davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-01
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)

XXXX XXXX, 2024 I was alerted via email from capital one about 2 charges from XXXX XXXX in the amount of {$130.00} and {$90.00} while I was at work until XXXX and then at XXXX XXXX using my capital one card to purchase a new toilet for my home. 
I immediately contacted capital one to report the two fraudulent charges. When asked if I lost my card, I answered No. They told me they would investigate, as I have been a victim of identity theft since XXXX when someone filed taxes under my social security number. In less than XXXX hours, capital one denied my fraud request and said they found no evidence of fraudulent activity. I have never stepped foot in XXXXXXXX XXXX, I went straight to the police station and filed a report about this, in addition to contacting the FTC and filing a report with them, I also contacted credit reporting agencies to report this fraud. I asked capital one to re-open my case, as this was fraud and then proceeded to upload a XXXX page document to capital one showing that they did a terrible job investigating this company. Simply XXXX XXXX XXXX  would show they are practicing without a license from the department of health as it has been revoked. They have endless reports of FRAUDULENT CREDIT CARD charges on XXXXXXXX XXXX. I spent 2 months trying to contact the owner to demand a receipt just to proof to capital one that I was at work with my card on me while they accused ME, their consumer of falsely reporting fraudulent activity of {$220.00}. Capital one came back with the same response, it was me or an authorized user in which I dont have an authorized user. After 2 months of police reports, XXXX XXXX admitted they have no record of my credit card being used there. They could not produce a receipt, nor show cameras in which I was paying for a service. 
Capital One treated me like a criminal for reporting fraud.
Consumer complaint received 2023-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: JPMORGAN CHASE & CO. (AK)

When I closed on my house and signed my mortgage, I agreed to specific terms on what was needed to cancel PMI. 

Once I had paid down the to the agreed upon 80 % of my principal, I reached out to Chase - while I initially received the mortgage from XXXX, it was sold and Chase took over the administration of the loan. Chase sent me the paperwork, I filled it out and sent it in with a check to order an evaluation. They sent the check back with no notice or explanation. After several communications, I finally was able to get someone to tell me that I wasn't eligible to have my PMI cancelled. When my loan was sold, it was packaged as an investment loan and their policy was I needed to pay down to 67 % percent as it was an 'investment property '. 

This is my home and full time residence, which is classified as a duplex. Regardless, these are not the terms I agreed to when I signed my loan. My original terms ( attached ) state that PMI will be cancelled either when I reach 80 % and submit a written request ( which I did ), have good payment terms ( I've never been late and have overpaid every month ), am current on payments ( yes ) and the servicer requests and at my expense indication that the property has not deteriorated ( I send in a check for the XXXX and included expenses I've undertaken to improve the property since purchase ). I've also now reached the date that my loan was originally scheduled to reach 80 %- which was XX/XX/2023 and I'm still paying PMI. 

I've met the original terms to cancel PMI - both by making extra payments and reaching 80 % prior to the original date, and now have reached the scheduled date my PMI was supposed to be cancelled. 

Chase refuses to engage with me, just sending the same canned response each time I make a request. I have no choice in who services my loan, but I agreed to the PMI terms when I signed my loan. This bait and switch is not fair to me the consumer. I agreed to specific terms when I signed my mortgage and Chase has changed those terms with no notice - if I'd been notified, I would have paid my mortgage down to 80 % prior to the sale to avoid all of this.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

In XXXXXXXX XXXX  XXXX my husband and I entered into a debt management plan with XXXX XXXX XXXX. One of the accounts included in the plan was Capital One Credit Card Acct ending in XXXX. In XX/XX/XXXX we received a program payment acceptance letter from Capital One, dated XX/XX/XXXX, lowering our monthly payment to {$75.00} due the XXXX of every month. The letter stated, " You will know the terms of the program have been applied to your account when the APR of 9.9 % is reflected in the Interest ChargXXXX Calculation section of your monthly statement. '' Capital One is reporting that our XX/XX/XXXX payment as 30 days past due. I have disputed this information with Capital One on two separate occasions and have disputed the error to all three credit reporting bureaus twice and Capital One continues to report the inaccurate information which is now impacting our ability to obtain a mortgage loan. 

