davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (IL)

On XX/XX/2022 I checked the mail at my business XXXX XXXX XXXX XXXX and noticed I received an offer from American Express, I figured I'd apply since they keep sending me officers every month saying GOOD APPROVAL ODDS if you apply. After Appling I was declined for reasons not clearly specified, and they stated in the denial letter that my XXXX score was XXXX which confused me even more on why I was declined. Its not good business practice to SOLICIT to consumers that their approval odds are great just to decline the application causing damage to the consumer report, making it harder to be extended credit in the future. After my denial for the business credit card I called American Express and applied for the personal credit card since they already pulled my consumer file and I wouldn't receive another inquiry. I was told buy the argent my application was under review. I received and email from American Express and the portal say provide required information, but when I click the view the full decision details it said declined because I was declined in the last 30 days.
Consumer complaint received 2021-04-28
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. (TX)

There are several things that are not being addressed on my credit file. I have disputed several times and no one is doing anything about it. I need some help The credit agencies are reporting inaccurate information XXXX XXXX XXXX XXXX - This account is passed the statute of limitations and is still on my credit file. 

XXXX XXXXXXXX - I DO NOT OWE this debt, this is inaccurate
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX
Consumer complaint received 2020-05-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant & Weber (CA)

I had some medical issues so I had referral appointments to the XXXX XXXX I had XXXX at the time every other appointments I had where taken care off.. I didn't get calls or any mail saying I owed a bill of {$160.00} And it showed up on my credit as a collection, this bill was suppose to be covered by my insurance. I tried to reach out to the medical office couple times no answers. Now this is affecting me for qualifying for a lease. This is unfair.
Consumer complaint received 2018-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/XXXX, I closed my Paypal Mastercard because the interest rate was too high. On my XX/XX/XXXX statement, the APR was 27.74 % ( for " Transactions on or before XX/XX/XXXX '' ) and so I assumed, because I already closed my account, the APR would remain at 27.74 % ( for " Transactions on or before XX/XX/XXXX '' ). I was not concerned about my current APR from transactions after XX/XX/XXXX because I had a XXXX balance at this point. Upon reviewing my most recent statement from XX/XX/XXXX, I noticed my APR was 28.24 % ( for " Transactions on or before XX/XX/XXXX '' ). I never received a letter or any type of correspondence regarding my APR was to be increased. Therefore, on XX/XX/XXXX at XXXX, I called Paypal Mastercard at XXXX and spoke with XXXX . I asked her about why my interest rate was so high compared to my previous statements. She replied that my interest rate is 25.24 % and that she didn't see it as 28.24 %. Then, I told her I was talking about the interest rate for " Transactions on or before XX/XX/XXXX. '' She then responded the same way - that my interest rate is 25.24 % and she didn't see 28.24 % anywhere. I told her that needs to be fixed because I felt the company was trying to deceive me. 

I have attached statements from XX/XX/XXXX to XX/XX/XXXX with " Transactions on or before XX/XX/XXXX '' highlighted in orange. Below the above phrase is " Regular purchases '' which I also highlighted in orange. I also highlighted the corresponding " APR '', " Balance Subject to Interest Rate '', and " Interest Charge '' that I am concerned about. I attached XX/XX/XXXX and XX/XX/XXXX for comparison 's sake, but the XX/XX/XXXX to XX/XX/XXXX statements are primarily my concern. 

XX/XX/XXXX and XX/XX/XXXX statements ' APRs are 27.49 %. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX statements ' APRs are 27.74 %. I never received a letter stating my APR was to be increased. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX statements ' APRs are 27.99 %. I never received a letter stating my APR was to be increased. XX/XX/XXXX and XX/XX/XXXX statements ' APRs are 28.24 %. Again, I never received a letter stating my APR was to be increased. 

