davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-15
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 (PA)

I am sure you are aware of 88 Stat. 1514, and FDIC 6000 Consumer protection ch.4 Sec 161-173 [ Codified as 15 USC 1666 A-J ] all under the terms and defined The Fair Credit Billing Act and myrights as a consumer. I am disputing the amount on my statement you send me every month. How can Ipay a positive amount? The credit balance is in a positive amount. I am fully aware that you send me astatement every month and this statement is my dividend check from Capital One for the interest I haveearned, as a result of Capital One is trading my securities on the exchange. This has been done withoutmy knowledge and constitutes that Capital One trustee listed above is committing SECURITIESFRAUD against me which is an automatic federal offense under H.R. 5037 2018, Pub. L. 116 Stat. 804 [ Codified as 18 U.S. Code 1348. ] USC Title 18 sec 8 & HJR 192- All debt is government obligations.15 USC sec 1681 b 2 - Company is violating my consumer right to privacy.
Consumer complaint received 2016-03-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (LA)

I got some furniture from Conn 's in 2014. Last XX/XX/XXXX due to over whelming bills I discided to file bankruptcy. The last part of XXXX. I lost my job. So I could not finish the payment of it. My lawyer told me to stop payments to all my creditors in XXXX Conn 's started calling on the hour in XXXX. I tried to ignore them after telling them that I was unemployed and to stop calling me XXXX12 times a day. Today they have called 6 times. When I spoke to Conn 's conserning the amount of calls they said it was on a auto dialer I then told them to take me off the auto dialer because that was harassment they wake up my Mother and brother everyday. All day long. The phone is in my brothers name. Now I can understand XXXX or 3 calls a day but XXXX to XXXX is unreal. So please I beg you look in to this?
Consumer complaint received 2023-01-13
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 (VA)

CapitalOne Venture One credit card charged me {$140.00} for services i did not receive. Capital One did not credit my account, Merchant did not provide service or credit my account.
Consumer complaint received 2018-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I recently found out that IC Systems has been reporting and re-reporting an XXXX XXXX XXXX collection to my credit reports since XX/XX/2014. I believe its for a landline phone, not a cell phone. I should not have any debts to XXXX XXXX XXXX, and I haven't had a landline in a very long time. So, I disputed the collection account via XXXX, who stated they contacted IC, who in turn verified it as accurate. I'm not really sure what else I could reasonably do, because I never received a bill or anything to tell me what this is for, even after I said it wasn't accurate.
Consumer complaint received 2021-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I signed up for a XXXX capital one credit card with a promotional bonus of receiving XXXX $ cash back when you spend XXXX $ or more within the first 3 months of opening the account. I spent more than XXXX $ within the first 3 months and never got my bonus. I just assumed it would take some time to show on my account. A month later on the XXXX month I call customer support to ask how I would be receiving the XXXX $ cash back and when I could expect it. They apologized for the inconvenience and after wasting an hour tell me that it will show up on my account for the next billing cycle. Then the same thing happened again the next month. I called in because i did not receive the bonus. After the XXXX month of me calling in again then they said that I did not qualify for that bonus and that the bonus I did get was a 0 % APR for the first 15 months. This was not the bonus I was supposed to get. This is fraudulent and misleading advertising because they still have it up on their website that you will get a XXXX $ bonus cash back. This is ridiculous that Capital One can claim that I will get it in the next billing cycle and then give me the run around for months just to say that I did not qualify for the sign up bonus which is still being advertised on their website. The only reason I opened that credit card with them being a new member was to receive the XXXX $ cash back. I will not be using Capital One in the future for misleading and fraudulently changing my bonus to something that I did not sign up for without my consent. Be aware of CAPITAL ONE, shady business practices.
Consumer complaint received 2020-12-23
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. (NJ)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2023-01-13
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-12-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've talked to the bank & they've agreed to update the account. BUT TransUnion has some internal block which they're claiming they can use to not update the account because they feel they're above the law. When questioned why they're not accepting the pdispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
When I investigated my credit report, I realized that some of the information was erroneous. The TransUnion credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : XXXX  XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX Date Opened : XX/XX/1996 Balance : {$18000.00}. Please remove.
Consumer complaint received 2019-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: MIDCOUNTRY FINANCIAL CORP (GA)

The account was paid in full on XX/XX/2019. 
The creditor was awarded a judgement for garnishment against me on XX/XX/XXXX. 
They left the account open and didnt start the garnishment until XX/XX/XXXX. 
I paid it off in full XX/XX/XXXX. 
They reflect the account as still being open and being in bad standing. 
They never reported the judgment or the payment. 
And the charged me over what judgement was.
Consumer complaint received 2019-11-13
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. (CO)

XXXX  ; Experian and XXXX are reporting incorrectly a collection in the amount of {$29000.00} on the US DEPT OF ED/XXXX/XXXX account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and there is no outstanding balance due. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-12-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate and verifiable credit information. I need that you eliminate this late payment on this account because they are reported wrong. You should corroborate your information and remove the negative information on this account. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Fix the account : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi my complaint is too major credit bureaus XXXX  transunion and XXXX i found 2 accounts on my credit report that were fraudulent.I tried to fix it sent them an FTC report opening a dispute.Every time it comes back as verified as accurate.And thats when i realize how incompetent they are and how not serious they look at fraudulent information on your credit report.I mean you check your credit report you see inaccurate fraudulent accounts you dispute them and it comes back as verified as accurate? I can not say what investigation they are doing but the results are shocking what can i do from my end for these type of information to disappear from my credit report? I did FTC report and here is the FTC report number i will also attach the copy to this complaint.FTC REPORT NUMBER XXXX. 
First one is XXXX XXXXXXXX XXXX XXXX ACCOUNT NUMBER  XXXX Second is XXXX XXXX ACCOUNT NUMBER XXXX Third is XXXX  Account Number XXXX Also There are some personal information that is wrong and inquiries that are also fraudulent.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2018-06-27
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. (IN)

