davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (GA)

During 2016 I was a victim of identity theft. There were several accounts opened in my name, and 3 apartments. I didn't know that I was a victim of identity theft until I saw a lot of unauthorized inquires on my report, and negative collection accounts. I have been working to get all of them removed and as of today all are gone except this account. I have sent multiple letters to this company and proof of identity theft but it still isn't gone. Over the past 2 years they have removed it multiple times but end up adding it back a couple months later. I would like this account to be permanently removed from my credit report.
Consumer complaint received 2021-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had an identity theft in XX/XX/XXXX, including theft of my Bank of America Credit card. The fraudsters changed my account address, email and phone number. I reported it to the police but the police have made no progress on investigating this. 

Then, they made about {$5000.00} in additional charges. I have called and talked to Bank of America repeatedly, talked to multiple departments, escalated the issue to get this addressed to no avail : They have XXXX  up time and again including : - They cancelled my account that was previously in good standing since XXXX - They sent a new card to the fraudsters address even though I told them to send it to me. The fraudsters went wild with the new card and charged up several thousand dollars - BofA are a complete run around to deal with and transfer you all over the place. XXXX has a much better process and system and resolved issues in a about a week. 
- I went into the local branch to take of this and the branch said it wasn't their problem and they couldn't help me - XXXX? - the Retail silo and the credit card silo at BofA dont like each other, don't talk to each other and completely XXXX up when it comes to resolving issues for consumers. 
- I couldn't get online access to see my accounts and what was happening. I still don't have this. I finally am getting paper copies sent to my right adddress. 
- I had enrolled in paperless banking, so I had no access at all to my account, couldn't see the fraudulent transactions and wasn't getting bills - BofA originally reversed the fraudulent charges and then put them back on my bill - over $ XXXX - The fraudsters opened a BofA bank account with the fraudulent address even though I reported that this address is fraudulent - My credit has been damaged and BofA refuses to change any of their reporting to the credit agency - The fraudsters keep trying to open BofA cards in my and my kids names. The credit is denied and my credit score continues to tank. 
- You know why the fraudsters keep trying to open fraudulent accounts at BofA and not other institutions that I bank with? Because they know how bad BofA is at detecting fraud and works their silos against them. 

I'm totally fed up and I'm going to sue these XXXX after I send letters to the editors.
Consumer complaint received 2024-08-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

The company Capital One has reported inaccuracies to the consumer report file. Account has been reported as a charge off, past due account. The debt security provides a bond and coupons for previous months all that show proof of the XXXXXXXX XXXX  within the company and would highlight that all dividend payments received from the coupons via the electronic funds transfer act are due to the XXXX. 

It is of truth the borrower has funded the entire transaction when the borrower signed the promissory note. The bank/Capital One has no legal claim to a loan since Capital One did not bring an equity to the transaction. It is of truth that the borrower has a superior claim in equity since the bank/Capital One has not taken a loss according to generally accepted accounting principles. Proof of such loss would in fact be required to be reported to the IRS for accurate book-entry reporting. As that is a federally implication of fraudulent activity if not reported accurately. Securities Exchange Commission advises that all false and fraudulent activities pertaining to securities are reported for the protection of the investors and there securities and shares within a company. 

I am requesting all errors and inaccuracies being reported to the consumer report file be removed and correct reporting is reported. All payments owed to I the investor from the dividend payments that capital one received from the XXXX XXXX  via the electronic funds transfer act be disbursed to I the XXXX. 

Thank You.
Consumer complaint received 2024-09-10
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC. (AZ)

Ally is not providing me my XXXX, XXXX and XXXX monthly statements!!!!! 
Also Ally has still not transferred my IRA accounts to XXXX XXXX... 
Are you just paper shufflers???? Why are we paying taxes for a dept. thats does nothing????? If you are not going to do anything about this just tell me flat out and I will make it my life 's work to abolish your dept. 

Below is my previous Complaint which you did not resolve!!!! 

Here we go again. Until you do something about closing and transferring my account I will keep filing complaints ... Fine Ally that will get their attention .... Still no closing my account and transferring the funds to XXXX XXXX... This is the Complaint I filed again in XX/XX/year>. NO statements were mailed to me bc I can not access my statements on line bc of Ally 's system. You closed my Complaint BEFORE I received a statement on a closed account and I still have not received a statement on my IRA account which has over {$500000.00} in it. What is wrong with this government agency?????? Do you do anything to protect consumers????? Hit ally with a XXXX XXXX dollar fine and then maybe they will respond. Ally is laughing at you. In addition I want my IRA account transferred to XXXX XXXX. which have provided written authority to Ally on THEIR forms over year ago!!!!! Is your agency just paper shufflers????? Here is my last Complaint text : I have attempted to close my IRA accounts with Ally Bank for a year and half. filled out all their forms, faxed it, emailed it, even sent the forms to XXXX XXXX  and XXXX  who I want to transfer my IRA accounts to AND ALLY WILL NOT RESPOND TO XXXX. Since your dept is close to worthless and merely paper shufflers I am sending this complaint to you so you can snuggle it and NOT resolve the issues. In addition I requested that my IRA statements be sent to me as Ally will not allow me to view my statements on line. I requested my IRA statements be sent to me and my back statements for the last 2 years ( at not cost ) and Ally agreed to do it. I requested my statements on XXXX, XXXX and XXXX. I still have NO BANK statements of my IRA accounts. I need those statements so my attorney can file suit against Ally Bank. Based on your past no action I don't expect you will fine Ally Bank or resolve this but I want a Complaint on record.
Consumer complaint received 2024-10-09
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-02-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (CO)

