davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/XXXX I was notified by email that my capital one 360 checking and savings account had been restricted. 
XX/XX/XXXX spoke with an agent from the fraud department who Told me the restrictions were the result of internal flags due to XXXX XXXX loans received in my account in XX/XX/XXXX. The agent stated that I would need to provide proof of my small businesses. I spent Approx 2 hours on the line with the agent answering detailed questions about my two small businesses ( one a farm and the other vehicle repair ). The agent requested tax documents and EIN documents, which I then provided by email on the same day. I was told it would be 48-72 hours until the funds ( approx {$22000.00} ) would be available again, and that I would be contacted if there were additional questions. I re-emailed the same documents on XX/XX/XXXX and XX/XX/XXXX as I had not received a response. It is now many days later and my banking accounts are still restricted. I have no access to my money. I have employees to pay and animal feed to purchase and no response from the bank. I request the back immediately unrestrict my accounts, or send all funds to me by bank check. Capital One is improperly interfering with my money, as I continue to pay interest on my XXXX Emergency loans.
Consumer complaint received 2021-09-24
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)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I sent letters to Equifax the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THIS LATE ACCOUNT IS NEED TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX-Balance {$190.00} -Date Opened : XX/XX/XXXX XXXX
Consumer complaint received 2020-11-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (WI)

On XXXX and again on XX/XX/2020 I received fraudulent dunning letters from Midland Credit Management ( MCM ) concerning a bill I supposedly owed to " Original Creditor " XXXX XXXX '' -address not shown, bill of {$700.00}. From : On their letter : On their Envelope : " Midland Credit Management No name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. XXXX XXXX, MN XXXX XXXX fraudulent address of MCM is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX/ My letter sent to that address was returned, " Not deliverable as addressed, unable to forward ''. Those letters are signed " XXXX XXXX, Consumer Support Services ''. Probably a non existent person. 

Checking this firm on the web shows another complaint about their fraudulent practices.
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

I opened a XXXX store credit card a little over a year ago. Everything was going well and I never had an issue. A few months ago I received a notice that my XXXX card would be converted into a MasterCard. 2 Months ago I noticed XXXX removed the Credit Card and its history from all 3 of my credit reports. My credit score has dropped over 50 points because of this. Im requesting you add the tradeline back to my Credit Reports.
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I opened a XXXX store credit card a little over a year ago. Everything was going well and I never had an issue. A few months ago I received a notice that my XXXX card would be converted into a MasterCard. 2 Months ago I noticed XXXX removed the Credit Card and its history from all 3 of my credit reports. My credit score has dropped over 50 points because of this. Im requesting you add the tradeline back to my Credit Reports.
Consumer complaint received 2022-11-19
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. (TX)

XXXX XXXX XXXX XXXX Account number XXXX The late payments reported on this closed account are not accurate. All three credit bureau 's are reporting different information. 15 U.S.C. 1681s-2 [ A ] [ 1 ] A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-12
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: EQUIFAX, INC. (CA)

Equifax is reporting hard inquiries and an address that does not belong to me or I have ever been associated with. 

ONLY NAME EVER USED IS XXXX XXXX XXXX ONLY ADDRESS LIVED IN SINCE XXXX : XXXX XXXX XXXX # XXXX, XXXX XXXX, CA. XXXX THESE INQUIRIES ARE FRAUDULENT : XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX
Consumer complaint received 2020-11-20
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

bank of America California Edd card. Claim number XXXX. I have Called BofA many time only put on hold for hours. They lied to me they told me EDD toke back {$1500.00} from me not them. When I ask how I can contact Bank of America lawyers. They told me to XXXX it. Bank of american is frauding the People of california. In XXXX they took {$1200.00} from me they never deposit it on my Unemployment card. I ask about it they said we dont have Records that far back. So I wrote 5 state senators. In XX/XX/XXXX. Not one contact me back. So all this happen around XX/XX/XXXX. I went to the BofA and {$2000.00} was gone. I called and some how {$2000.00} was gone when they have a {$1000.00} a day limit on my card. How? Can that happen they turn off my card on me for trying to get {$100.00}. I am being harassed by bank of America. So I get a letter your funds are now permanent {$1500.00} they put the {$2000.00} back on my card. Thank BofA. Three months later they take it back. Say I am suspicious activity. And the claim is closed. I live in a Federal park. XXXX when the money was take by BofA. this is no longer a state issue. I will contact the Federal Reserve if need. I should have called the US Park Rangers. But Bofa said they would try and fix it that was in XXXX. My cell XXXX and my Name XXXX XXXX XXXX XXXX XXXX ca XXXX thank and have a nice day.
Consumer complaint received 2021-12-08
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: Experian Information Solutions Inc. (CT)

I have a " medical Debt '' from XXXX XXXX on both my XXXX and Experian reports, I was FULLY insured and proof of such is being uploaded into this dispute!!!! 

