davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-02
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 (CA)

Last month, I called in to request the annual fee be waived on this card because my level of use of it didn't justify the fee. The fee had been charged in the current billing cycle.

The representative told me that wasn't available but I could perform a product change to a no-fee card ( XXXX instead of XXXX ) to get the annual fee refunded. This is a standard way of refunding an annual fee at all credit card issuers including this bank. Fast forward to today where I called in to ask why the annual fee refund hadn't been refunded. Unfortunately, a poorly trained representative tried to tell me that this wasn't a policy and an option as the fee was being charged because of benefits I receive with the card. It didn't sway her that I was no longer getting these benefits because I had a product change to a no fee card instead of a cancellation despite them being equivalent in receiving benefits you pay for, that the fee is always charged in advance so the fee was being charged for future benefits I was never going to receive, that this is standard practice of all credit issuers including Capital One, especially within 30 days and that is what I was told when I performed a product change and wouldn't have done it otherwise. I am fed up with this bank as it has gone downhill due to greed where I can't even talk to an agent online and now this deliberate deception. This agent engaged in completely insane circular logic that is probably a pattern now to frustrate consumers and get them to hang up and give up.
Consumer complaint received 2023-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Portfolio Recovery is reporting account XXXX Orginal Creditor XXXX XXXXXXXX XXXX XXXX as delinquent. This account is paid in full. ( see attached documentation ) received XXXX/XXXX/2023 XXXX balance.
Consumer complaint received 2018-03-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

I have been participating in the XXXX XXXX XXXX XXXX program, certifying my employer annually and receiving updates on how many qualifying payments I have made yearly. This XX/XX/XXXX was the first time I've been made aware that 13 of my payments are no longer considered as qualifying payments. In XX/XX/XXXX, I paid XXXX cents more on a payment due in XX/XX/XXXX and XX/XX/XXXX. My loan servicer states this put my account in paid ahead status continuously for 13 months, therefore disqualifying all XX/XX/XXXX payments and a payment made in XX/XX/XXXX. I  paid the exact amount owed according to my repayment plan from XX/XX/XXXX-XX/XX/XXXX. It does not seem appropriate that {$1.00} could be applied to construe my account as paid ahead when my payments in XX/XX/XXXX were $ XXXX/month, and later closer to $ XXXX/month.
Consumer complaint received 2023-03-03
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: CITIBANK, N.A. (GA)

The approximate dates on when I had enough of Citi Band Credit Card is XXXX XXXX XXXX XXXX XXXX Credit card gets declined at certain places although credit is available. 
They place a hold on your account claiming they can't verify you. 
Issues with verification Can't make payments or check balances The company must send a code to your phone, call you and send a letter to verify it's you to take hold off of the account. 
Representatives claim they are trying to verify you and if they can't they claim fraud and this delays the process of having access to your account. 
They claim this is to help protect you. 

This happens too often and is very stressful and embarrassing. I don't experience this type of service with any of my other credit cards. 

I check my accounts regularly. If there are unapproved transactions on my account, I can contact the company immediately myself.
Consumer complaint received 2021-05-24
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: Lending Club Corp (FL)

I was a victim of identity theft and as a result several account have been reporting in my credit report i have try resolving this matter directly with the company providing then documentation of these fraudulent account XXXX XXXX XXXX # XXXX 
LENDING CLUB CORP # XXXX XX LENDCLUB XXXX # XXXX
Consumer complaint received 2021-05-31
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. (TN)

I recevied my credit report and found an account that is not mine. This account may be a family member 's account. The account in dispute is : XXXX XXXX XXXX XXXX XXXX XXXX with a reported balance of {$19000.00}.
Consumer complaint received 2020-09-09
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Incomm Holdings Inc. (NY)

I purchased a XXXX gift card from the XXXX website for my Fathers birthday. My credit card was charged. After 3 weeks, my father did not receive it. I contacted customer service and found out that the card was sent to the wrong address ( per their error - I inputted the address correctly ). They are not refunding my money nor providing a replacement card.
Consumer complaint received 2022-11-16
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. (NY)

In accordance with the fair credit reporting act XXXX  account XXXX XXXX  # XXXX, has violated my rights In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, has violated my rights In accordance with the fair credit reporting act XXXX  account DEPT OF EDXXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have rights 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 2021-04-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc. (MA)

I noticed that my credit score took a XXXX point hit. I called XXXX and they said that it was put on by PDM debt mediation. I do not know who PDM is or why they are trying to collect a debt. I have received no information, notifications, or correspondence from them. I believe this is fraud.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

These accounts on my credit report has been taken care of with the company XXXX. They were both paid in full as you will see in the attachments and agreed to be removed as a paid for delete. Ive disputed this information with Equifax at lease twice but they still refuse to remove from my credit report as XXXX did. This information is preventing me from receiving approval for a Mortgage loan for myself and family. These accounts were paid on XX/XX/2019 ( {$100.00} ) and the other on XX/XX/2019 ( {$130.00} ).
Consumer complaint received 2023-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX a little after XXXX I drove to the arm machine located in XXXX XXXX CA to make a deposit of XXXX. I went through the drive up atm inserted my card and deposited the cash. The machine kept making noises and I noticed it was taking longer than usual it then gave me a receipt saying the machine was out of order ( no signs on machine prior to use ) to contact my bank. I called a chase while still by the atm and filed claim. I was given a credit but today XX/XX/XXXX chase reversed the credit and claimed the deposit money I deposited was not there when they counted the money for that day. I now cant pay my mortgage and have fees accumulated due to this issue. I wanted re investigated or get a subpoena so they can review the video of that day!!!!
Consumer complaint received 2023-03-08
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: General Motors Financial Company, Inc. (GA)

Create In accordance with the fair credit Repo act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have right to privacy.

