davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-22
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 (PA)

I recently opened a card with Capital One, the Savor One. It arrived this past weekend, XX/XX/19, at which point I activated it and began to use it. All was fine. Today, XX/XX/19, I went to use the card and it was declined. I called the company to figure out what was going on. I had last used the card on XX/XX/XXXX and it was fine. I had not been notified of an issue either. The customer service agent told me there was a restriction on my card and I would need to provide photographic evidence of 3 forms of ID : driver 's license, social security card, and a utility bill, the latter of which they would need to call and verify my account. They needed this to verify my identity and lift the restriction on my account. I immediately took issue with this because none of this was requested upfront when I signed up for the card. I wouldn't have moved forward if I knew that kind of lengthy check would be required. The biggest issue is the social security card which I don't have, and do not want to go through the rigamarole of getting a new card issued. I asked to go through another verification means ( security questions, social security number, mobile/email verification, authorize my purchases, etc. ) or provide 2 of 3 IDs requested and they refused. They refused, citing there was no way to move forward. They also would not tell me why the restriction was placed, which is absolutely absurd. The manager, who I asked to be transferred to by this point, said there was no one else who could help, and no way to access someone in the department that deals with the restrictions. She also noted because the card was restricted, I wouldn't be able to pay the existing balance online or do a balance transfer to another card so I could get out of my relationship with Capital One. I was essentially stuck until I provided the IDs to get the restriction off. I'm filing this complaint as this is absolutely ridiculous, and I hope someone will look further into this issue so this does not happen to other customers. I understand verification needs, but I expect to be notified of an account restriction and I want to know why and what kind of account restriction I'm dealing with. Further, if I note the ways I can't comply with said verification they should find an alternative or tell customers upfront what will be expected. Lastly, there is no reason I should not be allowed to make payments online or transfer the standing balance to another account if I just want to end the relationship.
Consumer complaint received 2019-10-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Richland Bureau of Credits Medical Service Bureau Inc. (NY)

I was taken a look at my credit karma report and I see a collection debt account for {$330.00} from RBC for XXXX XXXX XXXX I have no knowledge of this company account with RBC or any radiology taken in XX/XX/2017 This is only collection account on my credit report and i would like it removed
Consumer complaint received 2022-08-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: AMERICAN EXPRESS COMPANY (NY)

American Express has done a huge bad impact on my business with their bad reputation by allowing returns & refunds to their customers without the proper verifications methods to comply with the law. 

In the past year I had lost over XXXX US Dollars for the simple reason that my business has been affected by people with bad financial habits or personal live problems requesting returns for jobs that takes even 10 or more hours to complete with expensive equipment and because American Express customer says they don't like the products they can give XXXX and ever more refunds without sending an inspector to the place to find out the problem like every insurance services will do with their customer when filling a claim American express just apply the rule of giving the refund to their customer giving XXXX of dollars lost not only to me also to many other customers around the country and is time to apply the law and have them to pay me and many other hard-working people money back. 

No, Person 's money should be taken away without the proper investigation, especially for jobs that have been completed if American Express wants to return money do it from your pocket, not from hard-working people 's money.
Consumer complaint received 2022-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Date XX/XX/2021 the transaction amount {$8800.00}, we have XXXX account in Bank of America, it is non profitable account .so Bank of America they payed off {$8800.00} for some one, when we contacted with them about this case, they said just we investing .So they didnt make any decision by these case .please we need help from CFPB .Thank you.
Consumer complaint received 2019-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

XXXX. XXXX XXXX XXXX is currently reporting and updating on my credit file. This account was included in my Bankruptcy # XXXX in 2014. They are in clear violation of the Bankruptcy Law Act for updating on my account every month, and this needs to be removed off of my credit report.
Consumer complaint received 2022-12-19
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: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting Act, XXXX XXXX credit card account # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-06-13
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: EQUIFAX, INC. (FL)

The Credit Bereau stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigations
Consumer complaint received 2021-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Under two separate complaints, XXXX and XXXX, concerning BoF 's troubling policy/procedure in dealing with Americans serving overseas ( with APO addresses ) and BofA falsifying they reasons for denial of a credit card. Bank of America apparently lied to CFPB claiming they actually resolved these complaints. They did NOT. In fact, ALL they have done is send notices to say it is under research and they need more. time to " investigate '' and will get back to me with more information ( which they never do ). 

