davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2019, I was trying to deposit my traveler 's checks at the Capital One bank branch at XXXX XXXX XXXX, XXXX, NY XXXX, as I was following the Capital One Bank 's online instruction and the instruction from the Capital One 's phone agent. First, I was trying to deposit the checks at the ATM. However, I encountered error with the ATM. I then went to the banker to deposit. The banker had not seen a traveler 's check before and did not know the existence of the traveler check. Then, she consulted with her manager which I felt appreciated. However, her manger 's attitude was that she had never seen this kind of product based on her 3 years financial experience, she refused me to deposit the checks. I told her that it was a chance to learn something new as she was working in the financial business. She was too arrogant to learn and to check with her support desk nor checking the information online. Despite the previous banker shower her the information on the computer when we were talking, she still refused to deposit the checks. Do not know a financial product as a bank manager is one thing but lacking the knowledge and not willing to learn is another. I would strongly encourage Capital One Bank to retrain its employees at this branch properly before they driver more customers away. After all, it's a highly competitive business and there are so many banks to choose from.
Consumer complaint received 2022-11-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (SC)

15 u.s.c. 1635 - right to rescind, I sent them notice of fraud and they have continued to report negativly to my credit report, without even disclosing that I had the option to opt out of them reporting negative items on my report. I have wrote letters to the CEO and the finance company.
Consumer complaint received 2021-09-10
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. (NC)

I have file 609 disputes with each of the three bureaus asking for debt verification on all collections in the form of writing and certified Mail asking for information on any collections along with two different documents providing my identification I have not received any information all I have received was a email saying the unverified debt was correct information I dont understand how they can investigate without me seeing any information when the law clearly states to report off information in writing if not remove the collections they are not verified
Consumer complaint received 2022-11-18
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)

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. 
Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX. has violated my rights. 
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 eleve mane information is inaccurate.
Consumer complaint received 2021-09-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (NY)

I received an invoice from Ability Recovery Service for a debt from XXXX XXXX on XX/XX/2021. I disputed this debt on XX/XX/2021 as I have already settled with XXXX XXXX as of XX/XX/2021. On XX/XX/XXXX, I received my first phone call from Ability despite not yet receiving written verification of the debt. On XX/XX/XXXX, I was notified that my this debt was added to my credit reports. On XX/XX/XXXX, I received another phone call from Ability. As of XX/XX/2021 I have yet to receive written verification of the debt.
Consumer complaint received 2022-07-18
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. (CA)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed item as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$20000.00}.
Consumer complaint received 2021-10-03
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: AMERICAN EXPRESS COMPANY (GA)

The company is reporting this account inaccurately and incorrectly, I have reached out to the company several times already but have not responded and resolved it. 

XXXX has removed this account due to inaccuracies and incorrect reporting however it is still being reported in XXXX & XXXX which is severely affecting my scores.
Consumer complaint received 2023-01-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (IL)

XXXX was sent over by XXXX That will cover XX/XX/XXXX to XX/XX/2023 I paid a different of XXXX to cover XX/XX/2023 payment. Flagstar bank havent applied the XXXX to my XX/XX/XXXX payment they keep giving me the run around I need my XX/XX/XXXX payment posted My loan number is XXXX
Consumer complaint received 2022-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (FL)

Ive been a customer with AMEX for almost 5 years. Always made my payments, and have paid my balance in full several times. Amex have gone out of their way to prove to me how much they dont value me as a client. And as much as I hate to say it, I strongly believe the reason for the way theyve treated me as a client is due discriminatory reasons. Let me explain. 

Ive have my Hilton Card since XX/XX/XXXX, my limit has remained the same. Ive requested for an increase several times and AMEX always come up with a reason to reject them. I would work on the decline reasons and reapply at a later time and they still decline my requests. To make matters worst, not only they never increase my limit, in XX/XX/XXXX, ( almost 4 years after being a loyal customer ), they decided to LOWER my credit limit by 80 %. I had to go through a lot of hassle to regain my original credit limit. I had to pay to fax income information, copy of my credit report with my scores ( my scores were over XXXX ), spent hours on the phone dealing with the assigned department. 

Now, as of XX/XX/XXXX, AMEX have completely remove the option for me to request for a limit increase. I can no longer apply for a limit increase. Have I really been that bad of a client to get that kind of treatment? 

We also had a Gold card, which was suppose to be a no preset spending limit card. Well 2 months after having the card, and AFTER AMEX charge us the {$250.00} annual fee, theyve placed a limit on that card too, a lousy {$2000.00} bucks was our credit limit - ON A GOLD CARD! Unfortunately we were never able to remove the {$2000.00} limit cap that was placed on our Gold card because AMEX refuse to acknowledge my personal income because my wife was the primary owner of the card. So we were forced to cancel the card for obvious reasons. 

