davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have already filed a complaint with CFPB RE : XXXX On XX/XX/22 received a phone caal from BofA stating they need more time to investigate my request. 
on XX/XX/22 BofA communicated to the CFPB that require additional time to research the issue. 
On XX/XX/22 I received a letter dated XX/XX/22 from Bof A stating " We are not able to approve your recent claim as our record indicate that we completed the transfer according to the instructions you provided and therefore no error occurred. Based on this your account won't be credited ''. 

I never asserted that bank of America made an error my complaint was mainly based on the fact that I was not able to get in touch with them and had I been able to speak with someone when I first call perhps they could have been able to stop the payment. 

It is clear that bank of Americans not able to answer customers phone call promptly and evidence is also showed by the fact that it took several days to communicated to CFPB that they need more time to investigate. 

I lost all hopes at this point of being able to recover the amount in question but I am not happy with the fact that it was almost impossible to communicate with Bank of America via telephone. The most egregious time was when after baeing placed on hold for more than an hour I lost the communication. 

Certainly I am not going to stay here and cry over {$160.00} but, I have been a customer of Bank of America for over 30 years and I would have expected a better response with a signed letter not just what seems a standard impersonal letter denying responsibility. I have several direct deposits arrangements and also some automatic ACH being processed through BofA. as soon as I am able to switch those to another institution I will regretfully terminate my relationship with BofA.
Consumer complaint received 2022-09-28
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX XXXX XXXX XXXX XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed  now.with no help.
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: EQUIFAX, INC. (FL)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX 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
Consumer complaint received 2022-10-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (GA)

I had a {$2000.00} Amex gift card and went to use it and only had {$11.00} on it. I did use the initial {$300.00} on XXXX XXXX  at XXXX. I kept it at the house ever since. I went to use the balance on the purchase of a refrigerator at XXXX 's on XXXX XXXX, XXXX  and they said I only had {$11.00} applied. I looked up activity online and realized somebody had charged most of the value at various vendors over the past 4 weeks. I was able to stop about {$510.00} of it since it was pending and AMEX halted the pending transactions, but weren't willing to do anything about the ones that had already gone through. The card was at my house the whole time and not out of my possession. There are no measures of security to protect against fraud. I bought the card through AMEX, so it is not like I bought it at a store where someone else could've read the numbers. AMEX told me I have to reach out to all of the vendors where card was spent to see if I can recover the money. They were not willing to take accountability on their end to consider that my numbers are possibly a security breach on their end. I am disgusted with their lack of security and effort to make it right after the fact.
Consumer complaint received 2022-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: BARCLAYS BANK DELAWARE (CO)

Barclays recently canceled my Frontier Credit Card. They have given me three different reasons for doing so. When I first called them to inquire about it I was told that I didn't pay the annual fee. I told them that I never received any notice that I owed an annual fee and they just apologized and told me to apply again. I called again and was told that my card was closed due to inactivity. Something that I also received zero notice of. Then I received a letter saying that my card was closed due to a recent delinquency on my credit report with XXXX. I have zero delinquencies. So I am concerned that this has adversely affected my credit. I was also recently turned down for an XXXX Credit Card. I am not trying to find out what is going on here. So, I feel I need help.
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP (OR)

My reliacard for unemployment with a balance of XXXX that I don't have anymore and need a replacement card but haven't been able to get cause of some block or something they said. I've made id verification attempts with no luck hearing back. This is my second attempt through this company. US Bank hasn't responded to me after uploading documents
Consumer complaint received 2022-08-22
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. (FL)

On XX/XX/XXXX, I sent a notice to Experian to correct my personal information because there were inaccurate names, addresses, employers, etc. reporting. 

However, Experian did not all old information associated with the personal information section of my consumer report. 

Pursuant to 15 USC 1681 ( a ) ( 4 ) -Accuracy and fairness of credit reporting, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 

Also Pursuant to 15 USC 1681e ( 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. 

My personal information should be listed as such and no other. 

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Birthdate : XX/XX/XXXX SSN : XXXX Employer : This section should have no employer due to unemployment The following personal information needs to be deleted ASAP. 

Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, FL XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX The addresses are inaccurate because I do not live there and I can not receive mail or any correspondence nor do I have access to any of these addresses. The only correct address is the address I listed XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX.
Consumer complaint received 2022-09-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (UT)

I've attempted to fix this, and I keep getting stuck in what feels like automated responses with no one actually looking into my complaint or issue. I purchased an XXXX XXXX in XX/XX/2022 with Best Buy. I paid off the XXXX XXXX and my account balance was {$0.00}. I then started to be billed an XXXX XXXX  monthly fee for an XXXX XXXX XXXX. I attempted multiple times to use Best Buy 's automated customer service system to cancel this charge. It kept trying to cancel my Best Buy account, which isn't what I was trying to do. I do not recall authorizing this charge. I can not find any agreement or contract stating that my purchase was dependent upon the purchase of this warranty program, and I'm not required to have it to own my XXXX XXXX. Yet, I'm still being charged for it and now it was incorrectly reported to the credit bureau as delinquent and my credit limit was decreased, despite having tried to cancel this well ahead of time and despite never actually asking for this warranty in the first place. I feel like Best Buy has been deceitful in getting this added without any real intention on my part of purchasing it and they continue to harm me by requiring me to pay for a warranty I've never requested in the first place. 

I've disputed the late credit reporting directly with Best Buy and the response was returned within less than 24 hours. I disputed this with the bureau and again the response was returned quickly without any human actually hearing the complaint and addressing the issue directly. When I asked Best Buy to provide me proof that I made this purchase, they refused to do so. They offered to send me terms and conditions of the card, but not actual proof that I purchased the warranty. I do not want this warranty product, I have never asked for this warranty product, and I keep asking to have the resulting delinquency comments on my bureau removed. This is unfair to me to continue to harm me over an {$8.00} warranty that I never signed up for. I've paid for the watch, the only product I purchased. We are talking about a pure profit add on charge for Best Buy that I didn't ask for and Best Buy continues to charge me for.
Consumer complaint received 2022-08-22
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. (MI)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-28
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. (SC)

In XXXX, I put a credit freeze on all 3 of the major credit reporting bureaus. Jump ahead to XXXX, I want to unfreeze Experian for 3 weeks. I am unable to access a customer service agent as the pre-phone requirements do not recognize and reject all my numbers. 

I need to talk to a customer service agent and can't.
Consumer complaint received 2022-09-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC (NC)

I applied for a loan of {$820.00} in XXXX of 2022 which I received knowing there would be interest and such however, I was unaware in the end I would be charged roughly {$3000.00} in repayment with a payment of {$210.00} each paycheck. As of now Ive already payed {$1300.00} back which is well above my loan already and at a substantial interest percentage and Im roughly half way done paying it. This is a ridiculous amount to charge someone and I feel as something needs to be done about it and that I bring to attention what this company does.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (FL)

I am writing this letter in response to the phone letter received from you on XX/XX/2022. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thank you, XXXX XXXX
Consumer complaint received 2022-09-21
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX of this year I filed a complaint letting capital one auto finance know that they were violating the C.A.R.E.S Act as it pertains to me the consumer. Capital One Auto Finance responded by showing my transaction history with them which violates my consumer rights under 15 USC 1681a 2 ( A ) ( i ). Capital One Auto Finance is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the ( CAPITAL ONE AUTO FINANCE ) Making the report is NOT INCLUEDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with Capital One. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

Capital One Auto Finance has violated the FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my consumer reports. 

