davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

To whom it may concern, I am writing to file a complaint against Capital One regarding their Best Price Guarantee policy and its implementation. I believe their practices are misleading and unfair to consumers. 
On XX/XX/XXXX, I booked a hotel room through Capital One XXXX for a stay at XXXX XXXX XXXX XXXX in XXXX, XXXX. The details of my booking are as follows : Confirmation Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Check-in : Sunday, XX/XX/XXXX Check-out : Tuesday, XX/XX/XXXX Total paid : USD {$1100.00} ( non-refundable ) After booking, I discovered that the same room with identical conditions ( non-refundable, same number of persons ) was available on the hotel 's official website ( XXXX XXXX XXXX  ) for {$730.00} for the two nights. This represents a significant price difference of {$450.00}. 

Capital One XXXX advertises a Best Price Guarantee ( XXXX XXXX XXXX ), which states they will match a lower price if certain conditions are met. However, when I attempted to claim this guarantee, I was denied based on a technicality that I believe is unfair and misleading to consumers.

The issue lies in the following qualification criteria for their price match guarantee : " Available at the time the customer contacts us. Our agent must be able to verify that the lower price exists. '' After I booked the room, it was no longer available to check on internet as it was the last room. As a result, they refused to honor the price match, claiming they couldn't verify the price. This creates a catch-22 situation : consumers can't know if they're booking the last available room, and once booked, the room disappears from the internet, making it impossible to claim the price match guarantee.

I had taken a screenshot of the lower price on the hotel 's website before booking, but Capital One refused to accept this as evidence. This practice seems designed to make it virtually impossible for consumers to successfully claim the price match guarantee, rendering the promise essentially meaningless.

I believe this practice is deceptive and unfair for the following reasons : It creates a situation where the consumer can not reasonably comply with the terms of the guarantee.

It incentivizes Capital One to offer higher prices, knowing that consumers will be unable to claim the guarantee after booking.

It misleads consumers into believing they have price protection when, in practice, it's nearly impossible to claim.

I appreciate your attention to this matter and look forward to a fair resolution. If you need any additional information, please don't hesitate to contact me. 

Sincerely, XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have not supplied proof under the doctrine of estoppel by the silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX {$36000.00}, XXXX XXXX {$610.00}, XXXX XXXX balance {$22000.00}, XXXX XXXX balance {$39000.00}, XXXX XXXX balance {$10000.00}, XXXX XXXX balance {$23000.00}, XXXX XXXXXXXX XXXX XXXX XXXX {$33000.00}.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I never gave ay consumer reporting agency my WRITTEN CONSENT & INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of these accounts and incorrect information and inquiries listed IMMEDIATELY : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX pa XXXX, XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I have identified incorrect information on my credit report, as outlined in 15 USC 16c-2. I believe this inaccurate data is negatively affecting my credit score. I did not authorize the inquiries listed
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

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. 

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 XXXXXXXX and list of Inquiries. 

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 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

While reviewing my most recent credit report ( XXXX ), I noticed fraudulent inquiries that I do not notice nor did I authorize anyone to pull my credit report. The inquiries are as follows below XXXX XXXX XXXXXXXX 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 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 XXXXXXXX XXXX. Please validate information with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of such documentation, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C 1681b ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within XXXX ( XXXX ) calendar days of receipt of this notice and demand, I will seek damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mo XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LD Holdings Group, LLC (MI)

I am REWRITING to formally resubmit the complaint to LOANDEPOT.COM regarding inaccuracies in the reported data on my credit file and you are not taking action of removing them in my credit reports. The information in question is not verifiably compliant, proven valid, or fully documented as true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX MI XXXX. My date of birth is XXXX, and the associated FTC report number for this complaint is XXXX. I have identified potentially false and unverified inquiries and accounts on my credit file that lack proper authorization from me. As a consumer, I am well within my federal and state consumer and civil rights to insist on the prompt removal of these items. I am initiating this consumer complaint and compliance check to address specific items being reported under FACTA Title 1 sec. 151, which unequivocally requires a thorough examination of the process. This serves as a formal dispute of information and reporting.
Consumer complaint received 2024-10-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Finance Company, Inc. (WY)

