davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-18
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am writing in reference to XXXX # XXXX, where I dispute the decision made by Capital One. I accidentally made the reservation on the wrong day and never occupied that room at the referenced hotel. It is not fair for me to pay {$620.00} for a room that I never used, and I am sure that the hotel rented it to another guest. I appreciate your consideration of my situation, and I hope we can come to a favorable resolution for a long-time Capital One customer. 

XXXX XXXX capital one credit card number XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (OH)

On XX/XX/2024 I sent the US Bankruptcy Court house a letter. I received a response letter from them saying they do not report to the credit reporting agencies. So how in the he'll did the credit bureaus verify this Bankruptcy as 100 %. They never did a fair investigation according to 15 USC 1681. And 15 USC 1681 section 603 ( E ) States the term Investigative XXXX Consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The credit reporting agencies violated my given rights under 15 USC 1681. According to 15 USC 1681 section 602 States that I have the right to privacy. Also, according to 15 USC 1681 section 604a section 2 it stares a consumer reporting agency can not furnish an account without my written instructions. Also according to 15 USC 1681 S2A1 a person shall not furnish any information relating to a consumer to any consumers reporting agency if the person know or has reasonable cause to believe that the information is accurate.
Consumer complaint received 2023-07-12
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. (SC)

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) XXXX and TransUnion Credit Bureaus are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX Balance Owed : {$150.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$470.00}.
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Paypal Holdings, Inc (GA)

It has been XXXX years and Venmo has held onto funds. They will not return the funds or release the funds, Venmo has not released funds and will not provide any details as to how to proceed with the steps to release funds XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Rocket Mortgage, LLC (AZ)

I applied for a mortgage loan with Rocket Mortgage on XX/XX/2024. I paid a deposit of {$500.00} on my credit card for future charges : XXXX appraisal. The {$500.00} charge was posted on my credit card on XX/XX/2024. 

After reviewing the excessive loan fees required to obtain the loan, {$5000.00} approx. and the current high-interest rate of 7.99 % I terminated the loan application. This was on XX/XX/2024. 
I terminated the loan in writing and with a phone call to my Rocket loan rep. 

Interestingly enough... After I requested termination the Rocket loan rep advised me he could suddenly reduce my interest rate down to 7.5 % and knock off {$1500.00} of the fees. Rather a bait and switch if you ask me. I terminated anyway ... .I dont approve of these types of lender games. 

I requested my {$500.00} deposit as a credit card refund. There was no appraisal etc ..no services were rendered. 

Rocket Mortgage says I owed them {$200.00} for credit report and credit monitoring services. 

As an additional point : I had also applied for the same loan at the same time with XXXX XXXX, prudently checking out my options. XXXX XXXX did not charge me any fees, nothing for my credit reports nor any other fees. 

Rocket Mortgage had informed me they were only going to issue a credit of {$300.00}, and then they only issued a credit of {$290.00}. I requested copies via email and via phone of the charges and the credit memo for these fees multiple times but have not received any responses. 

They are ripping consumers off... I canceled this loan in a timely fashion. I expect to be refunded my deposit as no services were rendered. As a realtor who has experience in the industry, I know for a fact that an agency can pull a credit report for free or the usual and customary fee charged is {$50.00}... not {$200.00}. 

Do not provide an upfront deposit for a loan, I understand paying for the appraisal fee once the appraisal is in progress ... From my experience, you won't get the deposit money back. 
Thank you
Consumer complaint received 2024-05-18
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I reviewed the consumer report as stated in 15 U.S CODE B '' whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy. ' All but XXXX was representing the correct amount. The malrepresentation of incorrect credit information can be serious I would never leave a card with a balance of XXXX dollars the account has been closed for me.
Consumer complaint received 2023-08-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: United Consumer Finance, Inc. (MA)

In XXXX of XXXX I entered into a retail installment contract with XXXX XXXX XXXX to purchase a vehicle. The vehicle began to break down shortly after. I took it to a mechanic not knowing this voided my lemon law rights. I contacted United consumer finance ( the financing company ) in regards to my truth in lending disclosure of which I never received. I then sent them a letter detailing my rights of rescission, to which they failed to respond or act upon. I made the vehicle available at my residence for a full 30 days and sent a follow up letter stating this right again and requesting a cease and desist. I have not missed one payment until this month. To which I received a text and phone call after their receipt of the cease and desist.
Consumer complaint received 2023-04-28
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. (MD)

I would like to dispute an inquiry on my credit report, as I have no affiliation with the creditor in question and did not authorize any inquiry into my credit. Please investigate this matter and take immediate action to remove the inquiry from my credit report as soon as possible
Consumer complaint received 2024-05-18
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: SOFI TECHNOLOGIES, INC. (FL)

XX/XX/XXXX I checked into XXXX XXXX XXXX XXXX and made a {$100.00} deposit with my Sofi debit card. In the last 5 years I have stayed in casino hotel 's hundreds of times and I also know XXXX pretty well. I know from experience and saying that I know that if the charge is pushed back in the same amount then the hold on the deposit can last up to 30 days. Therefore I ALWAYS have room charges and upon checking out I always go to the front desk and ask for a reciept. 

When I ask for the reciept the frontdesk always pushes back the remaining funds. This is what happened and states very clearly on the reciept that my card was sent back {$71.00}. Being a prepaid account and under industry standard and prepaid account rules the bank is not allowed to keep a hold on these funds as the credited amount went back instantly just as did the funds leave the account. The hotel is still allowed a chargeback after such credit anyways. 

The whole point is that I've had several accounts in the past and before I could even make it to my car the money is always back in my account. I have reciept showing the money was sent back.. 

