davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

To whom it may concern, Capital one failed to protect and defend me as a client. I disputed a claim against a dentist for failure to complete dentistry work. I paid {$7300.00} from my capital one account for a service that was left incomplete. I called the dentist on XX/XX/21, to schedule a meeting to complete dentistry work. This was my first attempt to rectify things with XXXX  giving him the chance to make things right. On XXXX, at XXXX ; XXXX, The dentist called me back and asked me to come back to his office on XX/XX/XXXX. I arrived at his office on the XXXX. At this appointment, he put on a temporary crown and did a new mold for my teeth. The dentist took pictures of the tooth/teeth and said he would send this new mold to his lab and request a new crown. ( He did not do this. ) I instead was left to follow up with urgent care, another dentist, and soon a root canal specialist due to the work the original dentist ( the individual Im contesting against ) left undone. On XXXX XXXX, an Emergency root canal therapy ( XXXX ) was performed, to save the dying tooth. They took off the temporary crown, completed the XXXX, and told me to follow up with XXXX  for the permanent crown to avoid further complications. On XXXX XXXX, I called XXXX XXXX office several times to finish the permanent crown and address the misalignment. When I first called, it went to voicemail. The second time I called, there was no option to leave a voicemail. I tried calling from my second number, and that's when his office answered my call. They would not answer my calls from the phone number they had on file. At XXXX XXXX XXXX came to the phone, I informed him of the emergency root canal and stated that I needed my permanent crown. XXXX accused me of being a liar and said my tooth was not infected and there was nothing wrong with my teeth. I told him about the issues with the veneers. I told him the veneers required fixing ; they needed correcting for my bite and jaw. He continued to scold me, yelling, " You're a liar, there's nothing wrong with your veneers, you loved them, you were smiling in my office. '' At this point, I had no other option but to file a claim to dispute the charges. On XX/XX/XXXX, I went to XXXX XXXX 's office. I made an effort to give him a 3rd opportunity to make things right. I hoped that we could come to a resolution and complete the dentistry work. At his office, he continued to scold me in the lobby of the building, saying, " I don't have time for this ; you're wasting my time. '' I told him if he had no intentions of finishing the job, he should return my money. He said he wouldn't do that. He later sent his assistant to the lobby to offer me a refund, but he refused to refund the total amount. On XXXX, his assistant gave me a document refunding me {$1300.00}. Seemingly acknowledging incomplete dentistry work. XXXX  failed to complete the full service required of him.
Consumer complaint received 2021-08-03
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. (CA)

To whom this may concern, XXXX " XXXX '' XXXX need to be investigated. Sadly I am not the only one. They have failed at customer service and fixing costly mistakes that hurt consumers. I do not expect this company to fix my credit report, but to bring awareness to this bureau. Please I am not the only one. Take a look. 
https : XXXX
Consumer complaint received 2021-08-04
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: Porania, LLC (NJ)

I have these accounts that are not mine and i want them to be removed from my credit. 



1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-08-04
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: DISCOVER BANK (NJ)

I have these accounts that are not mine and i want them to be removed from my credit. 



1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2023-07-26
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. (TX)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX 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 2021-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

I have a credit card with Capitol One. On my statement they have a balance to pay off so twice I paid off the balance of the card on XX/XX/XXXX and XX/XX/XXXX. Then on XX/XX/XXXX I see on my statement an interest charge of XXXX, I called Capitol One. I ask them since I had paid off the balance why was there an interest charge. They told me that that they had be charging daily interest and that was not in fact the balance to be paid off that it said on the statement / website / app. So 4 days later they added up the daily interest and charged my card which meant it was not paid off. When I asked them why they do this the rep said it is " encouraged '' that you call in to pay off your balance. This is not on the statement anywhere. Nor is it on their site that you should " call in '' to get a final balance. So if you think you paid off your credit card, surprise you did not pay in full and then they will charge you 4 days later so the balance continues. This being the case if you never call in, because you didn't know you needed to, you could never pay off your credit card. They are stealing from their customers with shady business practices.
Consumer complaint received 2021-08-10
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. (OH)

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XX/XX/1979. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX # XXXX account is reporting 30 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process. 

XXXX XXXX # XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

By XX/XX/XXXX, I submitted an identity fraud report, which has been presented in several disputes with Equifax and they have ignored it. I wrote a letter to the account that is reflected in my credit report on XX/XX/XXXX to send me his contract because they report this incorrect account on my credit and it has been more than 30 days of this and they have not sent me anything. I have also made three previous disputes with Equifax requesting the information or research they use to report this account and they have not sent me anything. Attached I have the letters sent and the certified acknowledgments of receipt as evidence that Equifax is committing several violations and they have not removed information from my credit that they can not verify. They also do not comply with updating the information or sending me their independent investigation, complaint number XXXX. 

The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-10
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: ID Analytics, Inc. (FL)

TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX  XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 

Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
I recently submitted a request for investigation of an Acct Number : XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within XXXX business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX  SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2021-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE (CO)

Barclays has repeatedly reduced my credit limit on my card during the course of the pandemic - even as my overall credit score has risen and my income / ability to pay has risen. The team provides no preemptive notice of doing so - after a statement closes, Ill see this change to my available credit on my credit report.

