davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I am a victim of fraud & identity theft. I contacted XXXX and XXXX  TWICE. They refuse to remove fraudulent account/ activity on my credit report. They keep doing investigations but never remove it. Accounts : Capital One # XXXX I have mailed, faxed, and called repeatedly about my account that resulted in a charge off due to fraudulent charges on my credit report. I've uploaded and sent my identity theft affidavit, identity theft report from the FTC, and a police report. This is my second complaint in regards to this issue. They just keep investigating and then it remains based off of what Capital One says but no where do they offer proof that this account was not fraudulently used. It was my account but had unauthorized charges that unfortunately I did not become aware of until the charge off appeared on my credit report. This is causing me much unneeded stress/XXXX. I paid the Capital One account in full anyways because I needed an immediate credit score boost. Not because it was indeed my debt. Last I used my account I had a XXXX balance.

Please help me get this resolved. For Identification purposes the last 4 of my SSN : XXXX
Consumer complaint received 2018-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I was traveling in XXXX from XX/XX/2018 through XX/XX/2018. While there i used my Capital One Venture card exclusively for many purchases. I am very careful with my spending and keep a close eye on all purchases. Due to internet limitations on this trip i was not able to check my statement until returning home to the United States. When i got home i discovered 3 fraudulent charges totalling over {$3500.00}. They all had unrecognizable merchant names and said " dining ''. I have never spent over {$50.00} for a meal let alone anywhere near {$1900.00} as one of the 3 charges showed. I filed a fraudulent claim with Capital One. They removed the charges, and then over a month later i received a later stating they determined the charges were not fraudulent, and if i had any new info to contact a phone number. I called this number during business hours 8 times. Every time it went to a busy signal. No voicemail, no message, just a busy signal. So i called the general fraud line and they agreed yes it is a busy signal and they don't know why, but they will leave a note someone to contact me. At this point I noticed the charges had now re-appeared on my account. After several days i received a voicemail, and called them back the next day, this time actually getting through. I spoke with a representative and they have removed the charges again and say they are re-looking into the fraud. My main issue here is a few things ; 1 ) The  system for contacting the agent investigating your case is horrible. There should be a voicemail or at least a message of some kind, not just a busy signal. 2 ) I have not been given any proof of how they are determining that this is fraud. They say they can't read the receipt because its in XXXX, and are simply implying its all legit because the card has a chip. 3 ) Its extremely obvious that something is amiss as the address, names, and amounts of the charges are all suspicious. I will also add that the other person i was traveling with also had fraudulent charges on his card ( although it was XXXX ), and his case was immediately handled and he was not responsible for the charges. The 3 charges are for {$1900.00}, {$1000.00}, and {$480.00}
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Self Financial Inc. (TX)

I paid my Self-Financial credit card account-XXXX off and received verification that my account was closed on XX/XX/XXXX and I would receive a payout of {$220.00} via XXXX XXXX XXXX on XX/XX/XXXX. 
On XX/XX/XXXX I received an itemized break down from Self-Financial and was informed " the payout is what you paid in less the interest on the loan and any fees to date. '' Here is the itemized breakdown of the payout : Total Paid {$580.00} Total Interest - {$44.00} Returned Payment fee ( s ) - {$0.00} Late Fee ( s ) - {$17.00} Early CD Withdrawal Fee Accrued CD Interest - {$0.00} + {$0.00} Self Visa Credit Card Deposit ( if applicable ) - {$300.00} Payout Owed {$220.00} After receiving my payout, I was assured the account was closed. 
Unbegnknownst to me, In early XX/XX/XXXX I became aware the account was still active and accruing interest in addition to late fees upon receiving a notification from my credit monitoring report. 
The worst part is that self-financial reported the account that had been previously closed to the credit bureaus, negatively impacting my credit report on false records. This is ironic, as Self-Financial literally advertises that the company will boost your credit score. 