I have chatted twice with support and both times I was rudely cut off and given some bs excuse why the money wasn't back. These customer service agents are a wall for these companies and they will tell you the there are no supervisors. I shouldn't have to do this or even right these complaints but it's now the governments job to play customer service agents for these companies that exporting jobs from the US to overseas and the government has to pick up the slack and that's wrong. 

The {$71.00} should be in my account immediately so I can open accounts elsewhere and close this one. 

I also have disputes with several transactions with them as well that are past the 10 day limit without a credit to my account or an email with explaination.
Consumer complaint received 2024-01-14
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. (GA)

There is an account listed as XXXX on my credit report that does not belong to me. It is violating my consumer right to accurate reporting. Equifax is the only bureau reporting this unknown account. In addition the information listed on the account does not match my address or personal identifying information. Ive asked Equifax to validate the account by providing documentation for which that have not. Ive filed a FTC claim in XX/XX/XXXX that the company ignored. In addition, I filed a police report in XXXX ( attached ) regarding fraud and accounts that do not belong to me being on my report. In a currently open claim regarding a vehicle company ( carmax ) that was also included in the FTC report and police report.
Consumer complaint received 2024-01-14
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: EQUIFAX, INC. (AZ)

On XX/XX/2023, I made several disputes to the three major credit reporting agencies, through the CFPB, notifying them of inaccurate information reporting on my consumer report ( Credit Profile ). At that time I included screenshots of the inaccurate information and requested that the items be promptly REMOVED due to the inaccurate information. I also notified the reporting agencies that, at the time, this was my third time notifying them of inaccurate information and also unverified and incorrect information.
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SOFI TECHNOLOGIES, INC. (FL)

I opened a new account the First of XX/XX/scrub>XXXX XXXX. I set up direct deposit on XXXX XXXX XXXX I was supposed to receive a bonus of {$300.00} for direct deposit over {$5000.00} ( welcome bonus promotion ). 
I did not get any welcome bonus. 
I chated online and also called them but they never did the necessary.
Consumer complaint received 2023-05-16
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. (TX)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-02
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: Tower Loan of Mississippi, Inc. (MO)

On XX/XX/year> I went into XXXX XXXX XXXX in XXXX, XXXX  and spoke to a representative about possibly getting a small payday loan, but they told me they only do loan amounts over {$XXXX}. At that point I told the representative that I was no longer interested and left the store. The employee had asked for my ID, but eventually gave it back once I said I was not interested any longer. I NEVER GAVE THEM PERMISSION TO PULL MY CREDIT ( SOFT OR HARD ) nor did they tell me they were going to do this. I had received an email saying there was a new hard inquiry pull on my XXXX XXXX and when I called XXXX XXXX  to ask why they did this, the XXXX told me she wasn't quite sure why they pulled my credit, and I would have to dispute it through the credit bureaus, in order for it to be taken off my record.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Acct # XXXXXXXX XXXX XXXX  XXXX Acct # XXXX XXXX card acct # XXXX I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! 
Your company is in violation of the FCRA and Metro2 Compliance and reporting violation. 
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( 1 ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On ( XXXX XXXX Account ) XXXX XXXX XXXX- XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX ( XXXX XXXX XXXX Acct XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/120 XX/XX/150 ) ) you reported transactions from account # to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( 1 ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to 69 a consumer report is Clear violation of Metro2 compliance! Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the late payment transactions deleted from my consumer reports effective immediately. Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so don't respond telling me that to waste my time. 
Further more 15 USC 1666b ( a )
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Army and Air Force Exchange Service (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-06-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (WI)

I never consented to the release of my medical information to this debt collector. Because the medical account contains private information, it should not be reported on this account because you are infringing on my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.
Consumer complaint received 2024-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (NY)

I tried calling XXXX XXXX to find out what the collection for {$1000.00} on my credit report is but have been unsuccessful in getting the information. The debt is ruining my credit and I have no knowledge of what it is for. The number is automated and I cant get a live person to answer and help me.
Consumer complaint received 2024-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (AZ)

THE COMPANY IS CURRENTLY REPORTING AS COLLECTION IN MY CREDIT REPORT FOR A DEBT I DO NOT RECONGNIZED. THE COMPANY FAILS TO VALIDATE THE DEBT AS I REQUESTED. I COPY OF A BILL FROM THE CREDITOR ALONE DO NOT MEET THE STANDARD VERIFICATION OF THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ). IF YOU CAN NOT PROVIDE THE DOCUMENTS I REQUESTED IN THE ATTACHED LETTER YOU MUST DELETE THIS FROM YOUR RECORD AND FROM MY CREDIT REPORT IMMEDIATELY.
Consumer complaint received 2016-09-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (FL)

Approximately 4 months after purchase a new home and receiving a first mortgage loan, I attempted to " recast '' my monthly mortgage payment by making a large payment of principle ( {$60000.00} ) and a recast fee ( {$300.00} ) in accordance with my loan documents. The recast request along with my payments were made on XXXX/XXXX/16. The recast has not been processed to date despite my numerous inquiries. Now the mortgage has been assigned to another servicer on short notice ( approximately 15 days ), again without any acknowledgment of the recast being completed. In calling the current ( and soon to be former ) servicer I have been given a variety of excuses and promises on the progress of the recast. Being able to recast the loan and adjust my monthly payments without a prepayment penalty ( once my prior home sold ) was part of the inducement in doing this loan and the failure to do so appears to be a material misrepresentation.
Consumer complaint received 2024-05-30
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Todd, Bremer & Lawson, Inc. (FL)

I settled a {$5000.00} balance on an account with Toddd Bremer and Lawson, and following the settlement of this account, they informed me they would not provide any documentation from their firm reflecting this collection.
Consumer complaint received 2024-11-15
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. (SC)

I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2016-08-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MA)

I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Consumer complaint received 2024-01-14
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. (FL)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.