davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I had my child in XXXX of 2021 and was taken off of my employment payroll accidentally and had to wait to receive my paid parental leave. I contacted XXXX for both XXXX of my credit cards because I would not be able to make payments on time. This was also during the time I got XXXX  with my XXXX month old in XXXX of 2021 and the federal government mandated that credit companies offer covid relief for payment deferments. I was told many times by XXXX not to worry ( even made payments as much as I could with my savings I had and receiving no income with a newborn and they refunded me/reversed the late fees ). In the months of XXXX, XXXX, XXXX, XXXX and XX/XX/2021 XXXX discriminated against me for having a child and COVID being unable to make on-time payments because my job was delayed in paying me and XXXX charged me late fees in each of those months ( even when I made smaller payments with everything I had ) and also reported the late payments to my credit reports which caused me financial hardship. I have hard these cards for almost a decade and made XXXX late payments prior to this and its disgusting how I am being treated as a customer. I am trying to buy my childhood home now after my father passed away in XXXX of 2021 and the credit reporting from XXXX discriminating against me is making my hardship worse and more difficult during this already difficult time by affecting my credit score and ability to purchase my childhood home through my fathers estate.
Consumer complaint received 2022-10-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My XXXX payment was marked late even though I mad the XX/XX/17 payment on time and 2 other payments in the month of XX/XX/2017 which I was expecting one to be applied the XX/XX/17 payment and it never was for Capital One acc num XXXX. 
Even though I had made several payments before the due date theymarked my XX/XX/17 payment late. 
you want people to pay on time and when they do you don't apply the payment. that is very deceiving to not post the payment to the next billing cycle. as it should In accordance with the fair credit Reporting act XXXX XXXX  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 a 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. 
This is my final attempt to resolve this issue before I file a smalls claim case in XXXX NY for the max of {$5000.00} plus attorney fees
Consumer complaint received 2022-10-01
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. (NC)

I sent letters to the credit bureaus on XX/XX/22, XX/XX/22, and XX/XX/22 requesting they provide proof in the form of payment history on the attached accounts. The payment history would prove the late payments as well as verify the reporting balance. Nothing has been provided to date.
Consumer complaint received 2022-10-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

I received {$300.00} to my PayPal account and the app glitches and freezes when I try to transfer my money to my bank account. Never had this problem before today and Ive been trying all day to make this transfer- this is ridiculous! Saw on XXXX that you guys are putting peoples account on hold for 180 days and then I get a message from the chat that theres no transactions in the past 180 days??! Thats XXXX, I have consistently had monthly transactions each month. This better not be the case with mine - I tried to call or chat with customer service and the wait time is OVER 2 HOURS!! Definitely closing my account after I get my money back
Consumer complaint received 2022-10-01
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. (NC)

I wrote to the bureaus on XX/XX/22, XX/XX/22, and XX/XX/22 about the late payments being reported on the attached accounts during the COVID-19 Pandemic. Per the Heroes Act, passed by Congress, the bureaus could not report late payments during that time plus an additional 120 days. These late payments are still appearing on the attached accounts.
Consumer complaint received 2022-09-30
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. (PA)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I I did not give XXXX my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which permission to furnish this information onto constitutes as fraudulent activity and is also a serious breach of my privacy rights. To Whom it May Concern ; This is about the Consumer Credit Transaction initiated on date with your financial institution executed by way of signing an Agreement ( " Document '' ). As per 15 USC 6827 ( 3 ) The term document means any information in any form ''. The provisions of 15 USC 6801 ( a ) require financial institutions to notify consumers of their information sharing practices and provide for a right to opt out of certain sharing. In the above definition Consumer Credit Transactions, without giving me the opportunity to opt-out, your institution furnished my nonpublic personal information to nonaffiliated 3rd parties ( i.e XXXX, XXXX, Experian ) According to 15 USC 6809 ( 4 ) ( A ). The term nonpublic personal information means personal identifiable financial information Therefore, as per the literal interpretation, the organization name XXXX XXXX and Experian are nonaffiliated third parties and your institution has violated the provisions of 15 USC 6802. In case your Company admits that the organization name XXXX, XXXX, and Experian is affiliated, it has still violated the provisions of FCRA the ( Fair Credit Report Act ). Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( ii ), the Consumer Report will not include any information communicated among persons related by common ownership or affiliated by corporate control. Further, 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ) states that is the Company wants to communicate other information amongst persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer should be given the opportunity to direct that such information not be communicated among such persons. Therefore, your Company has not only infringed my right to privacy but also violated multiple Federal Laws.
Consumer complaint received 2022-10-01
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: Experian Information Solutions Inc. (CA)

Last month, my wife and I applied for a loan for solar panels. We were shocked when we were denied this loan ; after checking my credit report, I saw that my normal XXXX credit score had dropped to the XXXX and that there was something showing that I had been sent to collections and had failed to pay this debt. I always pay my debts and was completely unaware of this. No one has made any attempt to collect this debt ; I don't even have any idea what it is for. I immediately reported this as fraudulent to Experian. About a week later, I received notice that my dispute had been completed and that the creditor ( XXXXXXXX XXXX XXXXXXXX, XXXX ) certified that the information is correct. I called Experian and asked what proof was provided, because I am very interested to know what this is for. The representative stated that no proof had been provided ; instead, she stated that this company did their own investigation and they this is a valid charge. She recommended that I open another dispute. I did this. Two weeks later, I learned that this company continues to state that the information is correct. Again, no documentation is provided. I don't see how this is legally allowed ; how is a company allowed to simply state that the information is correct without proving it? I have no idea what this is ; the company has not returned my phone calls. This continues to plague my credit.
Consumer complaint received 2023-10-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Serious Complaint of Fraudulent Activities, Harassment and Violation of Fair Credit Reporting Act ( FCRA ) Dear CFPB, I am writing to register a complaint against Bank of America, concerning an ongoing issue related to a fraudulent auto loan that was discovered under my name in XX/XX/2023. Despite providing a police report and identity theft affidavit, Bank of America continues to hold me liable for this fraudulent account. 

Bank of America 's fraud investigator, XXXX XXXX ( Phone Number XXXX ), has notably surpassed professional boundaries. Her conduct has been abrasive, confrontational, and ultimately, harassing. Despite my repeated insistence that she communicate with my attorney ( as outlined in the letter sent to Bank of America on XX/XX/XXXX ), XXXX XXXX disregarded this directive and continued inflicting distress upon me with inappropriate and intrusive phone calls. 

What's more, she exceeded her jurisdiction by contacting my local police department and falsely accusing me of forging my police report. This resulted in a detective contacting me to question me based on her allegations. Following the investigation, the detective confirmed that there was no evidence pointing towards me being the one who took the loan. 

I wish to underline that such conduct and disregard from Bank of America and its representatives severely infringe on my rights under the Fair Credit Reporting Act ( FCRA ). As per Section 615 of the FCRA, any user of a credit report is required to provide a notice of an adverse action ( like applying higher interest rates ) if the action is based upon information contained in a consumer report. However, the bank in question is alleging a fraudulent loan on my account and categorically denying my involvement in it. 

I believe the activities and conduct of Bank of America and its representative have been grossly inappropriate, potentially illegal, and a clear violation of my rights. As such, I request a full-scale investigation involving federal intervention to bring justice to this matter promptly. 

Attached herein is the letter from my lawyer, outlining that all further communication related to this matter should be directed to him. 

Should you require any further information to pursue this case, please feel free to contact my legal counsel. I look forward to a swift resolution to this matter and thank you for your intervention. 

Yours sincerely, XXXX XXXX
Consumer complaint received 2023-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANKMOBILE TECHNOLOGIES, INC (KY)

I was instructed that the email and phone is not correct. I was instructed to send in a form to update it. I sent form in with tracking and proof of receipt. The bank failed to update the information. They are withholding my funds and have no way I can access them. They are all digital so I dont even have an option to go to a XXXX XXXX XXXX store. I just want to access my account.
Consumer complaint received 2024-04-11
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: EAST WEST BANK (TX)

XXXX XXXX and XXXX contacted me over XXXX in XX/XX/2023. They were sending profitable stock information and asked me to buy. I didn't believe it initially but saw that some of the stocks they pitched were doing well judging from my novice stock knowledge. After some time, they pitched XXXX XXXX, a XXXX XXXX company stock. They said I had to invest a minimum of {$100000.00} to qualify for % XXXX return. I didn't have XXXX XXXXXXXX but did my best to raise XXXX XXXX. I went ahead and bought XXXX worth at their direction and XXXX promised me that the returns would be achieved in 3 weeks. I transferred the money to a stock trading app called XXXX, with their direction. Three weeks turned into months and I watched as the stock declined. I was advised by XXXX to be patient and that I would realise the returns soon. He also requested that I introduce it to my friends which I refused to do. 

The funds were transferred through the East-West bank XXXX Bank Details below bank name : East west bank bank routing number : XXXX bank country : United states address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  : City of XXXX state : California zip code : XXXX Recipient account number : XXXX Message to recipient bank : XXXX, XXXX XXXX XXXX XXXX : united states recipient name : XXXX XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California zip code : XXXX message to recipient : XXXX, XXXX XXXX
Consumer complaint received 2023-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

My husband has tried repeatedly to get on line banking through CitizensBank. Its down quite frequently. We noticed that someone has been charging my account illegally the past almost 2 years. It was hard to find this out because we are frequently unable to get online. When asked if we could get credited, they said partially, but not all of it. Im not sure why they would credit partially but not all of it. They shouldve seen the red flags that this company that was withdrawing money out of my debit account was fraudulent. They never said a word. I had a person from the bank call me to rectify it and then ghost me when I tried to call her back. Nothing was ever done to rectify the whole amount. They have done a poor job at noticing any abnormal activity and they say they pride themselves on catching illegal activity.
Consumer complaint received 2022-09-30
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: TD BANK US HOLDING COMPANY (MO)

I fell hook line and sinker for a gift card scam. I received an email that was supposedly from XXXX. I didn't call the number in the email but went directly to my XXXX account and the notice was there and I called the number thinking it was for XXXX. I really missed all the red flags, they supposedly credited my bank account but it was for {$5000.00} instead of the {$500.00}. I was directed to get gift cards which I stupidly did. The money was gone from the gift cards and I've contacted my credit cards to see what I can do. The gift cards were, Target, XXXX, XXXX and XXXX XXXX. These were {$500.00} gift card. The XXXX XXXX card was bought at XXXX XXXX and the XXXX cards from XXXX 's.
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have tried for years to fix this issue with XXXX. I just received a letter stating they do not have an account for my as they moved my file to XXXX when they allowed me to become a identity victim. Also when I went to logg into my XXXX account they locked it to say my password was wrong. Now I can't contact them unless I go through a 3 hours integration. 
They can't allow a medical debt under {$500.00} to be applied to me credit without verification this account belongs to me as they don't know my current address as this is an issue as well. 
What ans why are thy allowed to continued to.lie as we the consume suffer these abuses.

I know there were penal codes to Sue for this however they have since been removed from publication online. 
I need this information removed off my credit.
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: WELLS FARGO & COMPANY (FL)

The guest booked a vacation rental through my website, www.goodmorningrentals.com. Upon booking, they submitted a signed rental contract, their ID, and payment for the rental. Notably, the name on their license matches both the contract and the Wells Fargo credit card used for payment. During the checkout process, the guest 's identity was further verified via their fingerprint, which was captured by the payment processor, XXXX. Throughout their stay, communication with the guest occurred via text messages, wherein they expressed satisfaction with their experience. Additionally, video footage and photos captured during their stay corroborate their identity as per their license. 

Following their stay, the guest initiated a dispute with Wells Fargo, claiming the transaction was fraudulent. Subsequently, a credit card dispute was raised with the payment processor, XXXX, which escalated the matter to the guest 's bank, Wells Fargo. Despite providing comprehensive evidence, including the signed contract with matching IP address, email, and phone number, as well as communication records, the dispute was ruled in favor of the cardholder. 

The decision cited reasons such as discrepancies in the name, email address, and phone number, though these details align with those provided during the transaction. The demand for emails as a means of verification is perplexing, as emails are inherently unverifiable. This appears to be a clear case of fraudulent activity on the part of the individual. 

Efforts to contact the individual for clarification were met with hostility, further suggesting deceitful intent. The initial payment received from the guest amounted to {$1000.00} on XX/XX/2024. However, on XX/XX/2024, XXXX debited {$1100.00} from my account, inclusive of fees. The disputed amount lost through XXXX totaled {$1100.00}. 

In summary, the evidence presented overwhelmingly supports the legitimacy of the transaction, making the ruling in favor of the cardholder 's fraudulent claim unjust and financially burdensome.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

These accounts in my report are hurting me because they are fraudulent. 


XXXX XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX {$15000.00}
Consumer complaint received 2022-09-30
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: Army and Air Force Exchange Service (CO)

Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
Consumer complaint received 2022-09-30
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (TX)

I recently applied to rocket mortgage and all went smooth my credit score is XXXX I believe it qualifies for the XXXX minimum requirement. They told me that the down payments goes together with the closing cost Wich would sum up to the amount of {$19000.00} Almost thats a XXXX down payment. I know down payments are closing cost are two different things to begin with. She kept telling me hold on on the line as if she was asking someone else wich I doubt it. The home price I applied for in XXXX XXXX Texas worth only {$170000.00} only I went to another lender and they told me that was a huge sum. 

Closing cost shouldnt be costing me XXXX. They told me they were going to charge me for their service {$5800.00} dont know what percentage is that. 

I feel like this isnt right something isnt right. I qualify to get this home but they see some savings in my account and maybe they think its ok to overcharge me Not sure if its discriminating maybe bc Im a single woman who needs this home which is homes for humanity as well. I dont understand I just went to their log in page where my information is supposed to be show account number And this is the message There's some work to be done before we can qualify you for a mortgage. But we can help you get there. ( XXXX ) score This happened last week and they told me my score was more than XXXX but they just need it all that money, thank you to whoever it may concern With this phone number you can find it Im sure XXXX
Consumer complaint received 2022-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX, I deposited 7 foreign checks from XXXX into my Bank of America account at the local branch ( foreign checks can not be deposited via mobile deposit ). After receiving a deposit receipt from the teller for XXXX, I saw this same amount pending in my BofA account. 

The next day, I see a notice that XXXX has been removed from my account in this transaction, without reason. Through visiting the branch, I discover that only 4 of the 7 checks were deposited by BofA, due to human error. I was told this would take 7-10 Biz days to resolve. After this time elapsed ( and then some ), I was told at the branch on XX/XX/XXXX that this would take 2 months to resolve from the transaction date. 

In XXXX, when 2mo elapsed with no resolution, I made an FDIC complaint, and also returned to my local BofA branch ( XXXX and XXXX XXXX in XXXX, NY ), where a XXXX case was open. The FDIC routed the complaint to the OCC, who routed the complaint to a department at BofA, who on XX/XX/XXXX contacted me to let me know they can not find the remaining 3 checks, an unacceptable response. 

This negligence on XXXX part has caused us to lose even more money due to credit card interest on unpaid balances, and removed a sizable amount of emergency cushion from our coffers.