davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-15
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO. (IL)

I have worked in financial systems and data Integrity for a large Banks over a XXXX period of my career and I am disgusted with what Chase Bank has done over the course of the last 15 years. Most importantly right now is there algorithm which is in violation of truth-in-lending especially for small businesses during Coronavirus. My problems are very very detailed with fraud in direct Financial negativity to my personal and businesses and accounts and lines of credit in excess of {$26000.00} between two cards one being chase XXXX unlimited and the chase XXXX program that is known for many issues and legal problems my credit was in good standing with no revolving balances with a very good history and all of my businesses since XXXX wear with Chase Bank they have fraudulently taken thousands of dollars for me reported my credit incorrectly and shut it off during a time when they should have not and all kinds of other illegal activities over the course of my relationships with them they're also withholding data and I know by law that they have to have at least seven years of data on file which is my right. 

I have tried to reconcile this with them financially and they have not come to terms their dispute process is one of failure and continued lies and inaccuracies in fact Never follow up on cases and use a blanket term that many Industries do called the back-office which in fact is nothing I am old thousands of dollars and it is ruined my small business and I will be reconciling everything to the XXXX in this is a formal complaint to do so and take action and litigation against the bank as a consumer and maybe as a consumer advocate please advise what to do again this is signed electronically and dated by my voice at XXXX XXXX Central Standard Time on Sunday XX/XX/XXXX you can reach me at XXXX please help and thank you for the service I hope it does help others get through this if we can't trust their banks at this point what do we have left? XXXX XXXX XXXX
Consumer complaint received 2020-11-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2020 I received a solicitation from Capital One Bank to deposit {$50000.00} of new funds from an outside source to my Performance Savings Account by XX/XX/2020 and leave it in the account through XX/XX/2020 and they would pay me a bonus of {$450.00} within 60 days of the end of the required deposit term. On XX/XX/2020 I transferred {$50000.00} from my High Yield Savings account with XXXX XXXX  to my Performance Savings Account at Capital One. That deposit remained with Capital One Bank until XX/XX/2020, which was later than the required term of the deposit to receive the bonus. It is now past the 60 days and Capital One has not credited my Performance Savings Account with the {$450.00} bonus in accordance with the terms of their solicitation. 
I have not contacted Capital One because : ( 1 ) I don't think I should have to since they made the offer to me, and ( 2 ) I am nearly XXXX and can not use a telephone and there is no email contact information on their website. 

I would request your assistance in requiring Capital One Bank to adhere to the terms of their solicitation and credit my account with the {$450.00} bonus. 

Thank you very much for your time and assistance.
Consumer complaint received 2022-09-27
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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 XXXXXX/XX/XXXX
Consumer complaint received 2020-11-01
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery Associates LLC, entered into written Settlement agreement, these XXXX XXXX stated in their letter that they would remove their TradeLine OFF my Credit Report, but rather these XXXX are still showing their TradeLine on my XXXX Credit report in an effort to Suppress my Credit Report as a XXXX Consumer. Portfolio Recovery Associates LLC are collaborating with XXXX XXXX and XXXX with efforts of Suppressing my Credit Report. CFPB, if you would read attached letter from these criminals Portfolio Recovery Associates LLC whereby they would XXXX Purge their little XXXX TradeLine Off my Credit Report, its still there!
Consumer complaint received 2022-09-27
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: BARCLAYS BANK DELAWARE (OH)

On XXXX XXXX I signed a contract with XXXX XXXX and charged my down payment of {$4100.00} for work to be done on my home in the spring. I was in constant contact with the contractor as to updates on my materials and job. Im XXXX he claimed that due to covid, the materials were delayed, but it would be soon, probably XXXX. I had no reason not to believe and kept in contact. XXXX came and went and he told me he was in contact with the supplier and my patio door manufacturing was holding up the project again, no reason to question this because this has been a common occurrence with everything due to covid. I was in weekly contact with him up until the morning of XXXX XXXX when he was XXXX XXXX XXXX XXXX XXXX. We later found out that he never ordered the supplies, defrauding me out of my down payment. I used my credit card as a means of protection for this type of reason. I have text messages and emails to prove all of this and have sent it all to my credit card. They are saying it was not in the allowable time frame but i could not do that because i had no idea i was a victim of fraud and no reason to file a dispute until his death and subsequent investigation that proved this. The company is still in business as hiXXXX XXXX XXXXs the other agent. She will not respond to any of the customers and has begun selling off the office equipment. I respectfully request that the amount be charged back to ehe business. He used XXXX to complete my card purchase.
Consumer complaint received 2020-10-25
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.
Consumer complaint received 2020-11-01
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: SYNCHRONY FINANCIAL (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-11-01
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: U.S. BANCORP (PA)

I was charged about XXXX dollars in XXXX from XXXX. I was also charged an additional about XXXX dollars from XXXX as well as 2 separate charges billed through XXXX for wish orders roughly XXXX dollars and the other XXXX dollars. I also hard a random XX/XX/XXXX charge for roughly XXXX dollars all in XXXX. More recently I have seen multiple XXXX XXXX purchases and transfers on my account all in the month of XXXX for XXXX dollars XXXX dollars XXXX dollars XXXX dollars XXXX dollars XXXX dollars XXXX dollars XXXX dollars XXXX dollars and XXXX dollars. All of these transactions were never once made on my behalf let alone my account. I did report every single one of the charges and usbankreliacard decided to close my case in only a 14 day time frame without even doing the proper investigation because if they had that done they would of clearly seen that there is absolutely no proof whatsoever that I got any items to my household let alone any proof that I ever made any of the charges on my account. They have been reported as fraudulent charges on identity thief, XXXX and now cfpb. All I want is my money back that is rightfully my money back. I never gave permission or authorized anyone to use my card anywhere in anyway and at any given time. I need my money. And I need my money back now. I was supposed to get a provisional credit within 10 business days but I never even got that. I need help. And I need help now.
Consumer complaint received 2022-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I have attempted several times with different checks of varying amounts. I attempt to cash them, and they won't becaue I have a low balance. I deposit the checks, and have been assured a few times that the funds would be available the following morning. They always end up putting a week and a half hold on my check deposits. When I have called them they tell that it's due to my low balance or account history or that they don't trust the bank it came from, and tell me there's nothing they can do about it. It seems like targeted punitive measures on low income people.
Consumer complaint received 2022-12-03
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: Harley Davidson Financial Services Inc (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-03
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: Waypoint Resource Group, LLC (CA)

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instrusctions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose. 