How can you justify billing ME and not collecting from my insurance? pure laziness!!!!!! 

They love to throw around that the debt is " Valid '' well lets see PROOF of that not just your lying word that its so called " Valid '' because here is MY proof that I was not only insured BUT that the medical visit was 100 % covered by my insurance company. 

It's far too easy these days for these companies to scam and try to collect, " We find it valid '' WELL OF COURSE YOU DO!!!!!!!! no one thinks its a conflict of interest? THEY do the investigating? ohh well you mean they found it valid? no? you don't say!! 

WELL LETS SEE PROOF!!!!!!
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (SC)

I have requested in writing that all of my old addresses be removed as I keep getting mail forwarded from the old addresses. I only have one address XXXX XXXX XXXX XXXX XXXX SC XXXX, that is the only one that I want on my credit file. XXXX and XXXX XXXX have removed them BUT Experian refuses to take them off my report. PLEASE REMOVE NOW.
Consumer complaint received 2020-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (GA)

On XX/XX/XXXX, I initiated a charge with the XXXX app, using my Citibank Mastercard as a method of payment. XXXX informed me that the charge for {$9.00} was declined in their systems and that I needed to contact Citibank to find out why. The charge was approved and it's still pending with Citibank. I explained to multiple Citibank representatives that XXXX informed me that the charge had declined in their systems and that there was nothing that could be done on their end to rectify the problem. Citibank still has the funds on hold for this charge and are REFUSING to resolve this problem or reach out to XXXX in regards to this issue. Citibank 's response is for me to state that the charge was fraud, which it wasn't, being that I authorized the charge to be charged to the card. XXXX, the Citibank representative on XX/XX/XXXX stated in chat that the only way that Citibank would attempt to resolve this problem is for me to claim this charge was fraud ( which XXXX could attempt to file criminal charges against me ) when this transaction was not fraud. I informed Citibank of this issue on XX/XX/XXXX when XXXX informed me of the issue. XXXX, another Citibank representative stated that the hold of funds would be released after 3 to 4 business days. That time has elapsed and this charge is still showing as pending. On XX/XX/XXXX, XXXX stated that this charge and hold will remain for 30 days of which gives XXXX the time to claim this charge, which I have stated to these representatives that XXXX claims they can not claim any charges because said transaction was declined in their system. Again, this issue is being left unchecked, while my card balance isn't correct.
Consumer complaint received 2022-07-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: T.S. Holdings (FL)

I had rats and no air conditioning in my apartment. I had to move to a hotel at the request of the management company. Movers refused to enter the apartment as there were live rats running around the apartment and dead rats in traps not cleared for weeks unless a {$2000.00} premium for risk was paid. ( XXXX XXXX did nothing for 2 months being aware of the problem ). I submitted bills in excess of {$8000.00} of which XXXX signed for and refuses to pay for ( legal pending ) Instead the same day XXXX sent a questionable file to I.Q. Data International who contacted me. I told them the story but no matter what I told them they ignored and continued calling me about this questionable debt. I told them that I will have to go legal against XXXX for this debt. For some reason I.Q. Data International put a higher amount on the XXXX file. They did not investigate what I told them or even their client. If they did they would see XXXX has a history of this. I DO NOT OWE ANYTHING AND XXXX XXXX OWES ME MONEY.
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (VA)

XX/XX/22 XX/XX/22 Hotel Reservation XXXX XXXX XXXX  # XXXX {$710.00} ( Fake phone number ) I have filed at least XXXX disputes for this transaction and they keep disappearing. 

They made me pay it and I still have not gotten a refund. Called many many times. XXXX XXXX disputes claims. Not getting anywhere. LOOP
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (KY)

Dear CFPB : Issue : The Macys charge account reported to the XXXX bureau before the first billing cycle due. In fact, I have not received the first statement. 
( This is incorrect information in reporting that communicates I did not pay off this debt ; within billing cycle due. [ This is not accurate ; furthermore, negatively affect the overall credit score ) This is a violation of my consumer rights ]. 

Action : XX/XX/2022 around XXXX and XXXX at XXXX ( XXXX ) XXXX. 
I called Macys credit account customer service twice. The first time I spoke with a representative, and second call I spoke with a supervisor [ both calls are recorded ].

Research : I have four credit accounts, and no other organizations reports to credit bureaus prior to first billing due date.

Desired Result : The Macys charge account correct this error ( to XXXX [ XXXX and XXXX ], and report after first billing cycle due. 

I appreciate your time to read, investigate, mediate, and to achieve desired result. 

