davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc. (CT)

On XX/XX/2020 Comenity Bank website suffered either a hack or misconfiguration that allowed me to see at least XXXX other client accounts. The information that I was allowed to see was user name, phone number, full name of client, and account charges/payments activities. 

Maybe I would have seen more had I looked, but I was assured I would see nothing but what would be publicly accessible. I was also assured the site was not hacked. 

As a note, I recorded my screen for 2 of 3 clients while the site was " misconfigured. '' On XX/XX/2020 I made a complaint against Comenity Bank with the XXXX XXXX XXXX 

On XX/XX/2020 I received a secure message from Comenity Bank, which explained little or nothing. It did not say whether my account had been compromised, whether they were notifying all clients, nor what they would do to prevent further occurrences. 

On XX/XX/2020 the XXXX  said the case was closed, whether I accepted the resolution or not.
Consumer complaint received 2022-04-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION (TX)

I changed my insurance company back in XX/XX/XXXX to increase my coverage to make sure my house was properly covered after the recent increases in construction materials. My mortgage company took almost 3 months to pay the insurance company from my escrow account and when it did it submitted a duplicate payment which caused an escrow advance. During these 3 months my insurance company had to reverse a payment made by me out of pocket because according to the mortgage company the payment must be made by them from the escrow account. In XX/XX/XXXX I received a letter from the mortgage company requesting a payment of XXXX to cover the escrow shortage ( which was caused by their own mistake ) and the new projections for XXXX to avoid my mortgage payment to increase {$400.00} dollars by XX/XX/XXXX. Since XXXX I have been in contact with both the insurance and mortgage companies to resolve the issue they have caused and after more than XXXX XXXXhour calls they still haven't figured how to resolve the issue. According to both the insurance agent and one of the mortgage company 's home lending advisors the check was never disbursed since the insurance agent called the mortgage company and was asked to send the check back to them. Now the date has come in which I have to make additional XXXX payments to my mortgage company, and I do not have the money to cover that additional payment. I am a veteran that suffers of mood disorders and suicidal thoughts with a wife and XXXX kids, and I can not afford to lose my house. All this issue has caused me several illnesses, including not being able to sleep for more than a week, and been put in sleeping pills.
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hi I was a victim of fraud by a company which I thought hired me on XX/XX/XXXX, I received payment from them made my deposit and I end losing my checking account and now i'am unable to bank with other institutions as well as this appears on my record as fraud which I did intend to do please help me bank again
Consumer complaint received 2020-11-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

Disputed account information with current creditor as credit report directly conflicts information recently reported by the original creditor, as of XX/XX/2020. Current creditor insists the verification process is thorough and accurate. However, the difference between the two amounts reported is several XXXX dollars, and the order of error magnitude is twice whats reported by the original creditor.
Consumer complaint received 2022-04-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2022, I deposited my first paycheck from my new employer. It was a paper check due to the company electing to complete a direct deposit verification with the account information prior to sending the funds to the incorrect account. I went to the drive-up teller window of my local Bank of America branch and made my deposit. I was informed that the funds would be available on XX/XX/2022. Some time later, based on my online transaction listing, a hold was put in place on my paycheck until XX/XX/2022. The amount was not over {$5000.00} which, to me, is an understandable amount to be concerned about given a high amount like that had not been deposited before. I attempted first to address the situation with Bank of America. The representative was informative and explained there was a hold and gave general reasons as to why it occurred when the teller stated that it would be available the next day. I then called the issuing bank of the paycheck and they confirmed that they already paid the check and there are now flags for returning the funds. I then called Bank of America again to complain and ask for help to get some sort of resolution or meet in the middle regarding this matter since the issuing bank has confirmed they have paid the amount. I asked if the bank could be contacted or the ACH be verified that the money was there. The three levels of support that I contacted kept repeating the same script and emphasized that there is nothing they are going to do to help this situation. I stated that it is causing financial, mental, and marital stress that there is no help occurring and all that was stated was an apology and nothing will be done. I then asked about automatic payments that I have coming to my account and how will these for sure bank overdraft fees will be handled. The second tier supervisor relayed that I will be responsible for those fees which will be taken out of that money once it is released. I complained that it did not make sense since they are holding the funds are not willing to help sort out that the funds truly are available from a PAYROLL check. There are no other phone numbers available for BofA to just file a complaint so I am adding it here for hopeful resolution for others because by the time this is addressed it will be too late.
Consumer complaint received 2020-11-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I worked for a company that had an XXXX XXXX account and that issued employees cards. If an employee used the card for personal purchases, then the company policy was to pay XXXX XXXX directly for the amount used. Which I an other employee 's did. The company went under during Covid and I began getting notice 's and bills from XXXX XXXX addressed to me personally. Mind you I have never had a personal XXXX XXXX card or account and in fact was denied a card the only time I applied. I Made disputes which XXXX  replied to the credit bureaus that it was legitimate without supplying a copy of the application or any personal identifying information. I notified the Consumer Financial Protection Bureau and XXXX  at least adjusted my credit score but did not remove the false delinquency information. The other two agencies still have my score over XXXX points below XXXX ( XXXX XXXX. XXXX XXXX responded to me that since I paid my portion of the Bill I was responsible for the balance of the Company 's bill! I spoke with a person who would only provide her first name, XXXX, and she said its their policy. It's a crime to tell a deliberate falsehood to a regulatory type agency like credit bureau 's. I questioned if the other former employee 's were also targeted and they would not answer. But my contact with them disclosed that none of them contacted received any deliquencies from XXXX XXXX. The company was a S-corporation with its own tax id number and the law provides XXXX XXXX with a way of addressing the corporation. XXXX XXXX choose to notify the credit bureau that the accounts were closed but in doing so the closure remains as a delinquency on my personal report. a delinquency that has been closed is still a delinquency in the eyes of other creditors. I have been denied the smallest of credit lines and denied the ability to refinance my mortgage with the historically low interest rates because of this action. i know that XXXX XXXX is a large corporation but they should not have the right to submit false unsubstantiated delinquencies without governance. I would like your help in having the false information completely removed from all of my credit reports. Closing of the account is not removal from the report. if the CFPB is unable to have the credit bureau 's correct clearly wrong delinquency information on a Credit Report, then it's effectiveness is limited at best and useless at it worse. 
My research shows that this is a new agency and therefore may not be fully aware of the effect that actions like mine have on a persons credit life, but I also found it that the creation of the Bureau was for such a time as this. Thank you for your time and anticipated help in this very important matter.
Consumer complaint received 2023-01-12
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. (PA)

