davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Dear CFPB - Im at a loss with Capital One and their lack of customer service assessing an issue we had with a locked card and now closed account due to inactivity. This all started back in XX/XX/2020 with a fraud alert / identity alert generated by Captial one. There was never any fraud, identity theft or charges not paid. They wanted me to prove who I was before they would unlock the card. They asked for a copy my drivers license to to be faxed into their office for that proof. We did this countless times over the course of several months to no avail. Ive called many times and have been told they will look into it. No one will call me back and every time I call I get the same answer. Its mind blowing! I have excellent credit and card has always been paid on time. We have paid the annual fees and generally carried no balance. I have called several times to find out what exactly is the issue with them not responding or unlocking the account. The answer is the account was closed due to inactivity. Really??? How can that be when I couldnt use the card? We did what they asked and its gotten us nowhere. No one will help me get to the bottom of this and seems no one has any skill set to rectify the situation. How can a credit card company be so ignorant to basic reasoning or customer service? I have been a loyal customer without issue and accumulated over 200k miles with this card. To add injury to insult, these miles are unavailable to me since they closed my account. Im hoping you can help me get someone to hear the complaint and rectify the problem. Thank you in advance, XXXX
Consumer complaint received 2024-08-14
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Hello, I experienced a scam through XXXX that is still not being properly resolved with my financial institution ( Bank of America ) where I filed a dispute or XXXX. 

To explain the situation, on XX/XX/2024, I was purchasing a physical item for XXXX ( {$83.00} USD ) from a seller who showed proof of having the item and agreed to ship it. I paid them the money but never received the item ( Transaction ID : XXXX ). They eventually decided to ghost me when I tried to contact them, indirectly indicating that they were not planning to ship it at all, as agreed upon initially. I paid through my Bank of America debit card and first tried to resolve it through my financial institution, but they would eventually deny the claim. At the time, I didnt know until around late XXXX when I continued contacting them to get some response from the ongoing issue that XXXX apparently told them that they didnt have any rights to working with them with the chargeback case, so they denied me any refund because of that. As a result, XXXX opened a case for me in XX/XX/2024 that would eventually escalate further ( case # : XXXX XXXX due to the lack of any recourse from the seller or the bank. So, my constant circle of calls and getting the same, not so helpful responses from both companies began and still persists today. 

On XX/XX/2024, XXXX closed my claim, siding with me and indicating on their resolution center website that I would receive a refund. However, the refund has never been processed by Bank of America ( who XXXX says is responsible for that ) or XXXX ( who Bank of America says should be responsible ). 

It is unacceptable how my case is supported but no action is being taken to fully conclude my dispute with the refund I rightfully deserve after someone who should have been trusted broke my trust for greed. 

I was wrongfully denied without even being given a chance to provide proof and Ive reached the limit to where I can wait any longer. I plan to file a complaint against both Bank of America and XXXX with my Office of the Attorney General in my state, the FTC and the XXXX  in this case.
Consumer complaint received 2020-09-05
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. (NY)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020. The 30 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2019-09-05
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Research Center, LLC (FL)

Started the Streamline ( IRRRL ) VA Loan Refinance Process on XXXX with Veterans United Home Loans. Received an initial loan estimate and then we provided documents the company required. As time went on we kept getting new Loan Estimates which kept increasing the amount we would be financing. When we questioned why the costs of processing the loan kept increasing we were never given an honest answer and all the companies reps said " We are trying very hard to find the lowest cost for you ''. The initial loan estimate was for {$180000.00} and the most recent loan estimate we received was for {$180000.00}. {$180000.00} is {$10000.00} more than what we owe on our mortgage which is {$170000.00} and this would take at least 10 years to recoup which then makes no sense to refinance when one has to pay these extremely high closing costs. This {$10000.00} amount is more than we paid when we purchased the home which makes no sense. So when we talked to several other VA Authorized Mortgage lenders they all said we should only pay from {$4500.00} to {$5000.00} in total closing costs and no where near the {$10000.00} that Veterans United Home Loans wanted. So we pulled our application with Veterans Home Loans due to the apparent fraudulent behavior they begin exhibiting after more than 40 days of the closing process. We have submitted the Loan Estimate documents we received over this 40 day period of time from Veterans United Home Loans showing how each time the amount to be financed kept increasing for absolutely no reason. We also paid for a Full Appraisal out of our pocket and then found out only an Outside ( Drive by ) appraisal was done and we said we needed to be reimbursed the difference since an outside appraisal is less costly than a full appraisal and were told repeatedly they would look into it but we never got a reimbursement for the difference or explanation whatsoever. We will use another company to do the streamline refinance and hope our complaint helps other Vets so they are not Ripped Off by unscrupulous lenders.
Consumer complaint received 2021-01-22
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: Experian Information Solutions Inc. (NJ)

I originally started disputing negative information on my credit report in XXXX of XXXX. I was receiving responses and notifications for a while. The disputes I sent out on XX/XX/XXXX I have YET to receive a response on! 6 months has passed, I have also submitted another dispute during that time on XX/XX/XXXX, so 2 rounds in 6 months with nothing from any of the bureaus. I just sent out a 3rd round on XX/XX/XXXX and am trying to patiently wait for responses, but why would the bureaus just stop responding to me out of nowhere? This is not good ethics or customer service at all!
Consumer complaint received 2022-09-21
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. (TX)

The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) protects personal financial information collected by consumer reporting agencies. The Act limits those who can access such infomation, and subsequent amendments have simplified the process by which consumers can obtain and correct the information collected about themselves. The FTC also actively enforces prohibitions on fraudulently obtaining personal financial information, a crime known as " pretexting. '' A. The No Disclosure without Consent Rule No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). 



Account name XXXX XXXX XXXX Account number XXXX Original creditor - Company sold - Account type Auto Loan Date opened XX/XX/XXXX Open/closed Open Status Current, was past due 30 days two times Status updated XX/XX/XXXX Account name XXXX XXXX Account number XXXX Original creditor - Company sold - Account type Credit Card Date opened XXXX XXXX, XXXX Open/closed Closed Status Paid, was past due 120 days Status updated XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX Original creditor - Company sold - Account type Auto Loan Date opened XX/XX/XXXX Open/closed Closed Status Charge-off Status updated XX/XX/XXXX XXXX
Consumer complaint received 2022-01-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (GA)

Before loan closing we were told we would get a refund check of {$5600.00} for the balance of overpaid taxes we had made in escrow on original loan. The closing doc did not indicate our refund because I was told when I verbally questioned it with underwriting dept rep that the taxes had not been paid yet so it had to show due on the closing statement and we would get the refund at closing for the difference. I also indicated in email communication with closing dept rep that I did not understand why we were being charged twice and she told me we were not and this was correct closing information ( but it wasn't in the end ). We never received the refund we were promised. Instead U.S. Bank paid the taxes twice with the money. The overpayment was returned to US Bank on XX/XX/XXXX by our local county tax department. I was then told by U.S. Bank on XX/XX/XXXX that they had received the refund back and it was sitting in the account to be dispersed to us and that we should have a refund check within 5 - 7 business days. We did not receive it so I called back on XX/XX/XXXX and was told the same thing again. Still did not receive the refund check within 5 - 7 days as promised. I called back a third time on XX/XX/XXXX and was told it would take another 45 days to process which was a different story from the previous two rep conversations. We do not believe it is moral or fair for US Bank to hold our money for so long when we should have receive the refund back in XX/XX/XXXX at closing or shortly thereafter as promised. In the meantime, we are being charged interest on this money as it was financed as a part of our second loan. Also, we are being charged additional funds in our escrow account for the taxes for the new year. So in summary, we are paying 3 times for these taxes plus being charged interest in the new refinance loan on our own money we paid into escrow in original loan in XXXX. In other words, first, we paid one year of tax money in original loan escrow in XXXX and taxes were paid to county in XX/XX/XXXX. Second, the money was withheld again in our refinance loan closing in XX/XX/XXXX and we are being charged interest on the money they owe back to us! Third, US Bank is collecting additional tax money in Escrow monthly on current loan. We can not seem to resolve this with them. We keep getting the run-around and are promised resolution but it never happens. What are our rights for our money being withheld for so long and not refunded to us plus we are being charged interest on it?
Consumer complaint received 2021-01-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (AL)

