davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

This is in regards to capitaloneshopping.com, a division of Capital One Financial Corporation. They specialize in affiliate marketing where they provide a " cash back '' in the form of a rebate in exchange for making purchases following a link to the merchant that they provide. It is a special marketing arrangement between Capital One and selected merchants where these merchants pay an affiliate fee ( ie commission ) for access to Capital One 's large consumer base. 

Capitaloneshopping.com has defrauded me out of over {$12000.00} in earned rebates after using their service to make purchases. They kept the entirety of the merchant commissions while shutting down my account under false pretenses. Specifically, there are two types of issues here. The first is a series of failed rebate redemptions where capitaloneshopping.com refused to pay out ( the estimated amount is about {$2500.00} ). The second issue is the termination of my account after inquiring about this first issue whereby an estimated {$10000.00} in un-redeemed rebates is being held. 

I initially contacted them regarding the first issue on XX/XX/XXXX. Their response was " Your e-gift card redemption is currently on hold pending confirmation of your Shopping Rewards from the merchant ''. After over a month and a half of back and forth communication in which they failed to provide any meaningful updates, on XX/XX/XXXX, they terminated my account without providing any particular reason. Since then, I have reached out a few more times asking for an update. They have failed to provide any reason once more. 

I am asking the CFPB to step in here and rectify the situation in which capitaloneshopping.com has fraudulently shut down my account in an attempt to avoid paying out on earned rebates while enriching themselves of the merchant commissions. For precedence regarding a similar situation involving a form of rebate in exchange for service, I refer to XXXX v. XXXX XXXX XXXX XXXX in which the latter was accused of claims for breach of contract, breach of the implied covenant of good faith and fair dealing, and fraudulent inducement.
Consumer complaint received 2023-10-06
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

During a flight on Spirit Airlines, I was offered a credit card application. I was told that I would receive XXXX points just for getting the credit card. Additional points could be earned by using the credit card. 

After receiving the credit card and using it, I noticed that I only had XXXX points in my account. 

I contacted Spirit Airlines / Bank of America and explained the situation. They noted my issue and sent me a letter via U.S. postage. In the letter, it explained that my account balance was correct. There was no explanation. 

I contacted Bank of America to cancel the credit card. They then told me that I needed to spend {$1000.00} in the first XXXX days to get the XXXX points. This was never explained or called out in the application. 

I feel taken advantage of by Spirit Airlines. I spent considerable time unfreezing my account, applying for the credit card, and using their airline in order to earn additional points.

I do NOT trust Spirit Airlines any longer. I'm going to switch back to Southwest Airlines for my regular fights along the XXXX XXXX.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

As of XX/XX/2023 XXXX has incorrectly dropped my XXXX FICO credit score a total of XXXX points for having multiple hard inquiries while shopping for a mortgage during my shopping window. I had different XXXX Inquiries for Mortgage loan products on XX/XX/2023, XX/XX/2023 and XX/XX/2023. All within the 45 day allotted shopping window for mortgage products. On XX/XX/2023 XXXX deducted XXXX points for the hard inquiry on XX/XX/2023 and another XXXX points on XX/XX/2023 for the inquiry on that occurred on XX/XX/2023. 

As of XX/XX/2023 Experian has also incorrectly dropped my Experian FICO Credit score a total of XXXX points for having multiple hard inquiries while shopping for a mortgage during my shopping window.
Consumer complaint received 2023-05-31
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing to file a formal complaint regarding the inaccurate information present on my credit report, as reported by Transunion. Despite my initial contact with Transunion on XX/XX/XXXX, they have failed to respond or rectify the errors. I kindly request your assistance in resolving this matter and ensuring compliance with federal law. 

Below, I have provided the details of the incorrect information and the necessary corrections : Please remove these accounts from my credit report as it does not belong to me. 

XXXX XXXX - ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} ), COLLECTION - ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00}, Original Creditor : COLLECTION ), XXXX  XXXX - ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$430.00} ), XXXX  - ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$2100.00} ) Kindly correct this inaccurate information on my credit report, as the account was never late. 
XXXX - ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX - ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2022-11-03
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. (FL)

There are accounts being reported on my credit that are inaccurate and I do not give Experian written instructions to furnish these accounts. If they continue to report these accounts that will be a violation of 15 USC 1681b ( a ) ( 2 ).
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (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. 

I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX : # XXXX, TD AUTO FIN  : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2016-05-31
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (CA)

I 'm a XXXX in a small firm in my early XXXX with student loan debt from XXXX school in the amount that some people have saved in pensions for retirement by now. My wife has school loans too which we 've been paying for years. We went back to school later and raising XXXX kids who are now just getting out of great colleges themselves means more loan payments. I 've managed to pay off over {$60000.00} in private loans and have {$140000.00} to go on my XXXX XXXX XXXX. The loan servicer 's contact person I communicate with regularly is very helpful but I do n't seem to qualify for a program that allows me to make an affordable payment. She said the first loan servicer I had for years who I would always ask for how I could make payments to reduce the debt, did me a disservice. There was just nothing but forbearance I was told and that 's still what I 'm told, it 's just forbearance. But that just makes the debt total higher. Right now the full payment due is {$1600.00} which I can not afford along with my mortgage and other bills. I 've been paying $ XXXXmonth during forbearance and have started paying a parent plus loan of $ XXXXmoth for my daughter. I 'm told I only have XXXX more year of forbearance but all I want is a plan to pay off the loans that I can afford and not be delinquent or default. If there 's anything you can do to help, please let me know. I want to be able to qualify for a steady repayment I can afford, and save some money for retirement, along with paying my mortgage and other costs of living. 
Thank you.
Consumer complaint received 2023-10-07
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. (LA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

A recent review uncovered mistakes that demand immediate attention. These errors in the credit report are the reason why this letter has been written. 

