davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (TX)

ONLINE INFORMATION SERVICE HAS FRAUDULENTLY ACCESSED MY PRIVATE AND PERSONAL CREDIT HISTORY WITHOUT FIRST OBTAINING MY WRITTEN CONSENT. THEY ARE A THIRD PARTY DEBT COLLECTOR AND HAVE NOT BEEN GRANTED ANY PERMISSION BY ME TO ACCESS ANY OF MY PRIVATE OR PERSONAL INFORMATION. I HAVE NEVER CONTRACTED OR AGREED TO DO ANY BUSINESS WITH THEIR COMPANY. THEIR ACTIONS ARE A DIRECT VIOLATION OF FDCPA AS WELL AS MY PRIVACY RIGHTS. WHEN I CONTACTED ONLINE INFORMATION SERVICE THEY REFUSED TO GIVE ME DETAILS ON 1 ) HOW THEY OBTAINED MY PERSONAL INFORMATION 2 ) WHO GRANTED THEM ACCESS 3 ) SENDING ME ANY SIGNED AGREEMENTS OR CONTRACTS BEARING MY SIGNATURE IN AGREEMENT TO CONTRACT OR DO BUSINESS WITH THEIR COMPANY 4 ) ANY SIGNED DOCUMENTATION FROM ME AGREEING TO GRANT THEIR COMPANY ACCESS TO MY PRIVATE AND PERSONAL INFORMATION UNLESS I AGREED TO THEIR DISCLAIMER. I DO NOT AGREE TO ANY OF THEIR POLICIES AND I SHOULD NOT HAVE TO AGREE PRIOR TO OBTAINING ANSWERS TO MY REASONABLE QUESTIONING. 
MY RIGHTS HAVE BEEN VIOLATED AND BECAUSE OF THIS FRAUDULENT REPORTING I AM SUFFERING GREAT MENTAL ANGUISH AND STRESS IN WHICH IF NOT RECTIFIED PROMPTLY I INTEND TO SEEK DAMAGES TO THE EXTENT OF THE LAW FOR EACH OCCURENCE.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX reported multiple late payments on my accounts, however I was in the process of applying for federal student loan forgiveness and consolidation and was in the process of transferring this loans to the Department of Education. The loans were officially taken over by the department of education at the end of XXXX in 2022, but XXXX reported multiple late payments to my credit score during the transition process in XXXX and XXXX of 2022. I am trying to refinance my home to pay for damages to my roof and because of these items my lender will not approve this. On top of that, despite the credit reporting being of no fault of mine due to the active transfer process, I was severely injured in a car accident in XX/XX/2022. I am a XXXX that was working COVID Crisis assignments in ERs all over Florida and was in an accident leaving me unable to walk for almost XXXX months, and had no I come at this time. I am a single mother of three children and I paid the necessary bills to survive, none of which included the loans from the College Foundation as the account is closed and transferred, and I was told due to the pending legislation for student loan forgiveness for nurses, no payment is due at this time.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Capital One has reported my non public personal information in violation of the FCRA Account XXXX XXXX As documented on the Federal Trade Commissions website, Per the FCRA 15 USC 1681 B ( Page XXXX ) XXXX. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. Capital One does not have my written consent 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

nonpublic personal information ( XXXX ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer
Consumer complaint received 2024-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

I am writing to address an issue with an overcharge on my Chase credit card account. On XX/XX/year>, I used my Chase credit card to pay a total of {$1500.00} for two XXXX XXXX XXXX XXXX of the XXXX XXXX XXXXXXXX XXXX ) was not working properly, so I disputed the charge of {$740.00}. After over one month, XXXX eventually resolved the issue so I contacted Chase to remove the dispute and I authorized the payment of {$740.00}. 
However, I recently received letters from XXXX stating that the payment for {$740.00} was not received and my account was sent to collections. To avoid collection and a mark on my credit report, I made a second payment of {$740.00} on XX/XX/year>. 
As a result, I have now paid a total of {$2200.00}. The total charge for both phones was {$1500.00} so I essentially overpaid by {$740.00}. I kindly request that Chase credit my account so the total payment out of pocket is {$1500.00}. I've attached XXXX receipt and Chase register with associated payments to XXXX. 
.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bridgecrest Acceptance Corporation (PA)