CFPB must NOT accept as closure to a complaint a mere statement from the company that they are " researching '' the problem and need more time. This is NOT closure. CFPB should require an actual conclusion, one way or another, to complaints, and NOT close them when the company claims to still be researching. 

Bank of America must revise its policy/systems to give the actual reason credit was denied ( as required by law ) even if the false reason given was a clerical error, and they must revise procedures to NOT require US personnel overseas to phone ( international call ) during US business hours to allow the complaint to be heard.
Consumer complaint received 2019-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I recently pulled a copy of my credit report and noticed that the 3 credit agencies aren't reporting a score. this is messing up my ability to get a apartment. Not Reported - Code : 4. this is what shows on all 3 credit reporting agencies. 

Also I have disputed address that I have never lived at and they are still being reported. 

I am paying XXXX each month for my credit reporting and score.
Consumer complaint received 2022-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

We made a deposit to the bank atm and the atm took the funds and didnt deposit the funds on the accounts. A receipt was printed stating that we have to contact our bank to make sure the deposit was made. We called the bank and filed a claim which was denied by the bank. We have proof of deposit and the camera could be checked.
Consumer complaint received 2022-04-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION (SC)

I traded my new car on XX/XX/XXXX. A " XXXX XXXX XXXXf '' was sent electronically ( EFT ) to Truist ( formerly BB & T ) on XX/XX/XXXX to payoff the vehicle ( XXXX ) ( VIN # XXXX ). 

Truist refuses to accept or honor the payment based upon the payoff from quote the XXXX XXXX XXXX system. I am due nearly {$850.00} in equity from the payoff but as each day passes I am losing {$30.00} a day in interest payments as the loan is still not showing paid off. 

The payoff shows {$51000.00} at the time when the EFT ACH was sent electronically. Also I can not get my warranty refunds from my original loan on the vehicle from either the Dealership I purchased the new car or the XXXX and I am losing the pro-rata warranty return rate each day Truist does not accept the EFT ACH payment.
Consumer complaint received 2019-03-23
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. (FL)

On XXXX/XXXX I submitted certified letters to all 3 credit bureaus ( XXXX, XXXX, Experian ). I disputed numerous inaccurate trade lines on my account. I requested that they verify all items and provide me with documentation. After the first attempt no changes were made. I then submitted another certified letter to them again on XX/XX/XXXX. This letter was again in dispute of inaccurate reported tradelines. I requested they be verified and original documentation be provided to me. This request again was not completed. I then sent them a third request via certified mail on XX/XX/XXXX restating the purpose of the letter was to manually investigate all items listed. They responded once again that they are making no changes and that all information was verified. Yet again my request for manual verification was completely ignored. I sent them one final 4th request on XX/XX/XXXX again by certified mail, restating for the 4th the items that needed to be verified or removed along with the the method, the name, and of course the original contracts that were signed with my signature. This final attempt was again ignored and not corrected. I have a copy of all certified and notarized letters, along with receipts of the sent letters. This needs to be completed and fixed and all items removed.
Consumer complaint received 2022-04-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-04-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (MN)

In XX/XX/2022, I requested to have the PMI removed from my mortgage. In XXXX an appraisal was ordered by the servicer and the value came back at {$510000.00}. I currently have a loan balance of {$390000.00} which would give me approximately XXXX XXXX XXXX ratio. The servicer has denied my request for PMI removal indicating that the XXXX ratio needs to be at XXXX XXXX. That is outside normal requirements for PMI removal. When I requested the documentation that indicated the XXXX ratio was reduced to XXXX XXXX  I was told there is no documentation.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXS-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX  XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXXXXX  XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXXXXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXXXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXXXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX
Consumer complaint received 2019-10-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (FL)

Mid XXXX I received a collections letter from Capio Partners LLC, XXXX XXXX XXXX XX/XX/XXXXXXXX, XXXX, TX XXXX regarding an XXXX bill of {$160.00} incurred about 5 years ago which was paid through the doctor 's office ( XXXX XXXX ) {$200.00} for XXXX before the service was performed. However, a few months later I recieved a bill for the same XXXX. I called the XXXX service and they explained that they were changing their billing service and mistakenly showed a debt. They apologized for the mistake and the issue was resolved. I kept the bills and notes of who I called for another year before discarding them after it was evident this issue would not be revisited. The day I received the letter from Capio, I called and explained this. The agent could care less and threatened to report it to the credit bureaus. I told her I would not pay them for something I did not owe nor an extortion attempt. She became rude and I hung up on her. On XX/XX/2019 I received a notice from my credit check service at XXXX that they had reported this to XXXX and XXXX. After speaking with XXXX I had also found that they had illegaly re-aged the alleged debt. Disputes were filed with XXXX and XXXX XXXX.
Consumer complaint received 2019-10-22
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. (FL)