Its a shame what Amex have come to be. I used to have high regards for Amex, but now its almost disgraceful what theyve become as a company and the way theyve treat their customers. And Ive heard the same feedback from many others.
Consumer complaint received 2020-11-27
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I was informed on XXXX XXXX that our checking and savings account will be closed for undisclosed reason. I contacted the Risk Department who's holding the fund also did not provide any valid reason when asked why the account is being closed and was advised to open a different account so I can transfer the funds. When I met the local branch representative within an hour of contacting the Risk office and provided the information, she contacted the same office ( Risk ) and received a different procedure, stating that I can not open an account and transfer the money. It has been 2 weeks that Bank of America is holding the funds from releasing even after I was advised by the customer services that I can go to the local branch and withdraw my money. I don't understand why the bank is holding up the release of funds if they want to close the account? The bank is arbitrarily treated us like criminals and will not allow us to access the funds. We do not have any liabilities toward the bank. I want to know why they suddenly tried to close our account and not let us access the fund. We do not have extra funds to pay for utilities and other creditors. The bank 's response was inconsistent and the customer is getting two different answers depending on who's contacting the same office.
Consumer complaint received 2023-08-30
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (PA)

a purchase of XXXX was made at XXXX  with my cashapp account that I had no knowledge of or did not authorize on either the XXXX  of XX/XX/XXXX or XXXX  of XX/XX/XXXX. I proceeded to dispute this claim with cashapp as well as alerted XXXX. cash app gave me the funds back temporarily then today my claim was falsely denied with no explanation.
Consumer complaint received 2021-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (NE)

I sold a house on XX/XX/2021 in XXXX county Nebraska and it was paid off that day. I had a mortgage with Amerisave mortgage on the property. Amerisave sent out half of the property taxes on XX/XX/2021 in the amount of {$850.00}. XXXX county sent the {$850.00} back to Amerisave on XXXX XXXX as it was a double payment because i paid the property taxes at closing on XX/XX/2021. Amerisave has been giving me the run around on where my money is. I get new stories every time i call in. They keep saying waiting for the check back. We are three weeks later and they refuse to cancel payment on original check and reissue. They refuse to give me my money that is owed.
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/2021 I received an email that the small business administration accessed a copy of my credit report and it is documented as an inquiry. I did not apply for anything. I was on the FEMA SITE getting help with filing my disaster claim because I was impacted by the flood in New Jersey. The volunteer walking me through the steps advised that the FEMA site is taking them to the SBA site. I then declined any loan or assistance. I did not authorize or request any services from the SBA. I reached out to them they told me I needed to file a dispute with the credit reporting agencies. I contacted Experian who sent me the alert and they told me I needed to file an identity theft police report at FTC, I went to FTC site and it has been very unhelpful. At this time everyone is refusing to assist and now I have this inquiry on my report that I never authorized.
Consumer complaint received 2022-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This was not sent in error, I am a consumer by law and my information was misused. Due to this there is false information reporting on my credit report. Unauthorized use of my credit report
Consumer complaint received 2021-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My Bank of America EDD debit card information was somehow stolen and around {$3000.00} were drained from my Debit account using ATM withdrawals leaving me with a meager {$200.00} balance before the XXXX XXXX XXXXI only found out on Thursday XX/XX/XXXX after my card was declined at a XXXX. There were 2 fraudulent withdraws for {$1000.00} cash at an atm and another withdraw for {$900.00} followed by another withdraw for {$100.00}. All in less than 48 hours. The bank failed to notify me of any fraudulent activity which had occurred on the XXXX and simply suspended my card. When I got a hold of them that day after my card was declined they had me open a claim and informed me it could be up to 90 days thats 3 months before they decide if they will credit my account or not for the stolen funds. Keep in mind I had the physical card on hand and someone was able to withdraw {$3000.00} from an atm without my actual atm card. The bank transferred me from rep to rep over two days and said all they could do was perhaps give me some kind of credit in 10 days but emphasized they could not do anything about it at this time. Its clear they failed fo secure my information properly, failed to notify me of the fraudulent activity, and considering that all atm machines have cameras nowadays they can clearly check the atm at which these withdrawals took place to see it wasnt me and find out who did it. I have replied on these unemployment funds to survive and Bank of America has left me penniless and unable to provide for my family and my sick grandmother because of their inaction and lack of urgency. They refuse to credit my account back for the stolen funds and are forcing me to wait 3 months.
Consumer complaint received 2021-09-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. They state it was paid i never paid for this because i didn't even know about it until i seen it on my credit. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus. They are also reporting the same fraudulent account with two different collection agency for the same fraudulent account the same amount.
Consumer complaint received 2022-11-19
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. (GA)

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. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-09-10
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. (LA)

I have been submitting these accounts to the credit bureaus for over 1 year with police report and FTC report. 
XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-22
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. (AR)

I was informed by banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. please remove these fraudulent accounts from my report as soon as possible. XXXX XXXX  XXXX {$9700.00} CHAPTER XXXX BANKRUPTCY DISCHARGED CHAPTERS XXXX BANKRUPTCY DISHCARGED CHAPTER XXXX BANKRUPTCY FILED
Consumer complaint received 2021-07-03
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. (GA)

Today on XX/XX/XXXX, I contacted credit reporting agencies via telephone to remove unauthorized inquiries and accounts on my report. The representatives refused, which is a violation of my consumer federal protection rights. XXXXXXXX/Equifax/XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiries and accounts be removed now. Plus I already received a letter from XXXX XXXX saying they would remove this fraudulent account from my credit profile, nut yet they deceived me because they left it on my credit report. that is very deceptive under 15 USC 1692j & FDCPA section 807. I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). this is complete XXXX and a protected consumer, I feel as if my rights are being abused. please refer to my invoices to remedy this situation.