davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I closed my Capital One Secured Credit Card # XXXX XXXX XXXX XXXX on XX/XX/2022. I paid off the balance due on the card and transferred all automatic charges to another card. On XX/XX/2022, I verified the card was closed. I then called customer service to determine how to obtain the refund of {$840.00} deposit I had paid to obtain the secured credit card. I was informed the deposit would automatically be refunded to me after two billing cycles which translated to two months. When I asked why they held the deposit for two months, they responded it was their policy. No other reason was provided. 

Since the account was paid in full and no additional charges can be made to the account, there is no reason for Capital One to retain the deposit for two months. Since the obligation the deposit guaranteed was satisfied and the deposit is in essence and demand bank account, the deposit should be refunded immediately when the account is paid in full and closed. 

Capital One is able to process charges, payments and deposit in a matter of days, so they are capable of processing a deposit refund in the same time frame. Holding the deposit for longer is an unfair and abusive practice that should be terminated.
Consumer complaint received 2022-12-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synovus Bank (FL)

On XX/XX/2022, I sent out correspondence to First Progress Bank in reference to an account being reported on my Consumer Credit Report and an alleged debt. I requested that the account be verified and full debt validation be completed in compliance with F.D.C.P.A section 809 ( a ) 15 USC 1692g ( b ). Including a official Accounting from the bank and documentation of a contract bearing all party 's signatures. Furthermore, First Progress Bank failed to report that the account is in dispute to the Consumer Reporting Agencies as requested by me in my correspondence. a 2nd notice was sent out to First Progress Bank requesting for this information again as the response received violates me and the law.
Consumer complaint received 2023-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CA)

Re : Bank of the West not BMO. 
On XX/XX/2023 I made XXXX deposits of {$5000.00} each into XXXX XXXX XXXX XXXX XXXX checking account ( Account # XXXX ). The deposits were in XXXX currency which were XXXX checks. On XX/XX/2023 I got a credit of {$3600.00} which was for one of the check. I went to the bank and inquired why I got only one credit. There should have been two credits. The teller, XXXX told me she will look into it and asked me to check in again in few days. I checked in in about a week and I was told that there was a problem with mail and she will inquire with the copies she has in her office. I kept checking and there has been no satisfactory answer. Three month ago she asked me to check with the payee if the check had cleared his bank. Which I did and asked the payee to send me copy of cleared check which I provided to Mercy at the bank. She told me that she will start an investigation and get back to me. I kept asking her on weekly basis but she kept telling me there has been no result. Yesterday on XX/XX/2023 she called me and said that she got information from the investigation office of the bank and the case is being closed because it is too old without any result. She didn't say anything about crediting the account.
Consumer complaint received 2022-06-09
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 — Investigation took more than 30 days
Company: Spring Oaks Capital, LLC (CT)

In early XXXX I received a letter in the mail telling me I had a delinquent account with XXXX XXXX that was transferred or bought out by Spring Oaks Capital and I had 20 days or so to write a letter to dispute it or it would become valid. I checked my credit score/report on XXXX and I saw I had a derogatory account that I had no knowledge of from XXXX. I saw that the account was opened on XXXX XXXX and it was charged off and then closed in XXXX of XXXX. I disputed that account on XXXX and they came back and said the creditor stated the facts were accurate and so it remained on my credit report. I wrote a dispute letter before the deadline and sent it out on XX/XX/2022. This letter informed Spring Oaks that I disputed the entire debt and requested they provide me with the contract/agreement I signed. I heard nothing from them and on XX/XX/2022, I called them directly and they opened a dispute. I was told that I would have a resolution within 30 days. I also opened another dispute on XXXX and received the same response as before that the creditor said the facts were accurate. I called Spring OakXXXX again about three weeks later and was told by Spring oaks that the dispute is still open and that although an investigation was ongoing there was no activity on that. They informed that I had to wait for the 30 day period to pass. On XX/XX/2022 I called Spring Oaks again and was told that the dispute was still open and that unfortunately I just had to wait until the investigation is completed and no time frame was given for that even though at this point it has been past 30 days. I advised them that I was now aware they only have 30 days to investigate and respond and I requested they respond to me in 24 hours and was told that likely wont happen. It will have been 60 days from my original phone call to Spring Oaks and has been XXXX days since my original letter was sent to Spring Oaks. My credit continues to be negatively impacted from this and is preventing me from having a better score. I want it removed from my credit report immediately as is required by law.
Consumer complaint received 2022-09-13
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. (NY)

