davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-28
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 (LA)

Capital One credited a {$7600.00} check to my credit card account with a {$0.00} balance, resulting in a credit balance of {$7600.00} because they also decided to charge the {$29.00} annual fee against this check. Payment was made by mail from a title company on my behalf to my Capital One Line of Credit for {$7600.00}. The title company could not stop payment because the credit card division cashed the check incorrectly. The credit card department said the only other way to resolve the matter was to have the check mailed to me " after a waiting period and then up to 10 additional days for processing. " Both departments verified that the title company sent the statement with the correct account number and address. However, neither department had a method to resolve the mistake made by Capital One. The individual with the Capital One Line of Credit assured me the matter would be fixed when I called on day one. Three days later, the issue was not resolved, and no one had the courtesy to inform me that the transaction could not be corrected. The credit division could not transfer the funds to the correct division, nor could the funds be transferred to my bank account, nor could the funds expedited by wire transfer, XXXX XXXX or another carrier to my attention. So, in summary, Capital One made an error and refused to take responsibility by expediting the return of funds as presented for payment toward my Line of Credit. In addition, Capital One continues to charge interest on my Line of Credit while holding over {$7000.00} in an incorrect account in a credit card account with a {$0.00} balance. Upon calling the credit card to seek an update, a recorded message stated I would receive the return of the {$7600.00} in 60-90 days. It seems quite unreasonable that Capital One has no mechanism to correct a mistake made by the Credit Card division, nor can the Line of Credit division request return of funds sent to their attention. Finally, the credit card money has the ability to hold this large sum in a non interest bearing account.
Consumer complaint received 2022-06-09
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. (PA)

in accordance with the fair credit reporting act XXXX  acct:XXXX violated my rights. 15 U.S.C 1681 SECTION 602 [ A ] i have the right to privacy. 15 U.S.C 1681 SECTION 604 [ A ] it also states a consumer reporting agency can not furnish an account without the permission or written instructions of the consumer.
Consumer complaint received 2022-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (NJ)

On XX/XX/XXXX I used the PNC bank owned and operated ATM at XXXX XXXX XXXX XXXX in XXXX PA and withdrew XXXX dollars. I do not live in the city and this is the last time I used this card. I do not use this card for any purchases and do not have it saved on my phone. On XX/XX/XXXX I was going to make a mobile deposit and noticed my account was lower than it shouldve been. I found a withdrawal of {$200.00} from the same arm location on XX/XX/XXXX. I was not in the city or the area on XX/XX/XXXX and the card was always on my person. I disputed this fraudulent withdrawal online on XX/XX/XXXX and called PNC on XX/XX/XXXX and notified the bank that I was likely a victim of a skimming attack. On XX/XX/XXXX a second withdrawal was made from my account for another {$200.00} at another PNC bank location ATM on XXXXXXXX XXXX XXXXXXXX On XX/XX/XXXX I was in XXXX Florida and my card was on my person. I have attempted to dispute this second fraudulent withdrawal multiple times starting on XX/XX/XXXX but the bank has not reinstated my funds. On XX/XX/XXXX I noticed a new second mobile phone number added to my account online, I called PNC and they could not tell me who or when someone added a mobile number to my account. I asked to close my account but the woman I talked to transferred me to a security specialist who told me to just change my online password. Clearly whoever skimmed my atm card is calling PNC pretending to be me and trying to circumvent security protocols to add their personal cellphone. Both fraudulent ATM withdrawals were at PNC bank ATMs and this in of itself is very suspicious pattern. Clearly whoever did this has an intimate knowledge of PNC bank ATMs and security protocols, and I can not be the only one who has been affected. The PNC rep I spoke with on XX/XX/XXXX told me I did not need to file a police report but I will do so now since I have not received my funds returned to my account.
Consumer complaint received 2022-06-09
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. (PA)

in accordance with the fair credit reporting act XXXX XXXX accts : XXXX date open XX/XX/2016 / date open XX/XX/2016 violated my rights. 15 U.S.C 1681 SECTION 602 [ A ] i have the right to privacy. 15 U.S.C 1681 SECTION 604 [ A ] it also states a consumer reporting agency can not furnish an account without the permission or written instructions of the consumer.
Consumer complaint received 2022-06-09
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. (PA)

in accordance with the fair credit reporting act XXXX XXXX violated my rights. 

15 U.S.C 1681 SECTION 602 [ A ] i have the right to privacy.

15 U.S.C 1681 SECTION 604 [ A ] it also states a consumer reporting agency can not furnish an account without the permission or written instructions of the consumer.
Consumer complaint received 2021-01-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Strategic Alliances, Inc. (MA)

I PAID THIS COLLECTION AGENCY ON BEHALF OF XXXX XXXX. XXXX XXXX  ASSIGNED THIS CASE TO XXXX DIFFERENT COLLECTION AGENCIES. EITHER THIS COMPANY DID NOT REPORT I PAID THEM TO XXXX XXXX  BECAUSE XXXX SAYS I STILL OWE THEM THE MONEY AND THE XXXX XXXX XXXX IS STILL TRYING TO COLLECT. ALSO ITS REFLECTING ON MY XXXX AND XXXX REPORTS AS NEGATIVE AND STILL HAS A BALANCE.
Consumer complaint received 2022-10-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$340000.00} 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 XXXXXX/XX/XXXX
Consumer complaint received 2020-09-30
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CO)

This guy on XXXX is doing a fraud bible and he takes people information and makes money from it he did it to my friend and myself and a lot of others his username is XXXX.XXXX  and hes doing fruad and stealing identity I would like him in jail. He has stole thousands and his friends do it too
Consumer complaint received 2022-10-28
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. (AZ)

