davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (WA)

To whom it may concern, I need your help. XXXX  is XX/XX/2022. I made 3 transactions for scammers via XXXX, and the total amount I lost was {$2900.00}. When I know they are scammers. I went to US bank in XXXX to support me. I told the banker to cancel my transactions. she said she could not do that. I asked her to create me a new account because I worry the scammers will hack my account and steal my money again. Today I called customer service of US bank. Once more time I asked for help me cancel my transactions. She said she can not cancel those transactions. She said it is my fault. I was not in control of my account. I also told her " my transaction is under Federal Regulation E. '' The US Bank must help me. I need US bank to protect me from scammers. I feel the rights are not spent for victims. When I know my transaction to transfer for scammers. I told them please help me cancel it. They did not do that. If those transactions can not continue, the scammers can not do anything, and I can not lose my money. It is my money. Why I can not decide on my transactions? I feel unfair when I hard work to earn my money. This is my property that I earn it a long time. I also asked the banker : " how do US bank protect customers like me? '' What is the responsibility of the bank? They just said, " I am so sorry, this is my policy. '' I Do not know what is weird ] the policies just protect scammers. Nobody would like to become a victim of scammers. If I know they are a scam, I have never taken this call. I never and never send money from them. Since {$3000.00} is a big bill for me, I called many phone numbers to help me including XXXX, bank customer service, and a police officer. No one can help me. I do anything to get my money back. I feel hopeless in this life. The rights are not for a victim like me. I need to help. I need to protect and a fair. I hope someone could help me. This is the reason I am sending this letter.
Consumer complaint received 2022-06-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (FL)

I was a victim of a check-forwarding scam. I received payment in the form of a check ( {$4100.00} ) from a fake employer under the alias of XXXX XXXX ( which I did not know at the time ) and the check was from XXXX XXXX XXXX. I was told I was going to receive equipment for the job as I would be working from home as a freelance graphic designer. He told me to send the check money I deposited through XXXX to the local vendor that would supply me with the equipment, but then I realized it was all a scam after consulting family, and friends and filing a report with my bank Wells Fargo, the FTC, and XXXX. 

On Friday, XX/XX/2022 I received the check and mobile deposited the XXXX dollars amount and I XXXX  XXXX of that money to the vendor ( the person who was fake ) the next day Saturday, XX/XX/2022. 

When the check bounced, my account balance went deep into the negative. I still had a little over XXXX in savings after this happened. Then, Wells Fargo Loss Prevention transferred my entire savings into the negative checking account balance without notifying me prior and now I have no money. My checking is still XXXX dollars. 

After submitting multiple claims with my bank, they said they could not credit the XXXX back to me as they couldn't " verify '' whether I had received the equipment or not, which I didn't. Why would someone send me a fake check and then still send me XXXX dollars in equipment? That doesn't make sense to me. 

I want my saving and my checking to the amount it was before all of this happened. Wells Fargo has done nothing but sideline me and make me feel like I'm the responsible one when I was taken advantage of. I need help with this.
Consumer complaint received 2022-08-08
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. (NY)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since XXXX a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX
Consumer complaint received 2022-06-17
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: Experian Information Solutions Inc. (CA)

in accordance with the fair credit reporting act i believe XXXXXXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-17
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. (CA)

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX  XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (FL)

I have had issues with my identy theft back in XXXX and XXXX since then i have send numerous letters to CAVALRY and by now it has been over XXXX years in XXXX since i have been fight this. I told them that by florida law they can no longer have this in my credit report because here in florida the law is that this should be taken off after XXXX years. They are not compliant and i had to complain to the XXXX XXXXXXXX and still they do not follow the laws of florida.
Consumer complaint received 2022-06-17
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. (CA)

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Avant Holding Company, Inc. (OH)

On XX/XX/2022 I had multiple autopay bills for credit cards due. The majority went through as usual with no error, but a bug with Avants banking system double billed me for two of these charges. 

The incorrect charges are as follows : XXXX XXXX - XXXX - double billed XXXX XXXX - XXXX - double billed I contacted Avant on the morning of XX/XX/XXXX by phone. The agent put the blame on XXXX XXXX and XXXX. If that is the case why has the issue never occurred before, and I have used the Avant banking product since it was named XXXX XXXX  close to launch. 

I contacted both XXXX and XXXX XXXX and they confirmed there is only one payment registered on their systems. I called back the Avant banking phone support line and they kept putting blame on the credit card issuers. I was emailed a dispute form and told that my funds wouldnt be returned for up to 45 days. This is unacceptable. 

In addition to these issues, Avant has not sent me a functional debit card after multiple attempts over a year or more to get one sent to my address. This company has no business running a banking product when their systems do not function correctly and they have next to nonexistent customer support.
Consumer complaint received 2022-06-17
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. (AL)

IDENTITY THEFT AND FRAUD. 
INACCURATE INFORMATION DELETE CHARGE OFF. 15USC 1681e ( b ) ACCURACY OF REPORTING AGENCY WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY. 

