davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

My wife used her 0 % apr and interest card to pay my {$3300.00} I owed on my Capitol One card in XXXX. Capitalone cashed the check on XX/XX/XXXX. However, they didn't take it off my card. I paid on my card until XX/XX/XXXX and they still had it pn my credit which was killing my utilization of credit so my credit score kept going down. I called and spoke with them about it and they told me they didn't get the check. My wife 's bank immediately faxed and mailed them and us a copy of the check front and back. Capital one would not freeze my account until they found the check they said. Once we and the bank sent all the proper paperwork via fax and through mail they still kept saying they didn't get it. I called them 4 times the bank sent the info so did we and they still as of XX/XX/XXXX didn't get any of this paperwork. They kept this on my credit score and it still is on my credit today even after a 3 way call between the bank that took the balance transfer over, capital one supervisor, and my wife and me. Yesterday was now the 4th separate time us and the bank have sent them the check and papers needed. They still are saying they didn't get it through mail or fax. 
To make things worse on XX/XX/XXXX they credited my account the amount of the check and my account was in the negative. So I started using it a little just to keep it around 10 % utilization. My credit got back up to XXXX then on XX/XX/XXXX they the XXXX back on my credit balance as being sue. That pushed my credit usage almost {$1000.00} over my {$3500.00} limit. So I called them again they said it's because they never got the copy of the check. So now my credit card is around {$4300.00} and my minimum payment is {$410.00} a month. Which I told them I'm not paying a dime on any of it because they are incompetent. My credit score is now at or below 500. They sabotaged my credit and my life because I needed that card to pay a lawyer for his services now I can't. They have done or reputable damages to my credit charged me thousands of dollars in interest and fines and someone needs to do something about this. They have damaged my reputation with my lawyer and others and have made me spend countless hours trying to get all the paperwork together and trying to talk to them on the phone. I can't get that lost time with my kids back. What can y'all do for me because the Attorney General is next and a lawsuit if I don't sue them anyway. Any paperwork y'all need showing proof and the other bank can vouch and give you there receipts when they faxed it. Thank you for your help and please if anyone is reading this never get involved with Capitol One. I have been a customer for almost 5 years and never missed a single payment now look how they ruining my life and credit!!!
Consumer complaint received 2022-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (NJ)

US Bank charged me a paper statement fee and a dormant account fee without notifying me that my account was dormant. When I called they simply lied to me stating that they had sent me a letter notifying that my account was going to go into dormant status. When I asked if they can provide me a copy of this imaginary letter, they hung up on me. The person I spoke to was XXXX ( ID XXXX ). 
They charged me a dormant account fee of {$5.00} and also charged me a {$2.00} paper statement fee which they had never disclosed before. 

This is one of the worst banks that I have ever dealt with.
Consumer complaint received 2022-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (FL)

I know credit is my right and I also know that reporting to consumer reporting agencies are voluntary. I did not consent to it, this was involuntary. I did not consent to that report, this is a private transaction. 
I received an adverse letter from the application # XXXX, Citi XXXX # XXXX. The denial that I received from Citi was unfavorable to me and that is why this is adverse, but nothing under the definition that XXXX has provided for adverse action, 15 USC 1681 ( k ), gives you the right to deny me credit, which is defined by 15 USC 1602 ( f ), my right as a consumer. I credited this transaction as a creditor, as defined under 15 USC 1602 ( g ), from my credit card, 15 USC 1602 ( l ). And in turn created a creditor. As a person, as defined under 15 USC 1602 ( e ), Citi is an organization, an organization is not a living natural person. Further Citi has violated 15 USC 1602 ( p ), unauthorized use of a credit card. Citi did not have actual, implied or apparent authority to use my credit card from which the cardholder, myself, received no benefit. 

I tried to resolve this matter with Citi, and they denied. I have attached their response to this complaint. 

