davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had credit card with capital one about 6 years. When I got really sick and lost job because of my sickness I contacted them and told them I'm willing to pay them as fast as I find new job.I was never before late with any payments.Not once .When I called them and explain situation they say they will put me in some hardship program and when I ask what that is, they explain that that will stop them from giving me a monthly fee.Right..they just forget to mention that that will also close my account with the oldest card I had. After 4-5 months ( when I was always contacting them ) I found a new job and wanted to pay off my debt .I found out from them that they already closed my account as charge off .In a meantime a checked online why my balance was so high .I found out that a was charge for like 2-3 years from some companies money and they never informed me .What made me belive back then that the monthly amount was so high because of the high fee they charging.I calculate all the frauds they allowed on my account from some two company 's I never heard off and all the previous payments I made and I realize that this card should be paid already long time ago or at least not supposed to have an outstanding balance like this .I called them multiple times to come up with some arrangements but they don't want to even talk to me. They hung up when I want to speak with Manager or threatening me with court, or just treat me like a human trash, when I never said I will not pay them .I just want them to came up with a resolution to this amount. Its impossible to deal with them. They ruined me credit history and they don't even care that I was there loyal costumer for the past 6 years.
Consumer complaint received 2019-12-09
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: BARCLAYS BANK DELAWARE (FL)

XXXX XXXX Account ... XXXX {$2000.00} PURCHASED BY XXXX XXXX TRANSACTION DATE Thursday, XX/XX/2019 POST DATE Tuesday, XX/XX/2019 This charge was for two happy hour drinks XXXX colones which is about XXXX $ US. Barclays wont reverse it. I went back to the merchant while i was in XXXX XXXX and he admitted it should have went in as local currency, they would have video of my transaction
Consumer complaint received 2024-03-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mercedes Benz Financial Services (TX)

I received an invoice from XXXX XXXX XXXX district stating that I owed taxes on my vehicle leased by Mercedes Benz. Below are the account numbers I was provided. 

Primary account number : XXXX Lease account number : XXXX I informed XXXX XXXX with Mercedes Benz that these charges were inacureate and eroneous. 

I notified XXXX XXXX that I believe these charges are incorrect for the following reasons : This vehicle is not used to generate income and has NEVER been used to generate income. This was stated to owner at the beginning of our lease. 

I am a service connected XXXX Veteran we do not pay taxes the first XXXX years of business per Texas comptroller. 

I sent XXXX XXXX and Mercedes Benz the attached 50-285 Leesee 's Affidavit of Primary Non-Income Producing Vehicle Use, emails and supporting documents verifying that these charges were erroneous and asking them to remove these charges with the attached Affidavit provided by XXXX XXXX XXXX XXXX. 

Mercedes Benz reported this inaccurate debt to XXXX XXXX XXXX district. Although I have submitted substantial evidence to prove this debt is inaccurate as well as documents to send to the XXXX XXXX XXXX XXXX, Mercedes Benz refuses to remove it and validate this debt. 

This inaccurate and erroneous debt has the potential to put liens on my home and business. This inaccurate and erroneous debt is causing me harm and hardship.
Consumer complaint received 2023-05-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Round Up Ventures, L.P. (AZ)

I paid off my loan with this company and overpaid XXXX in XX/XX/2023. The company stated they would return the excess I paid in 7 to 10 business days. I still have not been paid my money.
Consumer complaint received 2019-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (PA)

Back in XX/XX/2018 I entered demographic information to an online chase bank that was never responded to. I never received an account number, savings account number or debit card. So, because their were no chase branches in XXXX  I went to XXXX  to visit a branch unfortunately it wasn't accessible to pedestrians. I then saw the same offer I went to a branch opened an account when it was time for the XXXX  promotional offer if a new chase customer you get XXXX  for opening a checking and XXXX  for opening a savings account. when it was time to pay they said I had an account already the promotion is only for new chase customers.
Consumer complaint received 2019-12-09
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. (AL)