My name is XXXX XXXX and I am a armed service veteran. My identity was stolen between XXXX and XXXX. During which time fraudulent accounts were opened in my name by XXXX and XXXX XXXX XXXX on my Equifax account. I have attempted to address the issue but have been unsuccessful. Please see the attached document from the Federal Trade Commision. I need these items removed immediately as it is negatively effecting me economically.
Consumer complaint received 2017-07-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (FL)

XX/XX/XXXX, PNC Mortgage offers a refi mortgage. ( 1st of 4 attempts ) loan officer abandons application and I receive denial for incomplete in mail. LO now gone, new LO has me resubmit, ( XX/XX/XXXX ) I 've now moved to a new career in new year, managed by staffing agency, underwriter does n't like it, processor wont return calls, and loan is denied for same reason. 3rd attempt, ( XXXXXX/XX/XXXX ) Loan redone again 3rd run on credit, underwriter again same issues, and processor from before again fails to do his job, after he was supposed to be taken off my loan and new team put on. Phone conversations with top of mortgage dept./underwriters continue, 3rd attempt on loan killed for " schedule B compliance. '' Underwriter/mortgage dept. invite and persuade me to resubmit once more, with the promise to be " more objective '' in the application, understanding staffing agency work is not " temp '' work. Submit again, underwriter immediately begins to demand the exact same things as before, breaking their word on objectivity, goes to the wrong employer dept. for verification of employment, gets an unskilled worker to give them incorrect info. I immediately notify loan officer and told not to worry, that I was just making something out of nothing. They were wrong, underwriter fails to bring their promise, I have to correct their work, as they refused to rectify the issue themselves. As soon as I do, they still refuse to accept, and actually went back to wrong office on purpose on a fishing expo. to find someone that will give them what they need to kill my application. I could have simply gone to another financial institution, but they promised they understood and pressured me to resubmit with them, and in the end now I cant submit anywhere, as PNC has killed my score, until sometime in the future. By XX/XX/XXXX my official denial letter from PNC loan # XXXX denied. Executive of customer relations unable to do anything, PNC Mortgage refuses to hold underwriter to their word, knows the UW baited me and then destroyed my loan as soon as I committed to the submission. UW defends with the email they went fishing and received stating " technically a temp '' and ignored the actual employer 's written responses ( the same one they used 3 of 4 times prior ) The fact they insisted I continue to work with them ( PNC ) and not go somewhere else, lent me an assumed trust and good faith in them. They NEVER gave me their required definition of a " Permanent '' employment. The crutch of the entire loan! I asked repeatedly for a copy of this requirement in writing, and they refused, I asked the executive of customer relations for it, they refused. It is a company imposed requirement, that NOBODY could offer in writing, and actually denied they were requesting employer 's for documents stating such, without a definition even for them to go by. To this day, I have never heard of any other institution requiring anything without a definition of it.
Consumer complaint received 2018-05-23
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: Credit Karma (IL)

On XX/XX/2018, a credit inquiry was initiated, but not by me. I contacted XXXX as advised by Credit Karma, but XXXX could not provide information regarding the account as they are claiming it was not reported by them. I contacted XXXX and their response was to obtain a statement from XXXX, stating that I did not initiate the request. I received paperwork to submit to XXXX to dispute the inquiry and they denied my request to remove the inquiry ... again because it's somehow not their account but has their name on it. The specific inquiry has something to do with " XXXX XXXX. '' They recommended I contact Credit Karma since its supposedly a known issue that had reached resolve, so I did, and Credit Karma suggested I contact XXXX. At this point, I'm being ran in circles and receiving no helpful information from any of the entities involved.
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

Experian is reporting that I am 90 days late on XXXX account that previously never reported me late at all. This is a huge mistake and is a violation of the FCRA. I am formerly asking Experian to remove this account as it is inaccurate.
Consumer complaint received 2019-07-26
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

LoanCare LN XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX CA XXXX XXXX XXXX Short Sale was started with XXXX on XX/XX/XXXX. It was service released to LoanCare XX/XX/XXXX. XXXX forwarded the ENTIRE package to LoanCare upon the service release. 

We emailed our authorization to LoanCare, per their request on XX/XX/XXXX. Today, they are still refusing to acknowledge our authorization. Additionally, they have done NOTHING on the file since receiving it from XXXX. -- -- -THEY HAVE HAD THE PACKAGE FOR ALMOST 30 DAYS AND HAVE DONE NOTHING!! -- -- There is no SPOC assigned. They are refusing to escalate this, management is refusing to speak to us, and we can not get a return phone call with a status on this. 


Aside from gross violation of their servicing guidelines, this is a VA BORROWER. Apparently LoanCare doesnt care about our military personnel. LoanCare doesnt care it is in violation of Federal and State Laws. LoanCare doesnt care it is in violation of their Servicing Guidelines. LoanCare doesnt care about CFPB guidelines.

******we are having issues on EVERY SINGLE ONE OF OUR LOANCARE FILES. LOANCARE has neither the knowledge, nor capacity, nor the personnel to service the files for which they are being paid servicing fees. This needs to STOP IMMEDIATELY. 

I want this file opened immediately as a short sale. I want a SPOC and negotiator assigned. I want the documents submitted to be worked on. 


CC : 1. OAG 2. XXXX XXXX 3. OCC