davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was charged a late fee after failing to make a payment one-day late. Capital One refused to waive the fee and even though the merchant charges and interest have been paid, Capital One continues to charge late fees even though I closed the account on the day I called about waiving the late fee and Capital One refused. Attached is one of several attempts Capital One has made to negotiate the late charges it has assessed to the closed account. 

This tactic of " negotiating '' a late charge is similar to a mafia protection racket, where the mafia sells protection services when the mafia created the injury to property or person in the first place. Additionally, Capital One is engaging in an insidious tactic that most consumers may not recognize ; ANY partial payment extends the statute of limitations for debt collection. 

Included in the attached file is also the consumer statement I have added to my XXXX credit report. You can see that Capital One did not dispute the facts.
Consumer complaint received 2023-01-15
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. (FL)

never sent results of investigation, and took longer than 30 days as I never got a response! Yet the bad information remains. multiple letters and i've only attached TWO. 
in regards to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-29
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. (GA)

There are some inquiries on my credit report that I did not make, I believe that they are due to identity theft, I do not recognize these inquiries on my credit report, I did not authorize them : 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 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AFNI INC. (FL)

Notarized Affidavit of Truth was sent via postal mail along with certified receipt to AFNI INC along with Exhibits stating violations per USC 1692d ( 1 ). AFNI INC is furnishing inaccurate information on my reports, ruining my reputation and causing defamation of character, resulting in not being able to get a home and financial crisis.
Consumer complaint received 2016-11-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NV)

I 've disputed this information 5 times already with the CRAs and I 'm receiving letters stating that they will no longer investigate even though I am providing clear and detailed information on what I am disputing, reasons and inaccuracies. I 've even included the actual figures on the reports that are inaccurate and month and after month nothing changes! How is this even legal??? 
*Please see letter attached for account disputes *I 've included credit report for comparison of disputes vs. reported information
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WA)

Someone is also using my information to open bank accounts credit cards ect and pre-qualified WILL NOT STOP I have opted out so many times I even had apartments looked at under my information and I'm not doing it I found numbers and addresses I didn't have or live at credit that was removed put back and nothing has stopped its still happening with reports and XXXX I'm getting mad and I can't even get replaced ss card cuz of this mess and when enter information for free reports it gets hung up on me after iv entered it and more false credit crap being reported still and blocking me from even getting snow tires this has to stop there is also 5 miss spelled forms of my name on it
Consumer complaint received 2021-12-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

USAA will not follow my instruction to change location of direct deposit of my $ XXXXmonth lifetime annuity. 
I filled out the required form and sent it two months ago to the USAA address on this complaint.

I have called USAA multiple times and been put on holds for a long times, being transferred from Department to Department and nothing gets done. This is a repeat experience what I experience with USAA one year ago. I would gladly transfer my USAA lifetime annuity to another financial institution if USAA would set me free!
Consumer complaint received 2021-12-29
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: Experian Information Solutions Inc. (SC)

I had a home loan with XXXX XXXX  XXXX back in XXXX, my loan was transferred to XXXX in XXXX of XXXX. XXXX XXXX XXXX shows closed on XX/XX/XXXX. But over 7 years has pass, and they will not remove from my credit reports. The loan, never was late, I did the make a home affordable plan 2 times. And was approved both times, but I did continue to make my payments. I JUST WANT XXXX XXXXXXXX XXXX OFF MY REPORTS, I HATE THAT BANK.
Consumer complaint received 2021-12-29
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. (IL)

On XXXX XXXX I certified mailed a FTC Identity Theft Report to Experian with a copy of my Drivers License, Utility bill, social security card and a statement that the information is not information relating to any transaction by me. The USPS confirmed that Experian received the documents on XXXX XXXX. I called and was told by customer service agent XXXX that my Identity Theft report was missing some information. She said to resubmit a clearer copy with my drivers license. She also said that all the accounts that I had in my Identity theft report will not be blocked after I send the new copy of my Identity theft report to them, because the accounts don't meet Experian 's criteria to be blocked. She said she can't share why because others will try to default on account and claim identity theft. I sent the new copy of my FTC Identity Theft Report. This is absolutely upsetting to me! How is this possible when 15 U.S. Code 1681c-2 says " Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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 information relating to any transaction by the consumer. ''
Consumer complaint received 2021-12-29
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. (PA)

I am distressed that TransUnion have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated and removed from my credit profile for illegal proof of payment and high credit amount reporting inaccurate information. 

