davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

At this point I have sent 5 certified letters to Capital One requesting signatory evidence or any other contractual proof that I opened an account with them. Capital One has sent me 4 statements but has included no evidence or information whatsoever. Capital One has provided absolutely nothing to suggest that this debt belongs to me. 
In a letter from Capital One dated XX/XX/2024 XXXX statements are relevant to this case. The first statement is, ( 'The application you refer to was taken over the phone or the internet, so, unfortunately, we don't have a paper copy to send you. We're sorry for any inconvenience. ' ) The first statement states they can offer no proof that this debt in fact belongs to me. The second statement from that same XX/XX/2024 letter states, ( 'The account was opened with a valid contract between you and Capital One. ' ) This second statement leads me to believe that there is some kind of documentation to prove ownership but Capital One has provided nothing. On XX/XX/2024 this statement defies understanding, ( 'Thanks for contacting us about your credit report. Based on the information you gave us, we researched your account. We know your credit is important to you so we want to help you understand what we found. ) That was the end of the statement. How am I supposed to take Capital One seriously? They are not appearing competent to maintain important credit reporting information. Capital One has not shown a shred of evidence that this account exists, let alone belongs to me. 
Since I have obviously exhausted my options, I have filed a small claims lawsuit against Capital One in my home state of Texas. I plan to use every option at my disposal to clear my name and restore my credit to good standing.
Consumer complaint received 2023-08-12
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. (PA)

In accordance with the fair credit reporting act this creditor XXXX XXXX XXXX has violated my rights under 15 usc 1681 section 602. States I have the right to privacy.. 15 usc 1681 section 604A section2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666B a creditor must not treat a payment on a credit card account as late on a open end credit card account for any purpose
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bridgecrest Acceptance Corporation (FL)

XXXXDisputed account but didnt remove for XXXX Bridgecrest-Disputed account but didnt remove for XXXX XXXX-disputed but didntb remove for XXXX XXXX-Disputed but didnt remove for XXXX
Consumer complaint received 2017-06-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of America ( BoA ) regularly advertises their " XXXX XXXX Visa Signature Credit Card '' with promotional bonuses of XXXX frequent flyer miles ( or more ) for booking XXXX XXXX flights. This bonus is contingent upon completing {$1000.00} of purchases within 90 days of receiving the card.
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I applied for the BoA XXXX XXXX Visa Signature Card onXX/XX/XXXX. I saved a screen shot of the application page ( attached ), which clearly advertises a promotional bonuses of XXXX airline miles after spending {$1000.00} in 90 days.
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BoA granted me an instant approval, but misleadingly, the approval was *not* for the BoA XXXX XXXX XXXX  Signature Card . Instead, BoA approved me for the XXXX XXXX Platinum Plus Card, which has a much smaller promotional bonus of only XXXX airline miles.
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BoA did not clearly distinguish this product switch whatsoever. I received no email, letter, or other notification that my application for the XXXX  Signature Card was denied. Instead, BoA mailed me the Platinum Plus card, which arrived with no mention of either the XXXX or XXXX promotional bonus. BoA only advertises the " Visa Signature ''  version of the XXXX XXXX card on their website, so there was no reason for me to believe a different " Platinum Plus '' version of the card even existed.
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Once I received the card, I made more than {$1000.00} of purchases using the card, not knowing I would receive only XXXX bonus miles for the promotion. Once I received the XXXX promotional miles, I was confused. I waited to see if an additional XXXX miles would post to my account, which never arrived.
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Today, on XX/XX/XXXX, I called BoA and inquired about the promotional bonus. BoA informed me that because I was only approved for a {$1500.00} credit limit, I did not qualify for the Visa   Signature card, which is why I was mailed a Platinum Plus card instead. I explained to the representative that this was very misleading to me. The customer rep argued it was not misleading and offered to transfer my call to the credit department, suggesting they could explain why I was only approved for {$1500.00}. Since this would only waste more of my time, I declined this suggestion and hung up the phone.
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I strongly suspect that many other consumers have had this same issue. According to BoA, my FICO score was well over 750 at  the time of application, and I listed an annual income of more than {$100000.00} on the application. I suspect a large number of other customers with similar or worse credit scores have had the same " bait and switch '' tactic applied to them. After some cursory internet searching about this problem, it indeed seems to be a common issue.
Consumer complaint received 2023-02-19
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. (NY)