Hello, I don't know who is reading this I would like to make you aware that your company is in complete violation of the FAIR CREDIT REPORTING ACT. These Federal laws were created so that there is a guide to abide by. I am disappointed that your company is not following proper protocol when it applied to The AUTO-MATED REINVESTIGATION SYSTEM. 15 USC 1681i ( a ) ( 5 ) ( D ) Automated reinvestigation system. Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of an investigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. Why is it that There is another Credit Reporting agency that has removed an inaccurate item from my consumer report, but you are not upholding the same accuracy? This item has been investigated and the results have been shared with you, please remove these items immediately. Your Willful Compliance is a violation and is subject to a {$1000.00} payout for your negligence.
Consumer complaint received 2022-09-30
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. (MN)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared bylaw and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXXXXXX XXXX Balance Owed : {$1200.00} ; XXXX  XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXXXXXX Balance Owed : {$3000.00} ; XXXX XXXXXXXXBalance Owed XXXX {$7200.00} ; XXXX  XXXX Balance Owed : {$1700.00} ; XXXX Balance Owed : {$3400.00}.
Consumer complaint received 2022-12-01
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 am submitting this CFPB complaint to you today to request to you to correct my XXXX XXXX from erroneous reporting. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts : XXXX  XXXX XXXX Balance Owed : {$490.00} XXXX  XXXX Balance Owed : {$130.00}
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have contacted the XXXX credit bureaus XXXX XXXX about them incorrectly reporting my student loans as in repayment. I do not owe on my student loans as of yet so it should not be showing balances like they are up for payment which is lowering my XXXX XXXX. Additionally my XXXX charged off collection accounts are showing as open with a balance because I DISPUTED them and now they are showing with current balances as of XX/XX/2022 when these accounts are XXXX XXXX XXXX.
Consumer complaint received 2022-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLIANT CREDIT UNION (TX)

I met XXXX XXXX on linked in and we became close friends he helped me get off XXXX we tried to create an orphanage that failed due to XXXX credit and their sabotage of multiple transactions xenophobic handling apocryphal fees and mishandling of transfers and we suspect hate crime i later became a security guard at XXXX XXXX to have my phone and record searched and sorted and verified no fraud on my end nor XXXX XXXX then XXXX XXXX  also dropped our business then investigated us and determined no fraud no crime nor scam this then leads us to suspect fraud against foreign banks seniors and mentally ill like me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they lost thousands bait switched fees then charged me for a fraudulent check and say I owe them yet can't produce an image of the check and I would like them thoroughly investigated and will pay what I owe again due to my experience i do not trust them and feel the need for your assistance XXXX We need to access the files we are precluded from online banking yet they send us impossible links as a senior and mentally ill person this is hateful cruelty the representative XXXX XXXX only partially Sent incompetent data and attempted to bully me without acknowledge the theft on their part and bait switch practices please note I will pay what I owe but based on my experience with XXXX XXXX  XXXX XXXX XXXX  and XXXX XXXX I simply can not rely on the verification of Alliant Credit Union at all and would like them investigated please and thank you
Consumer complaint received 2022-06-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (GA)

