davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I was not working for a short time over the summer but was staying up on my payments. I did not realize I had a couple return payments and when I went to make a payment today ( XX/XX/2018 ) Capital One ( credit card ) informed me they had closed my account on XX/XX/XXXX and I was not aware of this. I also spoke with a customer service representative less than a week before this and was never once informed my account could be closed or would be closed if this was not taken care of. 

I let them know I was calling to make a payment and wanted to take care of any issues on the account. They said they were happy to take my payment but could not make any promises that the account would be reopened. This does not make any sense. 

The issue is why would I or anybody want to make a payment and take care of the account if they are not going to reopen it. I would prefer for it not to go to collections for 7 years and get written off but I also am not going to make a payment if they are not going to reopen the account. The lady did say there is a chance they would reopen the account after payment is made but they could not make any promises. 

The only options available to me were to make a payment and see if they reopened the account or to not make any payments at all and just let the account stay closed for good and just let the collections go which is ok by me if that's how Capital One does business. If they are not willing to reopen the account than I don't think it makes any sense for anybody to continue to make payments. It seems to make sense though for Capital One to allow me to pay on the card and reopen the account and it would be a win win for everybody. Instead we aren't getting anywhere and there is no real winner.
Consumer complaint received 2022-11-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ORG GC GP BUYER, LLC (FL)

THIS COMPANY HAS REPORTED ME TO ALL 3 CREDIT BUREAUS A COLLECTION ACCOUNT I KNOW NOTHING ABOUT & WAS NOT NOTIFIED. THERE LAST RESPONSE STATED MY ADDRESS DID NOT MATCH, HOWEVER THIS COLLECTION ACCOUNT IS STILL REPORTING AS A NEGATIVE ACCOUNT THAT IS HURTING MY CREDIT. THIS ACCOUNT WAS NOT VALIDATED AND WANT IT OFF MY CREDIT REPORTS UNTIL THIS ACCOUNT CAN BE VALIDATED BY LAW G C SERVICES XXXX XXXX  {$470.00}
Consumer complaint received 2022-07-26
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)

This is my 9th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX WY XXXX, SC XXXX XXXX XXXX XXXX CT XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : {$2300.00} XXXX XXXX Balance : {$63.00} XXXX XXXXXXXX Balance : {$93.00}
Consumer complaint received 2018-11-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

an unauthorized transaction appears on on my saving account, but i did not lose your card, security code, or PIN or had any of them stolen, i contacted Wells Fargo bank straight away and they told me that they were to investigate and get back to me. 5 days passed and I talk to a banker at my local branch and was told my case was dismissed and was denied as theft their for any money taken from my account wasnt refunded even though I have never reported any theft to any of my accounts. Nothing was return to me.
Consumer complaint received 2017-02-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Midwest Recovery Systems (NY)

On Saturday, XX/XX/2017 at XXXX a.m., I checked my credit score as a regular action as I frequently do. I was proudly checking to see if since I have made a year of perfect payments as of XX/XX/2017 on my very first auto loan, if any thing positive point-wise happened. I have worked very hard to keep my payments on time, on top of setting up payment arrangents for at-fault debts. Upon opening my XXXX app on my cell phone, I noticed that my score instead of increasing, has actually dropped by XXXX points. I was very confused and scrolled down to see why ; only to find that I was charged a single ( I believe ) defaulted medical payment for XXXX $ from an agency called Midwest Recovery Systems. It immediately raised an eyebrow as I have NOT been contacted by this agency prior to it just being thrown to my credit report, on top of which was the most concerning is I have n't even had so much as maybe one doctor 's visit in the past year! And I was very diligent prior to the dr. visit of checking my insurance because I did n't have the funds for out of pocket expenses.I did some searching online to find that not only myself have experienced this issue with this " company, '' but numerous reports - ( XXXX Reports noted by the XXXX as of this day ... which inidicates the number of consumers that have been negatively/wrongly affected ) - There are reports I have read from even the beginning of THIS month ranging from the same amount as mine all the way to nearly XXXX XXXX This company is fraudulent and they are hurting innocent people and causing a lot of time consuming headaches. I have, prior to this submission of a formal complaint through CFPB reported the fraudulent charge to XXXX who has already deleted the " account '' from my report in less than a day. This is shameful for someone to actively target people for no reason.
Consumer complaint received 2023-03-23
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. (PA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX Balance : {$21000.00}
Consumer complaint received 2022-07-26
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. (NC)

