davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-15
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (OR)

I called to inquire about a charge that I didn't recognize on my Capital One MasterCard on XX/XX/XXXX. I was told that they would have to deactivate the card to proceed with fraud report. I told the customer service person not to deactivate the card and I would proceed with the fraud complaint when I got home ( I use the card for work travel ). They acknowledged that they would wait with the fraud and I thanked them. 

I attempted to use the card on XX/XX/XXXX and it was declined. They had deactivated it. I called Capital One on XX/XX/XXXX to ask what was wrong with the card. I was told that it was deactivated. After a lengthy conversation I was informed that a new card was being mailed to me. On XX/XX/XXXX I called to ask where the card was. I was informed that it was never mailed. 

I am writing to ask if I have any recourse as they charge me to have their card, use their card, yet I am paying for a card service and a that they don't seem to be able to provide me.
Consumer complaint received 2023-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hi opened a Venture X credit card with Capital One, which is supposed to be their top of the line credit card with the best customer service. However, I have found that Capital One uses these large welcome bonuses and high annual fees in a predatory manner. 

If I spent XXXX in the first 3 months of having the card, I was supposed to receive a XXXX miles welcome bonus. However, at XXXX spent ( conveniently for Capital One ), I was told that my account was restricted and that my income needed to be verified. I was told that I needed to provide 3 months of consecutive bank statements. At first, I was told that I couldn't send in statements from a Capital One bank account, which is absolutely absurd. I had to escalate to a supervisor to be allowed to use my Capital One bank statements. I was also told that I could only send in this bank 's statements, which led me to assume that they were just checking if I had enough to make the payment at the time ( around XXXX ). At no point was I told that I had to prove that the income amount that I had put on the application in this exercise. 

When I heard back that my account was being closed, I was very confused. I talked to several representatives who all gave me slightly different answers. At this point, it was obvious that Capital One cared only to do the bare minimum for customers. I finally reached a representative that realizes that I would actually be able to prove my income if given the chance to provide additional documents from other banks. She put in a referral to reopen the case, which was then denied. Following the denial, I talked to a representative who could not tell me why the case was unable to be reopened, given that I was not told to provide all sources of income ( and that I had documents to prove my income ). 

I have spent XXXX dollars which I could have spent on a different card to earn rewards, yet I was scammed by Capital One right before I received my welcome bonus. I have multiple sources of income, including base salary, stock options, and sign on bonuses. I am willing to prove that the number I put on the application is correct. In addition, credit pulls were made to my identity for this account that was involuntary closed within a month. 

Upon reading online, I have also seen that other customers have faced similar scenarios where they had their accounts suspiciously closed right before or shortly after they were owed the welcome bonus miles. In these situations, Capital One never had to provide monetary compensation for these rewards, which is predatory to the customer. A class action lawsuit may be appropriate in this situation.
Consumer complaint received 2024-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Best Service Co.,Inc (TX)

I am writing to highlight a concerning issue regarding my credit file. I have noticed a collection entry from your agency, which has grabbed my attention as I was not previously informed about this collection. Moreover, I have significant doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate actions to resolve this matter.
Consumer complaint received 2018-12-26
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. (FL)

I am a victim of identity theft and the criminals tampered with a new car loan that I started with XXXX XXXX in XX/XX/2018 by stealing my mail and other documents that were set up between XXXX XXXX the car dealership where I purchased the vehicle from. Also, he or she called into XXXX XXXX and changed personal information of mine such as my mailing address associated to my auto loan. 
In addition to the identity theft crime ; checks that were placed in my mailbox were stolen from my outbound route and were cashed from an unknown third party which the back is investigating and has credited me the funds. In result to that, I have received 30-59 Days Late days late on my credit profile for XX/XX/2018 and XX/XX/2018. 
I've contacted XXXX XXXX  via phone and certified mail providing my explanation of the identity theft, XXXX XXXX Police report, United States Postal Police Identity Theft Report, and FTC report about this matter and was instructed there is no way to fix the inaccurate information that was reported to the Credit Bureaus
Consumer complaint received 2024-04-18
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. (TX)

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.