Account XXXX XXXX XXXX I respectfully request proof of the late payments. This is an illegal proof of payment. Please provide proof of bank statements, receipts proving payments were late. Why is high credit reporting XXXX XXXX it should state XXXX XXXX not XXXX $ Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit report. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I will sue your company for failing to report accurate information and damages caused by your company! You are in violation continuing to report! 

In this complaint accompanies a copy of my current credit report showing proof of the inaccuracies reporting on my credit profile
Consumer complaint received 2021-12-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC. (MD)

My car was a total lost do to a drunk driver. I had gap insurance which covered the lost. I called the gap insurer and they stayed based on the information they had I should get a refund. I spoke with a customer service representative at Ally financial..he first told me he saw few late fees but could not go into detail about the account because another department was handling the total lost. I spoke to a rep in the total lost department but they told me I would have to speak back to customer service about the fees and late charges. Ally says I owe them XXXX. I should be getting a refund but they made up some fees.
Consumer complaint received 2024-04-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX, there were 2 unauthorized fraud transactions on my BOA credit card ( {$1300.00} each, {$2600.00} in total ) that took place in the XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX in XXXX XXXX. I submitted the fraud claim right away. And I found that my card was lost, so I called them to include that information in my claim as well. Unfortunately, the claim was closed on XXXX XXXX, saying that the Bank of America was unable to pay me because they confirmed the card was used for the charges ( which is funny because my card was lost, so of course someone else used it ). I called again to reopen the claim on XXXX XXXX and it was closed again today, XXXX XXXX. I've attached the 2 response letters from BOA below. 
I am a XXXX XXXX who lives frugally, and this {$2600.00} is my living expenses for 2 months. And I maintained a perfect credit history. I believe BOA didn't research the case thoroughly because they closed the claims so quickly, both within 1 day. I contacted the XXXX XXXX, and they said there's no signature on those orders. I really feel that BOA doesn't care about their customers. 
Thank you so much for your consideration on this case. Please let me know if there's anything needed from my side.
Consumer complaint received 2021-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/XXXX I went on line to pay in full my XX/XX/XXXX Bank of America Mastercard statement bill of {$560.00}. 

By error I must have added 2 zeros and entered the amount {$56000.00}, exactly a hundred times what I owed. I hit pay without realizing my error. I did not get a confirmation of payment, so I assumed that this payment did not go through. 
I therefore paid again, this time the correct amount of {$560.00} and did get confirmation of payment. The payments were withdrawn from my XXXX checking account. 

On checking my XXXX account XXXX I noted that BOFA had taken both the {$56000.00} and {$560.00} payments from my account. I called BOFA and the customer service representative saw that this was an obvious error, spoke to her supervisor, and assured me that the erroneous payment would be wired back to my XXXX account within 2-5 business days. I have not heard further from BOFA on this matter. 

I am surprised that this amount would have even been accepted by BOFA - my maximum credit with BOFA is only {$30000.00}. The computers are programed to recognize any unusual activity to avoid fraud and I do not understand how this excessively large payment would escape detection. 

I am fortunate that I have the resources to have a private banking relationship with XXXX and my banker has allowed my account to remain active and allow me to meet my current obligations. I informed her that I was informed by BOPFA that this error would be corrected within 5 business days which I calculate should have been XX/XX/XXXX because of the XXXX holiday. 

Today XX/XX/XXXX, business days and 14 days later, there has been no resolution of this matter. 

Today XX/XX/XXXX, I placed another call to BOFA and this time the representative informed me that her supervisor stated due to the large amount involved, this erroneous payment needed to referred to a financial committee for review first and this would take another 7-10 business days. I attempted to speak directly to a supervisor twice, but both times the call did not go through with wait times of 20 minutes. The call was terminated by BOFA. 