On XX/XX/year> I received a text message from XXXX stating " PFC, a debt collector : Your notice regarding XXXX XXXX XXXX XXXX. Password is 5 digit XXXX XXXX  Reply STOP to end. I have no knowledge of a debt. When opened I called the phone number and was told " we have ahigh volume of calls. '' I was on hold for over 30 minutes. I need IMMEDIATE verification of the debt, all signed documents by me, all services provided and MY contract with PFC as I have no knowledge of who they are what they do and I have not entered into any contract with them. My current mailing address is attached to this complaint. PFC is to only contact me via US Mail. Not Text or Call.
Consumer complaint received 2024-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (LA)

Subject : Dispute of Unauthorized Disclosure of Personal Information Dear Sir/Madam, I am writing to inform you that I recently discovered that my personal information was sold to a third party account without my consent. This unauthorized disclosure of my information is not only a violation of my privacy rights but also a breach of trust. 

The details of the unauthorized disclosure are as follows : - Date of unauthorized disclosure : XX/XX/year> -LVNV - Any additional relevant information : Fraud I demand that you immediately cease any further disclosure of my personal information to any third party and take necessary steps to rectify this situation. I am also requesting a written confirmation that my information has been removed from your records and from the third party to whom it was sold. 

Failure to comply with my request may result in legal action being taken against your company. I expect a prompt and satisfactory resolution to this matter. 

Please respond to this dispute in writing within 30 days to confirm the actions taken to resolve this issue. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

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

Account # XXXX Account # 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. 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 2024-09-13
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. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

Somebody use my personal information and open account loan or credit card with XXXX  XXXX XXXX  amount of {$2700.00} and a collection company XXXX XXXX report the amount to the credit caompany ( XXXX XXXX, XXXX, XXXX XXXX XXXX, i tried to call the credit comapies above and they ask me to do the compain with CFPB and get the FTC report. 
I went to the XXXX XXXX XXXX XXXX did apolice report and i will do FTC report as well to remove the case under my credit
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (TX)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXX XXXX XX/XX/year> Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. i have attached the FTC report 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 please see attach ftc.

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. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (TX)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX Balance Owed : {$100.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$520.00} XXXX  XXXX Balance Owed : {$770.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-01-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (PA)

Dear Sir/Madam I have purchased item from XXXX XXXX store as special financing and failed to pay off by the time promotional offer ended due to my income was only from part time job at the time. My job status changed after I had services done by XXXX XXXX Contractors, which led me into financial difficulty leading to unsuccessful in finish paying in timely manner. 

ACCT is with collection agency ( ATLANTIC Credit & Finance Inc. ) Phone # XXXX Starting Balance with Atlantic Credit was {$7200.00} Current Balance : {$6700.00} ( As of XX/XX/2019 ) Now I am trying to pay this acct off with help of relative who his trying to help me financially so I can come out of debt. I need your help with agency negotiation the one-time payment on this account. I have been unsuccessful in getting fully co-operation from the collection agency to help me out as I am struggle financially still. They won't reduce to less than {$4000.00} as a settlement amount, I am not able to pay {$4000.00}. 

I need your help to have Atlantic Credit to lower the settlement Amount. I am single person with limited and insufficient income to support myself. Therefore, I am requesting help from Consumer Protection Bureau in resolving this acct. 

This will help me improve my credit also. In last few months I have worked extra hours as much as possible so I can bring all my accounts current and keep up with all my bills. 
Please help me. 
I can be reached at XXXX or XXXX. 

Thank you so much for your attention to this matter.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

In accordance with the fair credit reporting act account # XXXX has violet my rights.

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 2024-09-13
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. (PA)

My name is XXXX XXXX, and this statement is being composed by me. In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. My identity was stolen and I need the accounts that were made by the thief removed! There is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy along with accuracy. I am demanding removal of the listed accounts : 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. I demand the removal of the following inquiries made by the thief : 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