davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

My bank, XXXX, mailed a payment on XX/XX/XXXX with a due date for the transaction on the XX/XX/XXXX. Capital One reports they received it on XX/XX/XXXX ( unable to provide evidence of this ) and is charging $ XXXX of dollars of late fees and interest despite the fact that the check would have paid in full our charges. I contacted XXXX and they confirm that it should have arrived in plenty of time but they do not receive a receipt when delivered. 

I feel helpless here and see the news stating that credit cards are charging billions of dollars in late fees and interest to people like me and I have no capability to protect myself from this. 

What can I do to get my money back?
Consumer complaint received 2022-07-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NJ)

XX/XX/2022 I SUED EQUIFAX IN SMALL CLAIMS COURT. EQUIFAX DID NOT RESPOND OR APPEAR IN COURT. I WON THE CASE BY DEFAULT. EQUIFAX WILL NOT PROCESS MY DISPUTE FOR UNAUTHORIZED INQUIRIES DUE TO IDENTITY THEFT, NOR WILL THEY REMOVE COLLECTION THAT I DISPUTED. I AM A VICTIM OF IDENTITY THEFT. I HAVE SENT THEM MY DISPUTE VIA OVERNIGHT MAIL, ALONG WITH MY ID, SOCIAL, AND PROOF OF ADDRESS. TO DATE, EQUIFAX HAS NOT RESPONDED OR RESOLVED THIS MATTER. I NEED THE COLLECTION FROM XXXX XXXX XXXX REMOVED IN THE AMOUNT OF XXXX AND ALSO THE FOLLOWING INQUIRIES REMOVED. ( XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, ) immediately. EQUIFAX CONTINUES TO VIOLATE MY RIGHTS AS A CONSUMER AND THEY REFUSE TO ACKNOWLEDGE THEIR WRONG DOING. I HAVE ATTACHED PROOF OF JUDGEMENT FROM COURT AND MY MOST RECENT DISPUTES.
Consumer complaint received 2020-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

Discover closed my account for know reason upon getting approved of the credit card they took me through various verification process I supplied my bank statements proof of address and paperwork from irs validating my identity exc. I barely use card and pay on time for 3 months as covid19 approach they paused usage of card and ask me to sign a release form from irs from filings of XXXX being that irs was shut down and they werent able to get verifiable information they ask me to submit 3 months bank statements for verification I submitted and I noticed through XXXX  that they flagged account saying its closed. With know explanation.
Consumer complaint received 2018-05-08
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (IN)

On XX/XX/XXXX after rejecting the phone call for debt collector for XXXX  at XXXX PDT ( after already explaining that I do not owe the debt of {$130.00} ) they immediately called back XXXX PDT. I was out of town in California, so receiving calls at XXXX PDT wasn't fun either. But the audacity to call back immediately after rejecting the call really takes the cake.
Consumer complaint received 2022-03-02
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 — Problem with personal statement of dispute
Company: RoundPoint Mortgage Servicing LLC (CO)

We refinanced our home with One company and they sold the loan to RoundPoint in less than 30 days with out our knowledge. RoundPoint called us and said they were out new mortgage company but never properly officially notified us. We were under the impression their calls were scam or fraud. They reported us late payment after 30 days to all credit bureaus. It was a big misunderstanding. RoundPoint has refused to remove late payments from our credit reports
Consumer complaint received 2022-01-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.
Consumer complaint received 2020-07-29
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Knight Adjustment Bureau (UT)

I paid double the debt I paid {$1400.00} on a {$700.00} debt. I was told early on " not to worry about ''. I found the debt on my credit and called to take care of it after threatening to sue me I paid the debt off well over the initial debt. Now Knight adjustment bureau will not send proof of payment. I put a dispute in through the credit bureau and they responded with notice they will not take it off my report because it is still owed. I was yelled at lied to and threatened. I was trying to do what's right and pay off the loan and I've been treated poorly.
Consumer complaint received 2021-06-03
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NOVAD Management Consulting, LLC (CA)

