davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I came to Capital One located at XXXX XXXX XXXX XXXX, MD XXXX on Saturday morning XX/XX/22 with {$6500.00} in {$100.00} bills. XXXX XXXX waited on me. After putting my money through the money counter ( that I could not see ) she informed me that it was not {$6500.00} but {$5600.00}. She manually counted it in front of me and it was indeed {$5600.00}. She convinced me that I had made an error. I am not sure what she did but I do know that I brought {$6500.00} into the bank and gave it to her. I could not see the money counter machine when she counted my money. I believe she stole {$900.00} of my money. She caught me and a very vulnerable time. I had a lot on my mind. Taking care of my wife recovering from XXXX, other personal things and now this. The one thing I can not believe is that she would take advantage of an XXXX man and a United States XXXX XXXX Veteran ( I was wearing a XXXX T shirt and mask. ) I have seen thieves disguised as customers robbing the bank but never thieves disguised as bank employees robbing customers.
Consumer complaint received 2020-12-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

My name is XXXX XXXX. Date of Birth is XX/XX/XXXX. My social is XXXX. 

I reached out to XXXX XXXX on XX/XX/XXXX in regards to account XXXX. I attached the letter I sent certified. I also attached their response I received on XX/XX/XXXX which was only the name of the original creditor and alleged dates of service and amount owed. I attached the enclosed information. I filed a CFPB complaint on XX/XX/XXXX advising that the information was not validated. They responded advising that they validated the debt by sending the information that was merely the name of the original creditor and alleged dates of service and amount owed. I filed another CFPB complaint on XX/XX/XXXX advising that XXXX has still neglected to provide me with validation as requested by me and required by law. Please direct them to delete all unverified accounts from my credit reports. Thank you very much for your help in this matter, it is greatly appreciated. This company responded to my last CFPB complaint advising that this debt was verified. This debt was NOT verified lawfully under the FCRA. I have yet to receive any PROOF that I signed any contract to be in agreement with them and that I owe them any money. They did not send me proper verification ( WHICH I ATTACHED. ) They sent alleged account information. That is not enough. 



I received in the mail on XX/XX/XXXX all of my medical records for the alleged debt which includes services rendered, medical tests I received, detailed medical information, etc. This company violated my privacy in which I am protected under XXXX laws. They sent my medical records WITHOUT a XXXX release form. I never gave covenant medical group permission to release my personal information such as specific treatment or medical tests I received outside of basic collecting information. 


This company knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. They failed to use reasonable care during business and failed to use even minimal procedures to ensure that I was not harmed. 

I will take any and all necessary steps to protect my rights. If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the FTC. Since you are the reporting agency reporting this information that is inaccurate and violating my rights, I will include your company in a potential lawsuit. Should you continue to operate disregarded for the law, I intend to seek redress in civil action for recovery of damage, costs, and attorney fees. For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from you. 



These accounts need to be deleted off my credit report expeditiously : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-19
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. (MO)

In previous months, I requested the correction of an erroneous item that another credit reporting agency found to be inaccurate and had fixed. Due to the Bureaus ' lack of response, I classify it as frivolous, XXXX and TransUnion have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them one more chance to correct their errors and update my records. Please update the following account, which Credit Bureaus have failed to provide proper verification and another bureau has found to be inaccurate. They have 30 days to VALIDATE the account listed below : XXXX XXXX Balance : {$110.00}
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have several student loans on my credit report that are reporting inaccurately. I have been sending letters to the credit bureaus ( XXXX, TransUnion XXXX XXXX ) for the past 4 months. They keep " verifying '' and " updating '' but nothing ever changes. I have sent several letters via CERTIFIED MAIL. The last letter I sent was a factual dispute POINTING OUT the inaccuracies and it still came back " UPDATED & VERIFIED '' with the SAME inaccuracies. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX v Trans Union Corp., No. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for you willful non-compliance. YOU ARE REQUIRED BY LAW TO REPORT 100 % ACCURATE INFORMATION ON MY CREDIT REPORT THERE IS NO WAY THAT THE SAME ACCOUNT IS REPORTING DIFFERENTLY ON EACH BUREAU. THE ACCOUNTS IN QUESTION ( US DEPT ED ). 

