davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-06
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 (NJ)

In XXXXXXXX XXXX XXXX I noticed several fraudulent charges on my Capital One Credit Card. I was traveling and had my card set to auto pay through my bank account. I notified the company by telephone that I did not recognize the charges. They read back a few charges which were legitimate. They resolved those charges and sent me a new card. When preparing my expenses for work in XXXX, I noticed a charge from XX/XX/XXXX for XXXX XXXX ( an airline from XXXX XXXX ) in the amount of {$1100.00} There is a phone number associated with the purchase. XXXX. That number rings busy and is ( according to web search XXXX ) a fraudulent phone number that is associated with fraudulent purchases with this company. I reported it immediately and notified Capital One that the card had already been switched due to the fraud that had been reported earlier and that this charge was missed. I opened a dispute and they promptly closed the dispute stating that their hands were tied due to the length of time that had passed. I have been a customer of theirs for 20 years and do not have a history of purchasing items or travel to XXXX XXXX. I do not feel I should be responsible for this fraud since it is documented that.I am not the only victim of this same fraud. I also find it reprehensible that Capital One would authorize a charge of {$1100.00} to XXXX XXXX without some sort of fraud warning trigger in their system- especially when I have a suspicious activity notification requested on. my account ( see attached ). According to the Fair Credit Billing Act as well as the Capital One website, my liability for this should be limited to no more than {$50.00} as long as fraud is reported within 60 days which it was initially. This was an additional charge in that timeframe that was missed. I believe Capital One should have some liability for not flagging a suspicious charge which I relied on them to do. However Capital One is refusing to remove or even reduce the amount of this charge. I found a phone number for XXXX XXXX Customer Service and spoke with an agent last evening who is aware of the fraudulent charges associated with this number. He provided me with instructions via email to submit a claim to XXXX directly to try and get the money refunded. ( Attached ) I called Capital One again and spoke with XXXX different representatives, the last one being XXXX in the XXXX Department who would only say that Visa would not allow them to pursue this fraud claim due to the timeframe that had elapsed. At this point I feel that XXXX has done more to assist me with this than Capital One.
Consumer complaint received 2022-10-23
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 

XXXX XXXX XXXX  XXXX No. : XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX No. : XXXX, has violated my rights. 

XXXX XXXX XXXX  XXXX No. : 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 an account without my written instructions
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am filing this complaint because the Credit Reporting agencies are inaccurately reporting outdated and or wrong information on my credit profile. I have mailed to the agencies my correct and accurate personal info to be displayed on my credit profiles. I will attach the letters I sent to each bureau. Please erase and remove ALL OUTDATED AND INCORRECT personal information from my credit and update with the correct information. I will have attached the info that should be updated.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Transuinion is reporting a hard inquiry from captial one from XX/XX/XXXX that was removed XX/XX/XXXX but their re showing it in XXXX even though it was removed in XXXX by XXXX  XXXX and reported to transunion and also removed by transunion and also XXXX XXXX. But now both parties are showing it which is against the fair credit reporting act This hard inquiry didnt show all XXXX and even at the end of XXXX! U cant dig up old hard inquiry that have been removed and reapply them I will ask that the cfpb note my complaints on XXXX XXXX, trans union, and XXXX XXXX as reference and proof!
Consumer complaint received 2023-07-31
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 (IL)

Back in XX/XX/2022 I applied for a balance transfer from XXXX to Capital One. XXXX sent a check with not enough account numbers on it. The check was returned to XXXX from Capital One. During the months of trying to find the check there were 11 cases opened. In XX/XX/2022 I was told that I would not have any additional activity on my Capital One account and that I still owed the {$4600.00}. I agreed with this and paid this on XX/XX/XXXX I paid {$4500.00} from my checking account as a wire payment. It shows receipt on my statement. On XX/XX/XXXX, Capital One recharged me again the {$4600.00} which has already been paid from the XX/XX/XXXX payment. I have called Capital One over 20 times in the last six months to get this fixed. The most latest call was XX/XX/XXXX and I spoke to two different people and the call lasted over one and a half hours. They told me they would look into this and would get back to me in 7-10 days. Now today, I called and they say they have no record of this call and had to start the process all over today with me making the claim. This has continued over and over again the last six months. I would like this charge of {$460000.00} reversed so I can get on with my life. This has gone on too long without resolution. I can't even get the same person to call me back and I have to start all over explaining the situation with every call I make. Many times I call and they disconnect me so I have to call again and start all over explaining the situation. This needs to be resolved please. Thank you. XXXX XXXX XXXX. This complaint is against Capital One Credit Card.
Consumer complaint received 2022-10-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, hurts me applying for credit and applying for jobs. I've reached out to have these issues resolved and haven't gotten a response. I would like to get this issue resolved as soon as possible.
Consumer complaint received 2022-10-23
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. (FL)

