davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-27
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. (IL)

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 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 2022-04-06
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am disputing a charge of {$1700.00} to XXXX XXXX Co. They never did the work that they were paid for. I had to have the fence installed by another co, XXXX XXXX XXXX Co. 
I have finally received a refund receipt in the mail, yet I sent it to Capital One and they still have not given me the credit that I deserve.
Consumer complaint received 2022-07-27
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. (LA)

It has been discovered that you are not DISPOSING file when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which is answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law. 
XXXX XXXX XXXX : {$620.00}
Consumer complaint received 2022-07-14
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. (WI)

In XXXX I was XXXX for XXXX years. Upon release in XXXX I discovered that someone filed taxes in my name while I was XXXX. As a result of that i filed an identity theft report in XXXX and I recently resolved that matter with the irs but this year I discovered someone also used my personal information to fraudulently open credit cards in my name Such as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-06
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

My XXXX XXXX and XXXX XXXX cards were switched to Capital One last year ( XXXX ) I also had a Saks card and Capital One XXXX. 

Since XXXX I've received letters from Capital One re : the Saks and MC asking for " information '' they needed to update. So I called the number on the MC. They said the letter wasn't from Capital One and it was probably a scam. They said my accounts were fine.

A few months ago I logged onto the website and saw that the Saks card and MC were " currently restricted. '' Called Capital One again. They said they needed to " collect information '' for the account per federal law. Told them about the previous call when CSR told me the letter was a scam, They said she was wrong.

I updated the information and they removed the hold on the accounts. I thought my updated info would apply to all Capital One accounts since now it was in their system. 
Mais non. 

More letters! I thought I had already resolved the issue so I disregarded them. 
Forward to this morning : I logged onto the website and saw that the XXXX XXXX and XXXX XXXX cards are " currently restricted. '' Called Capital One ( again ) to ask about the restriction. Spoke with a XXXX I didn't understand. Transferred to another person I didn't understand. " Ma'am we are looking into it. '' Transferred 2 more times. Call time : 30 minutes and counting.

CSR told me I didn't respond to the letters. " We need to collect information about your account. '' Told her I called before and gave the information. " I can give you the information right now. Will that lift the restriction? '' Short answer : No.

They closed these 2 cards because I didn't answer the letter. 
" We also called you several times. '' Maybe so, but they never left a message. I get random junk calls all day long. How am I supposed to know Capital One is calling me if they don't leave a message? 

Now my accounts are closed. And they can't be reopened, because I'm past the 30-day response period. " Can I reapply? '' Chilly tone from CSR. " Well, you're welcome to do that if you want... I certainly can't stop you. '' That's customer retention right there. This wouldn't fly at my job.

Me to customer : I guess you can come back to our store if you really want to... I certainly can't stop you.

Manager to me : Sweetie, we've had some calls from corporate about you...

Also closing these cards has tanked my credit score. It's down by almost XXXX points. 
Thanks, Capital One!
Consumer complaint received 2022-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I received an email stating suspicious activity on my account. I called into Capital One Bank and they told me I was accessing my account on XXXX different devices and that's illegal to do so they ended my banking relationship. I told them I do access my account on my XXXX phones in the home sometimes I have XXXX or the other with me. They said that didn't matter I cant do that. They closed my account and now are holding my funds. I have no monies available to me now and have to wait XXXX days for any funds to be mailed to me. They were rude on the phone about it. I have never had a bank do this to me. I have always been able to use my different devices and XXXX XXXX
Consumer complaint received 2019-09-08
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Evans & Mullinix, PA (MO)

Collection Attorney for Nebraska XXXX XXXX XXXX XXXX XXXX XXXX demanded contact information for my XXXX  XXXX and then called him and disclosed information about the debt. Violated Fair Credit Collection act by disclosing information to a 3rd party
Consumer complaint received 2022-02-16
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. (TX)

No permissible purpose was given. Pursuant to 15 USC 1681b ( a ) ( 1-2 ). Pursuant to 15 USC 1681 ( a ) ( 1-4 ) the banking system is counting on consumer reporting agencies to report accurate and fair information to my credit file which you haven't. by reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of 15 USC 1681 ( a ) ( 4 ) and The Privacy Act of 1974. You also cant claimed you verified any accounts unless you an prove you did what you suppose to do Pursuant to 15 USC 1681a ( e ) Which defines " investigative consumer report '' personal interviews with neighbors, family and friends and must show proof via affidavit of fact. Pursuant to 15 USC 1681a ( e ) stats that my consumer report should not include any factual information obtained directly from the creditor. If all accounts are not removed in 30 days as stated in 15 USC 1681i ( 1 ) ( A ), I the consumer will seek remedy 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 )
Consumer complaint received 2022-04-06
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: DOUGLAS, KNIGHT & ASSOCIATES, INC. (AR)

Today on XX/XX/XXXX I was contacted by attorney by the name of XXXX XXXX called and stated that this debt was owed by my father gave his birthday name address my mother 's email and told him that he owes a debt of {$13000.00} and that he has to pay it my father being in bad health gave the phone to my mother she then found out that this was a debt from a wreck in XXXX it has nothing to do with my father nor my mother nor my father 's phone number or email which he has contacted and stated that he owes the money he is in direct violation of the above mentioned laws I have been paying on this debt and have been in direct contact with the collector for them to use such tactics is intolerable and unacceptable I would like to have the complaint on file and also be known for any further collection he or the firm has to be null and void i will not allow my father who is in bad health to be harassed and it not go unpunished with that i hope that the tactics above mentioned covers the debt it's time these type of actions be held accountable ty again for the help in this regard
Consumer complaint received 2022-07-27
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-31
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I made a purchase through a XXXX company on XX/XX/XXXX. The prices are listed in CAD dollars on the website with an option to convert to USD. The purchase was charged in the USD not the CAD equivalent ( {$140.00} CAD was charged as {$140.00} USD ). I reached out to the seller and sent screenshots of the website and how much I was charged. The seller stopped responding. 

