of the XXXX XXXX XXXX XXXX estimation for the same repairs. 

I wrote repeatedly to the bank of America Visa credit card to dispute this outrageous charges due to : 1-Extremely high charges for a minor superficial paint damages to the rear bumper of the car 2-XXXX XXXX XXXX credit Card from Bank of America which I used to pay for this rental car, is according to the credit card agreement is responsible & should be covering the Car rental insurance for my purchase. 
But the Bank refines to address my concerns & keeps telling me that they did not find any dispute & I am responsible for this damages.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Goodwill Adjustment on Capital One Late Payments and Charge-Off Dear Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX to file a formal complaint against Capital One regarding the reporting of late payments and a charge-off on my credit report. These issues date back to XXXX, over XXXX years ago, yet they continue to affect my XXXX XXXX and hinder my ability to secure funding for my businesses. 

Details of the Complaint : - Company Name : Capital One - Account Number : XXXX - Date of First Delinquency : XX/XX/XXXX - Charge-Off Date : XX/XX/XXXX - Late Payments Reported : XXXX ( from XX/XX/XXXX to XX/XX/XXXX ) Due to financial hardship in XXXX, I fell behind on my payments after losing XXXX of my XXXX jobs and working for {$12.00} an hour at XXXX XXXX XXXX XXXX Despite my best efforts, I was unable to keep up with the payments, leading to late payment reports every month from XX/XX/XXXX until XX/XX/XXXX, and eventually resulting in a charge-off in XX/XX/XXXX. However, I eventually paid the balance to Capital One, and the account was closed. 

Since that time, I have worked diligently to rebuild my credit and have maintained an impeccable payment history. My XXXX XXXX has now reached XXXX and is continuing to climb. In addition to my accounts with Capital One, all of my other credit card accounts are in good standing, and I recently paid off my car loan early. I currently have the following accounts with Capital One, all in good standing : - {$6000.00} Personal Credit Limit - {$6600.00} XXXX XXXX XXXX - {$7500.00} Personal Credit Limit - {$600.00} XXXX XXXX XXXX - {$2000.00} Business Credit Limit In addition, I hold both a checking and a savings account with Capital One, all of which are in good standing. 

Request for XXXX : Given my improved financial situation, my spotless payment history since the charge-off, and my early payoff of a car loan, I requested a goodwill adjustment from Capital One to remove the late payments from my credit report. Unfortunately, my request was denied. 

I kindly request that the CFPB assist in resolving this matter by ensuring that Capital One reviews my request for a goodwill adjustment and updates my credit report to reflect my positive payment history. These late payments from over XXXX years ago should no longer be impacting my ability to grow my businesses. 

I have attached a copy of my credit report for your reference. 

Thank you for your attention to this matter. I hope for a prompt resolution that accurately reflects my current financial standing. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC (AZ)

Roughly 5 - 7 months ago I was contacted by a company named Source Receivables, Management located at XXXX XXXX XXXX XXXX XXXX, NC XXXX. I was told I owed a debt of {$270.00} for an unpaid balance regarding a business line I carried through XXXX. I was unaware of any issues I may have had wirth XXXX and was actually talking to the collection company on the phone they were attempting to collect a debt on. I immediately explained to them this was the first I've heard of it and was a mistake, I then tried calling XXXX ( who XXXX merged with ) and I was told I don't have any debt, and if there was a debt from XXXX  it would have carried over and would have affected my account. It was never carried over because there was never any real debt. I explained all of this to the people of Source Receivables and even recently provided them with a reference number from XXXX  regarding the conversation I had with them and how I never owed money. I've spent a minimum of 6 months being called a liar and being bullied into something I never owed by their employees and manger named XXXX XXXX. Fast forward to today and the company has admitted their mistakes and no longer carry a debt in my name. However, my credit score has been hit hard by this, and since I've asked the company about how to file a complaint against them I've now been blocked and no longer have the option of speaking to someone about this. I've asked for transcripts regarding the amount of calls and harassing messages I've been receiving and that's when they blocked my phone number. I would like for this company to receive some sort of punishment for harassment. Thank you for your time.
Consumer complaint received 2023-06-22
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: EQUIFAX, INC. (MD)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-30
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NJ)