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 2023-09-25
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

Genesis credit management Placed my personal information to the public with out my Consent or knowledge I request this be taking off my credit report I did not give permission nor did I agree.

I would like to see any suppose agreement they may produce. I have not given consent to share with XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (OR)

Company representative baited and switched me into a negative amortizing loan from a standard mortgage with better terms. 
Company force placed unnecessary insurance on me, deducting the premium from my mortgage payment and accelerated after 3 months without providing cure notices or any other notice to me. 
Company directed all my following payments into I black hole escrow account from which my funds were never recovered or directed to mortgage. 
Company denied me court orders " XXXXXXXX XXXX XXXX '' loan modification from pick-a-pay settlement by constantly requesting " current document '' over and over, claiming the previous documents were now out of date, again and again. 
Company claims footing to service my loan on faulty documents. 
Attached is a forensic analysis of the foundational document Wells provided in court to establish their footing to move against me in court and service my loan. The conveyance document is clearly fake.
Consumer complaint received 2023-09-14
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-04-22
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. (TX)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Dismissed Date Filed/Reported XX/XX/XXXXReference # XXXX XXXX XXXX  XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Dismissed Date Filed/Reported XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-04-18
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: EQUIFAX, INC. (LA)

I recently received a copy of my XXXX bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX Balance : {$500.00}
Consumer complaint received 2023-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have made a couple purchases with the Bank of America travel rewards that supposedly qualified for the " XXXX '', but were never redeemed. After several attempts to contact the bank for payout, they have repeatedly denied. 

The first one was a brake purchase made from XXXX XXXX totaling {$450.00} on XX/XX/2023. The selected XXXX should have given me {$41.00} back on the purchase. I complied with the requirements that were setforth by Bank of America, however because XXXX XXXX was recently purchased by XXXX ( this is publicly available information ), the credit card transaction showed up under XXXX. I still have the receipt for the purchase, and despite at least 5 calls in to Bank of America, they denied my claim and did not even give me a chance to send them the evidence that I qualified for the deal even though I asked them directly for an email address to send the receipt to. 

The second purchase was a XXXX subscription that I made through my XXXX device. I should have received {$16.00} back on this transaction. Similar to the XXXX issue, the transaction showed up as XXXX on behalf of XXXX. Bank of America also denied this claim because I made the purchase " through my XXXX device '', even though it was directly in the merchant 's XXXX XXXX app. 

In both situations, I qualified and complied with the terms and conditions of the XXXX  to the best of my knowledge and ability. Neither purchase would have been made had I known that I would not receive the total {$57.00} discount. XXXX are quite clearly misleading to consumers and the bank needs to be doing a better job with honoring them or at least taking a little more effort in getting them resolved.
Consumer complaint received 2023-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (OH)

Just a heads up my account is XXXX and I am currently in the process of potential getting a lawyer. I have also complained to student loan omsbudman as well as the CFPB. I am currently awaiting for a call back and here is the issue This is with regard to student loans. After I graduated from XXXX University in XXXX I have paid the loan from XX/XX/XXXX as to which during my exit I applied for the extended fixed payment plan. Up until the covid pause XXXX. I applied for the student borrower defense act against XXXX XX/XX/XXXX. I went to XXXX XXXX XXXX XXXX university for the duration of my student loans. On XX/XX/XXXX I saw a bill for XXXX dollars and some odd change. I called ED financial and it took two hours to get ahold of them. The woman that I spoke with told me that I had not made any payments on my loan. She told me that the prior payments were inaccurate based on any of the plans and in order to reduce my payment I would have to switch the loan to a graduated plan. Which accrues XXXX extra in interest after 25 years. I then called my father because I am not paying over XXXX on my loans. My father agreed that he could help me pay it in full and I would pay him XXXX a month until it was paid off. The next day my account was not showing it stated that there was not information on the account. On XX/XX/XXXX I called again and was told my loans were in forebearnace due to the borrower defense act the only loan covered is the XXXX under that. I called again on the XXXX to say I wanted to pay off the loan by XXXX. I was told to call the borrower defense hotline to get it taken out of forebearance. I called the hotline they told me edfinancial would have to take it out of forebearance. I called the student aid hotline and submitted a complaint, and called again a couple of times every time getting told I would have to file a complaint or call edfinancial. I do not want anymore interest accruing and I do not want to deal with this student loan financial service any longer. People have blown up edfinancial on their XXXX reviews, XXXX, XXXX  etc. about XXXX XXXX XXXX XXXX XXXX not being able to get a hold of them. missing payments, double payments. etc. As a borrower I should be able to pay off my debt whenever I please regardless. I am awaiting another call from them today which takes 2-8 hours to once again see what can be done.
Consumer complaint received 2021-12-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

