davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-22
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I contacted Bank of America several times about a fraudulent bank transfer. The first time they marked my claim as user error, but I called about a fraudulent transaction. They should have been able to suspend the transaction as it was before business hours on a Monday morning. After they sent the first letter denying my claim stating I input the information wrong I had to call back because the claim should have been filed as Fraud. Ive had to go back and forth with them several times and I have repeatedly requested back up documentation showing that the money was transferred to my account, which they have yet to provide. They are not completing any type of real investigation and none of the supervisors have access to phones for me to discuss this with. I find that incredibly hard to believe that a manager/supervisor works with no communication to the team. Each time they " respond and resolve '' it is the same thing. A SINGLE page that says " You authorized this '' They are doing absolutely no investigating. I am trying to look into who I can contact to investigate Bank of America for their fraudulent practices. They are nothing but a bunch of Crooked people who steal from people who relied on their disability payments while they were off work. It is apparent as to why EDD switched to another Vendor. I wonder how many other people have had their Disability benefits stolen from them by Bank of America. 
They sent the same thing they have been sending for the last year. They refuse to take responsibility for mishandling the claim. I did not authorize, approve, ask, send, talk with anyone at all about doing a transfer of {$1100.00}. The MINUTE I saw the email that my routing information changed I got on the phone with Bank of America. Now they messed up how they handled my initial complaint. They said it was user Error, but it was FRAUD. I never gave anyone authorization, I did not and DO NOT approve the transfer. Someone whom I have NO idea who they are transferred my disability money and Bank of America aided them in the transfer. I really need to know next steps of who I need to contact to have Bank of America held responsible for this cyber theft. I will be re-issuing this complaint and will continue to do so until Bank of America returns my stolen money. I need to know who I contact to press charges against Bank of America. They need to be held accountable for their cyber theft and aiding criminals.
Consumer complaint received 2020-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have excellent credit and had this OLD secured credit card from capital one. I decicded to close it over two months ago. They assured me they would refund the secured payment of {$500.00}. Two months later it is still not refunded. Today I called and talked to Capital One ( call recorded for review if you need it ). They are saying that a refund will be issued in two more billing cycles because " the account was under investigation ''. There is nothing to investigate, there has been not transactions for over a year. They are just holding on to a secured deposit and this is a crime or in the least a fraud. I want this company investigated. I am releasing the audio recording to the media as well as filing complaints everyone including with the US Secret Service. Someone in management needs to competently respond to this. Regarding account ending in XXXX. As you can see in attached screenshot from their website it says it was refunded on XX/XX/09. I talked to XXXX on Fraud Protection and talked XXXX who refused his last name but gave an ID XXXX a manager at Capital One. He refused to discuss further as he said he can not authorize further recording of the call, yet he said they were recording call. What a joke of a company that is committing a fraud.
Consumer complaint received 2020-01-31
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-01-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

Sometime in XXXX, there were 2 tradelines that negatively appeared on my credit bureaus with XXXX, XXXX  and XXXX. Both were for a creditor named XXXX XXXX with one alleged debt totaling {$5400.00} and the other one totaling {$1200.00}. This was after a Bankruptcy filing. I disputed the negative and inaccurate tradelines and the credit bureaus. They claimed to have verified the debts without provided the method used. So i reached out to Portfolio Recovery Associates LLC and requested full validation of the 2 debts in accordance with FDCPA laws. I never got any response. However the erroneous reporting to the 3 major bureaus continues to damage my credit and hinder me from establishing new credit and secure a vehicle loan and a place to live. I decided to dispute the tradelines again via the 3 credit bureaus. After sometime had passed they were once again verified ony by the credit bureaus and would remain on my credit reports. I then finally received a copy of only a front page of a bill only showing company and amount. There was not full validation of the debt or proof of debt by Portfolio Recovery Associates LLC to inlclude the detailed accounting of how the alleged balances were computed. By them not providing full proof of debt, they are in violation of FDCPA laws and therefore must remove any and all negative reporting to the 3 major credit bureaus otherwise they may be held in violation of FDCPA laws and become susceptible to being sued in a court of law for damaging my credit by reporting false information. As of today, XX/XX/XXXX, I have sent another correspondence to them demanding for removal of the negative reporting from all 3 credit bureaus immediately. They are illegally damaging my credit and ability to obtain housing. I have attached the correspondence that was mailed out to their address on file.
Consumer complaint received 2020-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX at XXXX EST I called Citi and tried to redeem my " ThankYou '' points for travel. The flight I requested to book was not available. To remedy this, the agent suggested that I book directly with the airline, in my case XXXX, and then could use my ThankYou points to offset the charge. After the agent explained, I clarified that the points could be used at the XXXX cent value advertised in the booking platform. The agent confirmed, and I booked a ticket with XXXX. On XX/XX/XXXX at XXXX EST I called Citi to redeem my miles against my now posted XXXX charge. Citi informed me that this is not possible, and I was misinformed. I asked to speak with someone that could triage this, as I felt as a new customer the agents suggestion should be honored. The agent told me that he sent an email to his managers, and I could expect a call back in 1-2 days. No call back was given. On XXXX at XXXX EST I called into Citi again, this time to tell them I was expecting a call back that never occurred. I was transferred to a manger. The manager told me he would personally follow up on Monday, XXXX XXXX after " looking into the issue. '' No call back was received.
Consumer complaint received 2020-01-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