on XX/XX/XXXX I purchased a prepaid netspend card from XXXX XXXX. I loaded XXXX dollars onto the card and payed the XXXX for the activation fee separately. The card advertises that one can set up their account in 3 easy steps. After adding my ss # I was directed to customer service and asked to upload my documents. They wanted me to upload pictures of my drivers licence, s.s card and proof of address just to activate my card. I was told it would then take up to 14 business days to allow me to have full access. I told them thats ridiculous and why are they asking me to verify these things for a card not yet activated or attached to me at all whatsoever at that point. 
I felt they were trying to steal my identity using my money to do so. Eventually 3 days later I contacted a supervisor who told me she would just refund my {$300.00} minus a {$15.00} dollar fee for the refund. 
She said it would come to my address in a paper check. 
I verified my address and verbally gave my information over the phone. 
It matched up with my previous reported info they had in they're system. I was told just wait for it to come in the mail via ground shipping in just a few days. 

2 weeks later XX/XX/20 I called back to find out that the check was sent to an address that does not match mine and my name was mispelled as well. 
Again I was asked to upload my documents to have this issue fixed. 
After arguing for half the evening and repeating my issue to 4 different employee 's I was transfered to escalations where I could barely understand the employee through the obvious language barrie. 
I was told it would be fixed and I can call back for the update in 3 business days. Its again been weeks. Everyday is a struggle trying to get through to somone now. I can't get past the automated system to a live operator. The automated system requires me to enter my card # but my card was never activated therefore its not valid. The system automatically disconnects once my card number pings back invalid. On XX/XX/20 I was able to reach a supervisor for netspend who literally hung up on me when I asked why a financial institution would send my money to the wrong address and misspell my name when the very info required for verification is indeed correct in their system already on file from a previous prepaid netspend card! 

I have been scammed! I don't understand how this could happen after all these years and I purchased it at XXXX XXXX  grocery store!
Consumer complaint received 2024-08-13
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: Experian Information Solutions 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 2020-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC (IL)

Contract Callers, Inc. XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX : ( XXXX ) XXXX I lived in XXXX, KY and was a XXXX XXXX XXXX customer between XX/XX/XXXX and XX/XX/XXXX. I missed my final bill payment with XXXX XXXX XXXX and didnt know about it until XX/XX/XXXX. As of XX/XX/XXXX the account was paid in full and closed. 

Contract Callers, Inc reported me on my credit report which adversely impacted my score, and they are refusing to remove this from report with out a reason. I tried to explain to them this was the only thing affecting negatively on my report, otherwise i have a very good credit and it is hurting my chances of a getting a loan. 

A single utility bill should not affect my credit score by more than 90 points!!!

The lady on the phone from Contract Callers Inc, was either being untruthful or not well trained of not telling me about the option of issuing a letter to the credit bureaus about the nature of this reporting. This can make a difference on my credit report, but either she was unaware or just did not care for whatever reason it might be.

" Company Policy '' or " Contractual Obligations '' do not matter  when the account is closed and paid off. I was refused to get a copy of these policies and contract obligations from Contract Callers.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Dear Capital One, I had previously closed my Capital One Quicksilver credit card account during the XXXX of XXXX. In XXXX of XXXX, I discovered fraudulent charges on my closed account. Luckily, I was able to resolve this issue with your XXXX XXXX Department of your company and they took care of the charges. During XXXX of XXXX - XX/XX/XXXX, these recurring charges were outside of my boundaries and it took XXXX  months to get resolved. I was told that the XXXX XXXX Department would take care of the charges and that I should not worry since it was a closed account and under higher supervision. However, I discovered that the account became delinquent, reporting that I was XXXX days late for a payment. This is considered an inaccurate report to the credit bureaus because the credit card account should have been closed at the beginning of XX/XX/XXXX.
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

FCRA and FTC ISSUES Unauthorized credit inquires - XX/XX/XXXX and XX/XX/2020 ... credit inquiries without my written approval - XX/XX/XXXX ... XXXX XXXX XXXX  XXXX   XXXX. Only authorized XXXX XXXX of XXXX, TX
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I AM A VICTIM OF IDENTY THEFT. SOMEONE STOLE MY INFORMATION. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM FROM MY CREDIT REPORT.
Consumer complaint received 2021-06-06
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. (NY)