XXXX  and Experian are reporting incorrectly a Foreclosure on the XXXX   account number XXXX. ( Please see page attached from my credit report. ) This account was not in a foreclosure and should not be reporting as such. I have attached a copy of the Payoff Statement from XXXX XXXX  dated XX/XX/2019 along with the Settlement Agreement dated XX/XX/2019. I was told by XXXX XXXX that the language reporting on my credit report was in error and that they have requested this language to be removed. The account status needs to report accurately that this account has in fact been paid in full. This incorrect coding and reporting of a Foreclosure is seriously harming my credit score and this line item needs to be removed and/or changed to report a {$0.00} balance and paid in full. I have contacted the ( 2 ) bureaus to change this language however, I have not been successful.
Consumer complaint received 2019-10-22
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Pendleton Capital Management (MS)

Pendleton Capital Management called my sister, XXXX XXXX, on Friday after repeatedly calling her back to back. After about the firth call, she answered and a lady asked her was she my sister. Out of concern, she said yes. The debt collected said that she was trying to get in touch with me. She never asked for any contact information but started telling her that I owed a debt and that they were a XXXX company. She stated that they were in the process of taking legal civil actions against me and was taking me to court. The debt collector told her that I had put a stop payment on the account and that I need to call her at XXXX XXXX ext. XXXX. When my sister called me about what had been said on Friday, XX/XX/2019, I became very angry about this company divulging my person and financial information. 
On Monday, XX/XX/2019 I, XXXX XXXX, called the number that was given to my sister and spoke to the lady that talked to my sister. ( XXXX or XXXX ) I told her who I was and she stated that the call may be recorded. I told her that the call was being recorded on my end. She said that it was fine. First, I asked her did she divulge personal and private financial information about me to my sister? She denied some but began to become very defensive. She would not let me talk and we got into a heated discussion. I did not say anything inappropriate to her but she started to threaten me. She said that I was in violation of the Disability act, I told her that I was XXXX. She said that she knew that I had two vehicles and named them. She stated that she would tell the finance companies that I was in the habit of writing bad checks and that I stole money. Very little was said about the debt except I owed over a thousand dollars and that I refused to pay. I stated no such. I asked her to send me all the paper work that she had about the debt and she said she could not. She hung up on me and call me back 15 minutes later. She has been calling me since but I will not answer. Everything I have stated is backed up with a recording.
Consumer complaint received 2019-10-22
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: Bread Financial Holdings, Inc. (MA)

On XX/XX/19 I filled out an on-line application with Comenity Direct Bank to open a high interest savings account. I entered my name and social security number and sent copies of my license and health insurance cards for ID. I wanted to move {$250000.00} from my joint savings account at XXXX XXXX XXXX XXXX  to this high yield savings account. Due to a problem with the Comenity computer system the account was opened in my husband 's name. I never entered his information or his SS number on the application. I called their customer service number on 4 occasions and have been unable to fix this problem. They told me no funds would be transferred until the situation could be corrected but the funds were taken from my account on XX/XX/19. 
I explained that opening up an account in a name without any corresponding back-up documentation is fraud but they to not seem to care. Unfortunately the account is earning interest and I will receive a tax statement with my husband 's name and my social security number. The company is unable to send me a copy of the original application and said they do not have access to this information. This would prove that the account was opened incorrectly by their institution but they will not provide it to me or my husband.
Consumer complaint received 2022-05-04
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. (FL)

XXXX XXXX XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) ] XXXX XXXX- XX/XX/XXXX XXXX XXXX yrs, XXXX mos ) [ XXXX XXXX XXXX XXXX ] In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2019-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lincoln Educational Services Corporation (IN)

Lincoln tech is reporting 4 missed payments and I'm paid in full. I was only late one time. I've called them and ask them to change the way they reported. They would not help me. 
Late XX/XX/2019 Paid in full XX/XX/2019 Still reporting opened and late 4 missed payments