davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-28
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was already being sent a new credit card from Capital One as they had received information that clients may be comprised when shopping at a particular merchant. However, I got my new card, activated it, had it active for about a week, when suddenly i 'm charged {$190.00} from XXXX XXXX XXXX for the old number! Not only was that number supposed to be deactivated, someone was still able to use it to make a new purchase. Capital One claims it is because they will allow subscriptions that used the old card number, to pass through to the new card number ; in other words they are still connected, despite being given the impression that they were not. I told them I have never shopped with XXXX XXXX XXXX and therefore this being a new purchase, regardless if it was a subscription, should have been denied as it was completely new, and therefore a new subscription that should never be allowed to be used on a deactivated card. I had already cut my card up too. The more I spoke with them the less confident I felt in their abilities to protect me from fraud, as because it was a subscription they would just let it be processed without calling me first despite it being an old number that was supposed to have been deactivated. I was told I can call XXXX XXXX XXXX with them to get them to cancel the subscription, but apart from that all they can do is block. But I do n't feel they will really block them. I am upset that they do not understand that if I have NEVER used someone, regardless of subscription, then why would you allow a NEW subscription to be used on a " supposedly '' deactivated card?? I will be speaking with them more but am heavily considering canceling them.
Consumer complaint received 2017-03-14
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CCS Financial Services, Inc. (NY)

Some one used my personal information for receiving AUTO INSUARENCE XXXX XXXX I received letter from colllection for {$930.00} I was trying to resolve this matter with XXXX directly but Still no response. 
I 've filed complaint with FEDE RAL TRADE COMMISION Report number:XXXX
Consumer complaint received 2016-01-11
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I have contacted Capital One to let them know of this unauthorized fraud account, however they sent me to collection and now I found out on my credit report that there is a judgment apparently they sued me for this account, and a judgment has been entered, when they did n't even let me know they sued me, so I could appear in court. I can not believe they held me liable for an account that I did not open, I have never done business with this this credit card company, and they sent me to collection and latter sued me for this and not even let me know they did. I had to find out from my credit report. Now I have a civil records and judgment that is filed against me for account that I did not open, with a credit card company I never done business with.
Consumer complaint received 2016-07-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

An acct was opened in my name with Capitol One. Once I discovered this, I informed Capital One that it was not my debt. The account was charged off at some point and removed from my credit file in XXXX XXXX. I received a notice from XXXX XXXX XXXX on XXXX XXXX, XXXX questioning the debt. i informed them in writing to stop calling me constantly about this debt. I also asked them to verify this debt in 30 days. They added the debt to my XXXX credit files in XXXX without providing proof that the debt is mine. The credit bureaus continue to report this debt and state that is valid. XXXX XXXX XXXX only sent me a collection letter and a capital one statement from XXXX as verification on XXXX XXXX, XXXX. Which is not validation of this debt. I responded to their letter on XXXX/XXXX/XXXX asking them to remove this debt from their records and my credit files because they did not validate this debt with me. They just added it on my credit file as they saw fit.
Consumer complaint received 2016-08-12
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have filed a complaint with the bank because of suspected fraud on my account and several charges that I did not authorize. The institution has since put a freeze on my account and refuses to provide me with any information. I recently paid my auto insurance from the account where there was a balance to cover the transaction and the bank returned the payment. Their reasoning is that the funds are being held due to the investigation. The rep who I am asked to contact is never in the call center and they keep the same business hours as I do and I have to work. 

How can your complaint be satisfactorily addressed? 
The funds need to be released on my account as they are being unjustly held and have now caused me hundreds of dollars in fees because of the returned transaction.
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2016-12-19
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I have been making on time payments to a Capital One XXXX but between the months of XXXX 2016 and XXXX 2016 it says I have made zero payments. This incorrect reporting to the credit bureau is hurting me. It says I have made {$0.00} payments to Capital One yet I have my bank statements AND payment history from Capital One website showing differently. I want Cap 1 to report correctly to show I made payments to them during those 4 months. I have been fighting this but they will not budge, even with proof they will not do anything.
Consumer complaint received 2015-06-18
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

We ordered a solar pool cover from an online company called XXXX on XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX York, NY XXXX 
Email XXXX XXXXXXXXXXXX. No phone number provided. 
An email response was received that same day, informing us that the item would leave the warehouse within XXXX. We had requested, and paid for " rush processing ''. 
After XXXX days, without any further contact from this company we inquired when our item would be shipped. The response was that this was a special item, manufactured to specification and that we should be patient. After XXXX days, no shipping info, so we contacted them again. At that point they told us that it would be best if we cancelled the order, to which we agreed, provided we got a full reimbursement on our credit card. 
The next day, the company informed us that the item had been shipped and if we refused delivery they would withhold a 25 % " restockingfee ''. 
We did not agree with that and informed the company accordingly. Now they have informed us that the restocking fee is 75 %. 
As we suspect internet fraud, we kindly ask your agency to look into this. 
Respectfully, XXXX XXXX XXXX
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: The CMI Group, Inc. (GA)