XXXX HAS DELETED CHARGE OFF. CHARGE OFF IS XXXX XXXX XXXX XXXX IRS TAX FRAUD WHO HAS GAINED GROSS INCOME ATTEMPTING TO COLLECT A DEBT THEY DONT OWN. DELETE NONPUBLIC CHARGE OFF AND TAX FRAUD FROM CONSUMER REPORT. 

XXXX XXXX HAS FAILED TO VERIFY ALLEGED DEBT BY money audit trial through audit certification of debt entry in accordance with GAAP, IRS, in accordance with Basel 3, and UNCITRAL conversions. in accordance with 12 U.S. Code 5562 ( c ) ( 10 ). 

DELETE NONPUBLIC ADVERSE INFORMATION TRANSUNION DOES NOT HAVE AUTHORIZATION OR WRITTEN CONSENT. TRANSUNION IN VIOLATION OF 15 USC 1681 SECTION 604A SECTION 2 CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN CONSENT INSTRUCTIONS.
Consumer complaint received 2022-06-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

I purchased my home mortgage originally through XXXX XXXX XXXX # XXXX for {$1300.00} monthly. they have since sold my loan to Mr. cooper loan number # XXXX when speaking to Mr. cooper they insured me my loan has been transferred to them and everything would be the same, I informed them that i had automatic payments set up they said it will still come out automatic. when I viewed my account Mr. Cooper had took {$1600.00} when i contacted Mr. cooper the gave me no explanation to why they took the amount no analysis had been ran, no changes nor did i agree to anything. I did not argee to transferring from my Leander but was told it was at will and i had no control over it being sold. I offered them my original documents signed at closing of what my amount should be and asked to speak to a manager and was told they would call me back i asked more then once to speak to a manager no one has yet to call me back or correct the problem. i was last told to XXXX XXXX XXXX i asked why wouldn't they call XXXX XXXX if they are saying they didn't get everything from XXXX XXXX. I was told because they are a third party. XXXX XXXX no longer acknowledge my account number or have me in there system. I want to problem to be corrected back to my mortgage amount of {$1300.00} and report Mr. Cooper for predatory practices.
Consumer complaint received 2020-04-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (FL)

Complaint- our loan servicer is not abiding by the Borrower Protection Act or Program in time of crisis for Americans. They have stated it is the investors that own the security that are telling them what they can do. 

XXXX and XXXX XXXX FHA Mortgage Loan, monthly payment {$2000.00} Loan number XXXX Servicer Caliber Home Loans XXXX We are both in XXXX XXXX and with the COVID we would like some assistance. My wife and I called our loan servicer and asked to have 3 months mtg payments deferred to the end of my loan. We told them we do not want a forebearance where we have to pay 3 months payments all at once it does not make sense to even ask that because everything is shut down. Caliber stated the only forebearance program they are offering is one where all three payments would be due at one time and if we couldnt pay it our loan would go delinquent. 

I went to your website and found this article which specifically states there are other options for anyone with XXXX or XXXX backed loans : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-fhfa-announce-borrower-protection-program/ The missed payments will have to be paid back by the borrower. Mortgage servicers are responsible for working with borrower to set up a repayment plan that works for both parties. The missed payments can be added to the normal monthly payments, paid back all at once, tacked on to the end of the loan, or the borrower can have the term of the loan extended. 

https : XXXX If a homeowner requests a mortgage-payment delay and XXXX XXXX or XXXX XXXX backs the loan, the bank cant require a lump-sum payment after their hiatus ends. 
WASHINGTON To combat ongoing misinformation, the Federal Housing Finance Agency ( FHFA ) reiterated that borrowers in forbearance with a XXXX XXXX  or XXXX XXXX ( the Enterprises ) -backed mortgage are not required to repay their missed payments in one lump sum. 

Both of these links specifically mention the types of services that should be available to us and the rest of the citizenry. Please look into this at once, we would like some relief. 