XXXX, XXXX of XXXX and XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and, XX/XX/XXXX you reported that my transaction was 30+ days late.
Consumer complaint received 2022-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (GA)

I did not receive last month 's statement via XXXX. I received an email stating on Monday ( XX/XX/2022 ) that I had missed a payment. I always pay the full amount by the due date every month. I have been erroneously charged a late fee of {$29.00} and interest charges of {$25.00}. My son called this morning to speak to a customer service rep ( CSR ) XXXX about this irregularity and potential fraud to customers by Synchrony Bank mastercard account. I monitored the call via the speaker phone and the call was recorded by Synchrony. The CSR stated that someone over the past 30 days had changed the account to receive an electronic copy of the credit card monthly statement. This is a complete lie. She stated she would correct the account to again receive a hardcopy statement. Yesterday ( XX/XX/2022 ), I received my hardcopy via XXXX from Synchrony showing the late fee and interest charge. Meanwhile, my son paid the current statement bill, including late fee of {$29.00} and interest charge of {$25.00}, per the instructions from the CSR to avoid any further late fees and interest charges via a debit from checking account via the Synchrony online website while still on the phone with the CSR. We confirmed with the CSR that the payment was received on the phone and via an online confirmation number. However, my son informed the CSR that this action by Synchrony appeared to be FRAUD AGAINST CUSTOMERS. I am notifying the CFPB to take action against Synchrony for potential fraudulent activity against credit card customers.
Consumer complaint received 2022-08-22
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. (MD)

In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXX - Account # XXXX - Amount {$5900.00} XXXX - Account # XXXX - Amount {$0.00} XXXX XXXX  - Account # XXXX - Amount {$0.00} XXXX XXXX - Account # XXXX - Amount {$0.00} XXXX XXXX  XXXX Account # XXXX - Amount {$0.00} XXXX - Account # XXXX - Amount {$1500.00} XXXX XXXX- Account # XXXX - Amount {$0.00} XXXX XXXX XXXX XXXX Account XXXX XXXX - Amount {$0.00} XXXX XXXX XXXX XXXX Account XXXX XXXX - Amount {$0.00} XXXX Account # XXXX - Amount {$0.00} DEPTEDXXXX  - Account # XXXX - Amount {$8200.00} DEPTEDXXXX XXXX Account # XXXX - Amount {$3500.00} DEPTEDXXXX  - Account # XXXX - Amount {$8600.00} DEPTEDXXXX - Account # XXXX - Amount {$3900.00} USDOE/XXXXXXXX  - Account # XXXX - Amount {$0.00} has violated my rights. 

15 U.S.C 1681 section 604 A, states I have rights 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.
Consumer complaint received 2022-09-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC (VA)

GoodLeap is a solar loan company ( not sure if they do other loans ). They are requiring thousands of customers in 12 states that I know of including Virginia to pay loans on solar panel system that isn't working. My loan is $ XXXX. They were very deceitful thru the loan process along with the now defunct solar company. It is outrageous that our Federal government is pushing solar power, and that it is a total racket. We and thousands of other customers ( XXXX page XXXX XXXX XXXX in conjunction with Goodleap ) prayed on thousands of customers with no working solar panels, a large loan, and no one that is helping, a complete runaround from every angle. I certainly hope your Federal agency can assist. 
XXXX XXXX turned XXXX XXXX and backed by GoodLeap Please don't let anyone else buy solar panels and push sustainability with people like this scamming thousands of customers and literally walking away from the business.
Consumer complaint received 2022-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Two of my capital one credit card was canceled a while ago by capital one while I still had a fairly large balance on both cards. I had no issues with them canceling both of my cards and I still continue making payments on both of the credit cards. They continue to charge me interest charges which I am okay with also, since I am not able to pay the card off in full at the moment. I have no problem with any of the issues above and once again I still continue to make payments to capital one with both cards. I then recently called capital one and simply asked them to apply my nearly {$2000.00} in rewards between both cards to be applied as statement credit to my account. They denied to add the reward dollars to my account and said they were forfeited since there was a closure in my account. These are the reward dollars that I earned as an active capital one credit card holder. I feel like it is unethical to take away my reward dollars that I earned charging their card instead of any other credit card holders while they continue to charge be interest charges every month for my unpaid balance.