davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One is reporting inaccurate information to the credit bureau which is ultimately dropping my score. I made a settlement agreement for {$150.00} with the monthly payment being {$26.00}. My first payment plan was due XX/XX/XXXX and my second payment was made XX/XX/XXXX. My third payment XX/XX/XXXX fourth XXXX XX/XX/XXXX, which total {$100.00} With the settlement agreement being {$150.00} which means I have a balance of {$52.00}. 
Capital One last reported on my credit XX/XX/XXXX reporting a balance of {$230.00} which is inaccurate. This account was deemed closed and charged off. If it's closed and charged off why are they still charging me? This account has been closed since XX/XX/XXXX. XX/XX/XXXX again this account decreased my balance by making inaccurate comments to my credit score that are untrue and its a violation of my Consumer rights. I would like this company to remove all late payments and all in accurate information as well as remove the charge off bad debt as a settlement paid. I would like this settled and the {$52.00} clearled due to damages and false reporting that led to loss of credit.
Consumer complaint received 2024-07-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ALLY FINANCIAL INC. (CO)

XX/XX/XXXX Ally credit card. They put a hold on my card so I called and was transferred to LP they said it was possible fraudulent charges and I told them I made the charges on cash app and he said we just wanted to make sure it was you and we will remove the hold. He never entered any information on my account and did not remove the hold. I call back on XX/XX/XXXX and transferred to XXXX again and they said my card was not supposed to be allowed by there company to use on cash app and they dont know why it was but that its considered a cash advance and not to use it on cash app again. They then removed the hold. I literally used it the first time I activated it on cash app and had not gotten any fees or holds on the card. I never signed anything saying cash app is a cash advance and was never told it was a fee by anyone and there isnt any faq about cash app or anything stating cash app on the contract or anywhere connected with Ally bank and credit cards. I escalated it to a XXXX and they continue to tell me there system automatically charges cash advance fees and refuse to remove the {$20.00} fee they charged my account when it was literally placed onto my account manually because there is not any fees for cash app purchase on the first one made on my account. They also claim not to have to name specifically cash app as a cash advance because their system does that automatically but doesnt with cash app because the purchase shows as a purchase on their system and not a cash advance.
Consumer complaint received 2024-07-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (NC)

This company IC Systems INC has called me and my family members over 10 times in a day. threatening to suit me and destroy my credit and has even went as far as telling my mom my personal medical history. i have never sign any contract with this company or never have made any agreement its causing me sleepless nights and more health problems. According to HIPPA law HIPAA and Medical Privacy Statutes and the penalty provisions of the ARRA section D, privacy provisions, the penalty rules of the HITECH Act as issued XX/XX/XXXX and the Omnibus Final Rule effective XX/XX/XXXX and the FACT Act final rules effective XX/XX/XXXX are in effect in this situation. 
The Privacy Rules prohibits a covered entity from using or disclosing an individuals protected health information ( PHI ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules. 
I am requesting you promptly rescind all such account information furnished to IC Systems and require them to purge their records of all reference to this account, and that you insure that any and all reporting of this account is immediately deleted from my credit reports. 
You are also advised that you may be in violation of the Notice of Proposed Procedures for Charitable Hospitals to Correct and Disclose Failures to Meet Section 501 ( r ) of the Affordable Care Act.
Consumer complaint received 2024-07-07
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 (NJ)

I recently while checking my credit reports notice that Capital One and XXXX were reporting late payment in which I was never late. Im very aware of metro 2 compliance and take my credit very serious. I have been damaged by these credit card companies reporting me late.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EdFinancial Services (MI)

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 with my written instructions
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

In XXXX of XXXX my capital one credit card was closed. Since then this company has reported my card closed and paid for the last 9 months. Now all of a sudden after being reported as closed and paid on time prior to that, it has reported that I have missed payments in XXXX and XXXX of XXXX. There is no reason it has not continued to report as closed or stopped reporting.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent accounts that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, this fraudulent accounts remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. 
I brought these fraudulent accounts to your attention because I was assured that an investigation would be conducted, and the accounts would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The accounts in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of this fraudulent account is not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 

XXXX XXXX and XXXX XXXX Bankruptcy-dismissed Reference : XXXX.
Consumer complaint received 2024-06-23
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)