I have reached out to the company in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and, XX/XX/XXXX requesting my loan documents as well as a ledger or my statements. I have called as well as sent a request via email on their contact page. I was informed that they would reach out to a supervisor for final approval to have these items sent to me via mail on multiple occasions. I have still not received any of the requested items or a callback. One representative of their company advised I can review my statements by logging into their app and transferring to paper statements. I made the update and I see the statements on the app from XX/XX/XXXX but when I click, I am constantly receiving the error code on my past statements from XX/XX/XXXX to XX/XX/XXXX " Invalid Request- Retrieve Individual statements failed- Please give correct details ''. I can view the statements from XX/XX/XXXX to current, but it does not allow me to print the full statements. It will only print a blank page and I have tried it on numerous occasions. My monthly payment is {$460.00}. As each month goes by my balance is not adding correctly. I originally paid XXXX for my vehicle as of today I have paid over XXXX, and I still have a balance of XXXX on my loan. I am utterly confused and would like the ledger of all my payments, the original loan documents, and all my statements sent to me to investigate this further or clear my debit at this time. I do not understand how I have a vehicle loan for 60 months and my maturity date is an additional 23 months added to this loan. That gives me an XXXX term and I only had 4 of my payments added to the end of the loan and roughly 8 late payments. I am seeking answers and unfortunately, the company refuses to give them to me at this time.
Consumer complaint received 2022-06-09
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. (MI)

In Accordance with Fair Credit Reporting Act XXXX XXXX Account XXXX, XXXX XXXX XXXX, 15 USC 1681 section 602 ( A ) states I have the right to privacy 15 USC 1681 section 604 ( A ) section 2 states a consumer reporting agency can not furnish an account without my written instruction
Consumer complaint received 2023-12-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CT)

___________________________UPDATE TO CLAIM # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- NOTICE TO PRINCIPAL IS NOTICE TO AGENT, NOTICE TO AGENT IS NOTICE TO PRINCIPAL -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I HEREBY ON BEHALF OF PRINCIPAL ACCEPT ALL TITTLES, RIGHTS, EQUITY AND INTEREST -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- NOTICE IT IS FACT I AM FULLY AWARE THAT AMERICAN EXPRESS HAS OBTAINED MY ORIGINAL CREDIT CARD AND HAS OBTAINED MY CREDIT CARD APPLICATION WHICH HAS BEEN SECURITIZED AND AMERICAN EXPRESS HAS A OBLIGATION TO PERFORM UNDER THE TRUST INDENTURED ACT OF XXXX AND SECURITY EXCHANGE ACT OF XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- DESPITE UNLAWFULLY CLOSING DOWN MY ACCOUNTS OVER ALLEGED MONEY AMERICAN EXPRESS " DID NOT '' LEND TO ME AND CAUSING ME MASSIVE FINANCIAL HARM AND CHARACTER DEFAMATION, AMERICAN EXPRESS HAS DENIED ME MY RIGHT OF ARBITRATION AND HAS FAILED TO RESPOND TO MY CONDITIONAL ACCEPTENCE WHICH AMERICAN EXPRESS RECEIVED AND ACCEPTED UNDER THE POSTAL RULE BIENG NOW IN DISHONOR. NOTICE IT IS FACT IF AMERICAN EXPRESS DOES NOT REINSTATE MY ACCOUNTS AND CONTINUES TO BENEFIT FROM MY SECURITY WITHOUT GIVING ME ANY BENEFIT THAT IS AUTOMATICALLY A VIOLATION UNDER 15 USC 1644 AND SECURITIES FRAUD WHERE COURTS WILL HAVE EXCLUSIVE POWERS TO REGULATE VIOLATIONS.
Consumer complaint received 2022-06-08
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)

I have been a victim of identity theft and there are several accounts opened by the person who stole my identity. The following accounts a result of my identity being stolen. 
XXXX XXXX Opened XX/XX/XXXX {$9200.00} stolen XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1400.00} Stolen BANKRUPTCY CHAPTER XXXX Filed XX/XX/XXXX I have verified with all these companies that these accounts do not belong to me and they're going to send a letter to remove these accounts in " 4-6 week ''. It has been more than the time frame they've given to me yet these accounts are still reporting to me. The representatives at XXXX, XXXX, and TransUnion neglect deletion of these accounts even with valid documents requested by them. They even neglect deletion using the Fair Credit reporting act.
Consumer complaint received 2022-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NV)

On XXXX XXXX i was put in the hospital for broken pelvis. My son XXXX XXXX XXXX came to see me serveal times. Without me Knowledge he must hace gotten ahold of my debit card no mind u everytime i went to use it in the vending machine at the hospital the debit card was in my Wallet. I was discharged from the hospital XXXX XXXX. A week or so after mydaughter hay set up online banking for me at this time i noticed alot of money missing out of my a acount. Then i started noticed alot of transcations that i did not Make nor did i give anyone pemission to use my card. I had my card. There was 136 transcations made while i was in the hospital. I filed a dispute With Wells fargo for the 136 transcations. I made it clear to them i was in the hospital at the time of the transactions and i did not give anyone permission to use my card. And the only person Who had access to my card Would of been my son. I never gave him permission to use my card. I also made a Police report for thief against my son. Wells fargo denied my claim i dont Know why Letter was sent to my address in NC which i have no acceso to and they wont tell me on the Phone why nor Will they tell me at the branch location. This was fraud plan and simple i was laid up in the hospital the money was stolen and i want it back.
Consumer complaint received 2022-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I have a Citicard. I had a deferred interest promotion which expired on XX/XX/XXXX. Before my deferred interest promotion expired, I also obtained a flex loan from the same credit card. The deferred interest was 0 % and the flex loan at 5.99 %. 

Under 12 CFR Part 1026 ( Regulation Z ), XXXX XXXX. i. states : ( i ) Last two billing cycles. The card issuer must allocate any amount paid by the consumer in excess of the required minimum periodic payment consistent with paragraph ( a ) of this section, except that, during the two billing cycles immediately preceding expiration of the specified period, the excess amount must be allocated first to the balance subject to the deferred interest or similar program and any remaining portion allocated to any other balances consistent with paragraph ( a ) of this section I attempted to pay off my deferred interest balance in XX/XX/XXXX and again in XX/XX/XXXX, prior to the expiration date of my deferred interest balance XX/XX/XXXX. Citi allocated the minimum to my deferred interest balance 0 % and the rest to my flex loan 5.99 %. They told me that they had to make the payment to the flex loan per federal regulation that requires the extra payments go to the higher interest rate. Clearly, they are not following section b of the reg cited above. Addtionally, prior to my payment in XXXX, I reached out to Citi via the chat feature to make sure that my payment would be applied with the minimum to the flex loan ( 5.99 % ) and the extra to the deferred interest balance. The Citi chat person told me that is how it would be applied. Additionally, when making the payment online, I clicked the payment option stating " pay Adjusted New Balance plus Flex Plan Monthly Payment '' which was the exact total of my remaining deferred interest balance plus the minimum payment of the flex loan. Clearaly, any reasonable person would assume by checking this box their payment would be allocated per the stated payment option! 

The result is that I am now stuck paying the 22.49 % interest rate on the remaining deferred interest balance that I attempted to pay off twice! My interest is now higher every month. This is clearly unreasonable and it does not follow 1026.53 b.

I hope that you will look into this and rectify it. Clearly section 1026.53 b. was drafted becasue of this exact situation. A consumer should not be forced to pay interest on a deferred balance when they've attempted to pay it off more than once. 

Thank you for your time.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I am trying to purchase a home for my son and I. Needless to say, it has been a struggle financially for me to get something for us. 

Now that I finally have a steady income, I'm getting back on my feet. 

I am looking for a place for us to live and my bankruptcy keeps us from getting approved at a rate and payment I can afford. 

My son is XXXX and keeps asking me to get a place with a backyard so he can play more and get a dog. 

I'd really appreciate if this bankruptcy was removed so that I could tell him we were approved for our first place!