XXXX XXXX
Consumer complaint received 2022-06-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This is a yearly problem with Kohls and their store credit card bank. 
Simply put Every year they send me massive amounts of e-mails trying to get me to go paperless and to increase my limits. Almost, if not to the point of stocking or harassments. And I've been a customer for more than a decade. 
As far as I can remember I have never been late with a payment. 
But still every year in XXXX or around this time they always loose or claim that my payment was never received. And usually being strong-armed into paying the fees and having my interest jacked up, the payment magically shows up as cashed by my bank, and them taking even more money. The is this years XXXX billing occurrence. Please see my attachments ; which show my bank register payments and the corp. letter I sent. and the Kohl 's 30 day to respond letter ; which, they do NOT abide by and had already charged the fees and interest hike XXXX  days after they mailed the letter. 
Thank you
Consumer complaint received 2022-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2022, I went to change the last name on my Bank of America accounts to my married name. My name has already been updated with social security and through the State of XXXX. I have a social security card and driver license with the new name, plus an imaged copy of my marriage certificate. The original marriage certificate is with the passport office so a new passport may be issued. I will not receive the original certificate back for several weeks. Bank of America will not update the name on my account without the original marriage certificate, despite my legal identification documents showing the new name. This goes above and beyond what is required for a Customer Identification Program under the Patriot Act Based on a XX/XX/2022 press release issued by the CFPB discussing unfair discrimination in consumer finance ( https : //www.consumerfinance.gov/about-us/newsroom/cfpb-targets-unfair-discrimination-in-consumer-finance/ ), I believe Bank of America 's practice to require a marriage certificate for a name change treats women unfairly based on sex and familial status.
Consumer complaint received 2022-06-17
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. (CA)

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

XXXX XXXX. XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX. XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-24
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 (MN)

I have a Capital One XXXX XXXX credit card through which they promoted their capital one travel. On their site, they say " If you made your booking within the past 24 hours, you may still be eligible to cancel your booking without a penalty '' On XX/XX/XXXX, my husband called capital one travel and spoke with an agent who confirmed clearly that we can cancel within 24 hours with no fee. While booking they did not mention about any cancel fee So, on XX/XX/XXXX, we went ahead and booked 3 tickets from XXXX to XXXX for a total of XXXX ( {$120.00} per person ) and after booking they showed me the cancel terms of {$66.00} per person. 
Capital one travel record locator : XXXX I immediately called Capital one travel and asked them to cancel and give me a full refund. One agent told me that the 24 hour free cancellation does not apply for international flights.If yes, why did not mention clearly on their website. A second agent told me he would open a ticket and listen to the tapes from XX/XX/XXXX and then issue me a refund within 48 hours if what I said is true.

I did not get a callback in 48 hours. So I called them back on XX/XX/XXXX evening and the agent did not help. He asked me to call the airlines directly regarding cancellation. 
With no other option and due to tentative trip and the risk of losing all my money, I cancelled and got charged a fee of {$190.00} ( {$66.00} for each person ). Capital One is deceptive on their website regarding the cancellation policy. Further their own agent told me on XX/XX/XXXX that I can cancel within 24 hours. So, I request Capital One to give me a full refund of the {$190.00} cancellation charges. 

Capital One travel record locator is :
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am writing to express my urgent concern regarding the inaccuracies on my credit report. Despite multiple attempts to address and resolve these issues, I have yet to receive any resolution or corrective action. The disputed accounts in question are seriously damaging my credit file and severely affecting my daily life.

The inaccuracies have caused significant hardship, and I am now seeking your immediate assistance to address this matter. I request a comprehensive investigation into each disputed account and prompt action to update and correct my credit report.

Restoring the accuracy and integrity of my credit file is crucial for my financial well-being. I appreciate your swift attention to this matter and look forward to your prompt resolution.

Thank you for your understanding and cooperation.
Consumer complaint received 2022-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Capital one has me sending multiple documents to verify my identity Back and front on my license, Social security Card and now they are asking for a complete copy of my bank statement. I told them I did not feel comfortable sending all this information to them. They already verified my license and social security number but apparently thats not enough. I would also like to mention I have a car loan through capital one. I asked them to close the account that was restricted knowing it will poorly effect my credit.
Consumer complaint received 2019-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite numerous disputes to the XXXX, XXXX and TransUnion consumer reporting agencies, these companies continue to report a fraudulent XXXX XXXX account under account number XXXX. Not only have I forwarded copies of my driver license and FTC Affidavit, I have forwarded a verified police report. Each of these companies have refused to investigate and block reporting of said account.
Consumer complaint received 2022-06-17
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. (NY)

In accordance with the fair credit reporting act XXXX  account # XXXXXXXX XXXX XXXX XXXX  has violated my rights Account # XXXX XXXX XXXX XXXX has violated my rights These accounts with Inquiries have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ny XXXX is not my current address which needs to be deleted from credit reports 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 an account without my written instructions
Consumer complaint received 2022-06-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MN)

I watch many XXXX bloggers and have participated numerous times in contests and have won. However, on XX/XX/12, while watching a XXXX XXXX, XXXX, received a message from someone posing as her, telling me that I was the winner of an IPad for comment and supporting her blog. She then asked me to respond to her on XXXX. The message had her picture. I did this. Then they asked me to show where the message said I won, which I did, then asked if I would pay shipping, which I agreed. They said they accept PayPal, Venmo etc, so I agreed to PayPal. PayPal refuses to investigate or open a fraud case.