Credit Management XXXX, has made repeated telephone attempts to collect a + {$200.00} debt on behalf of XXXX. The problem with their story is that XXXX auto debits my bill, and when I called XXXX, they said they never heard of Credit Management. 
The only other scenario I can imagine is that someone has stolen my identity, despite having a bank supplied identity protection service.
Consumer complaint received 2016-02-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (MN)

FEMA mandated a large area in which I live to be in a flood plain on XXXX XXXX, XXXX. It included everyone in about a XXXX of the County in which I live. I have lived here for 29 years and 10 months. This is all new at this time. On XXXX XXXX, XXXX, Citi Mortgage issued a letter stating that I had to get flood insurance absolute by XXXX XXXX, XXXX,. This was the first that I learned of this status. Citi Mortgage stated that if I did not obtain flood insurance that they would establish a policy that " may be higher than the cost of flood coverage obtained by your own insurance agent. '' So, in any event, I am forced to get flood insurance! I have worked diligently in consulting with the Assistant City engineer of my city and he performed a site elevation survey and published a certificate stating that I should be OK to not need flood insurance. ( See attached Certificate dated XX/XX/XXXX. ) Shortly thereafter, I sent in the required documents ( deed, assessors map and Certificate to FEMA for them to review to apply for a Letter of Map Amendment ( LOMA ) or Letter of Map Revision ( LOMR ). I received a case number and then I called them and they said that the earliest possible timeline that they may address this issue would be 60 days. 
My complaint is with CitiMortgage in that they will not give me the time for due process. 
They are operating on a heavy handed process that gives no concern for the consumer!!!! 
I had called them and submitted to them all of my documentation via fax and have received no response. ( I will include my letter to them ). 
I have been in dialogue with the Consumer Protection Agency of the Federal Reserve who told me they have no jurisdiction over Citi and directed me to file a complaint through you. 
I have check with XXXX insurance companies for flood insurance. one quoted a price for XXXX coverage, XXXX deductible to be {$460.00} annually. The other will only insure for {$250000.00} coverage at a rate of {$530.00} per annum. 
I am being forced to purchase this insurance and am doing so under protest but, of course, I want a lower premium so I have to go with the lower quote. 
I feel this is totally unnecessary ... ... 
History, when I purchased the property over 29 years ago, a 100 year flood XXXX was reviewed. It was deemed then that because the creek that previously impacted the lake on which I live had flowed into the lake. XX/XX/XXXX the creek was diverted to flow around the lake and in no way flows into the lake. 
During my nearly 30 years, I have not experienced anything that would impact any of my structures of the property that would be even near a flooding situation. 
I am requesting more time so that I can iron things out with FEMA. 
I believe that I am being squeezed by FEMA and railroaded by CitiMortgage. 
There is absolutely no fairness whereby I will pay for insurance when in fact it appears to not be necessary!!!!
Consumer complaint received 2017-01-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (AR)

I opened my citibank account on XX/XX/XXXX. I deposited XXXX on XX/XX/XXXX. 
I dd n't like citibank experience and decided to close my account. So I pulled my money on XXXX/XXXX/XXXX and deposited into my XXXX XXXX XXXX account using mobile deposit. It was posted on XX/XX/XXXX. Then I closed my citibank account. On XX/XX/XXXX it was returned. Now that my citibank is already closed, that money was not deposited into citibank. Both banks suggest me to contact other bank and noone is for sure about what happened to my XXXX money. Please help me
Consumer complaint received 2023-09-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation (CA)

For the past two months, I have been receiving from Penn Credit Corp. a debt report. They want me to pay for something I never got or asked for. I called them but they refuse to give me information about what I have supposedly bought from some media company. They also refuse to give a phone number of that company so I can cancel this monthly transaction of {$34.00}. They listed the date of XXXX as the beginning of this purchase.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I had an account with XXXX XXXXXXXX XXXX  from XX/XX/XXXX until XX/XX/XXXX. I maintained a perfect payment history all the way up to XX/XX/XXXX. I then paid my balance off to a XXXX balance and discontinued use of the card. 4 months later I received an alert stating my score had dropped XXXX points. XXXX XXXX XXXX had continued to charge my card without any usage of the card or making any purchases, they charged my card every month without me being aware, which ultimately resulted in 4 consecutive late payments and fees and the closure of my acct and a severe hit to my credit score. When I contacted them, they admitted the misunderstanding and removed any and all late fees but failed to remove the late payments from my report.
Consumer complaint received 2015-10-05
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A. (UT)