I would like the outcome to be that my all late fees are credited back to my payment account on file XXXX and that the false information be removed from my credit report as Self-Financial has negatively impacted my ability to obtain new credit. 
I have tried working with the company several times and even requested a goodwill letter for the sake of my credit, but even the goodwill letter request was denied, although I did nothing wrong as the account was paid off.
Consumer complaint received 2022-06-19
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. (CA)

To Whom It XXXX Concern : I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX XXXX XXXX XXXX - Account Number : XXXX Date Opened : The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information.
Consumer complaint received 2022-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (KY)

On XX/XX/XXXX I applied and was approved for a new Citibank checking account. 

I was offered a {$300.00} to {$1500.00} " Checking Cash Offer '' by Citibank for this new account depending on the account balance and the completion of certain required activities. 

On XX/XX/XXXX I contacted Citibank via chat to confirm that my new account was enrolled in and qualified for the Checking Cash Offer. The representative indicated that I indeed was enrolled in and qualified for the Checking Cash Offer. 

According to Citibank 's terms and conditions, I must not have " owned a Citi checking account in the last 180 days '' in order to qualify for the Checking Cash Offer. 

180 days before XX/XX/XXXX is XX/XX/XXXX. I did previously own a Citibank checking account. That account was closed on XX/XX/XXXX. So, I did not own a Citibank checking on XX/XX/XXXX, which means that I am qualified participant in Citibank 's Checking Cash Offer. 

I closed this previous account via chat with a Citibank representative on Citibank 's website on XX/XX/XXXX. This representative told me that " the account is closed '' NOT that it will be closed soon or any other variation. My access to Citibank 's website was immediately terminated following this chat. 

After I completed all of the required activities for the new account Checking Cash Offer, I initiated a chat with Citibank to confirm my completion. During this chat on XX/XX/XXXX, a representative relayed that Citibank 's records showed my previous account was in fact closed on XX/XX/XXXX -- which would disqualify me. 

Based on all available evidence, the XX/XX/XXXX date is just not true. It is false and ridiculous to assert that I had ownership of the account on XX/XX/XXXX, and XXXX when my online access was terminated, ATM card deactivated, and a Citibank representative told me verbatim that my account is closed. Citibank 's records can not be solely relied upon, as they have been issued consent orders from the Federal Reserve Bank and OCC for, among numerous other deficiencies, their data quality management and information systems. 

Now, if my chat on XX/XX/XXXX was correct in that it takes 2 business days to close an account, then either I was lied to and misled in XX/XX/XXXX or I was lied to and misled in XX/XX/XXXX. 

I made a good faith and diligent effort to make sure I was qualified for Citibank 's Checking Cash Offer but Citibank will not pay me due to some combination of their lies, misdirection, and poor data management.
Consumer complaint received 2021-06-07
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: FORD MOTOR CREDIT CO. (NY)

I do not recognize any of these inquiries. I never applied nor authorized the application of these accounts. 
XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FORD MOTOR CREDIT CORP, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-07
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: CITIBANK, N.A. (AZ)

I have 2 separate Citibank cards that they both dropped the available credit balance to essentially what I owed on each which was 35 percent or less of cards being used I had nearly 700 credit and never late on payments
Consumer complaint received 2018-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

I have a personal college loan through HESAA in NJ. I usually make my monthly payments via credit card. On XX/XX/18 I tried connecting my checking account to the portal to pay via my checking account because I was being charged a fee every time I used my credit card. I follow the video they direct me to, I link my checking account, and I submit the payment for that month via my checking account. A few weeks to a month later I get a notice in the mail that my loan payment is late and that I am delinquent. 

I log on to the HESSA.org to find that my checking account payment had been bounced back. I immediately file a claim with HESSA and petition to have the delinquency removed since I was unaware my payment bounced back. This was also my first late payment so they removed the delinquency and made my account current.

