davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/22 I made a balance transfer payment. I paid to the incorrect account, and on XXXX contacted Bank of America and the agent I spoke to confirmed that the overpayment amount would be returned to me by check. When I asked the agent, they confirmed it would be returned by check. When I received communication from Bank of America, the letter advised me the funds would be returned to where they received the money from, not as a check as the agent told me. I have checked the paying bank, and the funds have not been returned as a payment or credit. 

On XX/XX/22, after receiving the letter, I called Bank of America again and spoke to an agent who, after I explained the situation, told me that " you can not pay a credit card with another credit card '' to which I had to advise that in the event of a balance transfer, you can do that. It is concerning that the people I spoke to employed by this bank did not know how to assist me in features their employer offers. The agent then transferred me to another department. The agent I spoke to in the Credit Card department they told me it could take up to 30 days, and repeatedly stated I had requested it would be returned by ACH to the source bank, which I had not. I had not provide routing or account information for a return transfer, because it is returning to a credit card, not a checking or savings account. I was advised to give it a " few days '' for resolution. 

The agent told me the way the payment is represented on their end does not align with the actual events of the payment. This is also concerning, because there is either a system issue or agent issue. Neither bodes well for the accuracy of their service and security. 

Bank of America lied to me about how my funds would be reimbursed. If it was not possible, the agent I first spoke to should have told me that, instead of lying to me and advising me the funds would be returned to me by check. I am now out {$1800.00} due to this and I am not being provided a realistic solution by the bank that caused the error.
Consumer complaint received 2022-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

Hi, I reported fraudulent activity on my account on XXXX XXXX. I realized that money was missing when I paid my car payment on XXXX XXXX and they were saying they didnt receive the money. I also received a notification from my bank ( Wells Fargo ) that my bank account was XXXX and something dollars. Im someone who uses my XXXX wallet and rarely my physical cards. I realized my cards from both of my banks were missing on the XXXX but I didnt think they were stolen until I seen fraudulent checks being imputed in the account and money being moved out of the account and even somebody using a fake check from somewhere no where near where I was because XXXX sent me a bank statement. After getting These weird notifications I contacted wells and let them know my situation where I closed my account and opened a new one and also ordered new card and went through each charge saying what I authorized and didnt authorize. Theres even a withdrawal from an atm that I never made. They say they were investigating but if they truly were investigating, then i wouldnt have been denied. Where are the cameras from people using the atm? Where are all the devices used to get into my account which yes someone was in my account XXXX  money around to unknown contacts. If They really researched They Would Know that I am a victim of fraud. I am a XXXX XXXX XXXX and full time worker who works hard for her money. I feel like because Im not a store getting robbed, my money doesnt matter, its not insured, whereas I am a person who lost a great deal of money and almost lost my car because it couldve got towed. If I am a loyal customer, banking with you, why would you guys deny me without thoroughly researching. I filed a police report. This whole thing is unprofessional. I ordered my card two weeks ago and the banker I was on the phone with never sent it out so now Im waiting another 7 days. This is such an inconvenience. The police officers who were working my case even said you can see clear as day that the fees Im disputing are fraudulent. They attach the pictures of the checks that are being cashed and everything! I get nothing and some random person is walking around with my hard worked hard earned money? No! I need them to do their job! Please! I followed Your steps, did everything I was told, issued a fraud alert, opened a bank, changed usernames and passwords, its your turn
Consumer complaint received 2022-06-01
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: EQUIFAX, INC. (DC)

I sent in a dispute regarding the balance on my student loan with the US Dept of Education and XXXX XXXX. The loan was fully discharged and the balance should be XXXX. 
Equifax sent me a response and said that this creditor was not appearing on my credit report. I sent Equifax proof that the loan has been fully discharged .I spoke XXXX, XXXX was the supervisor that I spoke with. He gave me conflicting information. He insisted that I submit a second complaint notwithstanding the fact that I had previously submitted my dispute over 30 days ago.
Consumer complaint received 2022-06-06
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. (OR)

Just like what happend with XXXX ( complaint XXXX ), when I checked my Equifax account on XX/XX/XXXX, I found that someone - the same person that perpetrated the fraud at XXXX - had used the same technique to get access to my credit report account at Equifax. All they had to do was register for a new account and then used my basic information, and it ripped my account from me and handed the account over to the fraudster without having to use my password. 

This type of unauthorized use of a person 's credit account is quite easy through both XXXX and Equifax 's website and the onus is on the person being impacted by the illegal activity to keep track of their account and NOT have XXXXEquifax hand it over to a fraudster. 

The attachment shows XXXX- which is NOT my email address. And the agent was able to tell me the person 's phone number, ( XXXX ) XXXX.
Consumer complaint received 2022-06-06
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 (IL)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX  XXXX It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX XXXX XXXXXXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than XXXX  days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Consumer complaint received 2022-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
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 (CA)

I have XXXX credit cards with Capital One. My cards have been paid in a timely fashion. Even while I was negatively impacted financially due to COVID-19, I paid timely for longer than I could. I was finally provided an Accommodation by Capital One for both accounts : Forbearance & deferring payments according to the CARES Act for COVID-19 pandemic which is retroactive to XX/XX/XXXX. 
Capital One has failed to comply with FCRA requirements and has reported to CRA late for two 30 day and increments XX/XX/XXXX, XX/XX/XXXX for one of my accts, 30 days late XX/XX/XXXX for the other account. 
I have spent time and numerous efforts to correct the inaccuracies on my credit reports. Irrespective of providing proof of accommodation as well as payments, the items have been not been removed. After I paid to have rapid rescore done and extra month of later was added for one of the accounts, further decreasing my credit scores and payment status. 
This patch is negatively impacting my credit reports, ability to place myself in a better financial position with lower interest rates, increase my credit limits with Capital One and other credit cards I have and the like. 
I have paid twice for a rapid rescore, promised the derogatory information being reported would be removed and even this has fixed the problem only temporarily. 
I am responsible with my credit and finances ; the CARES act for COVID-19 accommodation should be properly applied in this circumstance. I need this permanently removed. Thank you Capital One.
Consumer complaint received 2022-06-06
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. (GA)

In accordance with the Fair Credit Reporting act XXXX the below accounts, 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 Sec. 1681a. Definitions ; rules of construction ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Untitled { XXXX } XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-07
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  Account US SM BUS ADMIN ODA, has violated my rights. 
XXXX  Account XXXX  XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX, has violated my rights. 
XXXX  Account XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX  Account XXXX XXXX XXXX, has violated my rights. 
XXXX  Account XXXX XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX, has violated my rights. 
XXXX  Account XXXX  XXXX XXXX XXXX, has violated my rights. 
XXXX Account XXXX, has violated my rights. 
XXXX Account XXXX XXXX, has violated my rights. 
XXXX Account XXXX, has violated my rights. 
XXXX  Account XXXX XXXX XXXX has violated my rights. 
XXXX Account 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX has been reporting 3 of my investment property mortgages delinquent for about 7 months now since XX/XX/XXXX, incorrectly, because they're both in forbearance since XXXX until XX/XX/XXXX. Since XX/XX/XXXX, they have stated that it's been fixed but the bureaus keep getting refreshed with the same incorrect delinquent information. The department responsible for this is only available via email and they never reply even though I have emailed them about a dozen times since XXXX, about once per week. I would like to know if and how this company can be held accountable. I have been denied crucial business and personal credit lines due to the impact this has had on my credit. From XXXX to XXXX currently. I have already filed a complaint with CFPB about this on XX/XX/XXXX, to which XXXX XXXX XXXX XXXX sent a letter stating that the incorrect reporting would be fixed but as of XX/XX/XXXX, the late payments are once again reappearing on my credit reports.
Consumer complaint received 2022-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: DISCOVER BANK (NY)

On XX/XX/2022 I received a notice on my XXXX XXXX that Discover had made an inquiry into my credit history. On XX/XX/2022 I received a Discover credit card in the mail. I did NOT apply for this card. 

I contacted Discover on XX/XX/2022. They canceled the account and informed me they would begin an investigation. 

They asked me if I recognized an address in Ohio, which I did not.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

XX/XX/2022, re : Equifax unverifiable Bankruptcy reported on my credit report. Bankruptcy Court Case No. XXXX. First of all, there is no company I am referring to the U.S. Bankruptcy Court, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX, Florida XXXX. On XX/XX/2022, I sent a letter to Equifax Credit Bureau, XXXX XXXX XXXX XXXX, XXXX XXXX. In the above referenced bankruptcy. As of today XX/XX/2022, no one has responded to me yet. Equifax never removed the bankruptcy nor has my score changed according to my research I am entitled to XXXX points once my score is updated. I have attached a copy of the page in the Equifax credit report they have no intention of correcting my report or my credit score. The FCRA mandates that Equifax correct this unverifiable information within 30 days, or it must be removed. It has been 76 days and there has been no change to my credit report or my score. I am attaching a copy of the letter that I sent to Equifax on XX/XX/2022. This letter was sent certified mail return receipt requested. XXXX XXXX XXXX XXXX XXXX received on XX/XX/2022, signed by XXXX XXXX.
Consumer complaint received 2022-06-08
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. (ME)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, 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 2022-09-24
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. (CA)

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX  services Account # XXXX, 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 2022-06-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (OH)

Again, I applied for loan modification. I had to do an appraisal but the appraiser didnt want to because my grandchild was positive for Covid. I received another loan modification packet, I asked XXXX XXXX did I need to fill it out and she said no! They received the appraisal on XX/XX/2022. XXXX XXXX wrote on XX/XX/2022 and said things were a go. I might need to update income documentation. XXXX XXXX I asked if she needed anything else. No response. So I thought they were working on it. On XX/XX/2022 I asked what was going on? I get an email today XX/XX/XXXX that XXXX XXXX was on a leave of absence and I have another contact person. But today, I got foreclosure papers! 
I called in and they said the new person tried calling on XX/XX/XXXX, however no one left a message. I mean not everyone has their phone to their hip! Why not leave a message? 

I have been trying to get modification before Shellpoint bought it from XXXX XXXX! The paperwork was suppose to transfer but I had to submit new paperwork in XXXX. Then XXXX XXXX was out and had to wait. Sent paperwork by email and snail mail plus uploaded through portal. So now its my fault! Yes Im behind but Ive been trying to get this resolved. 
I feel Shellpoint and other loan companies do this to get more fees! 

I even got approved by XXXXXXXX XXXX  XXXX Ohio on XX/XX/2022 but its still pending with my servicer. 

Please see emails!
Consumer complaint received 2024-12-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (IN)

RE : XXXX XXXX ( since married XXXX XXXX ) Entered into agreement in XXXX to settled account for {$1600.00}. First payment would begin XX/XX/XXXX and end XX/XX/XXXX. XXXX incorrectly advised XX/XX/XXXX ; but, my math came out to be XX/XX/XXXX. When I did not see XXXX updated to reflect this account settled, I disputed XX/XX/XXXX and XX/XX/XXXX. Both times the results were that the account was reported correctly. However, the XXXX report resulted in XXXX contacting me. I reiterated at that time the arrangement. They were able to confirm it was in fact settled and they were in error to advise XXXX it was outstanding. XXXX from Escalations assured me she would file XXXX complaints- XXXX for incorrectly advising XXXX and the second for not updating my credit in a timely manner. When I call back today, I can not get XXXX, but I get XXXX. I am then told they need XXXX MORE hours to re-investigate. However, they re-summarized the whole thing already to me. What additional time is needed?!
Consumer complaint received 2022-06-06
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)

on. for 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 ONLINE INFORMATION SERVI : OPENED XXXX XXXX, XXXX OPEN BALANCE {$310.00} ORIGINAL CREDITOR NAME XXXX XXXX XXXX XXXX 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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. 

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 any reasons.