In 2013 I modified my home. Im attempting to refinance my phone and requested a pay off amount from HUD and Movad their services. There are 2 liens but one is erroneous. I cant complete my refi and HUD/Novad is only sending me one payoff amount and not addressing the other one. The amount is {$39000.00}. But there is another lien amount for XXXX. This is causing financial and emotional hardship. I have been addressing this with them since XXXX of this year.
Consumer complaint received 2021-06-03
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. (NY)

Attention to Equifax. I am a victim of Identity theft. There is a fraudulent collection account that is reporting on my credit report that I need removed expeditiously. I filed an Identity theft report with the federal trade commission which I will upload along with proof of my Identity. I am in the process of renting a property and this has tanked my credit score. It is a defamation of my character. I am urging you to please help me resolve this manner. In order to qualify for a block, Appropriate proof of my Identity which is uploaded. A copy of an identity theft report which is also uploaded. The identification of such information by the consumer which is on the identity theft report. This collection account is not information relating to any transaction of mine. Under section 15 usc 1681c-2, you are required to comply with my request to remove the fraudulent account from my report within 4 days of you receiving my complaint. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have provided all the proof required for the block. Please remove this account ASAP or you're in violation of Federal Law. Thank You for your understanding.
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

I opened a account with XXXX  XXXX XXXX in XXXX and i closed the account on my behalf on good terms. if you look at the account i made all on time payments until i closed the account. I went to XXXX XXXX XXXX in person to close my account and the agent cut my card and i thought i was done. turns out the agent never cancelled the account and they charged me a XXXX fee i called and they said it was there fault and they officially closed it but without fixing my credit report. i called in XXXX to fix it and they said they fixed it but ended up using it as a charge off as if i did something wrong.
Consumer complaint received 2023-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (FL)

My wife and I had applied for American Express. We received those cards and pay about {$500.00} a year for the card.. While using one of the cards a Platinum card we were sold all the benfits of using an AMEX card that you could use to earn rewards and points but using these points was very difficult and at times inaccessible especially when AMEX for no good reason suspended charging because their system says it needs to be reviewed. 

We switched everything over to AMEX including auto pay and then when we had available credit AMEX then cut off the card in the middle of travel and said that it needed financial review. Financial review that started on a Sunday. We completed the financial review and they lifted the suspension. The first time. 

We had never had a late payment. On the charge card Platinum my wife was the responsible party. AMEX continued to tell me I was not finacially liable. 

But today on my XXXX XXXX card they suspended my card because of another account for the Companyu I worked for styating because of my association with " other cards '' that they had to complete financial review and suspended my persdonal card because of the Company card not being paid correctly. My available credit showed I had enough spending to continue to use the card but it was suspended, and I was adivsed this on a Sunday today. 

Now AMEX said that my card was suspended because of my association with another card not in my name but by the Company I worked for now holding me responsible from my XXXX XXXX XXXX XXXX for a card I am not responsible for. 

AMEX has continually suspended charges when there was no reason to do so and has done this to me numerous times while traveling leaving me in a lurch and causing significant expenditure of time and delay in completing travel. 

Also having to go to over 20 autopays that were loaded using the card has now jeopardized my payments to other creditors since I used the AMEX as an autopay item. 

They sell you in their marketing how easy it is to use AMEX and how helpful they are but all this hype is nonsense and I have never been treated like this by any other card issuer. 

I have been a member of AMEX since 2006 and it means nothing.
Consumer complaint received 2022-07-23
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. (TX)

In accordance with the fair credit Reporting act XXXX XXXX XXXX Account # XXXX, had violated my rights. 

15 USC 1681 Section 602 States I have the rights 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 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had an outstanding balance with Capital One for XXXX cards, XXXX with a XXXX $ limit and XXXX with a {$500.00} limit. I paid them both off in full, and my credit score rose as a result. Then, Capital One took the old XXXX $ card balance that was paid in full and sent it as delinquent to collections. I have ALL my XXXX XXXX XXXX payments to Capital One for BOTH card accounts. I called Capital One ( XXXX  times ) and asked them to rectify it and they said they would but my credit score keeps dropping and capital one collections calls my home everyday at least XXXX and XXXX  times demanding payment for an account that they know to be paid in full. I have spoken with XXXX people at Capital One as well as a number of hostile collections agents and have provided them with the payment dates and amounts and they always agree to remove the negative reporting and mark my account paid in full again, but they won't. They keep stealing from me, stealing my credit rating, my creditworthiness/reputation. They know that they are doing it and they refuse to stop.
Consumer complaint received 2023-04-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (PA)

They failed to id me with my state identification numbers, Dear Credit Acceptance, I am writing to request the return of my title and settlement funds in regards to the fraudulent transaction against XXXX XXXX XXXX XXXX. It has come to my attention that your company did not operate in accordance with the Truth in Lending Act 15 USC1681, and furthermore did not report my credit fairly. 