I sent a letter out on XX/XX/2021 to XXXX, Transunion, and XXXX. However it's been over a year and Transunion and XXXX failed to take action or even provide any updates. Only XXXX took the account off of my credit report. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency 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 the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2021-12-21
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CONTRACT CALLERS INC (TX)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., XXXX, in accordance with XXXX XXXX accord and U.N.C.I.T.R.A.L Conventions.
Consumer complaint received 2023-06-15
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of paid as agreed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-12
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. (PA)

In accordance with the fair credit reporting act this creditor XXXX XXXX XXXX XXXX XXXX has violated my rights under 15 usc 1681 section 602. States I have the right to privacy.. 15 usc 1681 section 604A section2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666B a creditor must not treat a payment on a credit card account as late on a open end credit card account for any purpose
Consumer complaint received 2022-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (MN)

PLEASE KINDLY MAKE THIS COMPLAINT PUBLIC. 

I bought TWO XXXX XXXX at the price of {$990.00} each ; but was charged {$990.00} for FOUR times. I paid for TWO XXXX  already ; but there are remaining balance of TWO more XXXX  in the card. 

I bought TWO XXXX XXXX tickets ; but was charged for THREE tickets. I paid for TWO tickets already ; but theres a remaining balance of ONE ticket in the card. 

Im attaching two screenshots of the bills so Apple Card can see and explain me and the public.
Consumer complaint received 2023-02-27
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. (IL)

In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : 15 USC 1681 Section 602 A, states I have a right to privacy.

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX5 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

On XX/XX/2023, I reached out to XXXX XXXX XXXX to inform them that I've never had an auto loan with them ever in my life. The person whom I spoke to is XXXX XXXX XXXX of their fraud department. She informed me that she would email me over their affidavit and instructed me to obtain a ID Theft Police Report as well. Which I did. I got the affidavit notarized, and I obtained the ID Theft Police Report the same day it was sent to me. She confirmed that she received it and said she would work on having it removed from my 3 bureau Credit Report. 
This fraudulent account is still reporting on my Equifax Credit Report and she has not reached back out to me regarding when she would have it removed. 
Below is the fraudulent account that I would like to have permanently deleted : 1. XXXX XXXX XXXX
Consumer complaint received 2021-12-22
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)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2023-08-12
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. (TN)

In 2015, I XXXX XXXX entered Into a consumer credit transaction XXXX XXXX which became serving provider a consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 is the sum of all charges in a consumer credit transaction, because I know the finance charge is the sum of all charges I was not expecting a bill, shortly after that I received a bill which is a violation of 15 usc 1692k, 15 usc 1692 b2 also the company failed to provide me with a right to rescind which is a violation of 15 usc 1635, also failed to provide me with option to opt out of all credit reporting 15 usc 6802, ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is By willfully doing this XXXX  XXXX has violated many laws according to truth and lending & fdcpa .Also all consumer credit transaction are not supposed be reported without my consent 15 usc 1681b permissible purpose company failed to provide me with opt notice which is a violation of Gramm-Leach-Bliley Act. I attached my license and will be mailing my invoice.

Bank can not lend money ....

In the federal courts, it is well established that a national bank has not power to lend its credit to another by becoming surety, indorser, or guarantor for him. Farmers and XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, 11 F 2d 83, 271 U.S. 669.

A national bank has no power to lend its credit to any person or corporation. Bowen v. Needles Nat. Bank, 94 F 925, 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637.

A valid rescission of a credit sale contract does not render inoperative the disclosure requirements of the Truth in Lending Act, as creditors obligations to make specific disclosures arises prior to consummation of transaction. Truth in Lending Act Section 102 et seq., 15 U.S.C. Section 1601 et seq. ; Truth in Lending Regulations, Regulation Z, Sections 226.2 ( c ) 226.8 ( a ), 15 U.S.C., following section 1700. ONeil c^ 484 F.Supp. 18.
Consumer complaint received 2023-02-19
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. (NV)

I filed a dispute several times and never received a response from trans union and I sent them letters twice in the last 6 months and I am tried of it. They never responded to me an I allowed them more than enough time even past the time the law allows. I noticed that you are reporting this item on my consumer reports as a charge-off with a balance. I am writing to understand which portion of this alleged debt was charged off or cancelled because I do not recall receiving a 1099-C. From my understanding, I am supposed to receive a cancellation of debt tax document so I can report this amount on my taxes.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: HW Holding, Inc (GA)

Hunter Warfield fraudulently added my name to my XXXX XXXX XXXX XXXX account claiming the debt was joint and reported it to the credit bureaus. {$4700.00} I was on a lease with my daughter from XX/XX/XXXX, to end of XX/XX/XXXX. After that time I was removed. My daughter singed a lease with XXXX XXXX XXXX XX/XX/XXXX. The debt comes from unpaid rent in XXXX of XXXX. 

