davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-01
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)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I submitted a complaint regarding the information that XXXX XXXX and XXXX  are reporting in regard to an account with Bank of America that has been " satisfied and is now closed '' as of XX/XX/2021. I have even provided the letter that Bank Of America sent me stating such. Additionally, Bank of America also supplied the XXXX XXXX XXXX XXXX XXXX ) with AC Form XXXX ( an official government document ) stating that their lien against the asset has been released as of XX/XX/2021. That document has also been provided to all of the credit reporting bureaus outlined above. Despite the submission of sufficient institutional and federally mandated documentation, Bank of America, XXXXXXXX XXXX  and XXXX  refuse to correct their error and have reported my dispute ( s ) as being " closed '' - blocking any further requests for action. I fail understand why, despite overwhelming evidence to the contrary, these institutions will not make the necessary corrections. As a matter of fact, when I last called Bank of America, they acknowledged that they actually owe me {$200.00} from the settled account yet have not supplied me with that refund.
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (MD)

XXXX XX/XX/21 I made a purchase from XXXX for {$150.00}. On XX/XX/21 I contacted as the item had not been received and was told it had been delivered previously. I informed XXXX that I had not received the items. XXXX made suggestions to ask my neighbors if one of them may have picked it up. That would not have happened and they would not turn the packet over. The next day I called again and once more I spoke with XXXX who was rude and disrespected me like a common thief- she said the only way to get credit is to sign an Affidavit- The form was sent while I was away- A series of phone calls were made to them denying receipt of the affidavit. XX/XX/21 I sent a 2nd copy and followed up with a string of phone calls- again, they had not received any of the XXXX copies. XX/XX/21, XXXX and XX/XX/21 XXXX said they did receive the document, but nothing could be done pass XX/XX/21. Not once during any of the phone conversations was I told there was a deadline. I contacted and filed a report with the Attorney General 's office and they intervened on my behalf trying to resolve the issue- to no avail. XXXX XXXX XXXX XXXX and Comenity Bank. The bill is now {$490.00} or thereabout with no resolution. I have copies of the correspondences with myself, the Attorney General Office, XXXX, XXXX XXXX, and Comenity BankXXXX They are stating that I am responsible for the item once it has been mailed ; how can I be held responsible for something that I did not get. Further, the affidavit did not state a deadline to return the form. Recent correspondence received indicated that they had indeed received the 1st copy which they stated was unsigned. Yet all the time they were denied receiving any documentation. It took 58 days from Maryland to get these 2 copies to Texas. Am I to believe that our USPS is so broken. I would appreciate some assistance in resolving this matter. By their own admission 105 days I find that very difficult to accept.
Consumer complaint received 2021-04-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MD)

Midland Credit is the company I was being sued by. I paid off in full in the beginning of XXXX. I received paid in full letter from Midland Credit and was told by representative no forward actions would be taken and they would forward information to the court. After speaking with the company over 3 times court has not received anything from Midland Credit and they have place a judgement against me. 
Please Advise. Thanks
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 — Account information incorrect
Company: EQUIFAX, INC. (LA)

XXXXXXXX XXXX account was settled a couple of months ago. XXXX, XXXX and Equifax are not showing the correct information on balances, that the account was settled and amount paid, etc. This information needs to be updated to be correct or delete this accounts from the the reports.
Consumer complaint received 2021-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (OH)

I opened a Marriott credit card with Chase Bank in XX/XX/XXXX2021. When opening this, I provided the Marriott account where points would go. The first statement, the points posted as it was supposed to. I then realized the following months ( when I had much larger point balances ) did not post. After calling into Chase three times, starting XX/XX/XXXX, I'm still being passed around. This is what I have been able to find out as of today, XX/XX/XXXX : - A new Marriott account was automatically created for me which apparently is where these points are going. I just found out what the account number is after having to do multiple calls ( and after waiting over 30 minutes to talk to a Marriott representative ), so I have no idea what points are in this account. 

- I was told the reason this happened is because my husband is the Marriott account holder and the credit card was opened by me. I would like to understand why this was not flagged when I was opening the credit card and why the first points posted fine, but then when I had higher point balances it started going to a newly created Marriott account which I knew nothing about. This seems extremely deceptive. 

