davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I received a check from XXXX XXXX, NV on XX/XX/XXXX for {$13000.00}. Bank of America is the bank that is listed on the check. At the time, I did not have a bank account that would accept a check larger than {$10000.00} so I had a friend deposit it into their checking account at XXXX XXXX 
The check was properly endorsed over to them and deposited into their account on XX/XX/XXXX, however, it was returned because you can not use mobile deposit for third party checks. A substitute check was issued as a replacement. 
We then properly deposited the substitute check in person, both of us present with photo ID on XX/XX/XXXX. This check was also returned because it was outside of the cash within 90 days period. Another substitute check was issued which at this point would be useless since it cant be re-deposited due to the date. 
I've been in touch with XXXX XXXX to have them reissue the check, but they're adamant that their records show it was successfully cashed on XX/XX/XXXX, which isn't the case. XXXX XXXX has been very helpful in this situation with providing whatever I need to show proof that the money was returned. XXXX XXXX won't budge without confirmation from Bank of America. 
Here 's where I need your help : since I'm not authorized on the account, BOA won't release the necessary information to XXXX XXXX. It's frustrating to think that a simple conversation could resolve this and get me the money I'm owed. I'm reaching out in the hopes that someone can assist in bridging this communication gap and finally get this check sorted out. 
Your support in getting BOA to provide this essential information to XXXX XXXX would mean the world to me. Thank you so much for considering my situation and offering your help.
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Payment submitted to XXXX XXXX XXXX XXXX i/a/o {$72.00} via CapitalOne Bank bill pay system was returned by them for stop payment. I paid XXXX with a credit card to avoid water being turned off. I filed a claim with COB for reimbursement, they denied the claim, I made at least 4 phone calls to their customer service people and claims group and was told on XX/XX/23 that they would place a stop payment on Ck # XXXX ( issued by their bill pay vendor ) and credit my account. I followed up with a phone call on XX/XX/XXXX and was told that the claim had again been denied. I sent an email on XX/XX/23 to both customer service and claims requesting payment, received no response and resent that email on XX/XX/23, again with no response. COB owes me that money and because they are unresponsive, I am submitting this complaint. I am a 20+ year customer of COB and a former employee as well. I've been using their bill pay system for more than 5 years and never had an issue until they changed it in XX/XX/2023. This payment had been going to XXXX with no issues until they changed their system.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (NC)

Recently, I did an investigation on my credit report and have found questionable reporting practices and failure to meet minimal requirements with GM Financial and XXXX. I have written several letters to all three credit bureaus back in XXXX, as noted in your system asking for validation. All have claimed that they have verified the inaccuracies GM Financial has reported on my credit report. 

On XXXX XXXX, XXXX I have sent a letter directly to GM Financial and XXXX asking for a correction and/or prompt removal of incomplete, outdated or unsupported information. To date, nothing has been updated. 

As a consumer, I request to know all of the steps this agency took to ensure that these items were reported as 100 % accurate under 15 USC 1681i ( 7 ) Method of verification. Description of reinvestigation procedure.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, you have violated my rights 15 U.S.C 1681 section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

In early XX/XX/2023, a Chase Checking Account check payment ( Check # XXXX, for {$1600.00} ) I made payable to my landlord ( XXXX XXXX XXXX XXXX ) and sent via USPS Mail was fraudulently intercepted and cashed by an unknown party via XXXX XXXX. I promptly notified Chase and submitted the necessary documents with a signed statement from my landlord representative on XX/XX/2023. Chase opened the claim, investigated, and issued a credit for the stolen check amount {$1600.00} on XX/XX/2023. However, Chase reversed this credit in XX/XX/2023, removing {$1600.00} from my account without a clear reason. When I called Chase customer service to inquire, Chase representatives provided different and conflicting responses. One explanation I received is that Chase has repeatedly contacted XXXX XXXX ( the bank that cashed my check without properly verifying the identity of the payee ) and has not yet received a response. Therefore Chase can not reimburse my stolen check amount until they receive a response, with no definitive timeline of when Chase would assume responsibility to reimburse me if XXXX never respond at all. The initial credit that Chase provided for me is only a courtesy and expires after 90 days if Chase can not resolve the dispute with the other bank. Another reason that other Chase representatives have provided is that a Chase employee had revoked the {$1600.00} credit in XXXX because they thought my account had been credited twice ( I only received the credit once in XXXX ; this is easily verifiable from my account statements and activities ). After dozens of times contacting Chase without a clear resolution during the span of 10 months, I still can not recover the money stolen from my checking account. Chase can not offer me any clear timeline or pathway for this issue to be resolved if XXXX XXXX never responds to Chases multiple inquiries. In the last letter I received from Chase on XX/XX/XXXX, they are putting the responsibility in my hand to recover my funds from XXXX XXXX.
Consumer complaint received 2024-02-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PR)

PORTFOLIO RECOVERY ASSOCIATES also known as PRA as a non-affiliate third party has and is currently active in pursuing reported Write-offs/Charge-offs illegally. PRA as a non-affiliate third party contest that it has the right and obligation to demand payment of Conclusive Presumption of Worthless Debt or Write-offs/Charge-offs under Tax Law 13-35 section 1.166-2 ( d ) ( 1 ) ( 3 ) and Section 2.166 ( a ) ( 1 ) ( 2 ), while making false statements of its identity or connection as a bank and financial institution to coerce me into a contract with a non-affiliate third party. PRA as a non-affiliate third party insinuates and suggests it is a partner with XXXX XXXX XXXX  and is listed or mentioned in XXXXXXXX XXXX XXXX consumer contract/obligation agreements with the following statement, i.e.PRA as a non-affiliate third party purchased the XXXX XXXX XXXX ( USA ) XXXX XXXX. ( XXXX XXXX ) XXXX credit card account ending in XXXX from XXXX XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/year> 2021
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (KS)

This account is showing as open with a XXXX dollar past due despite them being paid out in full by XXXX  in XXXXXXXX XXXX XXXXXXXX, before that, the car had been damaged earlier in the year and they delayed the insurance payout. 

On my credit it is showing as in collections despite me still paying every month until the car was paid off by insurance. 

I can upload a payment history from their system showing the car was paid in full. 

I've tried XXXX separate times, going back to XXXX to fix this with the company, but they keep saying its not their fault. 

I want this fixed as it is affecting my ability to get financing for a house.
Consumer complaint received 2023-12-08
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. (VA)

XXXX  Account # XXXX THIS ACCOUNT IS NOT MINES, I NEVER SIGNED A CONTRACT WITH XXXX XXXX  XXXX XXXX THEY ARE IN VIOLATION OF MY PRIVACY FOR USING MY INFORMATION THIS ACCOUNT NEEDS TO BE DELETED DUE TO ITS INACCURACY & UNFAIRNESS. 

IN VIOLATION OF MY PRIVACY FOR GIVING MY INFORMATION TO A THIRD PARTY PLEASE REMOVE THIS ACCOUNT IMMEDIATELY
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Dear Equifax I noticed that my credit score dropped. I checked my credit report and noticed multiple inquires on my credit report. I authorized a few of them but some of them I did not authorized. I read the Fair Credit Reporting Act, and it stated that a company needs a permissible purpose to pull someones credit report. Well I did not give the company below that permission. 

XXXX XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

XXXX  : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

I have also sent a letter to the furnisher asking them why they have pulled my credit report without my permission. Im waiting for their response. While waiting for them, Im asking you to honor the law and delete these inquires. 

Help please.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

Recently, on XX/XX/2023 I did another investigation on my credit report and realized that there were several inaccuracies, invalidated and unverifiable items that the credit bureau agency is reporting.

Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of their reported claims. Their failure to remove these claims is a violation of my consumer rights and is unjust. 

The credit reporting agencies are either not responding or stating that these were investigated and verified. Again, they're several inaccuracies still showing on my credit report and in some cases have been removed and then reinserted causing me to lose housing opportunities and from obtaining credit. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S.C. 1681e ( b ) and 15 U.S.C 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX or XXXX, I received a direct message via XXXX from a supposed painter. They had mentioned that they wanted to use a specific picture I had posted to make a painting. Since I had no problem with it, I had agreed. XXXX, the painters name, had said she was required to send me money because of protocol. I had sent her basic information to contact me to go further. When the client ( who was paying for the painting ), XXXX XXXX, had messaged me, he sent XXXX back to back checks to deposit via email. When I deposited both checks, they were placed on hold. Chase had said the check amount would be available a week after the check was deposited. Messaging the client, he had said that was fine and normal. Later, XX/XX/XXXX, Chase emailed saying I had insufficient funds due to the check removing {$500.00} instead of adding. When I brought this up to XXXX, he had the - {$500.00} removed some how. After this happened with the XXXX check, he had mentioned to deposit another XXXX to get the pairing project started. The same issue kept happening. Therefore I had called Chase to remove the most recent checks on XX/XX/XXXX, because I would not have cell service that weekend and I was frustrated dealing with the same issue despite the clientele changing etc. The representative had mentioned that out of the XXXX checks I deposited the first one would be removed and when the second one goes through, they made a note to remove it. I was not made aware of any fraud or fraudulent activity in my account by Chase, I only received letters stating the checks were removed from my account. On XX/XX/XXXX, I had attempted to make a payment at XXXX XXXX, however, it said not authorized. When I called my bank about my account, they said that my account is closed due to fraud and nothing can be done. I asked if there was anything I can do or resolve, but the representative said I couldnt and I could not open another account at Chase. In search of a new bank account due to this because my job needs to deposit money in my account, I went to XXXX XXXX ; however, the banker said my name/SS is not passing the background check. Chase did not mention any of this to me prior
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Trans Union has cut me off from my ability to manage my credit freeze online. My incident of fraud was reported in XXXX, in XXXX I received an updated letter with an online method of managing this freeze. I have not reported any fraud since, I did report that a vendor indicated to me that they were unable to access my credit, but in fact had a hard hit so I asked that vendor to remove the hit as they indicated they could not access it - it could not be both inaccessible and inquired upon. 

Over the last year or so I have been unable to manage my freeze online, I have reported this issue at least twice and each time Trans Union indicates that they will fix it to make it available online through a process - but nothing happens. The most recent time they said I am ineligible to manage it online. 

Additionally they will not provide by mail a credit report - I go through the free credit report site and am amble to get information from all bureaus except trans union. Transunion indicates they will mail a report but they never do. 

If there was a new reported fraud incident to trans union I am not aware of it. Something about their record has changed and I do not know the reason behind it but it has the effect of denying me credit because I can not manage my freeze as last instructed by letter dated XXXX AND I can not monitor my credit file because they will not provide it to me- online - nor by mail. 

I note that the CFPB sanctioned Transunion for their management of credit freezes- my issue certainly seems to fit into that category. The number from the settlement action is not answered so it seems they are not complying.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (FL)

I am writing to bring to your attention a concerning discrepancy in the reporting of my credit history by XXXX, one of the major credit reporting agencies. Specifically, I am disputing the late payment reported on my credit card account with Barclays Bank, account number XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), as outlined in 15 U.S. Code 1681, it is imperative that credit reporting agencies ensure the accuracy and fairness of the information they report. However, I have observed that Barclays Bank is inaccurately reporting a late payment on my account to XXXX. 

This discrepancy is particularly alarming as the late payment is not reflected on my credit report with XXXX, indicating an inconsistency in reporting among the major credit bureaus. Per subsection b4 of 15 U.S. Code 1666, which addresses the correction of billing errors, Barclays Bank is obligated to rectify any inaccuracies in reporting to ensure consistency across all credit agency reports. 

Additionally, in accordance with 15 U.S. Code 6802, Barclays Bank is required to provide consumers with the option to opt out of certain information reporting, such as late payments on credit reports. However, I have not received an opt-out form from Barclays Bank , as mandated by subsection b of 15 U.S. Code 6802. This failure to provide me with the necessary opt-out information violates my rights as a consumer to control the dissemination of personal information and operate fairly in commerce. 

The inaccurate reporting of this late payment has had significant adverse effects on my financial well-being and ability to engage in various transactions. It has hindered my ability to obtain mortgages and extensions of credit, causing undue stress and hardship for myself and my family. 

In light of these violations and the resulting impact on my financial rights, I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccuracies in Barclays Bank 's reporting. I also request that Barclays Bank be held accountable for their failure to provide me with the necessary opt-out information as required by law. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure fair and accurate credit reporting practices are upheld. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

Recently, on XX/XX/2023 I did another investigation on my credit report and realized that there were several inaccuracies, invalidated and unverifiable items that the credit bureau agency is reporting. 

Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of their reported claims. Their failure to remove these claims is a violation of my consumer rights and is unjust. 

The credit reporting agencies are either not responding or stating that these were investigated and verified. Again, they're several inaccuracies still showing on my credit report and in some cases have been removed and then reinserted causing me to lose housing opportunities and from obtaining credit. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S.C. 1681e ( b ) and 15 U.S.C 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-12-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This is regarding my Capital One Quicksilver credit card that I've had for at least the last 4 years. I pay my bill IN FULL each month using the company 's online autopay service that offers me several payment choices. I always choose Pay on my Due Date, which is the first of each month, and it's never been a problem until recently. About four months ago, my autopay was made as usual ( balance in full ), but I was charged interest on my outstanding balance, even though I paid it in full and on time. Capital one reversed the charges upon my request and all was well. Same thing happened the next month, and the next month after that. Then again this month. This time they refused to reverse the interest charges and accused me of making my payment late each month, even though I'm selecting their autopay option to pay in full on my due date, which is the first of each month. Even their automated phone prompt says, " We received your last payment on XX/XX/XXXX, '' which is when my payment is due. I pointed this out to the agent but she continued to accuse me of making my payment late. This company needs a stern talking to about their billing practices. Thank you.