I have copies of the general release by landlord dated XX/XX/XXXX, the lease dated XX/XX/XXXX without my name on it, as well as a letter from the XXXX XXXXXXXX XXXX dated XX/XX/XXXX stating that they did not submit my name to Hunter Warfield. 

I have received over 30 calls in a 3 month time frame, some multiple times in a single day. They started leaving voice mails, with no details, and when I called they wanted personal information. 

Hunter Warfeild illegally obtained an old lease to post this fraudulent debt in my name to the credit bureaus.
Consumer complaint received 2021-12-21
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. (CA)

XX/XX/2021 Certified Letter Demand for Removal XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Final Follow Up and Response Requested and Demand for Removal XX/XX/2021 Certified Affidavit Proof of Identity Theft and Documents My name is XXXX XXXX. I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail XXXX, Experian, and XXXX on 4 separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts, FCRA 605B, 615 ( f ), and 623 ( a ) ( 6
Consumer complaint received 2024-03-08
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. (VA)

I filed a dispute with Experian Credit Report regarding an inaccurately reported late of {$100.00} payment for an account with Comenitybank/eddiebaur. This account had created a duplicate account for me and as a result, I was not notified of a charge to the existing account that was marked as overdue in XXXX of XXXX. As soon as I was made aware, I immediately paid the debt and straightened things out with XXXX XXXX on XXXX My credit score was subsequently reduced by Experian. I made multiple attempts to file a dispute in XXXX and XXXX of XXXX. I also contacted XXXX XXXX and asked them to inform Experian of the reasons for why my payment was missed. Experian continues to use this supposed late payment as a negative factor to my credit score and they will not update their records to reflect.
Consumer complaint received 2023-08-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc. (NY)

XXXX WHICH IS KNOWN TO BE A DEBT COLLECTOR COMMITTED XXXX BY TRYING TO PACK ON MORE CHARGES ON TO MY XXXX LOAN THAN WHAT THEY PAID. THEY ARE MISLEADING AND DECEPTIVE AND COMMITTED FRAUD. They stated they paid {$1700.00} when they did not pay that much. 

Please see attachments with the three exhibits. I reported XXXX to my Attorney General XXXX XXXX to be investigated.
Consumer complaint received 2023-08-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ascendium Education Group (NY)

ASCENDIUM WHICH IS KNOWN TO BE A DEBT COLLECTOR COMMITTED XXXX BY TRYING TO PACK ON MORE CHARGES ON TO MY XXXX LOAN THAN WHAT THEY PAID. THEY ARE MISLEADING AND DECEPTIVE AND COMMITTED FRAUD. They stated they paid {$1700.00} when they did not pay that much. 

Please see attachments with the three exhibits. I reported Ascendium to my Attorney General XXXX XXXX to be investigated.
Consumer complaint received 2023-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I was a victim of check washing fraud by Chase bank and XXXX  XXXX XXXX. For a total loss of XXXX, was cashed and stolen from my account. I have been trying to recover it from Chase however 10 months have gone by, and I have been unsuccessful. The bank also wont issue me provisional credit, while they complete the investigation. 

I am requesting to be helped out this process.
Consumer complaint received 2023-02-19
Product: Credit reporting, credit repair services, 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. (OH)

3 collections XXXX. I contacted XXXX in the past couple months regarding a debt collection claim on my credit report. XXXX replied from XXXX website claim they are not collecting and to contact 3 other debt collectors they named off in reply. They would not provide any debt validation. They are still reporting non proven debts on credit report and have not removed. XXXX has been in legal problems with collection and not sure why mine is not being removed from my report because they are not the debt collectors and are not collection under. Credit Bureau refused to resolve in dispute. Debt age is approximately XXXX, XXXX, and XXXX but fact is still shows updated XXXX of XXXX as being correct under their debt ownership claim. It is not correct debt ownership. I contacted a lawyer but unfortunately I am not one of their selected favorites to receive better treatment under fair debt reporting and told no. I am given the run around but will report XXXX XXXX elsewhere. I am not ignorant to rules. If reported and no bankruptcy filed then to be reported legally. Not legally reported.