I do understand my APR is a " variable rate '' but I had already closed my account. I also have other credit cards where the APR is a " variable rate '' but they don't fluctuate.
Consumer complaint received 2022-11-18
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: GOLDMAN SACHS BANK USA (MO)

Hi, A duplicate/incorrect installment charge of {$1100.00} was added to my card in XXXX statement. I filed a complaint with Goldman Sachs and it was determined that the charge on my card was incorrect and will be removed. I would not be responsible for the charge CASE ID : XXXX However, in the latest XXXX statement, the entire {$1100.00} charge was added to the my transaction list as " Cash Back redemption ( REVERSAL ) '' and I am required to pay this entire amount by the due date. I reached out to the customer care and they are pretty clueless about this. In my call with the manager who informed me about the resolution of the above case, it was clearly explained that I will not be responsible for the charge ( Feel free to review the call recording ). 

I have had more than 6 calls and 4 escalations with XXXX 's support team. It is really frustrating that there is still no resolution. I do not have the patience to call and explain the issue everytime I speak to someone at XXXX 's support.
Consumer complaint received 2020-05-24
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. (MI)

I sent validation letters as per Section 609 FCRA. There's a debt showing that was removed from XXXX  and XXXX. I disputed the debt 3 times all coming back confirmed but yet no original signed wet ink signature anywhere only an initial which was digital. I have no recollection of this debt and sent validating letters showing it was removed from other credit bureaus for being invalid. This is my last step to resolve this before litigation is in sued. Thank you
Consumer complaint received 2022-08-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I consumer XXXX XXXX have disputed alleged debt several times that CAPITAL ONE states that I owe. CAPITAL ONE refuses to send validation or verification and proof of alleged debt. CAPITAL ONE refuses to send any enforceable documents because they do not have them and they continue to harass myself the consumer about a debt not owed. I am under Article Three Standing of the Constitution for the United States and CAPITAL ONE is in violation for attempting to collect an unlawful debt. CAPITAL ONE is insolvent in this matter. I consumer extended and offered my credit to CAPITAL ONE pursuant to the TRUTH IN LENDING ACT and CAPITAL ONE converted my credit application into a loan application which was done without my consent. CAPITAL ONE has received credit for the consumer credit transactions and when my credit application was converted they made ill gotten gains on credit and did not report it to the IRS which is tax evasion. I will notify the IRS with the proper forms. CAPITAL ONE has taken my private information and misused is leaving myself the consumer no benefit in which is not equitable to myself the consumer. This is criminal behavior conduct by CAPITAL ONE. I do not owe this alleged debt, CAPITAL ONE is a creditor through extension of creditor who is now acting as a debt collect with furnishing false and deceptive forms.
Consumer complaint received 2022-07-14
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. (GA)

I have been submitting letter since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized remaining inquiries listed below : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. 
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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

FCRA Viloations not mine HIPPA Violatios not my medical bills LAW OFFICES XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$280.00} Open balance XXXX XXXX XXXX  XXXX XXXX Last reported XX/XX/XXXX {$690.00} Open balance XXXX XXXX XXXX  Original creditor XXXX XXXX & XXXX Last reported XX/XX/XXXX {$2000.00} Open XXXX XXXX XXXX XXXX Original creditor Not my Inquiries XXXX XXXX XXXX XXXX  XX/XX/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 2024-02-17
Product: Credit reporting 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. (IL)

unauthorized ; inaccurate information ; inquiries and collection INQUIRIES________ COLLECTION NOT MINE- 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 XXXXXX/XX/XXXX
Consumer complaint received 2020-05-24
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. (MI)

XXXX XXXX XXXX  XXXX XXXX XXXX  {$3300.00} - This account was successfully disputed and removed from my report. It has reappeared without explanation.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

Complaint Against Capital One Credit Cards Unfair Practices Regarding Returned Payment, Failure to Communicate During Medical Hardship, and Refusal to Address Late Payment Despite Hardship Program Dear Federal Trade Commission, I am writing to file a formal complaint against Capital One Credit Cards for unfair practices, inadequate communication, and a disregard for my medical hardship, all of which significantly damaged my credit standing. 