I am willing to let all of this go if Citi does the right thing and reverses this decision.
Consumer complaint received 2022-09-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (GA)

Chime, the XXXX bank closed my account without notifying me. Although most banks will send you mail or email notifying you that they closed the account. After speaking with them because i do think it is a mistake After speaking with them for hours talking to different people Nobody could tell me why or how my account got closed. I do not engage in any illegal activities so I know nothing fraudulent was done. However chime is my main bank account been with them well over 2 years I pay all my bills through my chime so it has been a huge inconvenience because I was logging in to actually pay some bills then seen the account was closed so now those bills are behind and has hit my credit already and will Be behind even more waiting on the check I am in the process of getting a new bank account with someone else so I can get my check direct deposited into that account but I wont get paid till next Friday so now I am broke & struggling with bills right now because of my own banking company
Consumer complaint received 2022-09-15
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: Experian Information Solutions Inc. (CA)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXXXXXX Balance : {$21000.00} ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Im contacted XXXX  XXXX XXXX XXXX. In regards to the report on my credit report, 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt, this company has contacted me several times via phone & mail another violation of my rights, this company has violated my rights, I do not owe this creditor listed any money,
Consumer complaint received 2022-09-15
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADECOMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here are the list of items which do not belong to me or were opened without my permission. XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX Balance Owed : $ XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : $ XXXXXXXX XXXX XXXX XXXX XXXX According to FCRA Section605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4business days after the date of receipt.
Consumer complaint received 2022-09-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY (CO)

On XX/XX/XXXX, I received a notice stating that my escrow account was charged {$2200.00} for hazard insurance. I did not authorize this and was unaware of any lapse in my homeowners insurance. I immediately phoned both my mortgage company, and then my insurance company to reinstate my insurance coverage. I was assured that I would be reimbursed any funds outside of the lapse from XX/XX/XXXX through XX/XX/XXXX. Since then, I have been back-and-forth through a secure messaging portal, email, usps and phone countless times resubmitting all proof of insurance. My mortgage company is simply exhausting me to no end, and taking no action. I finally received word on XX/XX/XXXX, that they have reimbursed the full amount to my escrow account on XX/XX/XXXX. However I see no evidence of this in my recent activity. Their recent escrow assessment has not reduced my mortgage payments. You see, this force placed insurance has caused a deficit in my escrow account. This has caused my mortgage to be increased by {$250.00} since XX/XX/XXXX to cover the deficit. So essentially, I am paying for this high cost hazard insurance twice. When in fact I have my own insurance which I purchased on XX/XX/XXXX as I originally stated. Please help me resolve this matter. Thank you
Consumer complaint received 2022-09-15
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: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting Act, XXXX  XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-09-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

Met this person on XXXX. Got lured into this website site ( XXXX XXXX XXXX ) by this person from facebook ( XXXX XXXX XXXX XXXXXXXX ). I Deposited money with international money transfers apps ( XXXX XXXXXXXX XXXX, XXXX, XXXXXXXX XXXX  ) including bank wire transfer and XXXX XXXX XXXX. Once I started trading with the money I invested for commission, all of a sudden it pops up that I won a bonus award and I needed to deposit more. Even the person I was talking to on XXXX helped me deposit with her money to help me unlock this bonus award, knowing the person was part of the scam. I had to complete my task of the day in order to withdrawal the money, then another prize award pops up, saying that I hit the jackpot. I had to deposit more money to complete to bonus prize. Now when it came to when I was allowed to withdrawal the money, trying to withdrawal full huge amount ( $ XXXX ), Now they saying I need to deposit 40 % of that total amount to complete a tax procedure for both the system and the bank. I had to open a loan and ended up depositing that 40 %. They tell me I must complete the task the day so I can withdrawal, I end up winning another prize. Now they tell me I must deposit more money to complete the bonus award then I can withdrawal. The prize just gets bigger and bigger and I have to deposit more and more. Unable to withdrawal, now I am stuck here feeling that I have been scammed. I've done research scammer XXXX account, she is pretending to be someone else and steal pictures from this XXXX account XXXX XXXX XXXX XXXX Please help me, what should I do to get my funds back.
Consumer complaint received 2022-09-15
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)

XX/XX/XXXX, i called the courthouse asking do they report bankruptcies to the credit reporting agencies. " The courts responded and said they DO NOT report any bankruptcies to anybody and that i can go to they're website and print off the letter they have on the home page stating that they do not report to the agencies. '' So if that's the case how did the credit bureaus certify my bankruptcy as 100 % accurate. They never did a fair invistagtion according to the 15 U.S.C 1681. 

15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report " mean a consumer report or portion there of in which information on a consumers character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 U.S.C 1681.

According to : 15 U.S.C 1681 section 602 A. States i have the right to privacy.

According to : 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 According to : 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. 

And i also want to inform you guys that the credit agencies removed one of the bankruptcies the one from XXXX when i originally filed a dispute threw them and then put it back on my report which i will provide proof in the following documents which is also a violation and also put a change on my report as making it seem i just filed a new bankruptcy with a new case number.
Consumer complaint received 2022-09-15
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. (CA)

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX : Account number XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A : States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. My credit report is attached to reference this account
Consumer complaint received 2022-10-15
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. (SC)

I am submitting yet another CFPB Complaint to request to the Credit Reporting Agencies to re-investigate the disputed accounts that are reporting erroneous information on my Credit File. While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. I also took notes of the following : 1 ) one of the disputed accounts reporting as late is inaccurate. I was never late and I never missed a payment ; 2 ) I need the Credit Bureaus to send me copies of proof of ownership of the disputed accounts ; and 3 ) there are accounts reporting on Experian that was already removed from XXXX and XXXX. Under the Fair Credit Reporting Act, Credit Reporting must be accurate. I need the disputed accounts verified and be immediately corrected and or deleted from my Credit File. Here is the list of the accounts that should be investigated : XXXX XXXX XXXXXXXX XXXX Balance Owed : {$930.00} XXXX XXXX XXXX XXXX Balance Owed : {$800.00} XXXX XXXX  XXXX Balance Owed : {$3600.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX has done everything since suing me and having to withdraw it. I have no taxable income so they couldn't get any money out of me after I lost everything going into forced retirement. This is yet another violation. These two XXXX XXXX cards, one with a balance of {$8300.00} and another card with a balance of {$3400.00} are both charged off accounts. This is inaccurate reporting. Secondly, both are reporting as " open '' on my XXXX report and on my Myfico report. Both are violations of my rights.
Consumer complaint received 2022-09-15
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. (MO)

This is my 7th CFPB complaint submitted to request that the Credit Reporting Agencies update and correct the disputed erroneous accounts and information being reported on my Credit File. The disputed erroneous accounts reports either of the following : 1 ) accounts reporting as late even though I have never missed a single payment, I need the Credit Bureaus to update the payment history of the accounts reporting as late ; 2 ) there are closed accounts reporting as late! How can you accrue late payments on an account that has already been closed? Its either the Credit Bureaus update the disputed accounts to positive or completely remove these accounts ; 3 ) there are charge off accounts that are still indicating balance or has been reported but is already out of statute. Charge off accounts should report 0 balance, I am requesting that the Credit Bureaus remove these erroneous charge off accounts ; and 4 ) there are accounts that has already been deleted or removed from the other bureaus but are still reported from the other Bureaus. If the Credit Reporting agencies verified the disputed accounts with the Data Furnisher, how come that some accounts are removed from the other and are still reported on some Bureaus? Under the Fair Credit Reporting Act, I am requesting the Credit Bureaus to either correct the disputed account and or remove the accounts completely from my Credit Report. Once again, please investigate the following accounts : XXXX XXXX Balance : {$0.00} XXXX XXXXF XXXX XXXX Balance : {$6700.00} XXXX XXXX  XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-10-14
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. (NC)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 's 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (TX)

My loan was recently transferred to Truist and I have not received a welcome letter with my account number and payment info so I can make a payment. I tried reaching out via social media and was told I had to call in for assistance. I spent over XXXX HOURS on hold before giving up. I was not given an option for a call back either. Im simply trying to pay my mortgage.