I have contacted the three major credit reporting bureaus several times in regard to this matter, that being XXXX XXXX XXXX demanding debt validation. They continue send me letters stating it has been verified without providing me proof i.e., a document bearing my signature entering into any agreement with XXXX XXXX XXXX. I am only asking them to do what is required under the Fair Credit Reporting Act, that they provide a document bearing my signature wherein I have agreed to do business with XXXX XXXX XXXX.
Consumer complaint received 2018-11-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (TX)

The caller will ask for my address and say they have all my information, but need me to confirm my address. They say they are calling in regards to a personal matter and will not tell what it is. I have answered their calls at least three times and told them that I will not confirm my address until the tell me what they are calling about but all they will say is that I is for personal matters.
Consumer complaint received 2021-04-13
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: The CBE Group, Inc. (NY)

There is a fraudulent CBE GROUP/XXXX XXXX account on my credt. Please see the attached FTC report and remove it from my Credit. I have contacted CBE group and they have marked the account as FRAUD and yet they are continuing to report on my credit.
Consumer complaint received 2018-11-16
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

My Name is XXXX XXXX Capital One Quicksilver credit card costumer account # XXXX XXXX. On XX/XX/2018 I open on the line an credit card account with an promotion bonus of {$150.00} Bonus Earn a one-time {$150.00} cash bonus once you spend {$500.00} on purchases within 3 months from account opening. I was qualified and in the three weeks I received the card which I activated. I spend it more than {$500.00} on purchases within 3 months from account opening and waiting the bonus to be posted on my account but that never came. I call customer services to see why those bonus never posted on my account. And customer service stated that you really apply it for this card but we decided to give you a card named Capital One QuicksilverOne which doesnt gave you the promotion bonus of {$150.00} Bonus Earn a one-time {$150.00} cash bonus once you spend {$500.00} on purchases within 3 months from account opening but only 1.50 % cash earning. I think that Capital One Quicksilver credit higher management, purposely posted false advertisement by confusing customers and do not keep their promises or advertisement and cheating customers. Shame on those banks that do anything to make profit by posting false advertisement. Due to this situation I closed my account but Im looking for reimbursement. This card now is linked to another card number # XXXX.
Consumer complaint received 2018-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (IN)

This is the 3rd collection agency that has attempted to collect on this account. The account is NOT MINE, my information keeps being bought and sold and it needs to stop. This account needs to be removed from any credit bureau it is being reported to immediately. I will file a law suit and a complaint with the attorney general if these actions do not stop immediately!
Consumer complaint received 2017-12-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WA)

Asked XXXX XXXX to remove closed paid in full account, the account was XXXX XXXX. XXXX recieved letter and sent a notice to both equifax and XXXX that they closed the account and dropped my credit score by XXXX  points in both cases, XXXX XX/XX/XXXX and equifax XX/XX/XXXX. i called equifax they said that couldnt happen from a closed account, tryed to get documention they would not give it or any info on why my score went down. Your help in this matter would be greatly appreciated. 

Sincerely XXXX XXXX
Consumer complaint received 2018-11-16
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: EQUIFAX, INC. (NC)

Equifax has been reporting this XXXX acct XXXX acct number XXXX after they know it fraudulent because they blocked it with the full account number then left the account with the partial account number! XXXX  blocked it and I sent Equifax a Certified USPS letter over a week ago asking them to do the same with Proof and the lady named XXXX in Consumers Affairs refused saying I could have another 30 days but no  block. I asked by whose authority she simply kept repeating the same thing over and over! I am asking you The CFPB to help me with this annoying problem that they could care less about!!!
Consumer complaint received 2018-11-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I have explained under the FCRA that the debt that this company is trying to collect is not valid. I have sent out a letter XX/XX/2018. I have also mailed out a second letter on XX/XX/2018 asking to validate the debt in which they have not. I mailed out my third letter on XX/XX/XXXX under the FCRA and asked to provide documents with my original signature in which they have not. I have also mailed out a cease and desist letter out on XX/XX/XXXX after receiving numerous calls from various numbers under that company. They have also reinserted debts onto my report without notifying me.
Consumer complaint received 2018-11-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX, I sent letters to the credit bureaus. I had discovered errors that I wanted them to investigate, and this letter requested that. I was supposed to hear back from them within thirty days, but I have not.
Consumer complaint received 2018-11-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

