davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I do business with XXXX XXXX and CAPITALONE BANK. I am a very loyal and great customer of both for over 10 years. 

CapitalOne, like the other Banks, continues to charge excessive monthly fees, during and after COVID. Further, they continue to ignore the consumers financial hardship post COVID and show sympathy for the consumers who are still struggling. 

I am currently on XXXX and recuperating from 2 COVID severe infections. In addition my financial services employer has stopped paying me. 

I took a hardship withdrawal from my pension to pay credit card debt this week, including my XXXX XXXX credit card. 

I called Capital One twice this week like I did with my other credit card issuers. I asked them to help me and consider to reimburse me for {$400.00} in late fees / {$40.00} a month for being late / unable to make payments on time due to hospitalizations and financial hardship. I was late for couple of days to few days at the most. Never past weeks or a month. 

The overseas located service center of CapitalOne asked me when I had COVID last year. I answered with specific dates and explained to them my current severe financial hardship. They routed their call to their supervisor who waived another {$40.00}, total of {$80.00} for this year. 

I explained to them that The Consumer Financial Protection Bureau prevents banks from charging such high fees, especially during COVID and post COVID pandemic since we have all suffered and continue to. 
I also stated that you ask that retailers and banks stay sympathetic to the consumers. They were polite. However, they dismissed my request and did not understand my constructive comments about your Agency. 

I ask please for your help so that CapitalOne considers to reimburse me for another {$280.00} for late fees for last year. I will not go back to the previous years. Here is the list : XX/XX/XXXX PAST DUE {$40.00} XX/XX/XXXX PAST DUE {$40.00} XX/XX/XXXX PAST DUE {$40.00} XX/XX/XXXX PAST DUE {$40.00} XX/XX/XXXX PAST DUE {$40.00} XX/XX/XXXX PAST DUE {$40.00} XX/XX/XXXX PAST DUE {$40.00} XXXX XXXX XXXX PAST DUE {$40.00} XX/XX/XXXX PAST DUE {$40.00} XX/XX/XXXX PAST DUE {$40.00} Whether they do or dont, could you please work with all of us to put a stop to this fee raping consumers behavior? The Banks from the latest annual filing for XXXX, are up in cash management 110 % to over 200 % in profits due to the high interest rates and the balances / client or consumer deposits. Aside from having booked millions to billions in profits in this area, they continue to layoff thousands and both banks and broker dealers slashing salaries and bringing to zero in some cases any additional variable pay. 

Please step in to protect us all. This behavior is wrong. We have lost jobs and continue to. 

Thank you
Consumer complaint received 2021-09-20
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. (OK)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (OR)

I have a Simple account, which is a partner with BBVA. They flagged my account with a false fraud hold regarding the Washington state unemployment scam because of a previous repayment i had made. Now, I have been without my paycheck that is being held within my account since the XXXX. My paycheck will be deposited tomorrow, still now word from BBVA, and Simple can not process the removal of my hold until BBVA removes it. I have bills due, and am accruing fees and will lose assets. I will be seeking litigation against them if this isn't resolved.
Consumer complaint received 2023-02-24
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: The Nguyen Law Firm, PLC (VA)

I am using my middle surname name XXXX XXXX, because the email locked me out of the account with the cfpb My name is XXXX XXXX XXXX under the email XXXX. I ask the representative whom I spoken to at XXXX to not share my information with anyone on their recorded line, However I have also gave written statement, They updated my information, Unbeknownst to myself and got two different creditors to contact me, One with a wriiten debt warrant to go court or pay the debt, I do not know this person or debt, So I would like to sue. it's in a written statement using my name and information will costs XXXX $ an hour, XXXX, They used my address without my permission XXXX XXXX - XXXX. No. XXXX [ Second Account XXXX XXXX XXXX XXXX Apartments, Have reduced a debt that's, not mine [ The XXXX XXXX XXXX account XXXX }, Reduced the debt to {$2400.00}. The previous owners of this apartment complex left owing {$190000.00} That's the amount that they cut they whole building water supply off, I left owing not a dime they credited me only XXXX I paid {$1900.00} to move in I have my receipts plus XXXX Administration fee these folks are crooks read their reviews
Consumer complaint received 2023-02-20
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. (MS)

Someone has sent in fraudulent applications for credit using my name on loans and some credit card. This is very scary knowing things are being processed in my name with my knowledge. These are the following companies that ran my profile. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. These inquires were not made by me XXXX! And I have not given any autorization for anyone to do so. As of today I will be contacting the three major credit companies to place a lock on my credit file. Someone has placed fraudulent activity on my credit file.
Consumer complaint received 2023-02-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SUNCOAST CREDIT UNION (FL)

I, XXXX XXXX, XXXX have addressed this complaint over the phone to only receive more Suncoast Credit Union checking statements ; XXXX statements since this XX/XX/XXXX complaint. If Suncoast Credit Union want to be nasty, and play a game ; I'll bring fraud charges against their entity, for the fraud committed against me within the XXXX XXXX I have done business with them_ under fraudulent contracts. That I was not aware of ; I don't care who runs this entity, It should not take 60 days to close out an account that was to be closed in XXXX. XXXX have violated laws under breach of contract ( s ) of each loan provided me, as well as their credit card, and for XXXX XXXX to have their staff state they can not closed account, because I owe a credit, when it is irrelevant and I was not provided full disclosure on SunCoast contracts, when knowingly that their contracts were all fraud and can be fought, have XXXX XXXXXXXX to stop sending statements, when claiming to resolved this issue at hand. The checking account does not relate to any credit card to claim a reason not to close my checking account. This is harassment, and How dare Sun Coast to think that I would allow its company to drive this matter this way. keeping my account open when it is against the law, But anything goes in XXXX. The proper way to handle a credit dispute is to place this matter in court, not applied that Suncoast disallow my acct close because of a credit card that I do not owe, because who I am, and XXXX knows who I am, and fraud me anyway.
Consumer complaint received 2023-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (RI)

Please call, not enough space for all details. I went inside to make a deposit ; however, due to the tremendous amount of people waiting, I went to the atm inside the lobby. The ATM kept {$1100.00} cash along with my debit card. XXXX XXXX the branch manager XXXX ID # XXXX did absolutely nothing to assist. He gave misleading information and allowed XXXX to process a {$100.00} deposit which led to me having to call the XXXX # for assistance. He stated their electrical system was down, yet he was able to return my card and other customers were able to make transactions immediately afterwards. After requesting his direct supervisor contact information he originally stated he doesnt not report to anyone then provided a supervisor in their marketing department. My concern was for missing cash deposit not marketing. XXXX XXXX XXXX is the number he gave and that rings a few times before disconnecting. I emailed both XXXX and XXXX and have not received a response.
Consumer complaint received 2021-04-29
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: SOUTHSTATE CORPORATION (GA)

CenterState Bank XXXX XXXX  sold my Mortgage in the amount of {$360000.00} to XXXX XXXX company in XX/XX/2020. However, CenterState did not release the mortgage and close the account, so BOTH mortgages are showing as active loans. That means that according to my credit report, I have over {$760000.00} in mortgage loans ( two loans on the same house ), and double the monthly payments ( one for each loan, although CenterState should show {$0.00} ).

I have attempted to call CenterState Multiple times. Each time I get passed around to different departments, and eventually am told they need to investigate it and get back to me. I have been trying to fix this for a year.

This is ruining my credit, as it makes my debt-to-income ratio unacceptable. It has also caused my credit score to drop at least 80 points. I have been unable to get
approved for even the smallest loan or credit card. This has impacted me financially in a quantifiable way, as I am renovating a house to list for rent, but I can not complete the repairs because I can not get the materials I need. Every month they stall costs me at least {$1500.00} in income I could be getting on the rental house.

I need CenterStage to close my mortgage account which they sold to XXXX a year ago. It's unacceptable and damaging to hard earned excellent credit.
Consumer complaint received 2020-05-04
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (TX)

I used my direct express debit card at a corner store at the ATM ... the ATM crashed at the end of my transaction and put an error message up ... the money never came out ... ..i told the owner of the store and he checked the machine and said the money was never dispensed ... I told him I KNOW ... but the money was already deducted from my account! He told me to call my bank ... .i then called the police and they advised me to call number on ATM ... ..i immediately did ... .they asked for my card number I gave it ... .they advised me the money was never dispensed ... .i knew that but couldn't understand why it was paid on my account ... i spent the next 3 days trying to get in touch with my bank which was impossible ... i finally got some one and they took my dispute ... .and told me I could get a provisional. Credit after paperwork was received. I thought problem solved ... then I tried to use my card for a simple purchase and it was declined ... i checked my account online and my card had a fraud suspension on it ... .at this time days later I have been unsuccessful contacting my bank ... .they won't answer ... i have been on hold for hours and hours and they won't answer they stole XXXX XXXX dollars from my social security money and they won't take my call ... .during this stressful time financially they took advantage of me ... .ive been ready about direct express on the XXXX website ... .and I'm shocked this fraud is perpetrated on hundreds of people!
Consumer complaint received 2020-05-28
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. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong.

I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have  received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2023-02-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (WY)

I have an auto loan with Credit Acceptance that was approved in XX/XX/XXXX. I was making payments, and fell behind when the Covid hit and the community was, and still is on a stay at home mandate. The main concern is that I feel that the payment, interest rate isn't accurate. Maybe my interest rate isn't correct? There was an error on the odometer also when I initially purchased the vehicle. The Credit Acceptance was sending me letters for non-payment, even during covid, to pay the balance in full, then suddenly they wanted to settle for {$5000.00} I believe in XXXX, and at the beginning of XXXX they sent me a settlement letter that they would settle the debt for a little over {$6200.00}, reporting to the Credit Bureaus as settlement plaid less than full. The total payoff balance is {$33000.00} and the car is a XXXX XXXX XXXX.
Consumer complaint received 2021-11-12
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. (PA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2020-05-28
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. (MI)