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (IL)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2023-03-06
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. (PA)

I reviewed my credit report and noticed some inaccuracies. It appears to be fraudulent accounts that are reporting inaccurately on my credit report. A company by the name of XXXX XXXX XXXX is listed on my credit reporting stating that I owe their company {$120.00}. I reached out to this company and asked for validation of the debt, and I requested for this account to be verified showing that I am the person that is truly responsible for this debt. I never received any information showing that I was truly the person responsible for this debt. They are harassing me {$120.00} that I don't owe. Pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) if this company claim that I owe them, and they must valid the debt. In addition, I am being harassed. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

I am requesting assistance with this fraudulent account.
Consumer complaint received 2023-02-09
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: EQUIFAX, INC. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-10-28
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. (MS)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 2022-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Was approved to Open a Credit Card with Capitol One Bank in XXXX with a limit of {$3000.00} dollars was granted to me. I begin to use the credit card as needed and make timely payments when required. Capitol One increased my limit to {$5000.00} after 6 months of on time payments. Continued Using credit card and one day in XX/XX/XXXX they ( Capitol One ) notified me that there was fraudulent activity in my account and immediately closed my account. Now 2 years later XXXX they are attempting to sue me in court over the fraud balance of {$6000.00} dollars holding me responsible. Also I went on XXXX credit agency and attempt to correct specific information such as address and amount owed ( which is XXXX ) regarding the this Capitol one card and received a response from them ( Capitol One ) that my credit limit was only {$3000.00} further damaging my person and credit because the limit was {$5000.00} not {$3000.00}. The address the account is opened in and the address they have on file do not match. Also they play around with the credit report numbers. I have an auto loan with them and as soon as Im even a day past payment date ( within grace period ) they ( Capitol one ) mark it as late and it effects my credit and it isnt late! Credit Card ends in XXXX
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX/XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX A Account Number : XXXX XXXX XXXX Account Number XXXX XXXX
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Back in XXXXXXXX XXXX I was marked as deceased and was not able to receive my report. I had to verify information and requested the report back in XXXX XXXX. The only thing I received from them was a letter and not the actual report. This is inappropriate and now after time has passed. I'm able to correct some information but not all of my personal information. I placed a freeze on all three reporting agencies because of derogatory information that has nothing to do with me. This is a serious matter of concern to me as a consumer and could cause me harm financially
Consumer complaint received 2022-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (GA)

I applied for Discover It Student Credit Card online on XX/XX/XXXX, uploaded and signed the documents they asked for, got the physical card on XX/XX/XXXX, and get activated that day. 

But on XX/XX/XXXX, when I tried to use my card to purchase a dinner, it did not work. I called Discover, and they blame me for signing a document, 4506-C, that they asked for in the email. They claimed that I should have called them because that's what they said in the email, which was not true. Here is the email. 

" " " " " Discover Financial Services requires your consent to receive income information from the Internal Revenue Service ( IRS ) to verify information on your account. 

You can expect a separate email from " Verification Services '' ( sent via XXXX ) with the subject line : " XXXX XXXX '' Has Sent You IRS Consent Form 4506-C to Sign. Please follow the step-by-step instructions in the email within five days. 

Note : If the email is not in your inbox, please check your junk mail or spam folders. 

Prompt action must be taken in order to validate your account information for continued use. Until this verification is complete, a temporary hold has been placed on your account. If for any reason you are unable to complete the consent form, please contact us directly at XXXX, or call the phone number on the back of your card. 

Once Discover has received and processed the IRS information, you will be contacted in writing to advise that the review of your account is completed. 

We appreciate your prompt attention and cooperation. 

Thank you, Discover Financial Services " " " " " They certainly ordered me to sign the document directly in the email. But the operator of Discover on XX/XX/XXXX claimed that I should have called them, so I don't need to sign the document, but they would have requested me to upload my bank statement, which I've already done during the application. 

So basically, she blamed me that it was my fault to sign the form, and that's completely false. But I certainly believe I was not wrong, which is the reason I'm filing a claim. 

So be careful when dealing with Discover, so unprofessional.
Consumer complaint received 2023-07-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (OR)

We applied for a loan modification. We were told that were approved and had to wait for the paperwork. When I called them they said we were denied because we did not respond in 14 days.I told them we received the letter XX/XX/2023. They said they sent it on XX/XX/XXXX XXXXThe postmark on the envelop shows XX/XX/2023. They may have wrote the letter XX/XX/XXXX but it was not sent until XX/XX/XXXX. Our responding would have been within the 14 days.The woman on the phone stated they had to go by what is in the computer. I told her I can send a photo copy of the envelop. She stated it would not do any good. Now we are back in the situation of losing our home with no help.The company is Cardinal Financial.
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: Experian Information Solutions Inc. (TX)

I have complained to XXXX XXXX and Experian, for the last 6 months,, the last letter attached was submitted on XX/XX/2023 and I never got a response to my final letter The account above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have mailed numerous letters to TransUnion trying to rectify the information on my report and have waited over the amount of time for a response. I received some news that has stopped efforts in doing business with me for this matter. According to 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

All payments paid as agreed and never late.
Consumer complaint received 2022-10-28
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Im accordance with the fair credit Reporting act Capital One Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I have been called by PORTFOLIO RECOVERY every single week for several years. I called to be removed from their list. They said they removed me and STILL KEPT CALLING! 
They told me the debt was a XXXX  XXXX credit card I had in XXXX. That was ALMOST 20 YEARS AGO!!!! 
They are still calling me threatening to sue me and telling me my credit will be ruined when - ITS NOT ON MY CREDIT REPORT AND HASNT BEEN FOR 13 YEARS!