davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-02
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: EQUIFAX, INC. (NC)

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX Balance XXXX {$3400.00}, XXXX XXXX  XXXX Balance : {$1100.00}, XXXX XXXXBalance : {$0.00}, XXXX  XXXX XXXX Balance : {$740.00}, XXXX, XXXX  XXXX Balance : {$200.00}, XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX Balance : {$820.00}, XXXX XX/XX/2021
Consumer complaint received 2024-06-12
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. (NY)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2023-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I deposited my husband payroll in the capital one account. My husband is a XXXX  and his last paycheck of the year is always a live check. I deposited it on XX/XX/15, thinking since it is a payroll check that it would be released that day. Instead the placed a 8 day hold. I call to ask why my husbands payroll check was placed on that kind of hold. They said that there were concerns about the check????? What concerns, my husband is joint on the account, he signed the back of the check, and he has been employed there for 15 year. Again, told me that they would not be able to release because of concern in regards to the check. However, he was unable to tell me the concerns or anything other than he is unable to release the check because of some concerns. He also hung up on me when I was asking about the COD. This is ridiculous why are they always trying to not give me any of the funds that I deposited and the customer service is a joke! That can not help with anything at all and always tow the company line.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-01-12
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. (NJ)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (NC)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2024-01-12
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. (FL)

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 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 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I am a holder of both the Venture and Venture X credit cards by Capital One. I am unable to access my credit card transactions online or use the travel portal for the last 2 months despite having an active account. 

I have made numerous calls with Capital One customer support and been passed around to many different teams across Capital One but have not received a resolution. I have had a total of XXXX hours of phone calls with Capital One over the past 30 days. I pay {$490.00} worth of annual fees for both travel credit cards but am unable to use any of the travel benefits. 

Capital One has failed to provide any estimated time of resolution nor can they enable me to book travel using their travel agents. I was told that I am welcome to quit my bank without any refund of credit card fees or miles.
Consumer complaint received 2024-06-10
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score Dept of EducationXXXX XXXX XXXX XXXX - {$8200.00} / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX / XXXX XXXX  XXXX XXXX Has continued to violated my rights Dept of EducationXXXX XXXX XXXX XXXX - {$8200.00} / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX  XXXX XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, Please Provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-05-22
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. (TX)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had late payments on an account that I in fact paid on time. I also requested the original signed contract and a itemized bill and I was not provided that information the consumer reporting agencies are required to report all information with complete accuracy I am now requesting you to investigate and show verifiable proof with records that show ive had late payments and if I owe this company if this information cant be verified Im demanding you to take this information off my credit report as closed thank you for your understanding and prompt actions
Consumer complaint received 2024-02-26
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: OneMain Finance Corporation (NJ)

This company has been not forthright with what was offered to begin, with my outstanding amount always changes to a higher amount, without reason. I've asked for things in writing to show me exactly where I stand I have not received. They have been aggressive and harassing that had stopped, and now I get a phone call saying my XXXX payment was missed which it was not. I can show that it was paid. I got a letter that it was late. They keep every month calling when my payment is never late. We have asked to change the due date so that the phone calls won't happen and they refuse. They started calling from different location numbers because I have the harassing and aggressive numbers blocked. I have missed XXXX payment so I do not understand the issue with this company and my account.
Consumer complaint received 2024-04-04
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. (IL)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2024-02-09
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: BARCLAYS BANK DELAWARE (FL)

I made a purchase on the internet website that later turned out to be a fraudulent site. It was a purchase for some bags and the bags were never delivered to me, so I proceeded to dispute the charge of {$75.00} which I made on XX/XX/2023 from a merchant called XXXX but the website was called XXXX  Prior to submitting a dispute with the Barclays Bank I tried to resolve it with the merchant via emails, which never went anywhere and the issue was never resolved. I submitted all the proof of correspondence between me and the merchant including images from the site that it doesn't even exist anymore, yet the Barclays Bank sited with this fraudulent merchant instead me the consumer and failed to protect me from internet scams. I am asking for your assistance and resolving this issue with the bank, that failed to protect me.
Consumer complaint received 2023-10-05
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: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MA)

This complaint is an addendum to complaint # XXXX with additional new information. 

Since filing the previous complaint I received a postcard in the mail from Equifax indicating the death notice was finally placed on my wife 's account as requested, however, since then, I have also received no less than 4 canned form letters from this pathetic company requesting in order to add the death notice I would yet again have to submit the same information I have already submitted to them. As one can see, dealing with this disgusting company is like dealing with a tree stump. As they continue to outsource their customer service to XXXX foreign untrained scriptreaders this is what consumers must put up with, IS THE DEATH NOTICE ADDED TO MY WIFE 'S REPORT OR NOT??? HAS THE OTHER TWO CREDIT REPORTING AGENCIES BEEN NOTIFIED OR NOT??? What is it going to take to get a straight, accurate reasonable response from these clowns??? And when is the CFPB going to take action against them so as to prevent other consumers from having to deal with such gross irresponsible behavior from a credit reporting agency?
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (TX)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it aslo states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Subject : Complaint Regarding Mishandling of Credit Card Payment - Reference : XXXX XX/XX/2024 Capital One Customer Service Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Dear Sir/Madam, I am writing to file a formal complaint under the provisions of the Consumer Financial Protection Act ( CFPA ), specifically under 15 USC 1666b, regarding the mishandling of my credit card payment account with reference to Section 1637b. 