My account with BRIDGECREST was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

BRIDGECREST Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-17
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. (GA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX  Account Number : XXXX -- Inquiries -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

To Whom It May Concern, I am writing to formally submit a complaint regarding the recent closure of my accounts with Capital One. I have been a Capital One customer for over 10 years, maintaining a good standing throughout that time. Recently, I performed work for an individual who agreed to pay off my credit card balances as compensation. Although the payments were initially successful, they were later canceled and returned. As a result, Capital One has permanently closed my accounts, suspecting fraudulent activity. 

I want to emphasize that I had no knowledge of any issues with the payments and that the closure of my accounts appears to stem from circumstances beyond my control. Unfortunately, I am unable to obtain further documentation from the individual or their account, as I have no means to contact them. Given my long-standing relationship with Capital One and my prior good standing, I believe the closure of my accounts is unjust. I have attempted to resolve this issue directly with Capital One but have not received a satisfactory resolution.

I request that the CFPB investigate this matter and assist me in reopening my accounts or finding a resolution to this issue. 

Thank you for your attention to this matter. I look forward to your prompt response
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (NY)

sent payment on XX/XX/year> called on XX/XX/year> payment inquiry stated did not receive it they started a investigationXXXX investigation completed unable to locate payment .I stopped payment on XX/XX/XXXXcost XXXX dollars.made payment online on XX/XX/year> .they tried to cash the check on XX/XX/year>. when I made the payment on XX/XX/year> the check was not there.tried multiple times to collect the XXXX dollar payment but was denied.company Apple Card
Consumer complaint received 2024-03-03
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. (GA)

I am writing to file a formal dispute with TransUnion regarding the inaccurate personal information on my credit report. Despite my repeated attempts to have this information corrected, TransUnion has failed to take any action, which is in direct violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681. 

The inaccurate information on my credit report pertains to the listing of a XXXX XXXX XXXX in XXXX, GA XXXX, and a XXXX XXXX XXXX in XXXX XXXX, NJ XXXX under the name XXXX XXXX. These addresses have no association with my personal information. Additionally, the labeling of " XXXX XXXX '' on my credit report is both defamatory and false. The term " XXXX XXXX '' is defined as someone who spends money on gratifying XXXX impulses or pleasures, which is completely inaccurate and damaging to my character. 

I have made multiple attempts to dispute this information with TransUnion, but they have consistently ignored my requests and failed to take appropriate action. This negligent behavior is unacceptable, and I am seeking a resolution under the FCRA. 

According to FCRA 15 U.S.C. 623, consumers have the right to dispute inaccurate information on their credit reports, and credit reporting agencies such as TransUnion are required to conduct a reasonable investigation into these disputes. Furthermore, under section 616 [ 15 U.S.C. 1681n ], credit reporting agencies can be held accountable for willful non-compliance with the FCRA. 

I am requesting that the Consumer Financial Protection Bureau intervene in this matter and compel TransUnion to correct the inaccurate personal information on my credit report immediately. I also request that appropriate action be taken against TransUnion for their willful non-compliance with the FCRA. 

Enclosed with this letter are copies of documentation supporting my dispute, including proof of my identity and evidence of the inaccuracies on my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

This is in addition to my previous complaints. I have requested for one of my accounts to be closed because of identity theft. The account got compromised and I request for the credit bureaus to delete it from my credit report. The bank already closed it, I just need your help to remove it totally from my credit profile. I have attached the proof and letter that I received from KOHLS themselves regarding this. That account is fraud and was used by the thieves. Please delete this fraud account : KOHLS/CAPONE - XXXX - XX/XX/XXXX. Along with the remaining fraud inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXXXX/XX/XXXX. I have attached here my FTC reports, IDs, and proof of address.
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/XXXX my dua date, I made my regular credit card payment of {$50.00} to TRUIST Bank, on XX/XX/XXXX, I made an additional Payment of {$100.00} a few days later I checked and my XXXX Payment was {$0.00} since I had made another payment XXXX. XXXX, XXXX, Today I got an email from XXXX mentioning that TRUIST had reported a late payment for XXXX, I immediately I called TRUIST and spoke to an operator I mention the issue and ask to speak to that department< i was told they didn't have a department that I could speak to regarding that issue, the only thing she mentioned was to dispute it which I did
Consumer complaint received 2024-01-23
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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated 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 2023-12-29
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC (GA)