I have attached the following : 1. The Payment Proposal Acceptance letter from Capital One XXXX. Our XXXX Credit Card statement showing the agreed upon 9.9 % APR but an inaccurate minimum payment amount of {$100.00}. ( Payment due according to agreement was {$75.00} when 9.9 % APR was shown ) 3. Our XXXX Credit Card Statement showing our XX/XX/XXXX payment received on XX/XX/XXXX for {$75.00} Our XX/XX/XXXX payment was made 4 days after the XX/XX/XXXX due date ( not XXXX ) and in-full based on the agreement they entered into with us XX/XX/XXXX.
Consumer complaint received 2023-11-10
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: EQUIFAX, INC. (NY)

I do not want this information to continue affecting me because it is in my report in a negative way. I want it to be reviewed and eliminated now. 



XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I sent out my approved XXXX to XXXX  XXXX for {$990.00} It was recieved by them on XX/XX/XXXX around XXXX am XXXX certified mail. My account was closed due to sending in a payment coupon, they didnt want to accept. I havent heard back from them regarding the XXXX they are continuing to leave the account closed on my end but open on theres incurring interest.
Consumer complaint received 2018-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (ME)

Hunter Warfield XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX Alleged Balance Owed : {$4100.00} Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-04-25
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: SettlementOne Valuation, LLC (CA)

Hello XXXX, I hope all well. I was appalled today when I login into my credit report and saw multiple unauthorized inquirys. Please see below the unauthorized inquirys. 

XXXX - Unauthorized Hard Inquiries Merchants XXXX XXXX XXXX XXXX XXXX. XXXX
Consumer complaint received 2023-01-09
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: Experian Information Solutions Inc. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

We recently called XXXX credit card companies. XXXX XXXX and capital one. These XXXX companies told me that even if I took my name off as an authorized user that it would still show up on my credit. That is incorrect and I would like this to be resolved. I can no longer use the card. Therefore, shouldnt be associated with the debt. I would like this to be taken off my credit report.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (MD)

XXXX of XXXX i closed my credit card with Truist bank, they sent me a credit balance check of XXXX due to a fraud issue XXXX XXXX of XXXX truist put a charge of XXXX on the CLOSED credit card with out notifying me, no mailed statement. i noticed this charge when i checked my bank statement XXXX opened a fraud alert on XX/XX/XXXX was told they would investagate don`t pay at this time.i paid the owed amount XX/XX/XXXX all late fees and were forgiven BUT that they hit my CREDIT report with a LATE pay causing a XXXX drop in my credit score XXXX  years of perfect credit never a late pay and TRUIST pulls this stunt with a CLOSED credit card
Consumer complaint received 2018-08-14
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: Experian Information Solutions Inc. (UT)

XXXX XXXX XXXX is reporting on my credit since 2012 for an item that is NOT mine. I have requested proof multiple times and have been disputing it for months and months with the bureaus and none of them have provided proof that it is mine.

For one the debt is old and past the statute of limitations for 2 it is NOT mine!

Unless they can provide a signed contract by me then it needs to be deleted.

For the bureaus XXXX XXXX IS NOT VALID VERIFICATION!!! Im so tired of these entities being able to do what they want. I need this removed!
Consumer complaint received 2018-08-14
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. (UT)

XXXX XXXX XXXX is reporting on my credit since 2012 for an item that is NOT mine. I have requested proof multiple times and have been disputing it for months and months with the bureaus and none of them have provided proof that it is mine.

For one the debt is old and past the statute of limitations for 2 it is NOT mine!

Unless they can provide a signed contract by me then it needs to be deleted.

For the bureaus XXXX XXXX  IS NOT VALID VERIFICATION!!! Im so tired of these entities being able to do what they want. I need this removed!
Consumer complaint received 2023-04-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I had a case open XXXX. Not sure why it was closed with the response provided back from Bank of America. I had enclosed a copy of my banks ( XXXX XXXX letters in which they sent to Bank of America and Bank of America not responding back. Now my complaint was closed out due to Bank of America stating I need to initiate a claim with XXXX first. This was done 2 years ago and I'm enclosing proof. Bank of America is refusing to respond or pay back the money they owe me.
Consumer complaint received 2024-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On or about XX/XX/XXXX, of XXXX i opened a checking account via telephone with a bank of america agent. I then believe on or about the XXXX XX/XX/XXXX i recieved a debit card issued in my name .Upon recieving my debit card on the XXXX of XX/XX/XXXX i went down the the bank of america branch located in my city of XXXX XXXX Ca . And made a check deposit into the a.t.m that was a third party check. That was a thursday i believe. So i waited for the following monday to check my account to see if the check was cleared. But bank of america blocked my online access. So i then called bank of america and was told to go into the paso branch to get further info as to why i couldnt access my account. So i did so and then told i had to call bank of america because my local branch couldnt access either. So again i did so. And after several attemts i was told that my account was closed because i made a 3rd party check deposit witch went against bofa policies. At this point i still havent recieved any further mail in regards to their policies. Only the debit card at this point, so i wouldnt have know that making a third party check was against their policies. So the check i deposited was my girlfriends monthly alimony of {$2000.00}. So at this point the funds are frozen till further investigation they told me. But instead the XXXX that was deposited being held i was told it has been cashed but now the balance has been reduced to XXXX because of a balance i owed on an account i use to have with them. I have contacted bank of america via my branch and telephone. Me and the person to whom the check was writen out to went into locale brance as was told over the phone to show both of our i.d . We have done every thing that has been asked of us and countless phone calles on my part to get this resolved and when i say countless i mean iv talked to 30 different agents at bank of america and have been told 12 different stories. And from XX/XX/XXXX till today the XXXX of XX/XX/XXXX i still cant get the funds released. I believe that when they opened my recent account that they did so just so they could get the funds that i owed from a previous balance i owed. I get the feeling that my account was going to be closed no matter the situation as long as they recieved there money. Or else why would they cash that third party check and take what i owed them when doing so is against their policy of cashing a third party check. At this time the funds ar being held hostage. The check writer and the person whom the check was writen to are all aware of the situation. So there is nothing to be found frodulant but yet they will not work with us and can not get a strait answer. Its been 5 1/2 months already. All the das iv listed may vary a day or so but if needed i can give exact dates if needed. Thanks again XXXX XXXX My contact number is XXXX and email : XXXX XXXX
Consumer complaint received 2023-08-01
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of Identity Theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-04-18
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: FIFTH THIRD FINANCIAL CORPORATION (AL)

As a participant in a XXXX XXXX XXXX I was given a XXXX XXXX debit card powered by XXXX and issued by Fifth Third Bank. I never used the card for any transactions. The initial deposit by the XXXX  sponsor was {$1500.00} as I recall. I have nothing to confirm this at present. There were subsequent deposits for a second visit to the study sight as well as telephone visits. 
I never interacted with the card until XX/XX/XXXX. I had forgotten my PIN and contacted the study nurse who reached out to the sponsors to have the first card closed and a second card issued. At the time the second card was issued there was over {$600.00} balance. I suspect that there had already been unauthorized withdrawals then but I wasnt provided with transactions on the previous card. On XX/XX/XXXX I accessed my account online intending to transfer the funds to my bank account. There was a balance of {$19.00} in the account. The most recent activity on the card were international transfers to XXXX XXXX XXXX XXXX XXXX The customer service representative at XXXX offered to email me a customer statement of disputed transaction which could be completed and returned by email to XXXX the headquarters of Fifth Third Bank in XXXX, OH. To me this is an inadequate and indifferent response. Especially as she continued to refer to the hackers as the merchants. I do have the record of transactions and their descriptions which I can pride to you.
Consumer complaint received 2023-05-26
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: EQUIFAX, INC. (PA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-12-02
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. (MD)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was involved in identity theft and several credit cards were opened or tried to be opened in my name. Several I was denied, and letters came to my house for denials. These were opened in my name, and I have been sent bills to pay that I was never aware of having these cards opened or using them. 

I have not paid any of these, I want them cancelled, my name removed from them, and any derogatory marks removed from my credit score. 

Capital One was opened in my name and I never opened this card or requested it. I received a letter about a credit increase request dated XX/XX/XXXX that I did not request and luckily it was denied. I received a letter stating my account was past due on XX/XX/XXXX, which I new nothing about as I called in XX/XX/XXXX to let them know I never opened this card.I received a bill from them dated XX/XX/XXXX - XXXX XXXX with a past due amount of {$740.00}. I never had a chance to call them again, as I have several other cards with fraudulent charges of over {$21000.00}. These were more pressing and I just want this removed from my credit report and this card cancelled as I am not liable for this one either. 

I have been told not to pay any of these fraudulent accounts by federal agencies, as I am not liable. This is why they are in collections. I pay all of my legitimate bills on time and before all of this happened to me, my credit score was XXXX.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

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. 
| The accounts below have violated my rights. 
| 15 U.S.C 1681 section 602A. States I have the right to privacy. 
15 U.S.c 1681 Section 604 A Section # * 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 tem 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 ) ( a ) A person shall not furnish any information relating td a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX CAPITAL ONE BANK XX/XX/XXXX XXXX XXXXXX/XX/XXXX