My name is XXXX XXXX, and I am an account holder with Capital One, with the account number XXXX. 

On XX/XX/XXXX, I made a payment towards my credit card account well within the designated billing cycle and in accordance with the terms outlined in Section 1637b of the CFPA. However, despite the clear provisions of the law stipulating that creditors must not treat a payment as late unless certain conditions are met, I have noticed discrepancies in the handling of my payment by Capital One. 

It has come to my attention that Capital One has inaccurately processed my payment, marking it as late and subsequently applying late fees and penalties to my account. This action is in direct violation of the CFPA, which clearly mandates that creditors must adhere to the timelines and procedures outlined in Section 1637b before considering a payment late. 

According to the law, creditors such as Capital One are required to provide consumers with clear and timely information regarding payment due dates, as well as any changes or updates to these dates. Furthermore, creditors must allow a minimum of 21 days from the date of sending such information before treating a payment as late. 

In light of these violations, I demand that Capital One rectify the erroneous late fees and penalties applied to my account and take immediate steps to ensure compliance with the provisions of the CFPA moving forward. Additionally, I request a thorough investigation into this matter to prevent similar occurrences in the future and to provide me with a detailed explanation of the steps taken to address this issue. 

Failure to address this matter promptly and adequately will leave me with no choice but to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action as necessary to protect my rights as a consumer. 

I trust that Capital One will take the necessary steps to resolve this matter expediently and restore confidence in its adherence to consumer protection laws. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-12
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. (NV)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Consumer complaint received 2024-05-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX was a previous request for the UNAUTHORIZED INQUIRY on my report and was removed and NOW, they are showing UP again on my REPORT!!! Capital ONE XXXX is an UNAUTHORIZED INQUIRY. REMOVE IMMEDIATELY.
Consumer complaint received 2024-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX I went to an ATM to withdraw {$800.00} from my account. The machine malfunctioned and did not dispense my cash. I immediately called the bank and was told they could see the error and the money would be put back in my account on XXXX XXXX since this was a holiday weekend. A claim had been opened since XXXX and I have spoken with multiple people and have been told it has been escalated but I have to wait until XX/XX/XXXX. I have also been told they can see that the ATM was over by {$800.00} but there is nothing else they can do for me. I have been overdrawn on my account due to this
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (LA)

There are several inaccurate accounts on my credit report that I have tried to address with the actual creditor, collection agency, and credit bureau they have ALL failed to provide me with the requested information. I am now seeking to summon them ALL to small claims court to assist with rectifying the situation. I have asked them numerous times and they have ALL stated that they have verified this account belongs to me without providing proof as requested. This is causing me great stress and if this is not fixed asap, I will be suing ALL.
Consumer complaint received 2021-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (UNITED STATES MINOR OUTLYING ISLANDS)

on date XXXX i received a validation responce letter from company midland credit management. further due in letter they have not shown actual proof of me owing this debt. i requested proof of contract of my own signature and it was not provided. also this company has violated multiple of my consumer rights! they have violated 15 usc 1692 ( c ) ( d ). which as you should already know ... communication with the consumer generally without the prior consent of the consumer given directly to the debt collection or the express permission of a court of competent jurisdiction a debt collector may not communicate with consumer in connection with the collection of ANY DEBT. Also harrassment and abuse to keep reporting to the credit reporting agencies. Which they are in violation once again ( 15 usc 1692d )
Consumer complaint received 2021-05-24
Product: Credit card or 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)

Monday XX/XX/2021 : I called American Express after being locked out of my account and was told my account was permanently closed ( several times within the conversation ) and that a check would be mailed to me. There was " nothing I could do aside from writing a letter to '' the P.O. Box. I requested this information in writing and the representative hung up on me. This was after nearly {$11000.00} XXXX {$9300.00} XXXX of it were government funds. The other deposits were from direct deposits from projects. 

Wednesday  XX/XX/XXXX : I'm told that I need to contact a bank and have them write a letter of indemnity and send it directly to American Express. I asked them which bank and they said they couldn't give me the information. I asked -again- for a letter to be sent to me stating all of this. 

This happened early in the month so I received returned payments from my credit card, phone bill, and WiFi providers each charging a fee of $ XXXX. My rent check bounced. Had to change my direct deposits from previous gigs ; a nightmare I tell you!! 

Friday XX/XX/2021 I received an email about fraudulent activity that I was thought to myself " a permanently closed account can not have failed transactions '' so I called American Express and even going through notes, the representative on the phone was super confused and began an internal review of my account. 

Monday XX/XX/2021 : I receive an email about my account being back to normal.