Complaint Against Equifax for Violations of 15 USC 6802 and 15 USC 1681b Resulting in Unauthorized Accounts, Addresses, and Inquiries Dear Sir/Madam, I am filing a complaint against Equifax for violations of 15 USC 6802 ( Gramm-Leach-Bliley Act ) and 15 USC 1681b ( Fair Credit Reporting Act ), which have resulted in significant harm to my credit report and financial standing. Details of the Violation : Unauthorized Accounts : Several accounts were opened in my name without my knowledge or consent. Unauthorized Addresses : Incorrect and unauthorized addresses were added to my credit report, which do not belong to me. Unauthorized Inquiries : Inquiries from creditors I have no relationship with appeared on my credit report without my authorization. Impact on Me : As a result of these violations, my personal and financial information has been compromised, leading to severe stress and significant financial consequences. This includes difficulty obtaining credit, potential financial losses, and emotional distress caused by identity theft. Actions Taken : I have taken the following actions to address these issues : Filed an identity theft report with the FTC ( Report NumberXXXX ). Submitted disputes with each credit bureau, including Equifax, to remove the unauthorized information. Requested Resolution : I request the following actions to be taken by Equifax : Immediate Deletion : Remove all unauthorized accounts, addresses, and inquiries from my credit report. Investigation : Conduct a thorough investigation into how my personal information was mishandled and ensure corrective actions are implemented. Assurance : Provide assurance that Equifax will comply with 15 USC 6802 and 15 USC 1681b to prevent such incidents in the future. Corrective Actions : Take appropriate actions against the responsible parties to prevent recurrence. I appreciate your prompt attention to this matter and request confirmation of the actions taken to resolve my complaint. Thank you for your assistance.
Consumer complaint received 2024-07-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

In XX/XX/year>, Mohela announced that they would transition their loan servicing system to StudentAid.Gov. 

In XX/XX/year>, I scheduled a XX/XX/year> {$650.00} loan payment and a XX/XX/year> {$650.00} payment on my federal student loans. I requested a formal financial activity report for my prior and scheduled loan payments to ensure that Mohela would keep records of my loan payments during and after the loan system transition. I received a confirmation from Mohela that this process would take 2 weeks to receive. 

In XX/XX/year>, Mohela notified me that my account was transitioning to StudentAid.gov. On XX/XX/year>, approximately 4 weeks after requesting the financial activity report, Mohela notified me that I could access my financial activity report at Mohela.com. When I tried to log in to my Mohela account, I received this notification and couldn't access my account anymore : " System-Platform Transfer Notice Your federally-owned loans serviced by MOHELA have begun to transition to our new loan servicing platform. Your loan information in the phone system and online will be available once the transition of your loans to the new platform is complete. Your loans will still be serviced by MOHELA. 

We will send you a letter once your loans are fully transitioned to introduce you to the new loan servicing platform. If you are enrolled in Paperless correspondence, you will be sent an email that your letter is available on the new loan servicing platform. Check mohela.com/system-transition for more information. '' On XX/XX/year>, {$650.00} was debited from my account for my scheduled loan payment. 

On XX/XX/year>, Mohela notified me that my account transition to StudentAid.gov was complete. I created a StudentAid.Gov account and logged into my account. I noticed that my XX/XX/year> loan payment was not reflected in my account. I called Mohela 's customer service, who noted that they couldn't find my payment in the system. I asked the customer service rep to mark my account with this discrepancy, find the missing payment, and notify me when the update is made. As of XX/XX/year>, that hasn't happened. 

On XX/XX/year>, my checking account was debited {$650.00} for the pre-scheduled loan payment that I set up in XX/XX/year>. I did not receive a confirmation email from Mohela for this payment, and my loan balance is not reflecting this payment. I am continuing to accrue interest on my principal loan balance, as if I did not make {$1300.00} in loan payments. 

I am losing faith in the Department of Education 's ability to effectively process my student loan payments, and I am submitting a formal complaint to reflect this and demand accountability for tracking my ahead-of-schedule and on-time payments. This reflects poorly on our government when a citizen 's money is mishandled.
Consumer complaint received 2024-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (MD)

My checking account with Truist bank was frozen and I file a motion to the district court of Maryland on XX/XX/year> and on XX/XX/year> the district court of granted my motion to release my account but even if I provide my court order the bank still holding my account and I need my account to be released for transactions
Consumer complaint received 2024-07-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have a capital one Venture X card. I rarely used it, and have never used the travel points. Two days ago I was charged a {$390.00} membership fee. My husband is XXXX and has had XXXX XXXX XXXX. I am XXXX and a full time XXXX. There is no way these travel points have any value to us, we only go to the drugstore and back. I called Capital One this morning and asked when I was notified of this membership fee and that they remove it due to the hardship it placed on me. They told me they would get back to me in 7-10 business days. 

I can not pay this outlandish membership fee, I am struggling to buy food for myself and my husband these days.
Consumer complaint received 2024-07-03
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

I am writing to bring to your attention the issue of unauthorized hard inquiry on my credit report. As per the provisions of the Fair Credit Reporting Act, any hard inquiries that were made without my request are eligible for removal from my credit report. 