I opened a complaint XXXX explaining that someone broke into my home & took my personal information and now has been trying to open accounts in my name. I have called Transunion they hang up and constantly tell me something different every time I call. I have been hung up on XXXX rep say they got my information then another day they never got anything from me. I need help to get these inquiries that I did not apply for removed. Please remove these XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. You sent me a letter stating that some of the information I gave you suggest that someone else submitted the complaint on my behalf but that is not true. I submitted this complaint & I am again asking you to help me get this information removed from my credit report.
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: A & O Recovery Solutions, LLC (CA)

XXXX  XXXX XXXX XXXX : {$1800.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX XXXX XXXX : {$2800.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX XXXX : {$1000.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

CCI XXXX XXXX XXXX : {$160.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately.
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, 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. (KY)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX 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.
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (KY)

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX Bank 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.
Consumer complaint received 2023-01-04
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. (MO)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Consumer complaint received 2023-03-13
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. (IN)

XXXX XXXX XXXX XXXX XXXX Amount Paid : XXXX Payment date : XX/XX/2023 I called XXXX XXXX advised when I paid the account this will be deleted off my account. The information has not been deleted on the credit reporting bureaus.
Consumer complaint received 2023-05-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

The company has received a credit card debt from XXXX back for a credit card I owned. The account was handed over to XXXX XXXX XXXX to be settled. It was settled at a lesser amount and now they have put a collections on my credit for the full amount not the settled amount.
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 I do not recognize these inquiries and need them removed immediately
Consumer complaint received 2022-10-24
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (DE)

In response to a letter I received from Synchrony Bank dated XX/XX/XXXX in reference to a previous Dispute regarding my Lowes Credit Card ; I contacted Synchrony Customer Care at the number provided XXXX. 
I spoke with Synchrony Bank Representative, XXXX in XX/XX/XXXX. 
He informed me that my previous Dispute for purchase amount XXXX was found in my favor on XX/XX/XXXX and credited to my CLOSED Lowes Credit Card Account ending XXXX. 
Previously on XX/XX/XXXX, I received a letter from Synchrony Bank stating they had identified an error in the resolution of my previous dispute from XX/XX/XXXX, and that they credited my CLOSED account XXXX including the amount of the Dispute, ( XXXX, XXXX ) I was informed by Synchrony bank representative over the phone on XX/XX/XXXX that I would be receiving this information in writing via XXXX Mail regarding the Dispute resolution on XX/XX/XXXX within XXXX to XXXX business days. 
I have not received that Information. 
Additionally, after I received my XX/XX/XXXX account statement due date XX/XX/XXXX ( Synchrony Bank would not accept my payment online or over phone ) my account was charged off XX/XX/XXXX with an incorrect balance of XXXX, XXXX. 
Since the Account was closed in error, and the credit was not made while the account was OPEN, the amount in error including the Disputed amount XXXX, XXXX plus interest and fees should be Refunded to me in Full.
Consumer complaint received 2023-06-20
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 kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MS)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (MD)

PNC Bank holds my mortgage. My homeowners insurance increased, so as a result my monthly payment increased from {$2500.00} to {$2500.00}. I never received notice of the increase, so in XXXX, I paid the normal amount of {$2500.00}. 

Later in the month, I received notice that my loan payment was underfunded by {$53.00}. The notice said to send the {$53.00}, which I did IMMEDIATELY upon receiving notice. I was charged a late fee of {$83.00}. 

The bank -- despite instructing me in a letter to just send the additional funds owed in order to rectify the issue -- decided to NOT deposit my original payment and instead for some reason mailed me a check for {$2500.00}. So, rather than accepting the two partial payments ( {$2500.00} and {$53.00} ) I have sent, which combined is the full payment for the month of XXXX, they recorded me as not paying my loan at all. 

Despite NINE phone calls to fix the issue, PNC has now reported me to a credit agency and has threatened to take action to foreclose.
Consumer complaint received 2022-10-24
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)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-12-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have disputed this XXXX XXXX XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed since XXXX. However, the account payment status is XXXX days late. The account payment status CAN NOT be XXXX days late on an account that has been closed for XXXX. The account status is wrong and should be closed. Now, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor I want you to delete this misinformation on my file : XXXX XXXX XXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Consumer complaint received 2022-10-24
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. (MA)

in accordance with the Fair Credit Reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality USC 1681 XXXX CAR LOAN # XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1618c. ( 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.