Your bureau is aware of the significance of credit reports in determining one 's financial situation, for sure. The way XXXX is perceived as being creditworthy can be significantly changed by lies. It is expected that the credit report will reflect the current financial situation accurately. 

When one has a complete understanding of their financial past and present situation, such inaccuracies are no small matter. It's unsettling without a doubt when the system relied on for accurate reporting fails. 

Every consumer has a right to the promised accuracy and transparency. Our financial information has been given to your bureau, and it is expected that it will be accurate and free from mistakes that could cause it to reflect our financial situation incorrectly. 

In light of this, we kindly ask that you give this issue your undivided attention. As soon as you can, kindly fix the mistakes. It is crucial to portray the financial reputation accurately in all ways because it is so important. We really value your prompt attention to this issue.
Consumer complaint received 2023-10-04
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: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter to XXXX, XXXX  and TransUnion on XX/XX/2021 regarding inaccurate and unverifiable items on my credit report. It has been over 90 days and I have not received a response from anyone. Failure to respond is a FCRA violation of my rights as a consumer. In section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 90 days, these items must be removed and deleted immediately. I demand these accounts be removed and deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to obtain credit and these inaccurate items are preventing me from doing so.
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I opened up an online account with Capital One. I had a fraudulent transaction on my account. I called to dispute it. I am away at college and do not have access to a branch nearby. There was only XXXX disputed transaction. I requested that my card stay active through the weekend as they would not send me out a new debit card until Monday and today is Friday and just block the company attempting to charge my card. Capital One went ahead and froze my account without telling me and without my authorization leaving me stranded. I had requested to speak with a XXXX. XXXX several times because the offshore representatives did not understand to address my concerns. After several calls I was finally transferred to a XXXX XXXX and spoke to XXXX # XXXX. She was incredibly rude, kept talking over us and refused to provide an onshore customer service number to call on Monday. I only found out my card had been frozen when I attempted to pay a bill and was not able to do so. Capital One is holding my money hostage and will not release it. They froze my card without my permission or authorization.
Consumer complaint received 2023-10-09
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-10-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC (KY)

Hello. Thank you very much for responding to my concerns regarding XXXX/LoanCare. I wired a payment of XXXX to XXXXLoanCare on XX/XX/XXXX to cover my XXXX and XXXX payments since my checks were not processed in a timely manner by XXXXLoancare as mentioned in my first complaint. I received confirmation via email today, XX/XX/XXXX, that the wire payment was received. The automated system informed me that my next payment is due on XX/XX/XXXX. 

However, I have the following requests : -Since I made the wire payment on XX/XX/XXXX, I request that XXXX/Loancare do not process the checks that XXXXLoancare have not XXXX. I placed a stop payment on two checks that they have yet to cash. One check is dated XX/XX/2023, and the second one is dated XX/XX/2023. See attachments for check info on checks that have yet to be cashed. 

-I contacted XXXX via email today and requested that the two checks mentioned above and attached not be processed. In XXXX 's email response, they told me they could not stop the processing of the check -Because I am informing them of the stop payment on the checks, I should not be charged a fee if the checks are processed.
Consumer complaint received 2023-10-06
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. (SC)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX XXXX mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below..

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : 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. 

I have already sent mail out and it has been over XXXX XXXX before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

To Whom It May Concern : You are reporting inaccurate and/or incomplete information concerning me in consumer reports. 
Your conduct has caused me distress and financially harmed me with costs and loss opportunity.
Consumer complaint received 2023-02-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC (AL)

On XXXX XXXX I noticed a collection on my credit report. On XX/XX/XXXX I contacted the creditor listed on the report to inquire about the supposedly debt. I made three different phone calls and spoke with a different representative each time. each representative told me that no debt in the amount in question was showing as me owing a bill. Each one stated that nothing is showing under my personal information that has been sent to collections. I then reached out to the debt collector and gave him the information that I received from the creditor. He really couldn't give enough information about the account and the phone disconnected. The debt collector was never heard of by me, and I never receive any kind of communication as to validate this debt.
Consumer complaint received 2023-10-06
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. (NJ)

Ive tried to notify the credit consulting department since the month of XXXX that Ive kept seeing these multiple inaccurate and misleading accounts on my credit report. Until now, Im still seeing the same items on my files. I need it to be corrected and have these accounts below to be automatically removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Ive tried to notify the credit consulting department since the month of XXXX that Ive kept seeing these multiple inaccurate and misleading accounts on my credit report. Until now, Im still seeing the same items on my files. I need it to be corrected and have these accounts below to be automatically removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX