davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-25
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: CITIBANK, N.A. (FL)

I have an account with Macy 's Department Store for approximately 7 years and have never been late in 7 years. Macy 's cancelled my auto pay in or about late XX/XX/XXXX to XX/XX/XXXX. I did not make that request to cancel my autopay. Macy took it upon themselves to cancel my Auto Pay and failed to notify me. Macy 's also failed to notify me that my account was reaching 30 days late. When I contacted Macy 's, the representative told me that they are not obligated to inform me of such. I've always had my account on auto pay to avoid ever making a late payment. There was always money into my account to cover all payments, so I was never concern about ever getting a late payment because of my auto payment for the past 7 years. 

I have reached out to XXXX to dispute the errors Macy 's place on my account and Macy 's confirmed with XXXX that the error was correct. 

On XX/XX/XXXX, at XXXX pm, I called Macy 's to get information on my account. Macy 's account representative refused to give me any information, refused to provide me with an email or phone number to contact that department and was very rude. Once again, another Macy 's representative told me that Macy 's is not obligated to inform me about anything regarding my Macys account. Macy 's flagged my name in the system to speak with me regarding my active account. Macy 's is retaliating because I exercise my right to file a complaint.

Macy 's claim that they tried to withdraw the money from my account, and it didn't go through. According to my bank statement, the account had sufficient funds to cover the amount Macy 's claimed to attempt to withdrew.

Macys Credit Card is the worst along with their customer service. Macys incompetent system ruined my credit score because of their error. 

Macys has failed to reverse the erroneous report and has damaged my credit score from around XXXX to XXXX. Macy 's is responsible for the damages done to my credit report.
Consumer complaint received 2022-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/2022 I initiated a balance transfer from Capital One to XXXX in the amount of {$1000.00}. However, a mistake was made by XXXX or myself, I'm not sure, and another transfer was sent from Capital One to XXXX in the amount of {$3600.00}. This transfer was intended for my XXXX card. Capital One accepted both transfers and I ended up with a credit of {$3600.00} and a {$0.00} balance on a credit card that only had a limit of {$1000.00}. I contacted Capital One to ask them what happened, why would they accept an overpayment by almost 4 times the credit limit and what could we do to remedy the situation. She said they would have to cut me a check for the overage which I said was fine. A few days later my account was 100 % restricted and now being investigated by their fraud team. They told me they needed my ID and proof that the payment came from me which I did the same day I received the email. They wanted a copy of my statement proving the payment. However, since the payment was so recent, it wasn't showing up on my statement yet so I sent them a screenshot of my account showing both payments : {$1000.00} and {$3600.00}. Days passed and I didn't hear anything and my account was still restricted. I called them back which they then told me they wouldn't accept the screenshot. I had no other way to prove the payment came from me until my statement came out. As soon as I received my statement showing the payments, I sent it to Capital One. Again, I heard nothing back from them so I called. I was told the statement wasn't good enough because it didn't show my account number. I asked if I could send a photo of the front and back of my credit card in which the payment originated. He said yes and this would be the last time I would need to contact them. It's 4 days later and the account remains the same. I called again today and I was told it would take ANOTHER 7-10 DAYS to review my account. 

This is positively ABSURD. Capital One received the payment from my other credit card XXXX. I've sent them AMPLE information to prove this payment came from me which is also ABSURD. I don't care about my account with Capital One. As soon as this is resolved I'm closing my account and putting them on full blast on social media and anyone else I can affect their business with the truth of my experience. What I want is MY MONEY BACK. They owe me {$2600.00}!!! That money was intended to pay off another credit card and because they are holding it without cause, I am now paying interest on that money. I've done everything they've asked me to, the same day they ask me. NOBODY has reached out to try to resolve this situation, it's me reaching out to them a minimum of XXXX times. What they are doing should be illegal and they should be charged with a crime. 

Please help, XXXX XXXX
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2021-10-01
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)

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/2021 and Several times prior to that.
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Happy to send along credit card statements emailed to me : Upon receiving the email/link to pay credit card monthly I had a credit statement paid twice on the same bill. This resulted in me requesting a return of the second payment. BOTH payments were equal to or greater than the bill statement for that month. They took up to 10 days to return it to my account. Consider ETF take no more than 24hours to the payment company request. 
My next statement show a credit of {$54.00}, upon calling to confirm this amount and there was NO DUE balance within this credit cycle thus no payment due at due date payment. Next, I get an email stating my account is past due. They had changed the balance of the statement outside the statement cycle. Then proceeded to file a late payment notice, and in interest charge when the bill clearly showed no payment due until the next billing cycle. They had changed the card balance outside the billing cycle. Then, even after I paid the full balance based on the email/statement they then sent another finance charge on what they stated was unpaid balance. This Capitol One Visa card was always balance paid in full based on billing cycle rotation. NEVER EVER late. I am furious with this inconsistent, accounting practice this credit card company as gotten away with. I expect a solution to their changing billing statements due outside the original billing cycle. Then, not alerting the customer as soon as these changes are made so I can cover it, instead waiting till the next billing cycle and showing late payment inside the 30 payment cycle. FIX THIS FRAUD.
Consumer complaint received 2024-09-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

On XX/XX/XXXX, I successfully opened a checking account and a savings account with Capital One. I also deposited {$50000.00} into these newly opened accounts. 

Around a week later, when I called Capital One 's customer service to access my account details through a third-party tool, I was informed after being on hold for XXXX minutes that Capital One had decided not to do business with me in XXXX. 

When I inquired about the reasons behind this decision, I was told that there was a case reviewed back in XXXX which led to the determination that Capital One would not offer any services to me in the future. However, no further details were provided despite my repeated requests for clarification. On the contrary, I got a car loan from Capital One in XXXX which ended in XXXX. I never failed to make a payment, was in any debt other than a house loan, and have maintained a very good credit score of XXXX for 25 years. 

Before I could even submit a complaint online after our phone conversation, Capital One locked my online access to the accounts. 

I expressed frustration and disappointment with Capital One 's lack of coordination and transparency, as they allowed me to open new accounts and accept a {$50000.00} deposit, only to later deny my services without a clear explanation. I mentioned losing over XXXX business days ' worth of interest on my {$50000.00} deposit and wasting valuable time due to Capital One 's mishandling of my accounts; but they abruptly ended all kinds of discussion with me.
Consumer complaint received 2022-01-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balanced {$15000.00} XXXXXXXX XXXX XXXXXXXX Balanced {$0.00}
Consumer complaint received 2022-06-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I've recently been a victim of a XXXX scam/fraud. I lost {$7000.00} in the fraud, and Bank of America is unclear as to whether they will reimburse me. They informed me they would begin a 10 day investigation, but I have not received the funds, and I can not contact them. I've been on hold for three hours today. It has been over 10 business days, and the fraud was reported within 2 business days. 

The scam/fraud is elaborate. First, a text was sent inquiring if I authorized a XXXX transaction of the maximum daily transfer of {$3500.00} ( XXXX does in fact send this form of notification, though this is fraudulent ). I replied " no '', and then received a call from a spoofed phone number that says " Bank of America '' and does in fact appear to be the customer support number. They first identified themselves as BOA fraud investigators and inquired if I made a {$3500.00} transaction, and when I reply no, they stated that they must complete a fake two factor authentication. They asked me to confirm the last two purchases made on your account, then to provide a 2FA code sent via text. You provide the code, but in reality, the code is used for them to steal the phone number associated with your XXXX account, which they have just initiated. They then request you to send {$3500.00} to your own phone number on XXXX to protect our funds and allow them to cancel the pending transaction. You think you are sending it to your own account, so the funds are safe, even if it is fraud. But in reality, they have stolen your XXXX account, based on your phone number. The bank denies responsibility and states they are unable to cancel a XXXX transaction even if it is in-processing. This happened twice in a 24 hour period. 

I believe I am titled to reimbursement under Regulation E, given that it was a " token error '' and therefore qualifies as an unauthorized transfer. I believed I was sending money to my own account, but was tricked into providing a 2FA Code by fraudsters posing as BOA. The CFPB affirms that regulation E protects me.
Consumer complaint received 2021-10-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc. (OH)

I first learned about this " debt '' when I checked my credit report on XXXX XXXX. My rating had dropped 9 pointes because there was a collection from First Federal Credit Control ( FFCC ) on it. I contacted FFCC and they told me I owed {$10.00} to a doctor from 2017. I told them I had never been notified by phone or in writing of any such debt. I called the doctor ( and their billing company ) and they told me their records did not show any such debt, nor did they turn over anything to a debt collection company. I called FFCC again and they told me that the collection effort would stay on my credit report until I paid the debt, preferably online on their website.

I have never received ANY communication of any kind from the doctor, the billing company or FFCC about owing any money. I had to call them! They never contacted me and supposedly this debt is 4 years old!

I have filed a complaint with XXXX but I want this removed from my account. How do I get this company ( FFCC ) to remove this debt?
Consumer complaint received 2021-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION (SC)

I opened a XXXX  checking account on XX/XX/2021 with a {$400.00} bonus promotion. The bonus was to be paid upon 10 debit card ( checkcard ) transactions within 30 days of opening the account. I made 10 purchases to XXXX within the 30 day period. It is now XXXX and I still have not received the bonus as stated in the terms and conditions.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-04
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-16
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. (CA)

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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block 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. 

XXXX XXXX  XXXX Balance : {$19000.00} XXXX XXXX XXXX Balance : {$16000.00}
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX Balanced {$550.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$360.00} XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-16
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. (IN)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-10-28
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. (OH)

I am a victim of identity theft. Someone opened an XXXX account under my name and SSN #. I had made several attempts to get this resolved and they fail to work with me to get this removed out of my name. They state that it is mine. I advised it is not and requested what documentation do you have and/or XXXX address that was used to obtain the account and/or purchases. To this date they have failed to contact me back and/or provide me the documentation that I have requested. I submitted a report to the FTC and have supplied that report to XXXX.
Consumer complaint received 2024-10-28
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. (NJ)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX : {$0.00}