Was told that after I sent money through XXXX that I would receive the concert tickets I was purchasing. Once sent, the other person never responded and never sent tickets. Felt secure sending through XXXX because someone has to link their email, bank account information, name and phone number. Was given all of this information so how is there no way to reverse the transaction. Have reached out to chase within 5 minutes of money transfer, my bank, and was told that they will file a claim but that they can not reverse the transaction.
Consumer complaint received 2018-11-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (GA)

I purchase my vehicle on XX/XX/XXXX from XXXX. Right after I purchase my vehicle I was laid off work on XX/XX/XXXX. I had no income to pay for the loan. My family and friends trying assisting me in my car payments. I contacted the lender and explain to them that I had lost my job and I wanted to return the SUV and Cancel the loan. Santander was very rude to me and told me NO. I have been struggling a whole year trying to pay this high car payment of {$750.00}. My contract states with XXXX that I only had 5 calendar days to return the car it was 12 days after I purchase it. I owe {$30000.00} back in XXXX and XX/XX/XXXX they put those 2 payments on the back end of my loan and reported to all 3 credit reports that I was 30 days late even though they have taken it but those loans on the back of the loan. Because I'm still looking for employment so that I can take care of the car loan I'm back again 2 months behind going into 3 months because I just can't afford the vehicle unless they lower my payments or take the car back and not give me a repo on my credit report.
Consumer complaint received 2023-03-19
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. (MN)

Please Delete this address, XXXX XXXX XXXX XXXX XXXX, CO XXXX from my Credit Report for inaccurate residential information because I have never lived at this location. My address is XXXX XXXX XXXX XXXX XXXX. 

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

Also 15 U.S.C 1681 section 604 A Section 2. states, a consumer reporting agency can not furnish an account without my written instructions. 

According to the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights
Consumer complaint received 2020-11-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I have had a perfect payment history on accounts of mine for the past 17 years. I have had an account with Bank of America for over two years now and back in XXXX, the listed that a payment was past due between 30-59 days. I understand that the payment was late but what I don't understand is why i was never reached out to and notified. I am enrolled in paperless statements per their constant asking so I didn't receive anything in the mail from them and checking my online account, their is no " notifications and Letters '' available. 

What happened was I was enrolled in the auto pay program that paid a payment of {$50.00} per month to cover the minimum payment of {$32.00}. XXXX as of XXXX ) On XXXX my payment went up to $ XXXXmo due to purchases that I had on the card. I had the understanding that my payments were set up to pay my minimum payment like all my other credit cards that are in good standing but I was incorrect and it was set for a fixed payment of $ XXXX/month. 

On XXXX My account was {$70.00} past due ( unnoticed ) bringing my payment to {$140.00}. All the time thinking that I was automatically paying the monthly payment and not a fixed amount. 

On XXXX my past due amount was {$160.00} with a current payment due of {$160.00} bringing my payment to {$320.00} Currently my wife and I are looking to move to a rural area in Missouri for a new job opportunity. Since their is no rentals in the area, we are looking to be new first home buyers. Due to this ( in my mind ) massive misunderstanding, my credit score has dropped over 80 points and we no longer qualify for a mortgage. My report has been marked for the month of XXXX as 30-59 days late on a payment when I indeed was making payments but unknowingly making a fixed payment and not, what I thought, was the true minimum payment. My wife is also 6 months past her turn in date on her leased vehicle due to Covid-19 and she is in desperate need of a reliable vehicle so she can take proper care of our XXXX year old. 

I have tried so hard to keep in good standings with all creditors that I owe and I have never been just, left to deal with it? I didn't get any positive response from BOA and rather just told that it is all my fault and I should have paid my bills. Please please please help [ me get this removed from my credit report and have my payments properly restored to paid and on time. 

since all of this has occurred, I have paid down my balance from almost {$4000.00} down to under {$400.00} and the account will be paid off at the end of the month to {$0.00}
Consumer complaint received 2020-06-06
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}. 
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  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account.
Consumer complaint received 2022-07-26
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. (MD)

I submitted a letter to the 3 Credit Bureaus dated XX/XX/2022 to update this inaccurate account. I think you have not confirmed this information in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again : XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-07-26
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. (MD)

I submitted a letter to the 3 Credit Bureaus dated XX/XX/2022 to update this inaccurate account. I think you have not confirmed this information in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again : XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-07-26
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. (FL)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$8200.00} XXXX XXXX Balance : {$5600.00}