davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Case # WIth Capital One XXXX. XXXX charged me {$110.00} on three occasions I need all of the charges refunded back to me immediately. I disputed 2 of the {$110.00} charges weeks ago and haven't heard back from Capital One about it yet. So this morning XXXX  charges me again for another {$110.00} and they should have been blocked and not able to charge me any more after i disputed the last 2 charges. I have not been able to use XXXX XXXX service and asked XXXX to refund me and they have yet to do so and keep charging me. I now had to close my debit card and get a new one, so they have charged me incorrectly for something Im not being able to use ( XXXX store ), this has been going on for weeks and Capital One needs to refund me my money. I dont know why Capital One didnt put a block on the account when I disputed the last two charges of {$110.00} the representative completely dropped the ball there I had to call in again today to block the merchant XXXX I had to get a new card ordered and sent out to me because of the last irresponsibility, refund my money back immediately. This is now almost {$360.00} in question and this is causing me a lot of stress.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

This is my second notice asking the following credit bureaus XXXX, XXXX and Equifax to remove This is my second notice asking the following credit bureaus XXXX, XXXX and Equifax to remove the following account : XXXX XXXX XXXX XXXX XXXX XXXX  account number : XXXX XXXX aka. account number XXXX aka : account number XXXX unsure why one account reports as three different names per consumer report with three different accounts numbers a different one on each report from my consumers report. 
Also remove all late payments attached with a XXXX  account and change the payment status to current because of the Care Act. Under 15USC 1666B this is a billing error always paid on time, this is an error, and this account is in violation of the Care Act. 
Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate. from my consumers report. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Consumer complaint received 2024-06-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (ND)

In order to enter a XXXX XXXX, you have to hire an escrow account manager. On XX/XX/year>, all of our accounts were frozen & XXXX claimed that Captial One Bank did it & is changing our account number. They sent out an email stating that we'd have access to our money on XX/XX/year> although that never happened. Then all their employees disappeared, no one answers the phone or emails & we only get an automated response, now their address appears to be fake. There are XXXX XXXX, transferring, delivering, procedures taking place & none of us have access to our funds. Captial One Bank refuses to tell us if the account even exists or whether they indeed have our money on freeze because we're thinking that our money has been embezzled. We have {$34000.00} in our account & a transfer scheduled Friday without access to any of our funds. The escrow account is XXXX of XXXX in the United States & the average cost of a XXXX XXXX  is between $ XXXX {$300000.00} so they have hundreds of thousands of dollars of people 's money on freeze or missing completely & nobody will talk to us.
Consumer complaint received 2024-06-14
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (TX)

At XXXX on XXXX XXXX XXXX XXXX I spoke with XXXX at Chase about opening the XXXX XXXX XXXX XXXX. She informed me I would be eligible for a special XXXX point signup bonus for the card and additionallyXXXX XXXX XXXX XXXX '' ( points earned towards XXXX XXXX for XXXX XXXX ). She instructed me to apply for the card, then all I needed to do was send a secure message after applying to get the XXXX bonus attached to my card. She added our call notes to another XXXX of my Chase credit cards, the Chase Sapphire Preferred card, so that I could reference them when sending a secure message. She also informed me she would send a written letter to my mailing address confirming my eligibility for the XXXX XXXX She also informed me the call was recorded if we ever needed to reference it. So in XXXX places it says that Chase offered this XXXX point / XXXX XXXX offer to me. 
Well, I applied for the card and as instructed sent a secure message and called several times. But the agents now inform me I'm only eligible for the XXXX bonus points. I relied on the original agent 's multiple assurances that I was eligible for the XXXX XXXX before applying for the card. I would not have applied without that bonus. Yet here I am stuck without the bonus, paying {$520.00} annual fee without any recourse. I am asking Chase to please honor the original XXXX points // XXXX XXXX offer that was CONFIRMED by the original agent. Please review the original notes from my first call. Please review the call recording. Please honor the terms which you told me I was eligible for before applying for the card. This is extremely deceptive and unfair.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

this debt has been canceled and forgiven by XXXX with a 1099c the taxes has been paid the 1099c taxes making this debt paid off canceled and forgiven lvnv funding is reporting a debt that has been canceled and forgiven taxes paid under IRS rules the debt has been cleared there is not debt
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

reporting a canceled forgiven debt that was sold is a violation of the FCRA the account has been canceled by 1099c and sold this account has no debt to report under the IRS rules I WILL KEEP FILING COMPLAINTS ON THIS MATTER UNTIL L YOU FIX THIS YOU CAN NOT REPORT A CANCEL SELL IT THE DEBT IS NO MORE REMOVE AT ONCE I WILL KEEP FILING THIS COMPLAINT EVERY DAY TILL THIS IS DELETED THAT WILL BE 7 COMPLAINTS WEEK
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Credit score was lowered XXXX points from Trans Union despite having consistent on time payments, and no negative remarks. This is the XXXX complaint seeing how CFPB closed the complaint with no resolution. If my credit score is not restored after this attempt, I will be hiring a consumer protection attorney.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I applied for a XXXXXXXX XXXX XXXXXXXX card after pre-approving with them. They denied the request and sent two denial letters, one with an incorrect score and the other with incorrect reasons for an adverse score. Despite the pre-approval they denied my request and refused to provide a denial reason over the phone and then included incorrect information in their denial letters.
Consumer complaint received 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Company Name : Capital One Financial Corporation Product : Capital One Venture X Credit Card Issue : Account Restriction, Excessive Verification Requirements, Deceptive Approval Practices, and Lack of Transparency Complaint Narrative : I applied for and was approved for the Capital One Venture X credit card in XX/XX/year>. Within weeks of using the card, my account was restricted due to alleged fraud concerns. Capital One requested that I submit identification verification, which I promptly did. 

Despite providing the requested identification verification, Capital One has continued to place restrictions on my account for the past 90 days and has repeatedly asked for additional documentation, including multiple forms of income verification and proof of address. I have submitted all requested documentation multiple times, but each time, Capital One introduces new requirements, making it impossible for me to regain full access to my account. 

I have spoken with more than five Capital One representatives, and none of them can provide a reason as to why my account was flagged for fraud or restricted. They all claim to not have any visibility into the reasons behind the restrictions. Additionally, each representative has provided conflicting information about what documentation is required or would be accepted, further exacerbating the issue. 

Capital One has been deceptive in its approval requirements by not stating upfront the many forms and types of identity verification that would be required. They have used 'bait and switch ' tactics to approve me as a Cardholder, accept my {$750.00} annual service fee, but continue to restrict the access to my account. 

I provided multiple months ' worth of income statements, demonstrating income exceeding {$50000.00} in 60 days, yet Capital One insisted that I needed to provide more months ' income statements as well as a statement from each and every bank account that I have. 

Capital One also refused to accept my wireless XXXX XXXX XXXX account bill as address verification, despite my providing multiple bank statements, a utility bill, and driver 's license that all verified my address. 

Capital One had my social security number and copy of my driver 's license, but insisted they needed a physical copy of my social security card. This is an unreasonable and unnecessary requirement. Financial institutions have the technology to verify my social security number without the physical card. Even the Social Security Administration website advises against providing the physical card unnecessarily. 

This ongoing cycle of requests for additional documentation, deceptive practices, and lack of transparency is causing me significant inconvenience and financial hardship. I am unable to use my credit card as intended, and I am concerned that this may negatively impact my credit score.
Consumer complaint received 2024-06-11
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I submitted a request through the CFPB regarding an Am-Ex prepaid gift card I was unable to use at any vendor. I waited months to receive my check and I have yet to. I apologize for missing the feedback window ; I thought the check would be arriving but it's clear that it's not. 

Here is the information of my prior complaint : XXXX
Consumer complaint received 2024-07-30
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

I went to get money off of my Bank of America card, I should have had over {$16000.00} on it. They said someone in Texas used it at an atm and took all the money. I live in XXXX. I have tried for several months and they will just give me a generic, we have multiple factors saying you used the card. They send no proof, only the places where the money came out. They sent a new card to someone in XXXX. I do not live or know anyone that lives in XXXX. Please help me get my money
Consumer complaint received 2024-07-11
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried on numerous times to use transunion.com 's credit freeze option. It does not work, I've tried to follow their instructions on clearing browser history/cache and no matter what browser I use I can't access it. Then when trying to call or chat it takes forever to get through to anyone who can help. I've talked to numerous others who pay for transunions credit monitoring and they have even shown me they have no issues. It seems like transunion is using the old pay to play trick. I shouldn't have to pay to get access to a credit freeze. Especially when my information has been found to be leaked on the most recent breach reported online. I also tried to use their fraud alert option as well but I get the same error the status of your freeze is unavailable at this time please try again later or contact us by chat/phone. Then when you call it goes to a call center overseas, not necessarily the most secure system when foreign nationals have access to my confidential information.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have been unable to access personnel when calling the dedicated toll-free numbers during normal business hours. This has been with XXXX, XXXX and Transunion. During normal business hours, countless calls to the dedicated toll-free numbers received a busy signal or message indicating that I must call back because all representatives are busy. Unreasonable hold time while waiting to speak with personnel during normal business hours. Section 609 ( c ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681g ( c ) ( 1 ) ( B ) XXXX, TRANSUNION, and XXXX are obligated by the FCRA to report accurate accounting. I have advised ALL the hard inquiries reported was fraud, said company had 4 days according to LAW to remove such items. FTC fraud report was filed. I am now requesting ALL XXXX agencies to provide the documentation used to determine inquiry was indeed authorized by me. They have 15 days to provide me with the name of the person spoken to, documentation used, signed application with my wet ink signature, I am not asking for an E-Oscar report. IF XXXX, TRANSUNION, XXXX do not provide documentation to show these were in fact authorized, it MUST be removed ASAP. SAID company 's are liable under the SEC to follow certain rules. I will be filing form 211 Treasury OMB Forms to audit my consumer account. These companies are securitizing my consumer data yet refuse to provide me with a copy of their consumer file, NOT a consumer report. 