I have multiple other accounts, have never missed a payment with Barclays, and have not even asked for a forebearance - and yet Barclays continues to target me unlike any other banking institution I work with ( XXXX, XXXX, XXXX, etc ) Each time I call and complain about this treatment, no one will provide me with any rationale why they of all banks think that improving creditworthiness = lower credit limit.
Consumer complaint received 2021-08-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arcadia Holdings, LLC (PA)

On XX/XX/2021, I sent Arcadia a letter asking them to validate a debt they are claiming I owe. I asked them to provide a breakdown of fees including any and all collection costs and medical charges. Also to provide a copy of my signature with the provider of service to release my medical information to them. They have responded on XX/XX/XXXX with just a summary of a bill showing charges I owe. They disregarded my request and kept sending the same paperwork. I have written to them twice in regards to this and they fail to respond properly. They have now stated that they will not respond to my disputes unless I have new information I need validated but they did not validate my letter the correct way.
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.
Consumer complaint received 2021-08-03
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: EQUIFAX, INC. (GA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-08-04
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: EQUIFAX, INC. (LA)

These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX  since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 60 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.
Consumer complaint received 2021-08-04
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. (CA)

Equifax has removed my XXXX XXXX account from my credit file I have called and written on several occasions still have not gotten any results. Equifax refers me to XXXX XXXX, XXXX XXXX refers me back to Equifax and states that they have reinstated my account that was removed in error they continue to report to all credit bureaus XXXX, XXXX  and Equifax, My account is shows on XXXX  and XXXX  Equifax seems to be the only agency that their is an issue with. I received this credit card account XX/XX/XXXX the account stop reporting to my Equifax file in XXXX of XXXX. My account is current and in good standing, But this has been a continuous problem for two years I pay bill for a credit card that does not reflect my credit file or score this not right.
Consumer complaint received 2021-08-03
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: PENTAGON FEDERAL CREDIT UNION (MA)

On XX/XX/XXXX I paid for a chandelier from XXXX XXXX ( XXXX Or. ) with my Pen Fed Visa card that was charged {$650.00}. I have not picked up the light and, now, must sell the condo it was meant for. The merchant refuses to give a refund even though he still has the light. Claims it was a special order, although he has similar ones in his shop. I disputed this with Pen Fed on XX/XX/XXXX. The closing date of the card statement was XX/XX/XXXX so the dispute was made less than 60 days from that date as they require. A supervisor, XXXX, reluctantly agreed to set up a case file for the dispute and said someone would contact me in 7-10 days. I called back XX/XX/XXXX and was told no case file was set up.
Consumer complaint received 2021-08-10
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. (AZ)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letter
Consumer complaint received 2021-08-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Service Finance Holdings, LLC (NH)

I have called service finance company multiple times throughout the past year and a half if not longer regarding their past due fees. Over the course of the past month and a half two months I have paid what I was told would bring my account current and would be paying only {$120.00} a month by a female representative a month and a half or two months ago. After making the necessary payments over the course of time Im still getting what shows on the statement as past due fees. When my monthly amount should be only {$120.00} and they keep trying to throw this language and terminology around that is a bunch of bull.
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

My credit report has a bankrupcty that belongs to my dad on my credit report. i disputed it directly with the bureaus but they claim it was verified to be mine. Me and my father have the same name and same address. Please remove this from my credit report.
Consumer complaint received 2021-07-26
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/2021 I received an email advising that I was preapproved for a Land 's End credit card. On XX/XX/2021, I reviewed the email and saw there was a promotion for 50 % off your entire first purchase using the card. Seeing as I was purchasing school uniforms I thought this would be a nice cost savings. After submitting the application and receiving the approval, I clicked the link to make my purchase using the temporary card number and 50 % off promotion. There was an error on the page and I was no longer able to get back to the link. I contacted customer service via chat and was advised that I could use any of my credit cards and they would honor the 50 % off promotion on anything except school uniforms. I double checked before agreeing to the terms of the credit card that the 50 % promotion could be used on any item. The following is the verbiage used to describe the promotion on their website " Receive 50 % off your first Lands End credit card purchase at landsend.com at time of account opening ( even sale priced and clearance items ). Offer can not be combined with other promotions. '' When I advised the associate of this in the chat she sent me the following " Subject to credit approval. Valid one time only. Can not be combined with other offers. Excludes monogramming, gift boxing, gift cards, shipping, taxes, duties, Lands End Business Outfitters purchases, international shipments, and excluded items as marked. Discount will be applied at checkout. This offer has no cash value. Promotional savings may be deducted from returns. Not valid on previous purchases. Must make a purchase in the previous 12 months to receive the offer. Must have valid email address and U.S. mailing address. Accounts that opened during your birthday month will receive the offer the following calendar year. Account must not be in default. ". I responded by advising what she sent me does not reference the school uniforms and she told me " that it is listed on the webpage where uniforms can be purchased next to the 'color ' option. '' Seeing as this was going nowhere I thanked her for time and advised I would be sending a consumer complaint. A consumer should not have to hunt around exclusions, I feel that this promotion is deceptive and misleading to consumers.