XX/XX/2022 - {$620.00} XXXX XXXX- {$300.00} XX/XX/2022 - {$6200.00}
Consumer complaint received 2020-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

Nationstar / DBA Mr. Cooper charged {$170.00} of exit fees above and beyond the mortgage payoff amount. Fees included : County Recording Fee {$100.00} Third Party Reconveyance Preparation Fee {$20.00} Expedited Delivery Fee {$25.00} Def Exp Quote Dlvy Fee {$25.00} I wanted to file notice of these extra fees because I have refinanced before and never been charged fees for " an official payoff statement ''. It seems unfortunate this lender would like to charge for telling someone how much is owed.
Consumer complaint received 2022-09-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On about XX/XX/21 I initiated a consumer credit transaction with my social security number, also referenced by congress as a credit card, pursuant to 15 USC 1602 ( l ). The term credit card means any card, plate, coupon book, or whatever credit device existing for the purpose of obtaining money, property, labor, or services on credit. The purpose of this consumer credit transaction was to obtain an automobile, I was denied access to my open ended credit. As a consumer, natural person, and original creditor, I have an open ended credit plan, it is unlawful to deny me my own credit I am requesting that your department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes your organization civilly liable for non compliance pursuant to 15 USC 1681o , 15 USC 1640,15 USC 1691e . Further more pursuant to 15 USC 1691 ( a ) - Activities constituting discrimination, do so state " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ''. A denial of my open ended consumer credit constitutes to discrimination. Pursuant 12 USC Powers and Duties of Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person, and original anything.
Consumer complaint received 2024-09-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Maximus Federal Services, Inc. (MS)

Back in 2010 when I graduated, my loans were up to {$90000.00}. I called XXXX XXXX about combining these loans due to me having to pay so many loans to different companies. They combined the loans, but after me paying for a few years they transferred my loans to XXXX  and it didnt look like I had paid anything on the loans. I had to go into deferment due to the amount of the loan being so high that I got behind. At this time I would pay after the deferment ended. And later my loan was brought out by XXXX.
Consumer complaint received 2020-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-09-26
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. (CA)

XX/XX/2022 XXXX XXXX Solutions sent me a letter in themail as a 3rd party debt collector demanding that I pay a debt owed to them. The original creditor was XXXX XXXX. I never gave XXXX XXXX permission to give my information to them which is a violation of my privacy on XXXX XXXX end. 

XXXX XXXX XXXX violated three ( 3 ) of my consumer rights. 
XXXX XXXX  - XXXX any unfair means to collect alleged debt False or Misleading Communications XXXX false, deceptive, or misleading representation or means in collection with debt Contacting 3rd Parties 1692b ( 2 ) - stated that the consumer owes any debt
Consumer complaint received 2020-11-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA Bank without our authorization changed our beneficiary on both our savings and checking accounts. 

On XX/XX/XXXX, we added our son, XXXX XXXX, as beneficiary to both of these accounts. USAA has confirmed they have this information. On XX/XX/XXXX, I was doing a review of our account information and noticed someone as a beneficiary that was not authorized by us. I called USAA and inquired as to why/how they illegally without our authorization changed the beneficiary on both of these accounts to someone who was not authorized. No one could explain how it was changed. It took over an hour on the phone to change the beneficiary back to the way it was supposed to be. I was told a supervisor would contact me to explain how/why this happened. 

I spoke to XXXX XXXX on XX/XX/XXXX. He indicated he was a supervisor. A case # was assigned XXXX. He said he had no idea how it was changed and said he would investigate the matter and call us back. He never called. 

On XX/XX/XXXX, I wrote the CEO, XXXX XXXX, of USAA explaining the situation and asking how someone could illegally change our beneficiary on both our checking and savings account without our authorization. I also cc 'd : XXXX XXXX, President USAA Federal Savings. Someone called from the CEO 's office and said we would be contacted. 

On XX/XX/XXXX, we received an e-mail from XXXX XXXX, Advocacy Advisor from USAA. Indicating she would contact us within two days to discuss. She never called or contacted us. 

On XX/XX/XXXX, I again wrote the CEO of USAA stating that no one had contacted us. On XX/XX/XXXX, at XXXX XXXX. someone called from USAA and left a garbled message inquiring that we call them back. I believe the name she left was XXXX ( but I am not sure ). She did indicate she was calling from the CEO 's office. The phone number she left was XXXX Ext. XXXX. I called back and left three messages. She never called me back. As of this date no one has contacted us to explain to us how this transpired. 

I want to know how a financial institution was able to illegally and without our authorization change our beneficiary for both our checking and savings account. Although, I was eventually able to change the information back to our son. I am concerned as to why this happened and even more concerned as to .... will happen again.
Consumer complaint received 2023-03-21
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. (AL)

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. 


Bank XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDUXXXX XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDUXXXX XXXX DEPT OF EDUXXXX XXXX DEPT OF EDUXXXX XXXX XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDUXXXX XXXX DEPT OF EDUXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 believe that the information is inaccurate.