The accounts Midland Credit Management is attempting to collect on were opened fraudulently. They refuse to accept that fact and work toward a solution. To continuously call and reopen collection attempts. Ive disputed the accounts numerous times through credit bureaus to no avail. They are attempting to collect on accounts they are not mine.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

PLEASE BLOCKED AND REMOVED. 
I respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming my claim.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

in accordance with the fair reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX has violated my rights.15 usc 1681section 602 a : states i have a right to privacy 15usc 1681 section 604 a section 2 : states a Consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-06-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (NY)

Santander recently involved in a class action lawsuit. As a result, there was judgement that was passed down basically stated that any derogatory associated with those companies as far as the repossession goes has to remove that off the consumer report. Due to missing information being reported. They are also in violation of the UCC code. As a result my account was involved in that class action lawsuit and would like it deleted off of my report before I take matters into my hands a step further.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mercedes Benz Financial Services (CA)

In Accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2024-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCF Intermediate Holdings LLC (WA)

XXXX XXXX XXXX are damaging my credit by using fraudulent documents with a copied signature and typed-in date. Despite settling and closing my account with Speedy Cash in XXXX, they are now illegally reapplying a negative post in XXXX as an updated contract.
Consumer complaint received 2024-04-18
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. (UT)

I disputed a fraudulent placement on my credit report and today I was notified by Equifax that the furnisher provided proof of this inaccurate placement on my credit report. Equifax failed to provide me the furnishers name and address to dispute this frivolous report. Pursuant to 15 USC 1681b this information was not given or written to use my information for any purpose. Pursuant under 15 USC 1681q Equifax is knowingly obtaining false information under false pretense. Under 15 USC 1681o civil liability for negligent noncompliance. I request under 15 USC 1681d ( 3 ). This information was obtained under false verification from both parties. I also have unauthorized inquires on my credit report that weren't authorized by me. The unauthorized hard inquiries may also constitute violations of 15 U.S.C. 1681 ( b ) ( c ), which outlines the duties of consumer reporting agencies regarding the accuracy of consumer information, as well as 18 U.S.C. 242, which prohibits deprivation of rights under color of law. Child support obligations have been inaccurately included in my credit history. As per 15 U.S.C. 1681 ( e ), child support obligations do not belong on my credit report, as they are not considered debts owed to creditors. Therefore, I am formally disputing the inclusion of child support obligations on my credit reports and request their immediate removal.
Consumer complaint received 2023-10-29
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: EQUIFAX, INC. (GA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of inquiry XX/XX/2022, XXXX XXXX Date of inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX XXXX  Date of Inquiry XX/XX/2022 & XXXX  Date of Inquiry XX/XX/2022
Consumer complaint received 2023-10-31
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. (NJ)

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 U.S.C 1681. 
Account Name... XXXX XXXX XXXX... Account # XXXX ... Account Name.. XXXX XXXX XXXX. XXXXXXXX XXXX Account Name XXXX XXXX XXXX ... Account Name... 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 an 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..