But my credit score has not improved since they made my account current. It was above 700 before all this, but now it is around 650. How can I inform the credit agency to have my score go back to what it was prior to this incident?
Consumer complaint received 2022-06-19
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX Acct # 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 a account without my written instructions
Consumer complaint received 2022-06-19
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX Acct # 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 a account without my written instructions
Consumer complaint received 2022-03-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2021-05-10
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: TRUIST FINANCIAL CORPORATION (TX)

In the Fall of XXXX I purchased a vehicle that was financed by Sun Trust Bank. I immediately went online and attached my bank account, placing the note in auto-draft so my car note would never be late. I do all my monthly bills that way -- -set it and forget it -- -just making certain that I have ample funds in the account so I never overdraft. However, at some point earlier this year XXXX XXXX XXXX, Sun Trust bank deleted my banking information without my knowledge and promptly placed two late fees on my credit report, causing great damage to my high credit score. When I made a phone call to the company, they deleted one of the late pays but refused to delete the other one, saying that every 6 months I was supposed to login to my account and keep it active or else they assume it is inactive and delete it. This 'policy ' is NOT true. Had it been true, my banking information would have been deleted in XXXX ( Long before XXXX ) because I've never logged into Sun Trust for ANY reason until recently. I have written them, called them, been placed on hold numerous times, written them again and I've still received no satisfaction or correction. My last letter to them ( XX/XX/XXXX ) was not even responded to. Meanwhile my credit scores have gone down from the high XXXX 's where all three bureaus were until Sun Trust bank deleted my banking information. I need them to delete the erroneous late payment information because as soon as I learned that the account was behind ( through NO fault of my own ) I contacted them and brought it current. In the entire time I have had a car loan with them I have never been late and my bank records can attest to that. Also, I feel that if they've been this careless and callous to do this to me, there are others who have also suffered the same fate. This so-called 'policy ' of theirs needs to change and change immediately! I am ready to contact a private attorney in this matter if necessary because I feel that my rights have been violated. If I give a company access to my bank account so they can withdraw from it every month, but they delete the information -- -how am I at fault??? Why have I been made to suffer?
Consumer complaint received 2022-06-19
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. (VA)

In accordance with the Fair Credit Act XXXX XXXX XXXX XXXX XXXX XXXX Acct 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 2022-03-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-03-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (WA)

On XX/XX/2022 I have filed a dispute letter to all 3 credit buruaus XXXX, XXXX, Equifax to validate alleged debts on my consumer file. they Have failed to show me evidence bearing my original signature in a timely manner. They have failed to comply with their own policies a timely manner
Consumer complaint received 2022-03-06
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: EQUIFAX, INC. (CA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-06-19
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. (VA)

In accordance with the Fair Credit Act XXXX XXXX XXXX XXXX XXXX XXXX Acct 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 2022-03-06
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. (CA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2018-05-18
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

CASE # XXXX This is a relatively small amount of money but it's the principle of the thing they stop serving breakfast they didn't have what we wanted it's not my fault if you would have pushed them to respond which I know you haven't then they would agree that during the time that I was checking out is when they stop serving breakfast which means that I paid for something I never caught but Capital One failed to do their due diligence and they're allowing this company to steal my money I didn't sign anything and there are cameras why don't you ask them for the camera footage will see I don't have anything whenever I'm leaving I never got any food why don't you ask them for this proof that's because Capital One doesn't want to do the work to support their card members and one last thing there's no receipt because I didn't buy anything
Consumer complaint received 2022-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2021-04-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I comsumer XXXX, XXXX, XXXX entered into a consumer credit transaction with XXXX XXXX Bank in are around 2015. I used my credit card as defined under 15 USC 1602 ( l ). I've never conducted any business with this company PORTFOLIO RECOVERY. They have violated numerous consumer rights. I've sent them a consumer enforcement settlement order do to those violations, but haven't heard back from them.
Consumer complaint received 2022-06-19
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: I.C. System, Inc. (NC)

In accordance with the fair credit Reporting act XXXX XXXX. XXXX XXXX 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 stated a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.