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you “verified” that these items are being “reported correctly”?Who verified these accounts?You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it)  as  required under Section 609 (a)(1)(A) & Section 611 (a)(1)(A). Furthermore you have failed to provide the method of verification as required under Section 611 (a) (7).Please be advised that under Section 611 (5) (A) of the FCRA – you are required to “…promptly DELETE all information which cannot be verified.” The law is very clear as to the Civil liability and the remedy available to me (Section 616 & 617) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.I demand the following accounts be verified or removed immediately. Dept of Ed Account XXXXXXXX XXXXAccount XXXXXXXX XXXXAccount XXXXXXXX XXXXAccount XXXXXXXX XXXX XXXXAccount XXXXXXXX XXXXAccount XXXXXXXX XXXX XXXXAccount XXXXAccount XXXXXXXX XXXX XXXX Account XXXX
Consumer complaint received 2024-03-18
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

Moving forward I would like you to stop reporting to all credit reporting agencies that I owe any amount to your company. Remove all false debts from my reports ASAP. I would also like your company to mail me via postal mail. All the changes have been made or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Credit Service International Corp (FL)

I disputed a public record ( Collection Account ) which is not mine to XXXX, and XXXX continues to report the damaging information on my report. XXXX sent me a " Dispute Results '' pdf, stating that the information I disputed has been " verified as accurate ''. This is impossible, as the Collection account is not mine. The Collection company reporting to XXXX, CREDIT SERVICE INTERNATIONAL, can not have any valid proof that connects me as owner of the account, as I don't have, or have ever had any contractual relationship with the utilities company claiming a defaulted account. XXXX is the ONLY reporting agency erroneously posting this negative and derogatory information about me. PLEASE HELP!!! XXXX 's dispute process is a joke. I have always had excellent credit, and what XXXX is doing is certainly not FAIR CREDIT REPORTING!!!
Consumer complaint received 2019-12-09
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. (AZ)

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

After staying at XXXX XXXX XXXX in XXXX in XXXX XXXX XXXX I was charged a bogus fee for smoking in the room for {$620.00}. I requested a chargeback on my Capital One Credit Card. I supplied lots of evidence of how and why I had not smoked in the room including proof I wasnt in the room at the time the alleged smoking occurred as well as pointing out inaccuracies in the log of my account from the hotel. This evidence clearly proves I was charged the fee without warrant. Capital One has decided that the fee is valid and has kept it on my account. They are refusing to assist me further. I am not responsible for smoking in the room and I will not be held accountable for something I did not do. The credit card company has failed to do its due diligence in investigating the situation and is therefore aiding the hotel in charging these bogus fees.
Consumer complaint received 2023-02-09
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails i am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy.

I did not give consent to these accounts.

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS :
Consumer complaint received 2019-12-09
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: EQUIFAX, INC. (FL)

I have been disputing negative unverified information from my credit report since XX/XX/2019 by certified mail alone with online according to FCRA Section 611 ( a ) ( 1 ) ( a ). I also under the FCRA Section 611 ( a ) ( 6 ) and ( 7 ) have requested the method of Verification after the amount of time allowed [ 30 day ] for the credit bureaus to respond to my request, well we are in XX/XX/2019 and I have not yet to see any verification or original contract bearing my signature of me agreeing to the terms of paying the debt. It's becoming very frustrating, stressful, and expensive to dispute with the credit bureaus due to the fact that I understand the stall tactic of the credit bureaus and the games that they play. It has been said the credit bureaus lean towards retaining incorrect data, rather than the other way around, because they profit from the more data that they have. After all, they are essentially data brokers. So the more data is worth more money, even if some of it is being incorrectly reported.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

A 1099-C was issued from Capital One N.A./Kohl 's Credit Card XXXX The amount of the discharged debt is {$670.00}. The balance of the undischarged debt is not being correctly reported to any of the Credit Reporting Agencies after a dispute was initiated and completed. Kohls failed to conduct a reasonable investigation on the stated account, under 15 U.S.C. 1681s-2 ( b ). There are factual inaccuracies.
Consumer complaint received 2022-05-31
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (PA)

An amount of {$500.00} went to collections on my credit file in XX/XX/2022. The collections showed it was from Columbia Debt Recovery LLC or Genesis Credit Management and a derogatory mark showed up on my credit report. After investigating this situation, I realized that someone stole my identity and applied for an apartment at a place called XXXX XXXX. The address for that apartment is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. I have never applied for an apartment in Georgia.
Consumer complaint received 2019-12-09
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)