The issue here is that we have been wronged by XXXX. Along with numerous other establishments and their flagrant misrepresentations. The monies paid to your company were taken under false pretenses. On XXXX XXXX, 2014, they charged me {$4900.00}. This was on my bank statement. They did say they were doing my advanced marketing. I was definitely taken advantage of by these people because I had no phone number or any means to get back in touch with them. I do not want to do any further business with them and request a refund. I am very uncomfortable working with this and at this time would like to cancel these services and demand a FULL refund of my money. The company is non responsive to calls, complaints and letters. I have reached out to my banking institute and supplied them with all the information that was in my possession. They advised that I did not. I called and advised Citibank that it was n't a billing error, that I have a contractual agreement with the above referenced merchant and that I was allowed to file this under " services not as described '' up to a year from the date of the original transaction in accordance with Federal Regulation, they can not pick and choose as they see fit. Also the mentioned I did not comply with their request for documentation. I give them everything I had. They offered no help at all. I can not afford this big of a hit to my finances. Please advise my credit card company of proper protocol and ensure they help me. I need your help.
Consumer complaint received 2016-08-23
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (PA)

Reference : Citi XXXX XXXX Card I paid a balance due on XXXX/XXXX/16 of {$220.00}, the payment was due on XXXX/XXXX/16. That payment gave me a {$0.00} balance. I have called and spoke to XXXX different people about a {$25.00} late charge. The statement says no payment was made by the due date thus the late charge. The {$25.00} charge was debited to the account on XXXX/XXXX/16, this is 6 days after I made the payment of {$220.00}. I have asked for the {$25.00} late fee be removed from my account. The CSR 's I spoke to told me I have to wait for a call from a supervisor.
Consumer complaint received 2016-02-08
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Onity Group Inc. (GA)

I have asked for months and months to have the statement " Account in dispute '' removed from my credit bereau reports. My account is not in dispute and this statement is preventing me from moving forward with other aspects of my life! Years ago there was an error with my SSN, so I sent them a copy of my social security card and ID so that they could update their system. This should not have caused them to still have this statement on my report as it had NOTHING to do with my ability to pay my loan! No one speaks english and no one undersands what I need. I have received letters and emails of proof that my account is current ... .THAT IS NOT THE ISSUE!!! I need them to remove that statement IMMEDIATELY. It has been years and that is unfair to me whenI am not disputing anything. They need to report appro [ riately. Thank you for any help on this!
Consumer complaint received 2016-06-27
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (NC)

I had a Citi Double Cash Mastercard and I was a very good customer, always paying my bill in full and never carrying a balance. Citibank suddenly closed my account XX/XX/XXXX and I lost {$100.00} in cash back that I was entitled to as a result of purchasing and then paying off {$5300.00} worth of charges in XX/XX/XXXX and XX/XX/2016. The DoubleCash card offers 1 % cash back when you make a purchase, and an additional 1 % cash back when you pay off the balance charged. I complied with these terms but I could not redeem my cash back because my account is closed. I have called Citibank about this multiple times but they say the account is no longer active and that my rewards can not be accessed. I feel that this is a gross violation of the terms of this credit card. Citi has blatantly seized my rewards for no reason, and if they are allowed to do this to me, they can do it to anybody on an arbitrary basis.
Consumer complaint received 2023-09-21
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-08-05
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Green Square Company LLC. (MI)

XXXX ( name of company ) called with a partial robo, partial human call. Name and case number were robo. " Serious matter with you personal information ''. Need statement from me or my attorney. Number to call is XXXX. Or hit XXXX for a rep. I have had numerous similar calls. All the same type of XXXX. They go for a couple of weeks, then stop for months at a time. I know this is a scam. Alleged company is based out of California. Call at all hours. Getting really old. Thought this was done. First call in almost XXXX months.
Consumer complaint received 2015-12-01
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (CA)

It has been its longest while since American Express has been refusing to comply with my request of replacing my card. American express has been notifies of my account being compromised and dispute charges mentioned. American express has denied to comply with my request nor did Amex replace my card. On top of all this, Amex has not yet resolved my issues with BlueBird Amex account. Their discriminative approach and racist actions are limitless. 
Appropriate proof will be provided upon request.
Consumer complaint received 2016-10-27
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Financial ( Case number : XXXX ) stated they were closing the account on XX/XX/2016 and as of today they have not closed or advised credit bureaus. This still shows on all three credit bureaus. They need to follow through and close it as they stated they would.
Consumer complaint received 2015-12-06
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: ENCORE CAPITAL GROUP INC. (PR)

On XXXX XXXX 2015. the CFPB and Encore Capital Group , owners of Midland Funding LLC entered in a Consent Order. In XXXX XXXX not one judge is honoring this Consent Agreement and lawyers for Midland are still suing not only in the state courts but also in the federal district court in violation of the Agreement. 
What can be done to enforce this ORDER??