Credit card was fraudulently opened in my name. Fraud report was completed and XXXX XXXX completed. Account was removed from my credit report. Original company then sent fraudulent account balance to collection and that account appears on my credit report.
Consumer complaint received 2020-11-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (IL)

Fraudulent Unauthorized XXXX  transfers from Chase checking account On XX/XX/2020, 3 XXXX payments were initated and 2 were successfully completed. These were all made in the very early hours of the morning, outside of the account holder 's current pattern of use for the past 5+ years. The transfers were made in short succession. The 3rd one ( {$800.00} ) was correctly marked as fraud by the bank 's system, but the first two ( {$840.00} and {$800.00} ) were allowed to go through. 
A claim was filed for fraud charges with the bank, but it was deemed that they were no fraudulent. A 2nd, 3rd, and 4th fraud charge was filed my the account holder ( or reinstated the first depending on terminology ) for the same issue. 
Screenshots detailing a new device accessing the checking account in the days that the transfers were made as well as an added phone number and email to the account were provided. The bank felt these were not enough to prove the transfers were fraudulent but refuse to offer what information would be helpful. XXXX was never used on the account previous to this and has since been denied further access to the account as far as the account holder can tell. 
4+ calls to the Online Fraud Department as well as visiting the bank branch proper have yelded no resolutions.
Consumer complaint received 2022-04-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Sent numerous notarized interventions to this creditor on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they have yet to respond to this erroneous account with any validation and/ or removal of late payments from XXXX which are not validated. Filling a XXXX  complaint against this creditor as well.
Consumer complaint received 2022-04-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

On XX/XX/XXXX, I ran my credit report and noticed Portfolio Recovery Associates is on my report twice. One account number is for the amount of {$1200.00}. I contacted Portfolio Recovery Associates by mail on XX/XX/2022 requesting validation of debt. They sent two statements with an incorrect address on the statements. I have contacted them 3 more times for more information, including the original signed contract with XXXX XXXX. The letters were sent XX/XX/2022, XX/XX/2022, XX/XX/2022 and finally XX/XX/2022. They have failed to send this repeatedly and is still reporting on my credit report. They continue to only send a few months of statements with a business address on it that I never received mail at.
Consumer complaint received 2022-07-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION (GA)