XXXX and XXXX is reporting an account with XXXX XXXX on my credit reports. I sent a letter ( see attached document ) to XXXX and XXXX requesting that they validate the debt. I asked for specific documents including the agreement between them and the original creditor, the original contract with my signature on it, a complete payment history for the account, proof that their company is registered to collect in my state and other information to validate this debt. XXXX and XXXX failed to supply this information. Yet, they continue to report this account on my credit reports in violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2021-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Conduent Incorporated (VA)

On XX/XX/XXXX my bank account with XXXX was compromised and there was 5 unauthorized charges placed on my account from another state. I called right away and changed my card. I also filed a fraud report with the bank. I have not heard back from them and when I call they do not give any update information. I provided everything they requested but the bank does not seem to have a process I place that can help. The five transactions were XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX and XX/XX/XXXX XXXX XXXX. All of these transactions happened in Ohio while I live and was in Virginia.
Consumer complaint received 2022-04-29
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. (MD)

XXXX and Experian is reporting an item that has been paid in full and should be removed from my credit report. I am attaching the paid if full letter and the request from XXXX to remove this item from all credit reporting agencies.
Consumer complaint received 2021-07-02
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

these accounts dont belong to me. please remove accounts : 1. Identity Theft CAPITAL ONE Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE Account XXXX : XXXX This is not mine.
Consumer complaint received 2023-02-12
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: WELLS FARGO & COMPANY (FL)

XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX at XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Fl, XXXX Security Deposit Refund Request ( Third Letter ) I am writing this letter pursuant to Section XXXX, Florida Statute ( XXXX ), requesting the return of my Security deposit, which is {$400.00}, to refund my security deposit and/or provide an itemized statement listing the amounts that XXXX XXXX XXXXXXXX has withheld. 
As of XX/XX/XXXX, I have not received my security deposit or an itemized statement. XXXX in XXXX has illegally held my deposit for 6 months, so I can proceed with a small claims action to get my deposit back. 

Wells Fargo ruled the claim inadmissible, because the company told them that they were application expenses, when we attached the certificate indicating that it was for a deposit and to date the company does not want to return the money for an apartment that we never received. It was assigned and we never lived
Consumer complaint received 2023-03-22
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: EQUIFAX, INC. (TX)

According to the law 15 U.S. code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and consumer notices the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct reasonable investigations to determine whether information is inaccurate and record the current status of the disputed information or delete the item from file in accordance with paragraph ( 5 ) be the end of the 30 day period beginning on the which the agency receives the notice of the disputed from the consumer or reseller
Consumer complaint received 2022-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-04
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)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2020-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (VA)

I notified AmeriHome that I was impacted by COVID-19 and had a reduction in income. AmeriHome informed me that I would have no payments due until XX/XX/XXXX however I got a statement on XX/XX/XXXX informing me that I was past due on my account. Not only did they tell me that I needed to make a double payment, they also charged me a {$160.00} late fee. 

I called the company and they told me they waived the late fee, but that is not satisfactory for a number of reason : ( 1 ) this is going to happen again next month and I was told that I'll have to call back in ( 2 ) this could impact my credit score if I'm reported as past due and ( 3 ) this could cause other customers in a similar situation to become  confused and feel like they have to make a payment when it is not required.
Consumer complaint received 2022-01-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Opportunity Financial, LLC (GA)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2022-09-21
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-12-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (AZ)

I went on XXXX XXXX and a debt was added into my collections. It says it was opened XX/XX/year> and the debt it {$140.00}. I have only XXXX debt in my collections which was a couple years back but I have not opened or added anything to my collections. Ive been on time with payments and this collection is not mine.