I have been disputing negative unverified information from my credit report since XX/XX/2019 by certified mail alone with online according to FCRA Section 611 ( a ) ( 1 ) ( a ). I also under the FCRA Section 611 ( a ) ( 6 ) and ( 7 ) have requested the method of Verification after the amount of time allowed [ 30 day ] for the credit bureaus to respond to my request, well we are in XX/XX/2019 and I have not yet to see any verification or original contract bearing my signature of me agreeing to the terms of paying the debt. It's becoming very frustrating, stressful, and expensive to dispute with the credit bureaus due to the fact that I understand the stall tactic of the credit bureaus and the games that they play. It has been said the credit bureaus lean towards retaining incorrect data, rather than the other way around, because they profit from the more data that they have. After all, they are essentially data brokers. So the more data is worth more money, even if some of it is being incorrectly reported.
Consumer complaint received 2019-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (GA)

Early Warning Credit reporting agency has incorrect information and has bad info on my credit report with them.I am not allowed to open any bank account because of this false information on Early Warning report. I have tried to settle this issue with them I have also created an account to report this to early warning but the website to do this is a sham.
Consumer complaint received 2022-10-18
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: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2019-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (SC)

Called Equifax 3 times to try and unfreeze my credit after we were unsuccessful on their website, as requested by our mortgage broker. Equifax, after 30+ minutes on an automated system, then said that their system is down and they can not provide me any assistance or help in any way for at least 24 hours. Given that this company has access to hundreds of millions of US citizens personal information, it is unacceptable for them to put so many people at a total standstill. Contacted beginning on Thursday, XX/XX/2019 thru Sunday, XX/XX/2019. Their inability to assist people with credit freezes, unfreezes, as well as other pertinent information is a hindrance to peoples lives. After they were involved in a 100+ million breach of personal information they should not be allowed to continue to monitor such vital information.
Consumer complaint received 2023-05-24
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. (NC)

XXXX XXXX XXXX, d/b/a XXXX XXXX has negatively impacted my personal finances in addition to negatively impacting my credit scores without justification. This has caused substantial harm over the past decade and also negatively affected XXXX XXXX and XXXX XXXX as a result of their gross mishandling of my account with them or even negligent attention to correct misapplied payments and at time charging double while carrying over late fees over multiple years without applying payments to the principal. To this day the continue to miss report on my personal credit report a derogatory statement of late payments even though they have accepted payment in full, this comes after having successfully complete XXXX XXXX Bankruptcy and the firm during that time having employees incessantly calling me for monthly payments after the program was completed.
Consumer complaint received 2019-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/2015 & XXXX XXXX two accounts was opened up in my name.. In the amount of {$500.00} ... The account is a fraudulent! Ive tried to speak with different level of supervisors about the fraudulent account and I was told that they are not going to assist me! I have submitted paperwork from the police department concerning my case
Consumer complaint received 2023-12-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (MA)

hi my name is XXXX XXXX on XX/XX/XXXX i was call to get a settlement check from my lawyer later on that day i ask my fiance to please deposit the check on his account because i was gon na save this money for XXXX XXXX gift on the XXXX, the very next day he check to see what was the status on the check ; only to findout the CitiBank closed his account he call and ask why the di that they responsed was he forgot to sign the back but i did, he ask so where the check they respond they holding it till they speak to the person who wrote the check I call my lawyer and we call not one time but a few times requesting to relesed the money even the branch XXXX call but all they do is give XXXX  the run around we be calling every week, and we get different answer the last call on XX/XX/XXXX we was told to go to the branch in CT and bring our ID and thats the only way we get it we did that we drove to XXXX XXXX XXXX XXXX ct XXXX and spoke to XXXX XXXX XXXX who call the fraud dep and spoke to a person there and she ask if we had ID '' XXXX he tell her yeah and they drove XXXX hours away we was told to wait 7 days that they will write a check and MAIL IT TO ME its XXXX XXXX XXXX  now this XXXX  i call and every time is a new story i was told that they keeping the moneyand i could claim it in 5 years im comfused at this point i thing all this is a scam please help me not sure what else to do.
Consumer complaint received 2023-10-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION (OH)

I received several emails about a checking account opened in my name with Truist.I did not open a checking account with them and have never been to one of their banks. I called customer service and she said the only way she could look it up was with my social security number, which I was not comfortable giving. A User ID was created XX/XX/23 at XXXX XXXX  in the US. Account details in email : Account Truist XXXX Checking XXXX, Application ID : XXXX