I WILL BE ATTACHING THE LETTERS I HAVE SENT AND WILL BE ATTACHING THE LAST REPORT SCREENSHOT FROM XX/XX/XXXX AND A SCREENSHOT FROM TODAY XX/XX/XXXX TO SHOW THERE WAS NO UPDATE IT WILL BE TIMESTAMPED. 

FIRST LETTER : XX/XX/XXXX CERTIFIED MAIL SECOND LETTER : XX/XX/XXXX THIRD LETTER : XX/XX/XXXX CERTIFIED MAIL
Consumer complaint received 2022-01-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I wired funds on XX/XX/2021 From my Bank of America account and on XX/XX/2021 I recalled the wire transfer as it went to an account that was closed at XXXX XXXX. XXXX I guess will not respond to BofA and I can not get my {$2000.00} back
Consumer complaint received 2020-07-08
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 — Investigation took more than 30 days
Company: Professional Adjustment Corp. of S.W. FL., Inc. (FL)

INVESTIGATION IS TAKING LONGER THAN 30 DAYS Sent letters to XXXX, XXXX  XXXX XXXX   XX/XX/2020 about inaccurate information on my credit report XXXX XXXX XXXX  {$290.00} Outdated PROFESSIONAL ADJMNT CO {$1300.00} Outdated XXXX XXXX XXXX {$180.00} Inaccurate
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (MO)

XXXX  is reporting an account that was closed and paid in XX/XX/XXXXas though i have a recent missed payment on it, as recent as XX/XX/XXXX. I have tried to get them to fix this but even though the evidence is available and obvious and American Express agrees that this account has been closed And paid since XX/XX/XXXX, XXXX  wont change it. If they do not remove this recent derogatory information is will be forced to file suit under the fair credit reporting act. This is negatively effecting my credit according to XXXX own website and I have been trying to refinance my house. This is costing me thousands of dollars. If XXXX  doesnt take simple, honest corrective action here I will get my attorney involved.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

MY IDENTITY WAS STOLEN IN CREDIT ACCOUNTS, STORE CARDS, CAR LOANS ETC WAS OPEN WITHOUT MY ACKNOWLEDGEMENT I HAVE FILED A POLICE REPORT ALONG WITH AN IRS IDENTITY THEFT REPORT ALSO REPORTED IT TO XXXX XXXX
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Account number ending in:XXXX  This account is not reporting correctly on my credit report. Right now it's reporting as a collection/charge off on my XXXX XXXX credit monitoring report. It was never a collection account. Please contact the creditor and verify that this account should be reported as never late and paid and full.
Consumer complaint received 2022-01-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group (GA)

On XX/XX/2021 I received a letter from XXXX XXXX  XXXX counselors at law indicating that they were attempting to collect a debt. I sent them a response to dispute the debt and requested information to validate the debt. They failed to provide me with pertinent information and the information is false and misleading. As it is my understanding that an Attorney can not serve in the capacity of a debt collector. There is no evidence of signature or a copy of my identification proving that it was in fact me that initiated this loan. There is no ledger of the account and general ledger statement showing the full accounting of the alleged obligation they are attempting to collect from me, signed and sworn by the person responsible for maintaining these records and having first-hand knowledge as to their accuracy and authenticity. There is also no signature wet ink or electronic signature on the Disclosure and consent to electronic receipt of loan disclosures and electronic contracting e-sign Consent or the credit profile authorization One of the documents gives the principal amount at charge off. Which indicates that this loan has been charged off. However, this statement and several others do not have any identifying information connecting me to such obligation. 
Now I am receiving solicitations from attorneys indicating they would like to represent me in the lawsuit that was filed against me by VelocityXXXX XXXXXXXX XXXX 
This is causing me undue stress and sleepless nights!
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I reviewed my consumer reports and noticed that my payment history is not correct. the consumer reporting agencies have assumed a vital role and have the responsibility to report consumer information to the best of their ability with maximum accuracy. This account was paid in full. Please investigate and provide proof with statements showing that this account was settled for less then owed. If proof can't be provided I demand this account be updated as to paid in full or removed from consumer report. 
Please see attachment. 
15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2022-07-19
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. (LA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} XXXX Inquiry Date : XX/XX/2021 XXXX Inquiry Date : XX/XX/2021 According to FCRA Section 605B ( a ) the Equifax shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-02-24
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hello I received a {$300.00} credit limit on a Venture XXXX card I think this is very low credit limit and I have a good credit score of XXXX with XXXX and this is a mistake on XXXX  XXXX end and I would like a second review on this account and a larger credit limit increase not sure if they want to pull the other XXXX bureaus or not I will give them permission to do so. 