Respectfully, - XXXX XXXX
Consumer complaint received 2020-10-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

State XXXX XX/XX/XXXX card XXXX On XX/XX/XXXX funds were deposited at midnight on XX/XX/XXXX my account was hacked on XX/XX/XXXX I waited forever to get a human and file the complaint they said I really couldn't follow complaint until Monday. Took 6 hours to get a human on Monday to follow complain I was assured that I would get a provisional credit. Since then nothing I can not get rid through to a person all of their phone numbers lead to a another transfer that put you on another hold and another person and they're telling me they can take 45 days to refund or provisionally credit this account. How is a human 's post to live that long. I'm on XXXX is it is. My name is XXXX XXXX. Claim # XXXX Landline XXXX If I failed to provide any info I need please contact me this is very important to me and understand that everything that I'm doing is being published Uploaded and shared via a blog
Consumer complaint received 2022-07-08
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX account XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. states that 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.

Also, there is missing information in the report. How do they even know this account is mines? Also, this account is not Metro 2 Compliant. 
I very disappointed in Equifax, XXXX and XXXX for not completing a thorough investigation.
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

TransUnion Makes you jump through hoops to " fix '' said issue but website doesnt work correctly, customer service says just use the website and supervisior says same thing completly unhelpful for an error on their end.
Consumer complaint received 2020-10-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a XXXX XXXX XXXXXXXX customer for both checking and my mortgage. I am current on all mortgage payments. I made an extra payment against principal in the same way I had previously by transferring {$650.00} from my checking to my mortgage on XX/XX/XXXX. That amount was deducted from my checking but never credited to my mortgage. I have spent at least 10 hours on hold and trying to reach and talking to customer service in both the mortgage and checking departments. I have filed an internal complaint and messaged them using every method. It has been 2 months and they have taken my money but neither credited it to my mortgage nor returned it to my checking. I was told at one point that I may just have to file a suit to get it back. This is their error and they need to fix it, but the total inability to get help makes it impossible. I have been a  customer since XXXX and have never been in default on anything. I dont know how to make them give me my money back.
Consumer complaint received 2022-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Social Finance, Inc. (CT)

In XX/XX/XXXX, I received a promotion ( from SoFi credit card ) through the app for XXXX XXXX apr on balance transfers through a certain date ( past mid XXXX ). I had another card ( discover card ) that the XXXX XXXX was ending in XX/XX/XXXX, and I wasnt able to fully pay it off before the end date of the promotion ( new card ). 

I tried to do the balance transfer through the app, but it didnt go through several times. Eventually, I ended up calling in, and a representative did it for me over the phone. I went over the promotion with her and verified that I would get a year of XXXX XXXX apr from XX/XX/XXXX to XXXX. She confirmed it before executing the transaction. Furthermore, she even recommended not using the card for any other transactions, to keep the promotion active. 

In early XX/XX/XXXX, I received a finance charge of {$71.00}. I called in to find out why, and the rep told me that the interest kicked in. This didnt make any sense to me, because I didnt do a balance transfer and pay XXXX XXXX on the balance, only to be charged XXXX months later for interest. I had other cards I couldve used, but chose this XXXX - and this happened. I complained and asked them to file a work case. 

I called in a week later to find out about it, and the rep told me it was still in progress. I called twice in XXXX and was told the same thing. I just called XXXX minutes ago, only to be told that the case was closed XX/XX/XXXX- not in my favor. What happened to when I called in XXXX? And those XXXX reps I spoke to didnt record the fact that I called ( maybe because they were rude to me ). 

I truly believe the offer changed because I read it and went back to it for around XXXX weeks before I pulled the trigger. Even If I were wrong, their product advertisement was misleading and the initial rep did misrepresent the offer. I wouldnt have done the balance transfer, if I had known. The rep I just got off the phone with assured me theres nothing that he could do. Prior to this transaction, I didnt use the card for months. I didnt move {$5300.00} and pay XXXX XXXX  of that to only get charged more interest than the Discover card. I regret doing that because of this experience. Is there any recourse here?
Consumer complaint received 2020-10-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

So far this calendar year, I have not received mortgage statemets/payment coupons 4 times for payments due on the XXXX of the month. I wrote to the mortgage holder on XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX to inform them of the issue. Each time, the payment was included with the letter. Today, XX/XX/XXXX, the payment mailed XX/XX/XXXX has not processed. Following the suggestion of the mortgage holder 's customer service staff, I made an online payment, but was charged a {$5.00} convenience fee because I live in California.
Consumer complaint received 2022-07-08
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. (OH)

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. 

XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) Account # XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX and Account # XXXX, XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX  XXXX XXXX ) Account # XXXX, XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.