15 USC 1681 Section 604 A Section 2 : also states a consumer reporting agency c furnish a account without my written instructions.

15 USC 1666B : A creditor may not trec payment on a credit card account und open end consumer credit plan as late purpose.
Consumer complaint received 2021-12-08
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. (PA)

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX BANK XXXX XXXX XXXX, XXXXBANK/XXXX  XXXX, XXXX  XXXX BANK XXXX, XXXX XXXX XXXX, XXXX BANK XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXXXXXX. As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2020-06-04
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. (VA)

Equifax ; XXXX and XXXX  should not be reporting a chargeoff on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is in judgment status and scheduled payments are being applied. This reporting is a violation of the Fair Credit Reporting Act. It is mandated by the FCRA that accurate information be reported on a credit report. This false reporting of a chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2018-03-02
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 — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (CO)

XXXX XXXX XXXX XXXX XXXX Credit Card was closed on XX/XX/XXXX from a Chapter XXXX bankruptcy. XXXX XXXX is only Credit reporting agency to correctly report on my Credit report. XXXX XXXX is claiming that my account was charged off in the amount of {$7500.00} and is currently holding a balance when in fact the account was closed during my bankruptcy. 

To my knowledge this account is the same number as submitted with my bankruptcy, if it was not closed then someone other than myself has opened this Credit card in my name. 

I have sent letters to XXXX XXXX  XXXX XXXX  on XX/XX/XXXX, XX/XX/XXXX trying to get this taken off my credit report but they keep saying that it was confirmed with no evidence of validation of competent evidence bearing my signature.
Consumer complaint received 2023-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (TX)

I told them that I dont know anything about the debt. I asked them to provide the paperwork work that I signed or they should should me proof that I owed the debt but the refused to show me and I told them not to put it on my credit.
Consumer complaint received 2023-03-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Business Bureau, Inc. (CA)

XX/XX/2023 I certified sent email to the company, California business Bureau address, XXXX XXXX XXXX, XXXX via California stealing that the account was not mine receive a mail back. The stadium at the account was mine and the amounts was lowered but I looked on my credit report. All dates were in correct I asked the company because they told me it was verified to send a copy of my signature and the date that the account was open they could not provide me with that information
Consumer complaint received 2021-12-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My car was stolen and a deemed a total loss due to theft. My insurance company paid off the car and there was a balance of {$980.00} left in which gap was supposed to cover but did not. So I paid the off the balance in full myself over a few months. I notified them and they agreed to work with me. I kept up my end of the bargain by making sure the loan was paid in FULL. I've written to them twice and asked them to remove the charge off and mark paid in full and close the loan but as of today they have not done that.
Consumer complaint received 2021-05-31
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: GreenSky, LLC (TX)

This is a formal complaint against Green Sky LLC located in XXXX, GA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA XXXX XXXX. Despite my efforts to resolve this unfortunate nightmare for several months now, Green Sky XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2021-07-19
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)

I called Transunion to get inaccurate account removed. Earlier this week XXXX  removed these accounts from my credit report. However Transunion is still providing an inaccurate credit report which is a false representation of my character, and amount of debt according to 15 usc 1692e. I demand these be removed as they are violating my consumer rights. They are also furnishing my report with these accounts without my written consent according to 15 USC 1682b, which is another violation of my consumer rights. They are currently improperly handling my credit report.
Consumer complaint received 2023-04-10
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. (GA)

Date of Inquiry ; XX/XX/2021 Company : XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, RI XXXX Request Originator is fraudulent activity and I have already contacted all 3 credit bureaus and reported this fraudulent activity that was not authorized by me or attached to any open account. I am contacting you guys to have this fraudulent inquiry removed.
Consumer complaint received 2022-04-08
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 (PA)

I charged two rooms for one week on my Capital One credit card for an all inclusive resort ( XXXX XXXX XXXX  XXXX XXXX ) on XXXX XXXX, XXXX for a vacation for myself and family to arrive XXXX XXXX, XXXX for {$5900.00} each for a total charge of {$11000.00}. 

Due to Covid, we had to cancel our reservation on XXXX XXXX, XXXX, and XXXXXXXX XXXXs promptly gave us a full refund for both rooms ( i.e., two separate refunds for {$5900.00} each, which is where I think the problem started ), for which I have written proof. 

Capital One only processed one of the refunds for {$5900.00} and for the past 3 months has refused to acknowledge their error. The issue here is NOT with the merchant. They have been very forthcoming about their having submitted two refunds, not one. 

I have sent documentation of proof of all of this to Capital One and have gone through their lengthy complaint process, all to no avail. They do not seem to realize that the issue is with them, not the merchant.
Consumer complaint received 2021-07-19
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: Experian Information Solutions Inc. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX NA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2021-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/XXXX and XX/XX/XXXX I sent written correspondence to Transunion regarding an inaccurate bankruptcy listed on my Transunion credit report. I called to find out that the information was verified as accurate. I requested the method of verification and it was not supplied, resulting in the second dispute letter being sent. The information in the credit file regarding the bankruptcy I do not recognize and was not shared by me. The reporting of this item is unauthorized and resulted in my social security number being used fraudulently by Transunion. It has prevented me from obtaining credit, employment, and housing. 

Transunion has failed to properly investigate and respond as per FCRA requirements. Therefore, Transunion has to cease reporting this item.
Consumer complaint received 2018-02-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc (TX)

After pulling a copy of my credit report i notice that this company is reporting on my credit report and reporting some inaccurate not proven compliant misinformation and i request that this account immediately be removed from my credit report. i disputed this with the credit bureau as well and has uploaded a copy of my letter attaching it to this complaint.
Consumer complaint received 2023-03-07
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: Convergent Resources, Inc. (FL)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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