- I have been passed back and forth between Chase and Marriott and as I type this I'm sitting on hold with Marriott which I have been on hold for 30 minutes now. Completely unfair that I have to spend my time trying to figure out where points are sitting that are rightfully mine.
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY (NY)

I APPLY PROMOTIONAL OFFER FOR 0 % APR FOR BALANCE TRANSFERS AMERICAN EXPRESS ( Blue Cash Everyday ) CARD. I REQUEST A BALANCE TRANSFER, AND IT WAS APPROVED, AND TRANSFER WAS INITIATED. AFTER I RECEIVED FIRST BILL STATEMENT I NOTICED THAT I HAVE BEEN CHARGED Interest on Purchases ( I DID NOT MAKE ANY ) ON MY BALANCE TRANSFER. CUSTOMER SERVICE STARTED TWO INVESTIGATION, NO RESULT FOR MORE THAN 60 DAYS.
Consumer complaint received 2023-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (NC)

I am the custodian for two XXXX  accounts through US Bank. I attempted to disperse funds to the minors, but US Bank will not allow me to set up an external transfer to the mother of the children because my account was given a " yellow '' rating out of fraud concern. So, US Bank was concerned about fraud with my account and made no attempt to contact me, and now they are saying it could take 3-4 business days to resolve. The cynic in me thinks that US Bank wants to make the external transfers of its customers difficult and slow to artificially buffer its ledger. But who knows what the truth is? All I know is that I don't feel well served by US Bank.
Consumer complaint received 2021-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

Because i was in the financial position to do so, I paid my credit card balance in full this month -- {$66000.00} -- to avoid future interest charges on the unpaid balance. I paid this online through my checking account as has been customary for years. The payment was initiated on XX/XX/2021, and the amount was extracted from my checking account electronically on XX/XX/XXXX, XXXX i received the following message from the credit card company : " Hi, XXXX XXXX We received your {$66000.00} payment and credited your Citi / AAdvantage Gold World Elite MasterCard account. Please keep this confirmation number for your records : XXXX. '' I called the credit card company this morning, XX/XX/2021, to report that two vendors had contacted me today and reported that their attempt to process payments I made to them via my credit card today were not honored. I was told that, even though the company acknowledged my payment, i could not use my card until after XX/XX/2021. 

I told the representative that this was wholly unacceptable, that I had an excellent payment record, was a 20-plus year customer, and needed to speak to someone who could help me since she obviously couldn't. She told me there was no one who could help me and that I would have to await this random hold on my account. I even asked her to at least give me {$10000.00} credit on my account which carries a {$67000.00} limit. She refused to do so. 

I find this practice absolutely abysmal, and there is nothing in any account agreement I have ever read that allows them to do this to me. 

Again, I am a good customer, I have an excellent credit rating and I refuse to tolerate this arbitrary and capricious practice.
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: Resurgent Capital Services L.P. (TX)

I began my dispute with XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX in XX/XX/17. I disputed these items because I don't feel that they are being reported in compliance with FACTA, the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.
Consumer complaint received 2021-10-21
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 (PA)

Capital One 's continued predatory credit card solicitations. I have filed 3 previous CFPB complaints against Capital One for new credit card solicitations by mail and telephone ( CFPB Complaint ID XXXX, XXXX, and XXXX ). Those 3 Complaints were for harassing me personally - XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX PA XXXX in XXXX, XXXX, and XXXX. I personally have not received any solicitations since XXXX. Now, Capital One credit card solicitations are coming to my address ( XXXX XXXX XXXX, XXXX XXXX PA XXXX ) addressed to my sister XXXX XXXX XXXX - EVEN THOUGH SHE HAS BEEN DECEASED FOR OVER FIVE YEARS, AND HAS NEVER RESIDED AT XXXX XXXX XXXX, XXXX XXXX PA XXXX. Also, she was on XXXX for the last approximately 5 years of her life, and Capital One pre-approves her for " up to {$2500.00} credit limit- per attached document!!!. 