I kindly request your prompt assistance in removing this unauthorized hard inquiry to restore the accuracy and integrity of my credit report. Your cooperation in resolving this matter expediently would be greatly appreciated.
Consumer complaint received 2024-07-03
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 (IL)

I HAVE SEEKED THE CFPB HELP IN THIS MANNER TWICE WITH THE COMPANY REFUSING ME INFORMATION, AND DOCUMENTATION IM LEGALLY ENTITLED TOO, now that their neglect has become your neglect IDENTIFY THE DISCREPANCY IN BOTH OF YOUR FAILURES TO COMPLY WITH THE LAW I AM READY AND WILLING TO SEEK LEGAL ACTION IMMEDIATELY! 

This account was charged off on the following date [ XXXX, 2023 OF FIRST CHARGE-OFF STATUS ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You FAILED to investigate this account properly and your neglect has violated my rights. I am demanding a deletion with no further collection efforts PERIOD, or XXXX will proceed to follow, with your failure to comply! 

XXXX : [ Account name ] [ Account number ] XXXX : [ Account name ] [ Account number ] XXXX : [ Account name ] [ Account number ]
Consumer complaint received 2019-10-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

Wednesday XX/XX/XXXX, XXXX XXXXXXXX XXXX I attempted to login to my mobile banking app and was told that i had been locked out. 
XXXX XXXX- I went to my bank to see how i could unlock it and why it had been locked. The banker told me that there was fraudulent activity and that I was no longer allowed to bank or have any business there. I asked her what she meant by fraudulent activity to see if there was some kind of mistake. Then she asked me whether i had deposited 4 checks of {$850.00} each into my bank account the previous day. I told her i had no idea where that money had come from and asked her about the checks and she told me they were from a school district I used to attend and that they had been forged with my name printed on both the front and back of the checks. i had proceeded to leave that bank after they kicked me out and told me that there was nothing they could do and that I would get the money that was previously in my savings account within 3-5 business days. 
Thursday XX/XX/XXXX, XXXX XXXX XXXX. I was in a parenting class when i noticed i had gotten an email from XXXX about a scarf i had purchased online, only I never purchased it and it was being sent to XXXX ( I live in XXXX ). 
XXXXXXXX XXXX. I went to talk to the school districts police department ( XXXX PD ) to bring awareness to the checks that were forged under my name and now the new scarf that was bought under my name as well. The detective I spoke to told me that the checks that were deposited into my account were real checks that had been issued out, but not to me. They belonged to another emloyee and somehow were washed and then put my name and information on top of. 
XXXX XXXX After talking to XXXX PD i proceeded to go down to to XXXX XXXX Police Department and then tell them my story. They told me that because no money was stolen no real crime was committed. 
Friday XX/XX/2019 XXXX XXXX. I went to the bank again, this time with my mother to try and get my money and also ask the bank NOT to mail me a check for my money. We talked to a branch manager about my situation and he then called the Loss Prevention team and asked them if there was anyway I could get my money sooner, he never put them on speaker and talked to them privately over the phone and when he hung up he came back to me and my mother and told us that this time it might take up to 7-10 days to get my money from the bank because they are conducting an investegation against me and that that timeline was subject to change and could be even longer.
Consumer complaint received 2024-07-03
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

My complaint is of misleading tactics to charge higher interest on promotional interest balances before the end of the promotional period. 

My account had a promotional interest rate of 0 % that was set to expire on XX/XX/year>. The balance that promotional interest rate applied to was PAID ( payment posted to the account ) on XX/XX/year>. My XX/XX/year> statement then including interest charges totaling {$87.00} based on that promotional amount, despite the balance being paid before the expiration of the promotional period. 

I spoke with a Capital One representative on XX/XX/year> and they repeatedly stated that the company could average the balance for the billing period and charge interest on that, regardless of the fact that the balance was under a promotional percentage rate and paid off before the end of the promotional period. The representative confirmed that the promotional rate did not end until XX/XX/year> and that the promotional balance was paid in full on XX/XX/year>. 

When the representative refused to refund the interest charges to my account, I sent a written request for the same request to the company. The written request was mailed via XXXX on XX/XX/year> via certified mail. It arrived to the company on XX/XX/year>. I have received no response from the company in response to my written request.
Consumer complaint received 2024-07-03
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (AZ)

I noticed a statement charge on my account of {$1.00}. I was curious since I was never notified in writing of the change on my account. The company then proceeded to close my account cause I asked why the charge? I reached out to company to find out why my account was closed. representative could not provide me an answer. Her claim was she assumes it was due to a credit report. I proceeded to ask her then I was supposed to be notified in writing of what triggered the change since I know my score is in the XXXX XXXX  and can not be outside my challenge per statement billing. This is grossly unfair. I was never notified of the change. When I asked was unfairly treated.