davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-01
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: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2022 my credit card company posted a charge for {$160.00} from XXXX  by Marriott which is not supposed to be a charge on the card when I found out about that I contacted my credit card company and told them that I didn't authorize this charge so they open a fraud dispute regarding that charge and credited the balance back on my account, but recently the fraud department from the credit card company contacted me and told me that they have to dismiss this dispute and advised me to call them back to open another dispute for an unauthorized charge by the merchant with an agent over the phone. When I did try doing that, the agent from the Chase credit card company told me because the fraud department has closes dispute in the favor of Marriot I have to pay that amount and they can not help me open another dispute or else I have to write a letter and mail it to them and then they will decide whether they can open a dispute or not. I firmly believe that this is unjustly trying to make me pay for some thing that I didn't authorize on my card. As I paid the full balance of my stay with Marriott with my another card, and this card was just used for identification purposes which shouldn't be charged with any kind of fee or payment as I have the proof that I paid the full amount with my another Chase credit card. I informed them regarding what I am saying here, but they are not ready to listen to my side of the story and not opening another dispute and unjustly trying to ask me to pay the amount.
Consumer complaint received 2020-12-08
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNT IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Because of the COVID pandemic Californians have XXXX XXXX protections in place that are supposed to prevent creditors from reporting late payments. 

XXXX XXXX XXXXXXXX # credit-score No credit score changes Available to all Californians Automatically prevents late or missing payment info from being shared with credit reporting agencies This protection is available without any action on your part. 

Well, XXXX XXXX  and XXXX XXXX both reported late payments. I have tried disputing these with the Credit Reporting Agency and have had no luck getting them removed. I already previously filed complaints against XXXX XXXX  and XXXX but they have done nothing to help ( going as far as outright refusing to remove stuff even when other creditors did ).
Consumer complaint received 2021-08-17
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 (MA)

I received several e-mails from Capital One ( specifically on XX/XX/2021, XX/XX/2021, and XX/XX/2021 ), inviting me to " see if I was pre-approved '' for one of their credit cards. Notably, Capital One offered that doing the above would have " no impact on my credit scorXXXX. '' On XX/XX/2021, I accepted the above invitation, entered some information, and was informed that I was, indeed, " pre-approved '' for one of their credit cards, and was invited to apply. 

Moments later ( XX/XX/2021 ), I did, indeed apply for a Capital One credit card, and was immediately told that my application was denied. Additionally, I now have at least one additional " pull '' on my credit history, which I would have very much preferred not to have had, particularly if I knew that I'd be denied for the card I was invited to apply for.

Capital One 's practices ( at least with me ) appear to be deceptive, fraudulent, and predatory.
Consumer complaint received 2020-12-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VA)

I have been employed as an XXXX  for a state/local government agency since XXXX of XXXX, and have been in an income-based repayment ( IBR ) plan since that time in an effort to secure Public Service Loan Forgivenes ( PSLF ). My loans are currently serviced through FedLoan and have been since approximately XXXX. 

In XXXX I filed an employment certification form pursuant to that plan, and on XX/XX/XXXX I received the response for a beginning certification date of XX/XX/XXXX through XX/XX/XXXX. I was deemed to have made seven ( 7 ) qualifying payments during that time. On XX/XX/XXXX, I called the servicer and according to my notes taken at the time of the call, I was informed that my payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all counted. I was told that the payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all came through the system as late. She told me that she would be able to likely fix some of those payments. This was apparently done as my estimated eligibility changed from the XX/XX/XXXX to XX/XX/XXXX after subsequent employment certifications. 

In XXXX of XXXX, FedLoan created a PSLF payment tracking system. On it, for the first time, I became aware that my XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments were deemed eligible, stating that " Payment is Pending Manual. '' It has been nine years since these payments were made. If these three payments are deemed eligible, I will be eligible for forgiveness in XXXX of XXXX, rather than XXXX of XXXX.
Consumer complaint received 2020-10-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rosebud Economic Development Corporation (CA)

I have received numerous calls from this company, I asked for proof of debt as I have no knowledge of this company, I was told they would send information of the debt via email, that never happened, when contacted again, I asked for this information and was referred to their website. i have no knowledge of this debt or this company, I informed them that I had been a victim of identity theft, case number XXXX. To date, I have not been provided with the documentation.
Consumer complaint received 2020-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNT IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2017-09-19
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 (VT)