I XXXX XXXX the natural person have been a victim of identity theft. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY NUMBER ( Social Security # : XXXX ), This complaint lists someone that your company should recognize as their customer or their customers authorized representative.I contacted all the credit reporting agencies on XX/XX/2021 and told them that these accounts were fraudulent. I understand that under 15 U.S. Code 1681c2 they were supposed to block the accounts after receiving my statement, but they ignored my consumer rights and left it on my report. it is now XX/XX/2021 and these fraudulent accounts are still appearing on my credit report. this is illegal, and I ASK THE CFPB TO HELP remedy this situation. Erroneous RESULT OF The Equifax XXXX Data Breach Direct Violation 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus XXXX  XXXX  and Equifax. also I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block.
Consumer complaint received 2021-02-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (GA)

On Monday, XXXX I initiated the transfer of my stocks from Robinhood ( RH ) to XXXX XXXX. I had {$1000.00} of buying power ( Credit ) left on my Account. 

On XXXX, I noticed that my stocks had moved from RH to XXXX XXXX and that the balance of my buying power was now at {$830.00} When RH notified me that they received my request, they confirmed that I would be charged {$75.00} ; however it appears that an additional {$86.00} was deducted from my balance. 

When I tried to withdraw my money from RH back to my bank, I got an error message stating that there is an issue and that I could not withdraw my money. 

I have tried reaching out to RH for a 2nd time via email because they do not have a telephone number listed and got a response stating : Your request to withdraw {$830.00} on Friday, XX/XX/XXXX, XXXX XX/XX/XXXXfrom Robinhood to your Preferred Checking account ending in XXXX has failed. 
Theres a restriction on your account, and you arent able to make withdrawals from Robinhood right nowthis can sometimes happen when a deposit to Robinhood was reversed by your bank. 

I have checked with my bank and there are no issues nor has anything been reversed.
Consumer complaint received 2022-09-26
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. (MD)

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. has violated my rights. 

XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, 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 2022-09-26
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: U.S. BANCORP (FL)

The are unauthorized Inquiries reported on my credit report for the following : XXXX  XXXX on XX/XX/XXXX, Elan Financial on XX/XX/XXXX, XXXX XXXX XXXXXXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX and Bank XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2021-02-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Equifax has failed to respond to my numerous disputes in the time the FCRA requires, I demand these accounts be removed immediately as this is a violation of my consumer rights. I am attaching the previous letters sent to this company.
Consumer complaint received 2021-02-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (NE)

We started our application with PenFed 60 days before closing ( XX/XX/20 ) on a new house that we were building as this was the earliest we could start with them. XXXX is who we worked with for the application and he was great. Super responsive and helpful. Then we got handed off to XXXX and everything went downhill. We received an email on XX/XX/20with the next round of documentation they needed. On XX/XX/XXXX, I emailed XXXX that we were having trouble getting access to the IRS site for some of the information that we needed and asked if there was anything we could provide in it's place. We never received a response to this email. We were able to get the documentation and uploaded it to their loan portal. A week later I gave XXXX a call and left a voicemail. Two days later I tried to call again and when there was no answer, I called the escalation contact on her email, XXXX. No answer, no call back. Next I tried a main line for customer service and ended up talking to someone that said they would email XXXX and her manager. I had already tried that. Kept calling back and eventually got someone that was helpful. XXXX must have left PenFed because XXXX had a new manager. That manager also never called me back. Eventually XXXX returned to work and notified us she had been out of the office. We couldn't get any help because one person was out of the office. Okay, at this point we have two weeks. I work for a bank, I know what you can do for a customer if you really want to. We need an appraisal and that was it. I ended up calling the appraisal company and they told me that the bank could put in a rush request for the appraisal. At this point, PenFed should have been responsible for that but we were willing to pay for it to get it done. PenFed wouldn't even put the request in. We were left scrambling to try to pay in cash, taking out 401k loans for both my husband and myself, which costs money. We have dogs and had no where to go to wait for the loan to close. This was one of the most stressful situations we have been through. No communication from PenFed. When I asked what our options were and how they could help with refinancing, no response. I filled out the surveys they sent, got a call back on one of them and told her our story. No response. As you can see in the attached, XXXX even says that it didn't help that she was out of the office. This is terrible management.
Consumer complaint received 2023-01-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I had a mortgage with Wells Fargo that was foreclosed on in XXXX of 2018. We tried to work with XXXX to modify our mortgage to avoid foreclosure, but they wouldn't respond to give us any options. The home was foreclosed on and bought by Wells Fargo from our understanding. I need to know how to be part of their current payout for issues on home loans.