Federal credit rules state that overpayments of a credit card bill must be returned to the consumer within an ~ 2 week period. I am not getting any cooperation from BOFA. I have an excellent credit rating and have been their customer for ~40 years.
Consumer complaint received 2021-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (MD)

I was misled by the Amex Platinum website into thinking that my online booking was with Amex platinum. Instead, all online booking is through regular Amex which does not give the same level of customer support. Nothing on the Amex Platinum website indicates that online booking are made by regular Amex. I pay a lot for Amex Platinum, and terribly disappointed by the misleading advertising on its website.
Consumer complaint received 2021-12-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Upon a first notice from Portfolio Recovery I immediately sent a letter disputing the validity of the debt asking for proof within 30 days of the notice which is my right under the FDCPA. The company did not sent any further information to me and continued to ask me to pay for this proposed debt. I followed up with 3 other letters and 2 emails to them and this started back in XX/XX/2021. XX/XX/2021 they reported that this was bad debt on my credit bureau stating DISPUTED RESOLVED- CUSTOMER DISAGREES. 

This statement is false and disparaging and is highly suggestive that I was in receipt of the proof this was my account. I called the company again today and I was not able to get anyone to resolve this and I need help as they are in violation and I have proof of all my correspondence to them asking for proof and they in turn did not send anything but dunning notices. 

See attached all my letters sent back to them and not including emails to them since XX/XX/2021.
Consumer complaint received 2021-12-28
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: Receivable Recovery Services, LLC (PA)

A validation of debt letter under Fair Debt Collections Practice Act was sent to Receivable Recovery Services but they did not follow the requests of the letter within 30 days. Up to present day they have not provided an original contract that bears my signature. They also failed to provide an affidavit of claim & a certification of authority. Due to their blatant negligence the alleged debt from Receivable Recovery Services is considered fraudulent and invalid. Since this was a medical situation i also requested that they provide a HIPPA authorization, in which they failed to produce. I also attached a copy fo the certified receipt
Consumer complaint received 2021-12-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (WA)

I received a letter from Caine & Weiner indicating that I owed an alleged debt. Caine and Weiner obtained my home address in which I never gave this information to them. Caine and Weiner violated numerous consumer laws in the letter they sent to me. I sent Caine & Weiner written notice to cease and desist and an Affidavit containing violations of the FDCPA. Caine & Weiner have yet to honor my demands.
Consumer complaint received 2019-12-13
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$750.00}, {$500.00}, {$4000.00}, {$800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$750.00} -This is not my account.

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX   opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account.

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account.

4. XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$800.00} -This is not my account.
Consumer complaint received 2021-12-28
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. (MD)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2018-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I can not access my Capital One account and apparently neither can customer service. In the meantime, triple alert has sent me a message that my account has been negatively affected. I go to that service to discover my account is over its limit. However, there appears to be no way I can access or review my account either online or over the phone via their customer service to resolve and issues or even review my account. The two step verification fails online blocking me and when I call in they say their systems have been down. I have attempted to access my account at least 10 times over the past week.But the verification code is never sent. Now a message comes up stating there's an issue ... the question is what is the issue and how bad is it. For all I know their system has been compromised and they won't tell us.
Consumer complaint received 2024-04-10
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (CA)

I received a call at XXXX am at my brand new phone number claiming that I owe a balance of {$270.00} for XXXX XXXX is XXXX cable. They have me an account number which I notated and called XXXX cable. XXXX started that I only owed {$150.00} and not {$270.00} which tells me that this agency known as Southwest Credit is fraudulent. When I asked how the representative XXXX XXXX got my information she stated that XXXX cable gave it to her. I asked to speak to a supervisor and a rep by the name of XXXX XXXX pretended she could not hear me in order to not transfer the call. I called again and spoke to a XXXX XXXX who claims to be a supervisor and did not know how XXXX got ahold of my new number. She even went as far as to say that XXXX has my information since XXXX them money, yet XXXX has a different number on file. I believe that this agency is scamming customer out of their money and giving fake amounts.