I CHECKED MY CREDIT REPORT AT THE END OF APRIL 2020 AND I FOUND THESE FRAUDULENT ACCOUNTS AND INQUIRIES THAT I DID NOT AUTHORIZE.I MADE A POLICE REPORT WITH THE CITY OF XXXX(REPORT# XXXX). I ALSO SPOKE WITH DETECTIVE CORPORAL XXXX  XXXX(XXXX-XXXX-XXXX). I THEN SUBMITTED THIS INFORMATION TO ALL 3 CREDIT REPORTS IN PURSUIT TO SECTION 605B(c) OF THE FAIR CREDIT REPORTING ACT, SO THAT THE CREDIT BUREAUS COULD REMOVE THESE FRAUDULENT ACCOUNTS. IT HAS BEEN OVER 30 DAYS AND I STILL DO NOT HAVE A RESPONSE FROM EXPERIAN AND TRANSUNION. XXXX  REPLIED BACK STATING THAT THEY ARE NOT GOING TO HONOR MY REQUEST.

XXXX XXXX XXXX XXXX	
OPENED-XX/XX/XXXX

XXXX XXXX XXXX XXXX
OPENED-XX/XX/XXXX

XXXX XXXX XXXX
XX/XX/XXXX

INQUIRIES BELOW

XXXXXX/XX/XXXX

XXXX/XXXXXX/XX/XXXX

XXXX  XX/XX/XXXX

XXXX  
XX/XX/XXXX

XXXX  XXXX  XX/XX/XXXX
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

This is my third complaint with this company. I was having health issues and explained my situation to this company. I also informed them that I would not be in a position to make a payment for the month of XXXX due to my condition. I was told by one of their representatives to submit the payment for XXXX and they would allocate the monies for XXXX. I submitted a payment of {$100.00} and requested that {$50.00} be applied to XXXX and {$50.00} applied for the month of XXXX. I have tried to go take the proper steps by explaining my situation to this company to no avail. I keep getting a reply that the information furnished to the credit reporting agencies is accurate. I am not disputing that the information is inaccurate, but what I am disputing is given misinformed information from customer service representative that work in this companies behalf. As a result a negative 30-day late was reported on my credit file. This an error or misstatement of the part of this company and should be corrected immediately. An exception should be applied to this situation due to me not being given the correct information. This company states that a XXXX payment was not made and this too is inaccurate information. I will continue to pursue this issue until it is completely resolved.
Consumer complaint received 2023-02-24
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: Experian Information Solutions Inc. (TX)

REQUEST TO CEASE AND DESIST ALL THEFT BY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX KY XXXX Dear XXXX XXXX XXXX XXXX : We regret to inform you that your employment with Title Company XXXX XXXX XXXX is being terminated, effective XX/XX/XXXX. 

You are being terminated for violation not limited to reasons of Perjury, Slander, Harassment, Insults, Briberies, Theft, Commercial Espionage, and Poor Performance. You Freely Entered Into A Signed Written Contract Between XXXX XXXX  XXXX And The Title Coordinator Regarding A Non-Compete Agreement On XX/XX/XXXX, At The Time You Accepted Employment With The Department XXXX XXXX This Agreement Stipulated That You Not Solicit For A Period Of 1 Year Independently Or Through A Competitor Of Minority/Woman- Owned Businesses Enterprises Within The 50 States Of America. More Specifically, Your Non Disclosure Agreement States That You Will Refrain From Any Direct Or Indirect Perjury/Slander to obtain Contact With Current Employers, Vendors, Consumers Or Any Other Individual Entity Maintaining A Contractual Relationship With XXXX  Business Management That Develops, Manufactures, Markets, Distributes And/or Sells Any Products/services Provided By Or For XXXX  XXXX XXXX. It Has Come To My Attention That You Are Now Working With A Competitor Of The Defendant And Have Been Soliciting Stolen Goods/Services From Consumers And/or Business Corporate Owners Of The Respondent ( s ). As You Are Aware, Soliciting Stolen Goods Or Services Of The Respondent ( s ) by way of perjury, grand theft, survivor fraud Is A State Felon Offense And A Direct Violation Of Employment You Agreed On XX/XX/XXXX, Thus You Are Interfering With The Arrangements Established Between The Surviving Defendant ( s ) And Its Customers Market and Commercial Affiliations. In Addition, Your Current Employer, XXXX XXXX XXXX, Is Also Interfering With The Agreements Set Forth And Established By The Department XXXX XXXX. You Are Hereby Requested To Cease And Desist Any Further Solicitation Of Currency of Employer by Aggravated Theft of Wage Details, Employment Fraud, Power of Attorney, Social Security Fraud, Bank Fraud, Securities Fraud, Applicants, Employees, Vendors, Customers Or Any Other Individual Entity Maintaining A Safe Working Relationship With Public Works. Failure To Comply Will Result In The Obtainment Of A Writ of Execution Order In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX TX XXXX.