I have 6 synchrony accounts never paid late- never missed a payment- never got a check bounced, been using all my cards and paying them down. 3 days ago they closed all my cards and said it was a Risk of me paying. How did they get the assumption if I never paid late. I am currently working. I pay all my bills on time- mortgage never late- car note never late- I was truly embarrassed when I went to use my card at Lowes and they said my account was closed. This is not how to do business nor how they should conduct business, they could have frozen my accounts for a short time not to use them if that was the case.
Consumer complaint received 2023-06-22
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: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY (NJ)

I opened the business account on the TD bank. I ran 2 XXXX  payroll through TD on XX/XX/XXXX. On XX/XX/XXXX, the employee told me that he filled out the wrong bank account. I immediately reached out the Td bank customer service. One of representatives told me I can use the stop payment to stop the payroll. And I paid XXXX dollars for stop payments for my 2 transactions. It might take a week to return my money back. 
On XX/XX/XXXX, only 1 transaction {$770.00} dollar was recalled. I called TD again. The rep said the other payment {$650.00} went through and told me that I should do the ACH dispute. I Definity will get the money back since I pay the stop payment. and the dispute might take a few months. 
On XX/XX/XXXX, I reached out TD again. The rep told me my claim was decline because I did not file the claim within 24 hours and the rep has very bad attitude on me and kept stating I loss money because I filled out the wrong bank account. I asked the TD XXXX for help. The TD manager said she will call back. 
On XX/XX/XXXX, I got a call back from TD. The guy over the phone told me " stop payment won't be work for the payroll, and they apologized for my loss. But they only can refund me XXXX dollar for stop payment fee. Since the event passed for a few months, they can not do the ACH reversed for me. The reason why I was able to recall {$770.00} because XXXX returned the money back to me. 
Overall, the TD customer representatives provided very bad experience. I could get my money back if they provide the right instruction. Right now, I lost {$650.00}
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

On or about XX/XX/2023 I submitted a consumer credit application to XXXX in XXXX nc for services and they stated that due to information that was being reported on my consumer credit profile by Experian that a deposit was required but I explain to them that I never gave Experian Written consent to report anything on my consumer credit profile which is a violation of not only my consumer right to privacy pursuit to 15 USC 1681 section 602 A as well as 15 USC 1681 section 604 A.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (TX)

I contacted XXXX, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your help and assistance. { Also I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint 3 and contacted the police department and obtained a police report which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : ( Barclays ) Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

XXXX XXXX
Consumer complaint received 2023-06-22
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: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-22
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. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-22
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: EQUIFAX, INC. (OH)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX Balance : {$4000.00} ; XXXX XXXX Balance : {$8200.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-06-22
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: EQUIFAX, INC. (CA)

I recently reviewed my consumer report and noticed an unauthorized collection account reported on my consumer profile. I have sent notices to the company requesting them to remove the reported account, while also informing them they do not have consent/ permissible purpose. They have totally disregarded my request and continue to violate my consumer rights.
Consumer complaint received 2023-06-21
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-06-21
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. (FL)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: MISSION FINANCIAL SERVICES CORPORATION (IL)

after I got an credit card my credit score was dropped by XXXX XXXX  and there is no explanation as to why my credit score was dropped by these many points and also when ai am logging on to my account I feel as though I am being cyber stalked because A Calculator pops up and i don't have or have I installed a calculator app on my laptop I know that I lost my wallet but I have been experiencing this type of cyber stalking since I lost my wallet I believe that some in my neighborhood or some one with in the XXXX XXXX XXXX XXXX that is cyber stalking my laptop given i lost my wallet while I was at home I have been reporting this incident as much as I can even now have this cyber stalking calculator in my tool bar nowI just want to know how I can stop this cyber stalking its not safe
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Atlanticus Services Corporation (PA)

I was contacted by phone ( and my wife ) on XX/XX/XXXX regarding a past due amount owed to Aspire C.C. They proceeded to inform me I am being sued for an outstanding debt and this call could prevent the lawsuit moving forward. I questioned this debt and validity of the phone and they were able to provide quite a bit of personal info - a bit scary.

I was told that I would be served the lawsuit paperwork if I did not take this last opportunity to settle the amount owed. I caved in ... now I feel I am paying a huge penalty. 
They requested XXXX} on XX/XX/XXXX and continue until the amount due XXXX was settled. After this stressful situation I contacted the credit card company and they had no clue and suggested to contact authorities. I reached out to the collection/law firm per phone number and address - address is a virtual office, property manager does not have the company as a tenant/client. XXXX searches did not yield anything but article for phantom debt collections.