My mortgage was with Seterus Inc., it recently transferred to Mr Cooper. I received a notice that indicated my mortgage was going up because I didn't have enough money in my escrow account for taxes and insurance. Now, up until maybe XX/XX/2019 was was paying my own homeowner insurance. 
I purchase Ins. from XXXX XXXX XXXX, policy XXXX, a month in the policy I received a letter indicating the price change to 3 times the amount.I asked them to cancel that policy and the still took {$800.00} and sent me the rest, which unfair to any homeowner.I then purchased with XXXX Underwriters ( XXXX XXXX ) I never had a gap in my insurance. I spoke rep from MrCooper who indicated Seterus adding to my escrow and a check was sent out to the Insurance, but returned with a partial amount. The insurance company rep stated, no check was every sent out because I paid it in full.Both parties were supposed to send me the documents, but I haven't received anything for either party. This is very frustrating because I'm on a fix income and can't pay an extra XXXX a month attached to my mortgage. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX loan # XXXX
Consumer complaint received 2019-09-11
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: PENTAGON FEDERAL CREDIT UNION (GA)

PenFed is reporting to inquires on my credit file that I did not authorize. I have a fraud alert set up on my credit file and I did not receive a call to verify any information. Therefor I did not authorize theses inquires.
Consumer complaint received 2020-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (FL)

I have been sending my brother a check for {$1000.00} every month for well over a year. It has always worked fine for him using his Citibank bill pay system except for the XX/XX/2019 check with reference number XXXX and trace number XXXX. This is what happened to that check as evidenced on my brother 's bank statement which is attached : XX/XX/XXXX19 {$1000.00} Check is deposited XX/XX/XXXX19 {$1000.00} Check gets charged back XX/XX/XXXX19 {$1000.00} Check is redeposited per instructions of Citibank to do so XX/XX/XXXX19 {$1000.00} Check gets charged back XX/XX/XXXX19 {$1000.00} Check deposit shows on the statement but this is the XXXX check which, like all other {$1000.00} checks he sent me before and after this cleared fine. 

I did not place a stop payment on this check and my bank ( Citibank ) is claiming they never did either yet that " Refer to Maker '' stop payment is clearly shown in the attached document. Citibank has instructed my brother to have XXXX XXXX trace the payment using the sequence and trace numbers in their letter to him dated XX/XX/2019 ( see attached ), which includes my notations in red ink. 

Citibank is claiming the funds are with XXXX XXXX XXXX  so we are both out {$1000.00} in that my {$1000.00} account deposit was charged back on my brother 's account at XXXX XXXX XXXX  and Citibank never credited back my checking account. 

Please investigate this matter ASAP, as it has been 7 months since I have been struggling with Citibank over this issue only to have them deny my claims and place the blame on XXXX XXXX XXXX. The central issue is that they refuse to say why they placed a " Refer to Maker '' stop payment on these funds which cause my brother 's XXXX XXXX XXXX ( headquartered in XXXX, CA ) to debit his account for this {$1000.00} amount.
Consumer complaint received 2020-01-06
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 is my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.
Consumer complaint received 2019-11-05
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 — Their investigation did not fix an error on your report
Company: FORD MOTOR CREDIT CO. (CA)

FORD MOTOR CREDIT ACCT # XXXX HAS REPORTED A LATE PAYMENT FOR THE MONTH OF XX/XX/2019 AND IT HAS HURT MY CHANCES OF BUYING A HOME AND I WAS NOT LATE.
Consumer complaint received 2020-01-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe (NY)

1. Conserve collection agency alleged I owe {$5900.00}, this information is inaccurate and not validated. 
2. Conserve Collection Agency fail to contact me about alleged debt before reporting the debt on my credit file with the 3 major credit bureaus ( XXXX, XXXX  and XXXX  ). 
3. Conserve Collection Agency failed to respond to my validation request letter within 30 days of receiving it. Return receipt and certified mail received and signed by conserve collection on XX/XX/XXXX. Under both State and Federal consumer law I have the right to have my debt validated, while CONSERVE Collection is  obligated to respond within the statutory time limit. 
4. I sent a follow up debt validation letter on XX/XX/XXXX, as a reminder to Conserve Collection Agency with no reply as of date. 
5. CONSERVE COLLECTION AGENCY reported invalidated information to the 3 major credit bureaus ( XXXX, XXXX  and XXXX  ) this action might constitute fraud under both Federal and State Laws. 
6. Conserve Collection Agency is legally obligated not to report a debt that has not been properly validated to any of the credit bureaus.

7. Conserve Collection requested for copies of my credit report file from the credit bureaus without my consent or permission.
Consumer complaint received 2020-01-06
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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (MN)

I have 7 bad marks on my credit from Synchrony bank due to their claim of delinquent payments. However, these marks should not exist because Synchrony repeatedly failed to inform me that multiple attempted payments were not going through. 