XXXX of this year, an account with Westlake Portfolio Management appeared on my credit report in the amount of over {$8000.00}. 

I have never been the owner of a XXXXXXXX XXXX  XXXX, nor have I signed as a co-signer for anyone. 

Please have this account deleted and removed from my account.
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In early of XX/XX/year> I received offers for a capital one card, which i finally applied for and got approved on XX/XX/XXXX. The offer was still active, and was redeemed through the link sent by capital one. 

Once approved, I contacted Capital One Customer Service, to verify that the bonus offer was linked to my account, to which they said no. I immediately closed the account, and thankfully received my security deposit back. Having Capital One on my credit report is insulting to me because of the lie, and not willing to work on the issue.
Consumer complaint received 2024-10-28
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CA)

On XXXX XXXX for Order # XXXX Item : Over The Sink Dish Rack Color : Black Qty : XXXX Delivery Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX United States The delivery date XX/XX/year> with a picture of an item were on the bottom of another item. By the time received the notification of delivered, got home and did not see anything. The problem with this is because it was not delivered to my apartment unit, but instead left it in the public space with other people 's package. I am attaching a picture were sent to me by the carrier. I have filed with Chime to recover my money, but Chime did not take the appropriate steps to get my money back. I would like to get my money back as a results of neglience by the carrier. 

Below is the exchange with the merchant : Customer : Hello, The delivery is not at my unit and if XXXX is not taking the responsibility then I will file a police report and file a complaint to my bank and XXXX. 

Merchant : Hi XXXX, After reviewing the tracking information via XXXX, we confirmed that the dish rack was delivered to : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, California XXXX We also attached the confirmation of delivery below. If you did not receive the item, we recommend filing a report with your local police for theft. Given the information provided, XXXX is not responsible for the missing delivery. 





If you need any further assistance moving forward, I will be your point of contact for this issue. Please, do not hesitate to reach out to me directly. I have listed my contact information and business hours below. 

Please note that calling back into customer service for this issue instead of me directly can delay my response or any resolutions provided to you. 

You can reach me at XXXX XXXX XXXX XXXX Direct Line : XXXX Email : XXXX Schedule : XXXX XXXX to XXXX XXXX Sunday XXXX to XXXX I look forward to working with you and thank you for your time
Consumer complaint received 2024-02-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (TX)

I requested XXXX XXXX, a Signed contract with my signature and that this alleged charged off account wasn't XXXX with the IRS by the original creditor. Never received anything from them besides a XXXX page billing statement, they never provided the debt validation as requested in the letter I sent to them and I notified them that they were in violation of Federal, State laws and my copyrighted property XXXX XXXX XXXX XXXX and any variation of it was copyrighted and provided them with a copy of it and that it is registered with the XXXX on my XXXX Financial Statement. I've notified the IRS of this alleged account and report this collection agency and the original creditor since it was a charged off account that was written off on there tax return thereby making it illegal to sell an account that has already been reported as a lost to the IRS.
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

Per CFPB complaint XXXX that was previously sent to Chase Bank , I was told i need to wait XXXX weeks before any manual review can be completed for the referral bonus. 

Well today is XX/XX/XXXX. XXXX XXXX was referred on XX/XX/XXXX and applied same day. This means it has now been a full XXXX weeks since his application and approval for the Chase Business Ink card, and I still have not received the XXXX points. 

His zip code is XXXX. I sent him the referral link that he used to apply. Please give me the points as per previous complaint.