davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-09
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (UT)

I received a gift card for {$500.00}, for a baby gift. I tried multiple times to use the card with no success. I then tried multiple times to use the card after calling the XXXX XXXX XXXX  customer service number on the back, to get the card activated. After multiple activations over the course of several months, the card still does not work. 

Customer Service asked that I send personal identifying information, to confirm my identity, XXXX  times. Customer Service provided a fax number and mailing address. I sent XXXX faxes and XXXX letters with the requested details, following up each time as instructed and confirming both the fax and mailing addresses. Customer service said I needed to increase the size of my submissions by 200 %, mind you, a driver 's license was submitted in the EXACT same size it is issued, which is meant to be legible, and accepted ANYWHERE in the United States. XXXX does not ask me to increase the size by 200 %, neither does any other public or private agency in the XXXX That said, I obliged and increased the size accordingly, to which Customer Service indicated they never received. Again, I confirmed I had the correct fax and/or mailing address. 

Most recently, I was told to resubmit my info for the fifth time, to the same fax and mailing addresses ; further, that there was no other way to resolve if I can not read the expiry and CVV. I've had this gift card for so many years that both the expiry and CVV are worn off making it impossible to read and/or register my card on their site.
Consumer complaint received 2021-10-19
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: Phoenix Financial Services LLC (IN)

As the debtor, I am asserting my rights pursuant to 16 CFR 433.2, and it has come to my attention that there has been unauthorized administration of the XXXX XXXX for alleged account # XXXX. PHOENIX FINANCIAL SERVICE Third Party Debt Collector has abandoned claims alleging that they have authority of this Executor Office to administrate for the XXXX XXXX. I believe this to be being done fraudulently. I have received no written evidences of such delegated authority to represent that the office of the registered agent and PHOENIX FINANCIAL SERVICE is authorized to administrate ( acting trustee ) on the XXXX XXXX ; together with a certified copy of signatures contract between the office of the registered agent and XXXX XXXX, the registered agent and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing consumer name private information to other members, resulting in aggravated identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for proper jurisdiction. Consumer pursuant to 15 usc 1692a ( 3 ), I am disputing this debt and ALL claims in accordance of 16 CFR 433.2, 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC articles that should apply.
Consumer complaint received 2021-05-19
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: Santander Consumer USA Holdings Inc. (GA)

I Financed a vehicle through Santander Consumer usa. the Loan was completely paid off in XX/XX/XXXX and account was closed..XXXX is reporting that the account was discharged in Bankruptcy. I did not file Bankruptcy and there is no Bankuptcy on my public record. This is the incorrect information that Experian is reporting. I spoke to Santander and they told me that they are not reporting that status to Experian. 
SANTANDER CONSUMER USA Account Name XXXX Account Number Auto Loan Account Type Individual Responsibility XX/XX/XXXX Date Opened Discharged through Bankruptcy Chapter XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$27000.00} Original Balance {$0.00} Highest Balance 84 Months Terms - Balance Updated - - Recent Payment Amount PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX OK XXXX OK XXXX XXXX XXXX XXXX XXXX Reinvestigation Info This item was updated from our processing of your dispute in XX/XX/XXXX.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been working on my TRANSUNION credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Address is XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, GA XXXX and the CORRECT Address is XXXX XXXX XXXX, XXXX XXXX GA XXXX. I am also showing an incorrect EMPLOYER of XXXX XXXX  XXXX XXXX that needs to be deleted. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2021-08-25
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: BSI Financial Holdings, Inc. (NJ)

I am writing in regards to the mishandling of our mortgage loan with BSI Financial that has caused significant additional charges to our loan. We were previously approved for a forbearance plan that was completed XX/XX/2020 and still has not been finished. BSI has overcharged interest to our loan due to the fact the modification has taken so long. I am requesting a full review/audit of our loan and how it was handled due to the pandemic. 

Please see attached letter of explanation with details of dates, amounts and actions taken to try to resolve the issue.
Consumer complaint received 2020-08-29
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. (MI)

I had an account with the XXXX XXXX XXXX ( Total Card services ) that was sold to a creditor XXXX XXXX XXXX for delinquency. On XX/XX/2020 I paid the debt in full to XXXX XXXX XXXX with the guarantee in writing from them that on XX/XX/2020 the account would be deleted from all three of my credit reports. This account has not been deleted and is still showing delinquent on my credit report. I filed a complaint with the XXXX XXXX XXXX in which XXXX XXXX   stated that they requested that this account be deleted from my credit report. This account has not been deleted and is damaging my credit. I submitted multiple disputed to all three bureaus and every time they reply back after an investigation saying that the debt/account will remain even after I provide then with the documents from the company stating that the debt is paid and it should be removed, along with the complaint letter from the XXXX XXXX XXXX
Consumer complaint received 2023-02-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I AM FILING THIS COMPLAINT ON MY OWN BEHALF, THIS IS NOT A THIRD PARTY Capital One bank decided to stop making their " 360 Savings Account '' as well as a money market account and instead opened up their " Performance Savings Account '', in the process all the customers with the 360 account had their interest rate set to match the children 's savings account rate of 0.30 % APY while new customers were given the rate of 3.30 % APY on the Performance accounts. They did not reach out to their longstanding existing customers to let them know of this change. So basically their prior basic account was downgraded and they are getting away with paying customers 11 times less interest for the same basic account that is now under a different name. The only difference between the old 360 account and the new Performance account is the interest rate. After speaking with a manager on XX/XX/23 ( after I noticed the massive discrepancy in interest rates ) I was told there is absolutely nothing they can do about back interest owed by them or about changing the interest rate of their own accounts ( that they have been steadily decreasing the interest rate on for years, even with loan interest rates at an all time high ). My only option is to open a new account, change all my direct deposit and payment information around, and write a letter to the office of the president ( that will most likely go in the trash upon receipt ).
Consumer complaint received 2021-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have a return payment in an account that was never late. The only return payment was XXXX and I made the payment right way. I tried explain than that its not fair they close an account after almost 2 years whitout any fee specially now in the middle of a pandemic. They close the account today right away and after 5 days of the return. They never provide any information about it and this is going to destroy my credit. Also I have another account that they close too. Its 2 differnts accont and they are using this against all my accounts. Its insane they close both account same day without any late payments
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Immediate Deletion XXXX XXXX XXXX Account/ Violation of Privacy Dear Sir/Madam , I am writing to formally request the immediate deletion of my account with XXXX XXXX Acceptance and to report a violation of my privacy rights by TransUnion. I did not provide oral or written consent for TransUnion to share my personal information with third-party companies, specifically XXXX XXXX XXXX XXXX XXXX 

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, section 602 ( a ), it is imperative that consumer reporting agencies operate with fairness, impartiality, and respect for the consumer 's right to privacy. As a consumer, I have the right to ensure that my private information is not shared without my consent. The FCRA emphasizes the need for accuracy and fairness in how my personal information is handled by Credit Reporting Agencies ( CRAs ).

Furthermore, 15 USC 6801 establishes that financial institutions have an ongoing obligation to respect the privacy of their customers and to protect the security and confidentiality of nonpublic personal information. The actions of TransUnion in this case indicate a clear mishandling of my personal information, which is alarming and unacceptable. 

I urge the CFPB to hold TransUnion accountable for these violations of the FCRA and to ensure that my rights as a consumer are upheld. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your assistance.
Consumer complaint received 2021-05-19
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: Experian Information Solutions Inc. (NY)

XXXX transferred account to XXXX XXXX. XXXX is reporting account is closed. I did no close this account. I should no be penalized with the lost of 79 points on my credit profile XXXX, XXXX  and Experian. This transfer has left a negative status on my credit profile and is hurting my future credit opportunities and has kept my score in the negative.
Consumer complaint received 2021-05-19
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. (NY)

XXXX transferred account to XXXX XXXX. XXXX is reporting account is closed. I did no close this account. I should no be penalized with the lost of 79 points on my credit profile Transunion, XXXX  and XXXX. This transfer has left a negative status on my credit profile and is hurting my future credit opportunities and has kept my score in the negative.
Consumer complaint received 2021-05-19
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: TD BANK US HOLDING COMPANY (GA)

I received a alert on yesterday XXXX from XXXX XXXX that a hard inquiry had been placed on my report. Mind you I went no where and signed nothing to have my credit pulled on yesterday. This is fraud and I want it removed from all major credit reports XXXX, XXXX, and XXXX should not show anything being posted to my credit report for XX/XX/2021. I want to file charges on whomever was allowed to do use my credit as it took me a long time to rebuild my credit and I will not allowing anyone to get away with this. This is a serious matter and I want it to be taken as a serious matter or I will contact a lawyer and sue. I am really XXXX about this the fact that someone can use your credit without your permission or consent is totally unacceptable. This is not a game this is my credit that I take seriously since it has taken me almost Five years to rebuild and for someone to be playing these types of games I want to prosecute them to the fullest extent of the law. I don't want any excuses only answer and ASAP.
Consumer complaint received 2021-02-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc. (FL)

On XX/XX/2021 - Revolut US restricted access to my account and is not allowing me to withdraw the {$5600.00} I have within the account. I contacted them via in-app chat and received no response. I had to XXXX them on XXXX to receive a response. I was told via a XXXX direct message that I would receive a response in the app chat from the Revolut team shortly. 

I was told that they were still in the process of checking things on my account and that they could not give me a time estimate on when my account will be re-activated. 

On XX/XX/2021 - I contacted them again regarding this issue and received the same response. 

On XX/XX/2021 - I contacted them again and received no response. 

On XX/XX/2021 - I contacted them again and received no response. 

On XX/XX/2021 - I contacted them again and received no response. 

On XX/XX/2021 - I contacted them again and received no response.
Consumer complaint received 2021-02-25
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: Experian Information Solutions Inc. (DE)

I have several hard credit inquiries on my recently observed Experian credit report that were fraudulent. I have repeatedly written to Experian & XXXX asking to remove these from my credit report. Neither have been helpful and neither have contacted me nor removed the fraudulent inquiries. You see, I'am a victim of Identity theft and have an ongoing investigation with the FTC. The inquiries I want OFF my credit reports are from XXXX dated - XX/XX/XXXX & XX/XX/XXXX XXXX dated- XX/XX/XXXX XXXX XXXX XXXX XXXX dated - XX/XX/XXXX XXXX XXXX  dated - XX/XX/XXXX XXXX XXXX XXXX XXXX dated XXXX XXXX XXXX dated XXXX XX/XX/XXXX XXXX  dated - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX dated - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX dated XXXX XX/XX/XXXX
Consumer complaint received 2021-05-19
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: Fidelity National Information Services, Inc. (FNIS) (VA)

on XX/XX/XXXX I sent a dispute letter to chexsystems advising them that they were in violation of the FCRA and FDPCA. they responded back to me that the information was verified and accurate which impossible, I then wrote ( dispute letter XXXX back to them again XX/XX/XXXX stating the same fact and they still replied with the above response. 
Fact, Fair Credit Reporting Act is federal law that regulates the collection of consumers ' credit information and access to their credit reports. It was passed in XXXX to address the fairness, accuracy, and privacy of the personal information contained in the files of the credit reporting agencies. 
Fact, proof as seen in attachment labeled EXHIBIT A. That ChexSystems is in violation of 15 USC 1681b ( a ) ( 2 ). Permissible purpose. I never provided ChexSystems with written consent to report anything on my consumer report/file. When there is no consent that is identity theft. 
Fact, proof per attachment labeled Exhibit A, that ChexSystems is in violation of 15 usc 1681a ( 2 ) ( i ), as myself the original creditor defined by congress only, I can validate a debt and I do not validate this debt.

Fact, proof in attachment labeled Exhibit A, that ChexSystems is in violation of 15 usc 1681a ( 2 ) ( b ) which the law states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. ChexSystems stated they verified this item, but that makes no sense as I am the original creditor in which I am unable to extend credit to myself.

Fact, the FCRA states that civil liability for willful noncompliance, per 15 usc 1681n ( a ) ( 2 ) ( i ). Well XXXX  violated the federally protected consumer rights. That is the amount of {$3000.00} that I am due
Consumer complaint received 2021-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX  and TransUnion are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to XXXX  and TransUnion sinceXX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2021-02-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BMO Bank, N.A. (IL)

Complaint against BMO Harris Bank I have a property Florida has gone through foreclosure. During the first foreclosure I paid the reinstatement fee of what they requested in the time they requested. This was in XXXX of XXXX. It was right about {$24000.00}. This also had about {$5000.00} legal fee. We were supposed to get a reinspection in XXXX. We ordered that from the bank. Then they sent out the wrong insurance company. Then they had to send out another insurance company in XX/XX/XXXX. We then had to hire an engineer and that cost {$3000.00}. I had to pay for that out of my pocket. This was because a tree fell on the house. The bank still has part of the money from the insurance. They won't pay that out now. I missed a few payments on the house and I found out they were doing a foreclosure again. I called them to see how much I needed to pay to get it out of foreclosure. They came out in XX/XX/XXXX and tried to changed the change the locks but my neighbor stopped them because the house was occupied. I contacted them and told them I would pay the back payments to get the home out of foreclose. They tried to charge me another {$5000.00} fee against. I told them I didn't thing that was fair since I paid the fees last time. They then said I didn't pay the taxes but I did. I agreed to pay the back payments I owed. They said they had the right to charge the legal fees. I asked them how could they do that since I could not live in the house since I was getting it fixed due to the tree damage and they are still holding the insurance money. Then they said there was something wrong with the title and that would be another {$2000.00}. I have had this house since XXXX and there has never been a problem with the title. I am the contractor right now and I am paying other contractors to help me to fix the house from the tree falling on it. So all my tools and everything are in the house. They came back in XX/XX/XXXX and broke into the house and changed all the locks. They were not supposed to do that and I advised their attorney that they was wrong. Their attorney said he would check with the bank to see why that happened. The address of the house is XXXX XXXX XXXX XXXX XXXX, FL XXXX. 


this complaint was filed and closed but the bank agreed to resovle and remove service fees and legal fees but to date they have not made the adjustments to the acount. i have made calls and left voicemails and no response.
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ability Recovery Services, LLC (NY)

I spoke with collection agency on XX/XX/XXXX regarding an account thats no longer in collection, due to bankruptcy discharge. I was told the account would be removed from XXXX, however it wasnt removed.