This complaint is against Capital One. I have a GM Card. Upon logging online into my existing GM XXXX Card, I was notified that I would have to go through a reenrollement process because Capital One has a new platform for servicing the card. I attempted to go through the process, and while the system recognized me ( it demands an existing customers social security number in order to do this process! ) it did not recognize my password.
After waiting thirty minutes online with a XXXX XXXX customer service rep, she indicated that she did not know what to do, and would have to transfer me to technical person. Another ten minutes and I reach technical support, who also can not figure it out. Twenty minutes later and multiple failed efforts, we esablish a new password and the system appears to log me in, but no data loaded. We are now past an hour, and my technical service person is stumped. So, he places me on hold for ten minutes while he asks his technical person, who tells him, " oh yeah, we are loading the data in waves and it may be three or four days before it loads. '' So, my complaint : 1. Capital One has a failed system for transitioning its customers from one platform to the next. It has not loaded the password data in its system to verify enrollment ( I had to create a new password ). Nonetheless, it is forcing its customer to begin the transfer process, when it should know that it will fail and the old system is unavailable.
2. Capital One demands my Social Security Number in order to proceed with the transfer onto its new system. Not information I want to share online.
3. At every step of the way, Capital One staff are in the dark, unaware of the system 's glitches, including the fact that even when a customer is successful, the data has not loaded, so it appear to the customer to have failed.
4. No information or explanation is provided to the customer about any of the above problems. Indeed, Capital One 's own CSRs are in the dark.
5. After waiting 90 minutes I reached a supervisor, who was aware of all these systemic failures, including lack of password data to enable customers to complete its own process, the fact that no data will be present for days, and most importantly that none of the system shortcomings are communicated in advance to customers or customer service staff so that a customer does not waste over 90 minutes trying to go through its process. The supervisor was not impressed.
So, a terrible experience using the system Capital One requires me to use, when it knows that due to the lack of underlying data it will fail on the front end ( no password data ) and fail on the back end ( still loading customer data ) and it communicates none of this online.
This truly is the XXXX of credit card companies. Incompetent at best.
Consumer complaint received 2021-09-20
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: EQUIFAX, INC. (GA)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2023-01-29
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. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I am filing this complaint for myself not anyone else. Remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Consumer complaint received 2023-01-11
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. (GA)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have several Capital One credit cards and have had them for years. When i accumulate enough miles I convert them to awards with their airline award partners. I have converted rewards a number of times in the last few years, most recently in XXXX of 2024. Today I tried to convert miles again and when the website texts me a code to verify my identity, it says it cant be verified. I have had the same number for 30 years and they have sent me codes many times. I have tried for hours today without it working. I have been on customer service calls for hours with no help at all. So I need this fixed quickly in order to take advantage of a fare sale going on now. I am unable to use the miles in my account at all and no one at Capital One can or will help. I am so frustrated!
Consumer complaint received 2020-10-12
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: Experian Information Solutions Inc. (NJ)

AFTER REVIEWING MY CREDIT REPORT I FOUND ACCOUNTS THAT DOES NOT BELONG. THIS IS MY 3RD TIME WRITING AND DISPUTING THESE INACCURATE ACCOUNTS THAT IS HINDERING ME FROM DOING BETTER IN LIFE ... DATES ARE XX/XX/20, XX/XX/20 AND XX/XX/20
Consumer complaint received 2020-12-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (NJ)

I've requested the company provide with me all copies of signed loan documents regarding this loan as I don't remember taking this loan out and might have been a victim of identity theft with this loan. The company continues to harass me and charge me a monthly loan payment for this loan. The company continues to report this loan to the credit bureau dispute my request for validation of debt.
Consumer complaint received 2021-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (CA)

XX/XX/2021 XXXX XXXX XXXX and XXXX XXXX XXXX Alliance Data XXXX Loyalty Circle CoXXXX, OH XXXX Re : XXXX/Comenity Credit Card Account # XXXX XXXX XXXX XXXX Dear Mr. XXXX, On or about XX/XX/2021, I received an alert about an account delinquency from my credit monitoring service. I was informed that my payment for my XXXX/Comenity credit card was missed and reported XXXX to XXXX days past due. This was the first notification I received and immediately paid the entire amount due and brought my account current. 