I waited till XX/XX/XXXX when the payment was charged to my credit card account and disputed it through the online portal. The portal asked if I had any evidence to upload to the dispute to which I responded yes. The dispute was submitted without an option to upload any documents. I received an acknowledgement email and letter from Bank Of America which provided a mailing address or fax number to upload evidence. I was out of the country and returned on XX/XX/XXXX. I called Bank of America and asked if there a way to upload my email chain to the dispute and was told I need to wait 10 days for an agent to review my dispute to " open '' the online portal to upload my documents. 

Why is it necessary to wait an additional 10 days to upload information I had when the dispute was opened? This process seems unnecessarily long and time consuming. First the consumer needs to wait 10 days for the dispute to be viewed, then upload the documents then wait again for the dispute to be reviewed a second time. This dispute only needed to be viewed once if the portal would allow me to upload the documentation the first time. Having a consumer go into a branch or fax documents is an antiquated system. If my dispute is submitted electronically, I expect to be able to submit the supporting documents for my dispute at the same time. While this wait is going on, the payment amount being disputed has not been refunded. This system is built to protect the bank and the seller, not the consumer.
Consumer complaint received 2022-07-27
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX BANK Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX CARD Date of inquiry XX/XX/XXXX XXXX XXXX XXXXe of inquiry XX/XX/XXXX XXXX CARD Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXXnquiry Date XX/XX/XXXX XXXX CARD Date of inquiry XX/XX/XXXX
Consumer complaint received 2020-09-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XXXX XXXX sent a wage garnishment to my employer XXXX aka XXXX  of Illinois and my wages were garnished and the amount was collected in full, I am still being harassed and threatened for legal action, I have contacted XXXX several times and they give me the run around stating I have to contact another # and dept and I can not get a resolution
Consumer complaint received 2022-07-27
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-28
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: COMMUNITY CHOICE FINANCIAL, INC. (FL)

On XX/XX/XXXX around XXXX XXXX I got a call from a private number that claimed they were with XXXX XXXX and could not give me any information other than a case number ( XXXX ) and a phone number to call regarding that case number ( XXXX ). I called the number which belongs to what they claim is a debt collection company calling for a payday loan from XXXX with Cash Central called XXXX XXXX, they told me I was going to be taken to court and would have to pay {$1400.00} unless I wanted to take care of it over the phone with them which I could only do by providing a card number with them right at that moment ( they also mentioned they only take Visa or master ). At that point I told them I would have to call them back. I did some fact checking and called consumer finance later that evening. They do not have a valid website anywhere and the number seems to come up as scam on XXXX. I called them back today ( XX/XX/XXXX ) to ask for a physical address which they could not provide due to child protective services cases they apparently provide, and I also asked for a professional licensing number which at first they said I had to speak to a supervisor for that number, out me on a brief hold, then came back and claimed they also couldn't provide that number unless I had an attorney present or once I was already in court with them. At that point I told them I was not comfortable giving them information and they told me they would see me in court. The apparent employee I spoke to said her name was XXXX XXXX on XX/XX/XXXX when I called back today ( XX/XX/XXXX ) they first acted like they had no idea who that employee was, put me on a brief hold, then said she had stepped out and wasn't available to speak at the moment. I then called Cash Central, asked  who they had sent the debt to, they gave me the name and the number to the debt collection company they work with ( which is XXXX XXXX ) and mentioned they had never heard of XXXX XXXX.
Consumer complaint received 2022-07-27
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX
Consumer complaint received 2020-09-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

On XX/XX/XXXX and XXXX, I disputed the validity of the debt, and requested the following to provided to me to validate the debt : To whom it may concern, I am writing in response to your letter dated XX/XX/2020, ( copy enclosed ) because I do not believe I owe what you say I owe. 
This is the first Ive heard from you, or any company on this matter, therefore in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts, I respectfully request that you provide me with the following information : 1. Proof that you actually own this debt 2. Statement from the original creditor providing the amount and complete payment history 3. Copy of the SIGNED loan agreement and/or credit card application/contract 4. Copy of a cancelled check from me to the original creditor 5. Proof that you are licensed to collect debts in the state of Georgia Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Also be advised that I am keeping very accurate records of all correspondence from you and your company. 
I have disputed this debt ; therefore, until validated, you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting They have not provided the requested information and are continuing to report negatively on my credit report which has caused my credit scores to decrease and causing me to get a higher rate on an auto loan.
Consumer complaint received 2022-02-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (PA)

I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer
Consumer complaint received 2022-02-16
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. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX