davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (VA)

I have set up mortgage payments so that I pay towards my monthly obligation twice a month. This is for two reasons : 1 ) it evens out my monthly expenses 2 ) early payments *should* help me pay down my mortgage faster. 

After enrolling in this program, I learned that the first payment is held in a " suspense account '' and it IS NOT applied to the mortgage at time of payment. Instead, it is held & applied at the end of the month, once the second payment is received. 

I am paying early, but I am not receiving any benefits related to that early payment ( balance reduction, which then impacts interest over the life of the loan, therefore helping me pay down faster. ). 

Truist does not have ANY other way for me to make partial payments towards my monthly obligation -- I must pay all or nothing.
Consumer complaint received 2022-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I opened XXXX checking accounts with Capital One for the purpose of helping manage my business expenses and receive some customer payments through XXXX. After roughly 2 days of receiving no more than XXXX payments through XXXX, my account was frozen, and I was prompted to call the Capital One service line. The representative was very friendly and advised me to no longer continue using XXXX as the account I opened was a personal account and not a business account. She even supplied me with resources to help me in opening a new business account. She was however able to unfreeze my account and told me I should have no other issues so long as I dont use XXXX. I needed her advice and went on my way to research a business account with capital on, and I completely suspended all customer payments through XXXX. XXXX days later My account gets frozen AGAIN, only this time the representative I got in touch with said my account was frozen for undisclosed reasons and my funds would be on hold for an indefinite period of time. Since then, I have received nothing but the run around from every Capital One employee I attempt to connect with. My funds have been on hold now for nearly 2 months and it put a serious strain on my financial situation at the time. What Capital One is doing is unacceptable.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OR)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2022-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I discovered inaccurate information on my credit report and submitted documentation such as Notice of identity theft, a letter according to the FCRA SECTION 609, preliminary lawsuit as well as a FTC report. There are items on my report that I have not authorized/ and or consented to that must be removed. Transunion responded with a letter stating they will NOT block the information because they believe it to be accurate, which it is not.
Consumer complaint received 2022-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MD)

I deposited 4 checks for {$7500.00} each from my personal XXXX XXXX account to my personal Chase account in an attempt to move all of my money over to Chase. Chase then disallowed me from using my entire account and sent me a letter threatening to close my accounts if I didn't call them to give information that they never requested. I called and customer service said they needed to call XXXX XXXX to confirm the deposits. They added XXXX to the call and confirmed that all checks cleared, but they STILL held the funds on one of the checks for no reason and refused to unlock my account. They said I had to go to the bank to close it in person. I went to the bank and they called the fraud department, who said they needed to call XXXX and confirm that my account exists. They did that, but then still refused to release the funds so that I could close it out. They finally released the funds at the last minute, but said they couldn't close it out because their system is old and the restriction would take yet ANOTHER day to release the hold so that I could close it.
Consumer complaint received 2022-12-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$11000.00}
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX and XXXX XXXX XXXX Account XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2022-09-27
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-12-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MO)

I received notice of a possible fraudulent charge to my PayPal account. I got that canceled. Then I asked the PayPal customer rep to cancel my account. He couldn't, so he referred me to a senior technician, who asked me to install " XXXX '' on my computer and give him complete control of my computer. I refused. He told me that if I did not give him complete control of my computer, he could not cancel my account and I would furthermore have to pay the {$500.00} fraudulent charge. When I still refused, he told me I was NOT President of the United States, and I therefore had to do what he told me. 

I then looked for a street address for PayPal, to which I could sent a letter documenting this. When I could not find that, I tried to find a way to send that via PayPal.com. When that failed, I decided to sent this to you. Below please find the letter I had planned to send to PayPal. Thanks. 


Please cancel my PayPal account. 

Can you please assure me that I will never again be bothered by PayPal? 

I will herewith summarize my reasoning : ( 1 ) I rarely use PayPal. 

( 2 ) I received an email from PayPal stamped XXXX XXXX XXXX XXXXXXXX saying, " There is evidence that your PayPal account has been accessed unlawfully. {$500.00} has been debited to your account ''. I ignored the link in the email. Instead I signed into my PayPal account, found the transaction, and tried to cancel it. 

( 3 ) I found the verbiage confusing, so I called XXXX at XXXXXXXX XXXX Central. I spoke with " XXXX '', who helped me cancel it. I then asked him to cancel my PayPal account, because I use it so seldom, I do not want to be bothered with this kind of thing ever again. He did not know how to do that. He then referred me to a senior technician, XXXX XXXX. XXXX XXXX then asked me to download and install " XXXX  '' on my XXXX, which I did. He then asked me to give him complete control of my computer, which I refused. He then continued by saying that if I did NOT give him complete control of my computer, he could not cancel my PayPal account. In addition, I would be charged the {$500.00}, which " XXXX '' had previously confirmed to me was cancelled, and which shows canceled, when I checked just now over 24 hours later. 

( 4 ) I found the request for complete control of my computer shocking, suggesting that XXXX XXXX was trying to defraud me. 

( 5 ) FYI, I'm a native XXXX speaker. The accents of the people with whom I spoke, " XXXX '' and " XXXX XXXX '', sounded to me like subcontinent XXXX.
Consumer complaint received 2022-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

Wells fargo bank cashed a check that was falsely endorsed by someone who isnt me. My stimulus check was sent to me, i never received it then it was cashed by someone in XX/XX/2021. The check is for {$2800.00} .Its absurd that a check would be falsely cashed and wells fargo wont catch on to it. Im beyond upset.
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2022-09-28
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: General Motors Financial Company, Inc. (CA)

GM Financial refuses to acknowledge my right of rescission. They keep calling me and my family members attempting to collect a debt that was already paid. I mailed GM Financial registered agent a notice of Rescission, special power of attorney, and irs form 56. The documents were mailed via certified mail with tracking numbers XX/XX/22. Pursuant to Truth In Lending Act 12 CFR 1026.23 ( b ) ( XXXX ) I excercised my right of rescission. 

I also mailed GM Financial and their Registered agents a ( notarized ) constructive notice agreement and affidavit of truth. I mailed those documents via overnight mail with tracking numbers. ( XX/XX/22 )
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The company XXXX been contacting me since early XXXX I was dealing identity theft since XXXX for card opening and loan was opened by someone that used my ID and name And company refused fix my issues since XXXX Only want me to pay XXXX dollars even if I didnt open account and someone else opened about. With my ID, social security, email and private information I had issues my identity for XXXX years and XXXX XXXX refuse to fix issue only seek damage to credit and money. 

I would like this account removed from credit report since it fraud opened and I was not one who opened this acct XXXX  ladies under names XXXX XXXX, XXXX and XXXX are ones responsible doxxing my info and opening my acts and using my credit cards and personal information without permission including opening cards with my ID and social They obtained my information through XXXX. 
Depsite reporting them to police and federal trades. XXXX XXXX refuses to close matter and remove acct from my credit report and damaging credit only seeking money to fix issue which is wrong. I was told police not to give further information company XXXX XXXX XXXX XXXXXXXX when I received another email of company trying communicate me for dame matter but refuse to fix issue only seek money to fix issue even if this issue was done by identity theft and fraud done by someone else with my information and name. I was told I had a card an loan open but I told them the loan was opened by XXXX XXXX who used info and company refused to close or remove acct from credit report even i told credit bureaus all calls I received after they also asked for my personal I do this horrible company.i would like to state I was sent a email that the acct was closed but they still seeking a balance even if I disputed I shouldn't be paying for fraudulent loan and card opening by someone who posed and impersonated as me using my information from XXXX.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

The company XXXX been contacting me since early XXXX I was dealing identity theft since XXXX for card opening and loan was opened by someone that used my ID and name And company refused fix my issues since XXXX Only want me to pay XXXX XXXX even if I didnt open account and someone else opened about. With my ID, social security, email and private information I had issues my identity for XXXXXXXX XXXX and XXXX XXXX refuse to fix issue only seek damage to credit and money. 

I would like this account removed from credit report since it fraud opened and I was not XXXX who opened this acct XXXX ladies under names XXXX XXXX, XXXX and XXXX are ones responsible doxxing my info and opening my acts and using my credit cards and personal information without permission including opening cards with my ID and social They obtained my information through XXXX. 
Depsite reporting them to police and federal trades. XXXX XXXX refuses to close matter and remove acct from my credit report and damaging credit only seeking money to fix issue which is wrong. I was told police not to give further information company XXXX XXXX XXXX XXXXXXXX when I received another email of company trying communicate me for dame matter but refuse to fix issue only seek money to fix issue even if this issue was done by identity theft and fraud done by someone else with my information and name. I was told I had a card an loan open but I told them the loan was opened by XXXX XXXX  who used info and company refused to close or remove acct from credit report even i told credit bureaus all calls I received after they also asked for my personal I do this horrible company.i would like to state I was sent a email that the acct was closed but they still seeking a balance even if I disputed I shouldn't be paying for fraudulent loan and card opening by someone who posed and impersonated as me using my information from XXXX.
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 — Account status incorrect
Company: BMW Financial Services NA, LLC (CA)

I'm filing this complaint against BMW Financial Services and all the credit reporting agencies because they are reporting inaccurate account status on the credit report. The account is for a XXXX BMW XXXX XXXX and I got this vehicle last year. I noticed a delinquency remark on the credit report and I contact them because my payments go through thoroughly always and I have a flawless credit report. BMW continues to report a delinquency to the credit report and the credit reporting agencies continue to be in a bias state that they do not accept dispute. I'm disputing the delinquency that was stated for earlier this year. I contacted BMW and informed them that I always make my payment on time and they need to rectify their records and report accurate information. BMW claims that they never received a payment. I have made my payment as I said always. BMW claims that I am requesting a courtesy delinquency removal and they will not do it because they are protecting their brand. I do not care about their brand, all I care about is that they report my information accurately because I have never been delinquent in any of my payments. I always make my payment on time. If their systems did not process the payments quickly its not my problem, it is their problem and they need to solve their own issues internally not make falsified claims. I am not delinquent on my payments and I'm always on time with my payments. I tried to contact BMW before making this report with the CFPB to have my issue resolved however, they continue with their claim that they are protecting a brand royalty which is still unclear thus far. Their brand royalty is not my problem but they better fix this delinquency report they falsely claimed because it affects my position as an investor and as a consumer.
Consumer complaint received 2022-12-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STANDARD MORTGAGE CORPORATION (OK)

For the last 25 years, I have Sent my Mortgage payments to you and on time, I ( Purchased my home in 1990 to date I have had several issue with the Company stated about. I sent in payments with my Payment booklet since purchase ding my home, a Few years ago this company attempted to file Foreclosure on my stating that I missed several payments, which is fabricated and not true I have never missed some mortgage payments. Thank God I had all the Receipts of such payments.

Unfortunately, Standard Mortgage company sent documents stating that I am falling short of equity and States that my payment of which has been pretty much the same for over 2 decades, will increase over {$100.00}. Two years ago my balance was a little under XXXX, and currently at approximately XXXX. Seems to me extra Fees or What not are being added to the ending balance. I am disappointed because Ive invested most of my earning to this company ; seems like they are trying to take my home back and cause an immediate hardship, of which I have Worked Hard to maintain. I finally set up automatic deductions to solve the missing payments issue. the service was not performed correctly ; I was billed once the wrong amount and Threatened about payment history with could ultimately scar my impeccable Credit worthiness. When Calling the company staff misrepresents and is very Unprofessional to say the Least. etc.

To resolve the problem, I would appreciate your if I could have a break- down of all the monies sent and a detail of my account information for the last 7 years, as it seems that since I am close to paying off my mortgagee other Monies are being tacked on to promote hardship and confusion.

Please Help.

If need be, can also send the Letter That I was Sent Recently about payments increasing. 

I look forward to your reply and a resolution to my problem and will wait until XX/XX/XXXX before seeking help from a consumer protection agency or the XXXX XXXX XXXX Please contact me at the above address or by phone at home XXXX Sincerely, XXXX XXXX
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

They reported wrongful information about dismissed bankruptcy on my credit report and I asked them where they got this wrongful information from? They said the court house provided them the information, but the court house said they never shared any information with any credit report agencies which Im uploading the letter from the court house