{$300.00} limit is not that limit I wanted on this account please review my account for credit limit increase
Consumer complaint received 2018-03-15
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. (IL)

I was never late with on any payments with XXXX XXXX, It has a XX/XX/XXXX late payment reporting on my credit report on all 3 bureaus. I have been a loyal customer since XXXX. I never had a history of late reporting, however there is a history on my reporting XX/XX/XXXX which I dispute. I never disputing XX/XX/XXXX because I thought it was a oversight. The one from XX/XX/XXXX it really seriously affecting me!!!
Consumer complaint received 2016-08-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

This is a dispute response from CFPB # XXXX to the Wells Fargo Mortgage response letter dated XXXX XXXX, 2016. Wells Fargo 's research was incomplete and inaccurate in the evidence it outlined supporting their position on pursuing foreclosure to my property. They did not document in their letter all recorded conversations with all of the representatives which were assigned to my case ; the recordings would show that what the representatives communicated to me by phone was not reflected in the letters sent by Wells Fargo. Not all of the letters sent by Wells Fargo were included in the documentation outlined by the bank ; such as the two letters dated the same date of XXXX XXXX, 2016. One was from my representative outlining the procedure for a loan modification and one from the attorneys at Wells Fargo indicating the bank was accelerating foreclosure on my property. The other letter which is questionable and listed in their documentation was the letter dated XXXX XXXX, 2016 which I received a week after the aforementioned letters. This letter informed me that my Disaster Relief Program had ended in XXXX, 2016, yet I received the letter in XXXX. Wells Fargo claims it was just a administrative error and the letter was not generated in a " timely manner ''. That is a huge administrative error! How can my representative send me a loan modification packet dated the same date as the attorney 's letter announcing accelerating foreclosure with a sale date of XXXX XXXX, if Wells Fargo was honestly going to consider me for a loan modification? It would only give me about 3 weeks to submit all the necessary paperwork, wait for their decision, and then if declined scramble to come up with all the money necessary to reinstate my loan. Also, the date of the property inspection for foreclosure listed in the Wells Fargo letter was misleading ; they listed XXXX XXXX, 2016 and the company that came out to take photos of my property came out on XXXX XXXX, 2016 while I was still technically in the Wells Fargo Disaster Relief Program. I personally believe that Wells Fargo continues to be the " bully of foreclosures '' knowing they are protected by the federal courts and therefore get away with deceptive, misleading tactics towards their mortgage customers who are struggling financially. I think the company seeks to put consumers in their Disaster Relief Program with the hidden intent of pursuing foreclosure, especially with properties that have substantial equity, as with my property. Those who have experienced a natural disaster and are trying to repair and rebuild their homes are weary and susceptible. They are vulnerable to companies claiming to want to help them during their difficult situation ; yet these companies are carefully calculating how they can profit from a consumers misfortune. I would like to see XXXX pass legislation that would require mortgage lenders to approve loan modifications to consumers that are in their Disaster Relief Programs.
Consumer complaint received 2022-01-18
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: SYNCHRONY FINANCIAL (GA)

Synchrony Bank closed my Paypal master card on XX/XX/XXXX without notice. I received a letter a few days later stating that the account, as well as two other credit cards that I had with Synchrony, were closed due to me being high risk, At the time that the Paypal XXXX card was closed, I had cash back rewards of {$260.00}. This amount is confirmed on the statement that I received on XX/XX/XXXX. However, there is no way for me to redeem these rewards. I called customer service. Neither the representative nor the supervisors were able to help. They simply stated that the cashback rewards were forfeited and that they would not be credited to me. 

This is an unfair to me. The bank earned money from me using the credit card and should pay me the cashback rewards that I earned.
Consumer complaint received 2022-01-18
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 — Investigation took more than 30 days
Company: National Credit Adjusters, LLC (TX)

The creditor has ignored my request of this alleged debt and has FAILED to send proper validation. Therefore this is FRAUD. This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future.