As you are aware, financing charges can only be paid with money in hand. I did not receive any money in hand and instead signed a contract which was not the full contract that I had seen on the Credit Acceptance website. Additionally, I did not receive my car as part of a proper consumer to credit transaction. Therefore, I am not liable for the debt that is required, are contract is null and void due to the contract being fraudulent. 

Given these circumstances, I am requesting the return of my title and settlement funds. I would like to settle this matter through our abbreviation clause. Please let me know how we can proceed with this, I extended them the credit they claim to have loaned me. 
I am a sovereign entity. 

According to Congress fraud is anytime a Person ( Corporation ) transfer, traffic, or transport your Government Authentication feature for value! 18 usc 1028d ( 1,3,9, 12 ).

Also i did not consent for any company to use my data using a SSA-89 it's fraud. Irs Publications 4681 states that all charge off are income.. How I still owe a debt that was written off as income. 
I also didnt put a down payment of XXXX that is false. Which makes the contract false. 
Thank you for your attention to this matter.
Consumer complaint received 2021-05-08
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: EQUIFAX, INC. (IN)

Equifax has put inquiries on my report that are not authorized. 

1. XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX 4. XXXX XXXX - XX/XX/XXXX 5. XXXX XXXX XXXX - XX/XX/XXXX 6. XXXX XXXX XXXX - XX/XX/XXXX 7. XXXX XXXX - XX/XX/XXXX 8. XXXX XXXX  XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2022-07-23
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. (CA)

Upon reviewing an updated copy of my Credit Report, I am appalled to see my Credit File with no Changes at all despite all the letters I have been sending to them. The last letter I sent to the Credit Bureaus was dated XX/XX/XXXX with complete attachments of my Personal Information. I have read that the Credit Bureaus are required to remove any account and information resulting from the Identity theft. But I see here that despite all my efforts to inform the Credit Bureaus of my status, the Credit Bureaus took no action at all neither responded to my letters. I am now submitting this complaint to remind the Credit Bureaus of their obligation to comply with the FCRA section 605b and remove the disputed items completely from my Credit Report. I need the following items removed from my Credit File now : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX AV XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2022-07-23
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. (SC)

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 information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$2700.00} ; XXXX XXXX XXXX Balance : {$25000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$390.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$100.00} ; XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$3800.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} ; ( Original Creditor : ) XXXX XXXX Balance XXXX {$35.00} ; ( Original Creditor : ) XXXX XXXX Balance : {$33.00} ; ( Original Creditor : ) XXXX XXXX Balance : {$35.00}.
Consumer complaint received 2022-07-23
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. (FL)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-01-18
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: JPMORGAN CHASE & CO. (CA)

My card was charged from a vendor in in a foreign country XXXX, for a product that I did not purchase. I informed Chase about the charge and was told the charge is valid, not because they did any investigation, but that the card was used before and after the fraud transaction. 

I would expect Chase to do an investigation, ask the merchant at the very minimum for sales receipt validating the charge, before assuming its valid, Chase did none of that. 

They further failed to furnish any information of their investation, other then to state the charge was valid.
Consumer complaint received 2022-07-23
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. (FL)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$9000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00}
Consumer complaint received 2022-07-23
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. (FL)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$9000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00}
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

On XX/XX/2021, I sent a letter to formally make a complaint about my incomplete and inaccurate credit information. As I know, It violates the Fair Credit Reporting Act, Section609 ( a ) ( 1 ) ( A ), and thus I wanted to have it investigated. I also demanded that they provide verifiable proof that has my actual signature in it. Additional information regarding this will be uploaded and I hope that this issue will be taken care of.