This on-going, over six-year cycle of harassment has caused me tremendous emotional distress and trauma.
Consumer complaint received 2023-01-09
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)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one Auto is reporting a car loan on my credit report that does NOT belong to me. I contacted Capital one several times with NO answer and NO validation of this debt. I filed a police report and I want this account to be deleted from my credit report immediately
Consumer complaint received 2020-11-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MA)

I had a number associated with my paypal that I changed. It was XXXX. I wrote the XXXX  to ask Paypal to lift this so I could change my number as I couldn't get into my account. They did not and will not. At the same time, they won't let me open a new one with my banks because my banks are attached to the old account with the email XXXX, so I want it closed as I can not even get in to close it and they won't either.
Consumer complaint received 2021-05-28
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

A credit inquiry was done on XX/XX/2021 by XXXX XXXX XXXX XXXX XXXX XXXX. I didn't ask for any inquiry to be done. 

I left a voicemail at XXXX XXXX at number listed, I gave them my name and said stop doing credit inquiries. Their recording says not to ask for a call back. 

I've put a security freeze on all 3 credit bureaus, and notified XXXX XXXX  Fraud Department.
Consumer complaint received 2020-11-02
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: Experian Information Solutions Inc. (VA)

On XX/XX/2020 Attorney, XXXX XXXX acting on my behalf wrote to the three credit reporting agencies to inform them that my credit report was inaccurate in that it stated that six credit accounts which were listed as being discharged in a Chapter XXXX bankruptcy were not in fact discharged as the bankruptcy was DISMISSED, not discharged and the accounts should not have been listed as discharged. The credit reporting agencies " investigated '' and continue to list the Dismissed bankruptcy case as discharging the six accounts. 
XXXX XXXX, a Virginia attorney is assisting me with this now.
Consumer complaint received 2018-04-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings (TX)

The threatening letters these agencies send out are just wrong and very scary, I do not appreciate being threatened to be thrown in jail or having my things taken from me. I also do not appreciate being threatened to have my wages garnished especially when I live in a non wage garnishing state, and to be threatened that they will call my job and friends and family to discuss my debt should be punishable. I do not see how they can get away with threatening people like this.
Consumer complaint received 2023-01-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Our law firm represents the Seller of real estate in New Jersey. As part of the transaction our trust account bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was given wire instructions for a 1031 transfer agent, XXXX, XXXX ( " XXXX '' ) a customer of Capital One Bank ( " COB '' ). Unfortunately the wire instructions contained an error and as a result the funds entered the wrong Capital One account on XX/XX/2022. The error was discovered immediately and COB was notified by telephone and by the attached intra bank writing. We were told by the Treasurer Management Specialist XXXX XXXX ( # XXXX ) that an investigation would be launched " immediately '' but that resolution could take up to but not longer than ( 10 ) business days from XX/XX/XXXX. On or about XX/XX/2022 we were told by Capital One that the monies, {$61000.00} had been " frozen '' and that they would be returned to XXXX or transferred to the correct COB account shortly and that our law firm would be notified. Despite numerous attempts by our office, XXXX, and the office of XXXX, we have received no responses other than " we are working on it ''. It is now 14 business days after the investigation was commenced and the funds have not been returned or transferred to the correct account.
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Knight Adjustment Bureau (UT)

Knight Adjustment Bureau is reporting a debt on my credit file that I do not owe. I recently took a look at my credit and noticed this debt was reporting on my credit file. I immediately called and settled this debt as soon as I knew about it. I however, never received a 30 day right to dispute notice from Knight Adjustment. This is a violation under the FDCPA and the FCRA and it must be removed on that basis. I am aware that Knight Adjustment can report to the bureaus as they deem necessary since they are the furnisher. This account has been paid and I ask that they provide me with a deletion letter.
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved.
Consumer complaint received 2020-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (OH)

Guaranteed Rate Inc. continues to report my account as delinquent despite claiming in complaint id number XXXX XXXX that the matter has been corrected. 

Guaranteed Rate Inc. has not corrected the interest I am being charged. They merely credited my account with 2 payments in XXXX ( rather than applying the payment they lost in XXXX when it was made ) and they removed all the late fees they had been charging. Had the payment been applied in XXXX when it was made I would have been charged less interest.
Consumer complaint received 2022-11-17
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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