The account was paid in full XX/XX/XXXX2019, however my credit reflects Synchrony claiming I was delinquent 7 times : 30-59 days - XX/XX/XXXX, XX/XX/XXXX 60 days - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 90 days - XX/XX/XXXX, XX/XX/XXXX While carrying the loan, I'd made multiple attempts to pay my balance over phone. I was told at the end of each phone call that my payment was processed. The next month, I'd receive another statement and go through the same process, again being told that my payment was processed. All the while, I was not informed of my payments being rejected after our phone call had ended. After a few months, I caught on to the accruing late fees and un-moving balance, and when I brought this to the attention of Synchrony they had no record of ( or willingness to share ) my attempted payment. They even disconnected me on one occasion I'd brought the issue to their attention I began working with Synchrony on XX/XX/XXXX to open an investigation on my account. On XXXX, they concluded their investigation and decided there wasn't any means for removal of the marks. I've requested additional information showing my multiple phone calls, attempts to pay, and the history of " unpaid '' balances following those conversations, but their are unwilling or unable to pull that history for me.
Consumer complaint received 2020-01-19
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: Ad Astra Recovery Services Inc (FL)

I am writing a complaint in regards To the three credit bureaus XXXX, XXXX and XXXX XXXX. 
I am also writing this complaint in regards to the companies AD ASTRA RECOVERY SERVIC and XXXX XXXX XXXX. Im having a hard time getting my information verified or deleted and under the fair credit reporting act, 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify. To verify they have to have proof of an original signed contract otherwise they have no authority to report this on my credit report. I have yet to receive any signed documents that they can verify. Ive sent out two letters to dispute this information and Both times all three credit bureaus verified it. After my first round of dispute letters I received a package in the mail from XXXX XXXX XXXX in regards to my dispute and I know thats not allowed. XXXX XXXX deleted one of my accounts but the other two bureaus updated it and I dont understand how thats possible when its already deleted. I would like to ask AD ASTRA RECOVERY SERVIC and XXXX XXXX XXXX to stop reporting this immediately because they can not verify the information and the three credit Bureaus to delete this from my credit report because this is really hurting my credit score.
Consumer complaint received 2020-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

In XXXX I opened a XXXX Card AAdvantage Aviator Master Card, a promotional offer on an XXXX XXXX flight. I subsequently never used the card. On XXXX XXXX, XXXX I was advised the account has been closed due to delinquency. I contacted XXXX on XXXX XXXX, XXXX. A " representative '' researched the account, found the {$99.00} amount " due '' was only for an annual membership renewal and that I had never used the account. I stated I wanted the account closed, the membership fee credited and the derogatory delinquent status removed from the credit bureau reporting. The representative, after looking at my other XXXX XXXX Card long history and good-standing, stated that he would do precisely that. I was provided a case # XXXX. I have since found the derogatory status has reduced my FICO score from +800 to <700. 
I contacted XXXX today as I had previously requested to be copied on communications to the credit bureaus. The " representative '' today was much less helpful, unable to provide confirmation of anything ( other than confirmation of the case # ) and basically told me to file a claim with " FCRA ''. I do not feel that XXXX is cooperating in this matter in a timely nor professional, informative matter. I would like reassurance that the proper, agreed upon info is sent to the credit reporting agencies.
Consumer complaint received 2019-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am writting this due to non-compliance with the ( XXXX, Experian, XXXX  ). they have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2020-01-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account came from but they failed to provide me so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2020-01-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY (CA)

On XX/XX/19 I got an alert from my XXXX credit card that I had a delinquent account reported from XXXX. Upon checking, I saw that my credit score decreased from XXXX to XXXX. The credit report stated that Nordstrom reported my Nordstrom  credit card as delinquent for an {$84.00} balance. I was very shocked because I had set up an automatic payment on the due date, so I reasoned this was a mistake. 

On the same day, I called Nordstrom and asked them to report my account as current because I had set up payment for the due date of XX/XX/2019. They said the payment was returned to me but couldn't tell me why. I said I had no idea that my payment was returned, that I never got any statement or letter to notify me of the returned payment. If I received it, I surely would've paid on time because it was just {$84.00} and I have a very good credit score and history. I felt it was a violation of UDAAP, ( unfair, deceptive, act and practice ) because I never got a letter beforehand for the return, and after 60 days the account was reported delinquent. It is very unlikely I was trying to cheat the bill. Nordstrom ended up telling me to file a dispute with the credit agencies. I also paid the {$84.00} balance on the phone just so that my account would show as current again. 

Later I wrote a dispute to XXXX and XXXX explaining my situation and attached supporting documents that I had set up payment to pay on the due date, but the payment was returned to me. I explained that I never received a statement and letter and to report my credit as current as I had intended to pay it. Both credit agencies returned a decision back to me saying that my credit score was unchanged and therefore the credit file would still say my Nordstrom card was previously delinquent.