On XX/XX/year>, I was involved in a severe car accident that resulted in significant XXXX XXXX requiring XXXX XXXX  and treatment. You will find attached copies of my medical records to document this. During my XXXX, a payment on my Capital One credit card was returned. I have a longstanding history of on-time payments with this account and had never missed a payment prior to this incident. 

Capital One Credit Cards failed to take any reasonable steps to notify me of the returned payment. I only became aware of the issue after the payment was more than XXXX  days past due. Upon discovery, I immediately contacted Capital One, provided comprehensive medical documentation to explain the circumstances, and was subsequently placed on a financial hardship program.

Despite being enrolled in their hardship program, Capital One has refused to remove the negative late payment reporting from my credit history. This has had a detrimental effect on my financial wellbeing.

I believe Capital One Credit Cards engaged in unfair practices by : Failing to Exercise Due Diligence : Not making any effort to contact me regarding the returned payment, despite my previously consistent payment history.

Disregarding Hardship : Lacking any process to meaningfully address extenuating circumstances like severe medical emergencies, leading to immediate negative credit reporting.

Insufficient Resolution : Refusing to rectify the late payment reporting even after acknowledging my hardship situation and enrolling me in their hardship program.

I request that the Federal Trade Commission investigate this matter and compel Capital One Credit Cards to remove the negative remarks associated with this incident from my credit report. Their actions have caused undue stress and financial hardship during an already challenging time.

Thank you for your attention to this matter.

Sincerely,
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I deposited a certified check - a bank draft - from XXXX in branch and received a receipt specifying hold times and funds availability. Without notice Bank of America extended the hold for an additional XXXX  days. As per Regulation CC this extension seems unethical as my account has been open for XXXX  years - does not have a history of overdraft - I was not notified - and they are holding funds in excess of {$5500.00} on a guaranteed check issued by a national corporation.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: PENTAGON FEDERAL CREDIT UNION (LA)

I reviewed my credit report and reached out to Pentagon about my account status being in the negative and reporting bad information. This account has been paid but they have refused to take the negative history and reporting off and not have put in back in good standing. They stated to me that they negative will still report because it has to report for 7 years and they it will eventually come off. This has been affecting my credit report and I am trying to fix the negative accounts so that I can get approvals and rebuild.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Today ( XX/XX/year> ), I received a XXXX Capital one restricted my account. When I called to ask why, they said they wanted to confirm that the XXXX was for personal reasons. When I confirmed, they kept asking me strange questions without telling me why my account was restricted. 

This was the first XXXX I received from someone other than my mom. Capital one is holding my {$200.00} and wont help me. Ive never had this issue with XXXX XXXX or any other banks. 

I just need assistance.
Consumer complaint received 2022-08-25
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. (IA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-11-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery placed an account on my credit. They never validated the account- its not mine!! My name is XXXX XXXX XXXX. I also have an uncle that shares my name. I had an account on my credit from Portfolio Recovery on my credit- it's not mine. I have reached out to them a few times about the debt and they have yet to respond to me. Its been 6 months. The account appear to be from XXXX XXXX. I never had an account with them.
Consumer complaint received 2024-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RC Willey (UT)

I called R.C.Willey on XXXX XXXX and talked to XXXX with RC Willey accounting department. I explained to her that my credit report lists a derogatory item from RC Willey. The reporting date is XXXX XXXX for a XXXX delinquent account.with a balance of {$4700.00}. I provided her with the account number as listed in my credit report. I also provided her all PII she requested. She told me that she is unable to locate the delinquent account information in RC Willey XXXX or XXXX XXXX. However, she was able to find 2 accounts. One was openned while living in XXXX, CA and the other I told her it is not mine. The XXXX account was paid in full which she verified was under my name and my husband 's. She promised me she would take care of the account and remove the derogatory item within the next 30 calendar days. It is now XX/XX/XXXX and the derogatory item is still showing in my report. Please help me remove it as I'm unable to obtain credits.
Consumer complaint received 2022-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. Attached you will also find my ID, Proof of Address with my most recent bill and SSN Card.