This company approved me for a large loan ( {$20000.00} ). I was delighted since it meant that I didnt have to liquidate assets to pay for roof repairs. They sent me a separate email with the exact date funds would arrive ( XXXX ). Based on this confirmation of funds, I began to send payments that were overdue. Then we started to play games about which bank account. No business accounts ( I run a small business ). No joint accounts. No investment accounts. No new accounts. The deposit account must match the payment account. Always a different, undisclosed reason. The XXXX came and went with no money. I called, and they blamed my bank for not crediting my account. My bank told me no funds were ever transmitted. Then the only answer I could get was : its being reviewed, dont worry. As checks started to bounce and fees began to pile up, I began to become irate. I was promptly transferred to some supercilious fraud specialist who played twenty questions with me. Im a XXXX XXXX XXXX grandmother. I dont remember the address of a temporary apartment I lived in for a few months 12 years ago!! Well, well have to send it back for further review he gleefully announced. Suddenly, none of the emails contained a call number, and I was declined because my credit couldnt be verified. No attempt was made to clarify whatever problem existed. XXXX promised me three times that XXXX the Manager would call me. Then I was actually told his phone was malfunctioning. Finally an agent said that I should just apply all over again. I did that twice, and now Im being denied because there are too many inquiries. The truth is that they dont want my business because Im old, and theyre afraid Ill die before they get paid. All their vague reasons could be addressed in one honest conversation. The worst part is that Ive lost a XXXX points off my credit score, {$500.00} in bank fees, broken faith with honest business people, and I suspect theyve blacklisted me somehow because now no one will lend to me. I cried all night Thursday night. I cant believe Truist Bank would treat a fine customer this way. 

XXXX XXXX Dear XXXX XXXX XXXX This email confirms that you have chosen Tuesday, XX/XX/XXXX as your new loan funding date. 

On your funding date, we will deposit your loan proceeds into your designated account via an ACH ( Automated Clearing House ) transfer. Your funds will be available for your use at some point during that day. 

To confirm receipt of your ACH transfer and loan proceeds, please contact your financial institution. 

Your first payment is due Wednesday, XX/XX/2022. 

If you would like to make changes to your pending loan, you may do so anytime prior to XXXX p.m. Eastern time, Monday, XX/XX/2022. 

Of course, please feel free to email us with any questions or call us at ( XXXX ) XXXX. We also accept calls made through the relay service ( dial XXXX ). 

Thank you, XXXX We plant a tree with every loan
Consumer complaint received 2022-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (NC)

XX/XX/2022 XXXX switched to Goldman sach Bank and no payments was able to be made which was my due date. I was charged finance charges on XX/XX/XXXX. I logged in and made a large payment on XX/XX/XXXX, which my account said nothing was due. I was charged XXXX on XX/XX/XXXX. The voice recording on their end stated No Finance charges would occur during the transition. I have made multiple calls and Nothing has been resolved. On my following statement for XXXX I was charged {$10.00}. Again I paid my balance and then some. I have spoken again on the finance charges. AS TO DATE NOTHING HAS BEEN RESOLVED AS OF XX/XX/XXXX XXXX
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

USAA credit card services changed my method of billing delivery at some time in late XXXX. For more that 30 years my wife and I have received ONLY PAPER statements for the following : Two credit cards, 2-3 automobile insurance premium, homeowners insurance, automobile loans, and checking account. At no time in those 30+ years have we ever requested or received an electronic billing statement. This specific credit card account often had no minimum payment due OR there was a XXXX balance. In early XX/XX/XXXX I received a notice from 3rd party Credit Reporting company that my XXXX score had dropped XXXX points ( XXXX to XXXX ). I immediately learned that USAA had reported a past due of {$41.00}. I immediately spoke with USAA and paid the full balance and filed a " dispute '' regarding this " past due ''. USAA immediately refunded their late fee, and initiated the investigation. On XX/XX/XXXX I spoke for nearly an hour with a USAA XXXX Member Advocacy representative. That advocate informed me that she had completed all research on the matter and specifically stated that " we have no idea how this happened ''. Furthermore, she stated that " I have done all of the research and there is no process/procedure/facility to determine how, who, when or why this change was made to my account ''. Ten ( 10 ) days later, another representative from the Advocacy group informed me that they were not going to correct the error on their delinquency report. And in complete contradiction to the earlier two conversations with Advocacy that SHE had figured out that I requested a change in billing delivery to electronic on XX/XX/XXXX. The representative was unable and frankly unwilling to provide any documentary evidence that I had made or requested any change. USAA could only assert that I was in my on-line account that day. Therefore, I must have made that keystroke change. This was an error that several USAA representatives had already affirmed in several discussions.
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector XXXX not communicate with a consumer in connection with the collection of any debt. 


XXXX NAME : XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, FL XXXX INQUIRY : XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EMPLOYER : XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXXXXXX XXXX XXXX  MI XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION NAME : XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX  MI XXXX INQUIRY : XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX, ACCOUNT # XXXX XXXX XXXX, ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT # XXXXXXXX XXXX XXXX XXXXXXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX, ACCOUNT # XXXX 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 an account without my written instructions.
Consumer complaint received 2022-04-01
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: Experian Information Solutions Inc. (CA)

My sister and brother had a car loan that they used my info to get approved and my brother was late on one payment when i found out i explained to XXXX that this is the case they said if i make right on the payment they wont report me to the credit bureaus thus i made payment and paid off the entire account and removed my name from that loan. This is the only thing on my credit thats in accurate and i have been trying to fix it/remove it for months. Please help