XXXX XXXX file number XXXX TRANSUNION XXXX XXXX Number XXXX XXXX XXXX File Number It is also to my attention that XXXXXXXX XXXX  has charged-off a debt owed without provided me with a 1099-C The creditor sent a copy to the IRS. If I don't acknowledge the form and income on your own tax filing, it could raise a red flag. Red flags could result in an audit or having to prove to the IRS later that I didn't owe taxes on that money. Form 1099-C is a federal tax form required by the IRS. Lenders and other creditors must submit a copy to the agency and to taxpayers whenever they cancel or forgive a debt worth {$600.00} or more. Forms must be sent to taxpayers by XXXX XXXX. I have called several time to retrieve the 1099C and I'm being met with being put on hold for long amounts of time then disconnected. I am not sure if my account is flagged when I call but I cant seem to get through.
Consumer complaint received 2024-06-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/year>, I booked a long-term stay at a short-term XXXX rental in XXXX, XXXX, for approximately three months.

The listing indicated that the room would be furnished, because the pictures in the room indicated they would. It also indicated that I would be able to park on-site, as there was a picture of the house next to a gravel lot, a blurb that said " free parking on premises, '' and there was a section on a lease I had to sign that was all about parking and how it was regulated. That would imply there was parking. 

On XX/XX/XXXX, the day I was set to move in, I was notified by the host that parking was on the street, and that I would need a permit from the city in order to not get fined and/or towed. I was never made aware of this previously, and was suggested by the host to park my car in a garage several towns over until I got approved for a temporary permit and then a permanent one. 

When I eventually got there later that day, I was greeted by a room that bore little resemblance to the photos of the room I was promised. It was dirty, dusty, and filled with dilapidated, water-damaged furniture that did not match the photos in the slightest. 

At that point, I left to go back home and canceled the XXXX the following day. I was charged {$1400.00} by the host for the entire month, even though the apartment was nothing as promised, and another {$370.00} by XXXX for what I can only assume is liquidated damages for money they themselves didn't get from the total duration of my stay had I not canceled. 

Also after the fact, the day of and the days after, I tried contacting XXXX for a refund and did not receive any help since I was not in a XXXX  XXXX or natural disaster situation. 

That brings us to the actual issue I am here for. 

I disputed the charges with Chase on XX/XX/XXXX, because I booked the XXXX with their Freedom Unlimited credit card. I submitted all the information and evidence that I submitted here, outlining the grossly misleading XXXX  listing and sent photos of what I got vs what was promised and implied. 

On XX/XX/XXXX, I was told that the smaller XXXX charge for {$370.00} was valid, and only XX/XX/XXXX, I was told the {$1400.00} charge was valid too. In both reports, they made no reference to any of the evidence I provided, completely ignored the disgusting state of my room and the lack of parking ( and its major inconvenience in both time and cost ), and just pointed to the XXXX website 's terms of service and the date I made an account years ago as proof of the charges being valid.
Consumer complaint received 2023-05-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2024-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF HAWAII CORPORATION (HI)

Bank of Hawaii is holding my money XXXX. They are charging me XXXX basis points on {$270000.00} = {$680.00} to release the funds they have collected for real property tax and hazard insurance premium which I should NOT have been charged to begin with because I put down 50 % of the price of the home. 

My credit score is above XXXX and therefore this should not have been charged with the mortgage. 

Please help me with Bank of Hawaii to release the funds they have collected so far.