During these past months, our family has been impacted by COVID-19 both personally and financially. We've made every effort to stay current with our debt obligations and I have never been late with any payments as my credit reports show - in fact, I have never missed a payment in over 15 years. Regrettably, with all that is happening, I inadvertently failed to pay my XXXX/Comenity credit card by the due date, and made the payment after 30 days had elapsed. This was never my intention, but my mind was simply elsewhere with all the COVID-19 worries and stresses we've been recently dealing with. COVID-19 has brought our family too much agony and recent deaths.

Such reporting from XXXX/Comenity adversely impacted my credit rating and lowered my overall credit score in excess of 75 points. I have included copies of my credit reports from before and after the adverse reporting, which are dated XX/XX/2021 and XX/XX/2021, respectively. 

As we all know, creditors and credit lines are our financial lifelines and absolutely necessary during all phases in our lives, especially now with so many families falling on hard times. Unfortunately, the information reported by XXXX/Comenity has a significant impact on my opportunities to solicit new credit lines or take advantage of refinancing my mortgage at a lower interest rate. 

In light of the above, it is important that you know that I understand my financial obligations and responsibilities, and that I'm not trying to skip or ask for any debt forgiveness. I am simply asking that you please approve a onetime courtesy adjustment and delete/suppress the XXXX to XXXX days past due reported on my credit report. Your deletion/suppression will help me tremendously with restoring my credit worthiness and being able to secure new lines of credit. Thank you in advance for your understanding and consideration and am hopeful that you can assist with my request. 

Sincerely, XXXX XXXX ( P ) XXXX ( E ) XXXX XXXX
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

I opened a best buy citi store card and since the start of me having this card its been nothing but problems. I cant place a order online because my orders all get cancelled for some unknown reason. Also my card is always gettting locked everytime i attempt to use it. When i call into customer service its almost always with someone overseas who has no business dealing with accounts they speak bad english and they are very rude. Ive called in numerous times with my the pin thats mailed to me and still its not good enough. Complete joke of a company
Consumer complaint received 2020-12-08
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. (TX)

This is my formal communication in an effort to get this inaccurate and invalid account from my credit report. I have sent several dispute requests to Equifax  and XXXX  to investigate the XXXX XXXX account, which is reporting inaccurately on my credit report because I have NEVER done any business with XXXX XXXX & they are reporting this account as if they are the original creditor when they are NOT. 

I sent a communication to XXXX XXXX XXXX XXXX, requesting validation of this debt and they sent me a communication stating they were a 3rd Party Debt collector, collecting on behalf of Purchasing Power. However, if you take a look at my credit report ( see attached ) XXXX XXXX is reporting on my credit report as an " original creditor '' who has charged off an account in my name and transferred it. 

I have attached a copy of how this account is reporting to my XXXX  and Equifax  report, and if XXXX  and Equifax  were conducting a proper investigation they could easily determine that this account shouldn't be reporting as an " original creditor '' to who I owe a debt to. 

Also, if you take a further look, XXXX XXXX XXXX XXXX is reporting a payment status of charged-off on XXXX, but as " Late 120 Days '' on Equifax. Additionally, Equifax is double reporting this same account as a " charge off '' and as a " collection '', which is a clear violation of the FCRA. It's clear that XXXX XXXX XXXX XXXX is conducting deceitful and unfair practices in an attempt to coerce me into paying a debt, I HAVE NEVER OWED TO THEM and haven't validated that I have even opened up this account with them. 

I've exhausted my attempts to correct the inaccurate and invalid account with the credit bureaus and they have refused to do so. My next step is to contact my attorney general followed by a civil lawsuit against all 3 companies.
Consumer complaint received 2023-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (NC)

Velocity, CKS Prime stated while attempting to collect a debt, that it is not legal for them to remove a collection item from my credit report for 7 years, as it is proven differently on this very site. I request CKS Prime/Velocity, to provide me with all the assignment paperwork showing they held legal rights to any funds from me, and they failed to do that, and the case was closed. I still request in writing, good will deletion, or 30 days from the previous request for documentation that was not provided before the case was closed. I really don't want both myself, and CKS Prime to waste our resources over a couple of accounts already marked closed, but if that is the route CKS Prime/Velocity wishes to take, they may hear from me often.