davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-02
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In an attempt to resolve a customer service issue with Capital One Bank ( XXXX, VA ), I submitted a complaint to the XXXX, which is now closed. In their response to the XXXX, they submitted personal information in the form of my account application which included my name, DOB, SSN, and address. This information was unnecessary to disclose and should have been redacted. When I expressed concern to Capital One about the mishandling of my information, they told me I had authorized release of such information and that they were compliant with federal law. I believe they have violated my protection by law and wish to express that complaint to a government entity so that others are not impacted by such oversights in the future. I am particularly angry because I experienced identity theft at the same time as they mishandled my information.
Consumer complaint received 2024-08-02
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: Experian Information Solutions Inc. (CA)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed
Consumer complaint received 2016-08-02
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (CA)

Due to the transfer of the Fidelity Rewards credit card from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to Elan Financial Services, I was no longer able to access my account online and retrieve my online statements and pay the bill. XXXX no longer had records of my account and I had trouble logging into Elan Financial Services. I had a past due amount of {$9.00}, but a late fee of {$10.00} was imposed instead, which violates the CARD Act amount of the late fee equaling minimum payment due ( which would have been {$9.00}, not {$10.00} ).
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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.

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 2024-08-02
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)

I have already filed a complaint with the XXXX credit bureaus regarding inaccurate data on my credit report. The agencies did not respond to my complaint and accused me of using a third party to send the complaint. I want to clarify that I sent the complaint myself. Attached are my letters, along with my ID and FTC report.
Consumer complaint received 2016-08-02
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A. (CA)

Please see my report OCC filed on my behalf with the CFPB XXXX and the XXXX filled by myself with the same agency I would like this matter dont be achieve and be proper investigate it. 

Citibank is not addressing my issue correctly, Its response does n't show the time of the amount withdraw of the amount of {$500.00} from its report. You said you machine gave me the exact amount that report it does n't show it and I know this Citibank ATM Machine located in the city of XXXX the XXXX I withdrew the money it has Cameras built in as matter fact it has XXXX, XXXX next to mirror and another XXXX below where you insert your card Im attaching picture hereto. Citibank, is denied me due process on this matter to have the proof as I requested Them, If their ATM machines wouldnt have cameras I 'd undestand but my proof shows otherways.They instead choose to denied me as saying " you cant have it '' to me is like steal/take my money based on a general report, I would like to have US regulator to look into this matter to request Citibank to show its proof of the money given at the time when I did the withdraw.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/24 I contacted TransUnion to update my address on my credit report. I was told that due to inaccuracies that I would need to wait before I could update my address and remove any old addresses. She stated that I would need to wait 5 business days and then call back to change the address. I asked her about the inaccuracies on my report and was told that she could not disclose them but would have them removed and for me to call back in 5 days. I informed her that as a consumer I had the right to know the information but she declined. I was asked for my full social security number, email and phone number. She also did not disclose the credit report number
Consumer complaint received 2016-08-02
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BBVA FINANCIAL CORPORATION (TX)

I attempted to make a transaction I never received the product or services and was still charged, after becoming aware of this I immediately contacted BBVA Compass to dispute and was awarded a refund but was still charged several overdraft fees because of it. The bank stated that Federal bank regulations would not allow them to refund the overdraft fees because it was not a bank error. I 'm refusing to have to pay the bank fees for transactions that are not valid.
Consumer complaint received 2024-08-02
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. (CA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 2016-08-01
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I left my wallet at a friends house and when I retrieved it later that night I found about XXXX-XXXX dollars missing from the card, he swore he was going to return it to me but now he wo n't answer my text or calls!!!
Consumer complaint received 2016-08-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HEARTLAND PAYMENT SYSTEMS INC (CO)

I currently pay a Perkins loan throught the University XXXX. That loan is serviced through ecsi.net. Not only does this servicer assert that a perkins loan is not elligible for income based repayment plans ( with no explination ), it also can be paid with a credit card, which seems counterintuitive. Further, on a loan that does not show any compounded or accrued interest, I pay XXXX % of each payment to interest, on a 5 % interest loan with no explainitory documentation. For example, on {$160.00} of payments, I have reduced the total balance {$110.00}, with no documentation provided about where the other {$50.00} went, other than " interest, '' even though none of my bills list the interest amount accrued, or that interest is outstanding. For each {$40.00} payment, {$12.00} goes to " interest, '' despite no interest balance being listed anywhere on my total balance or monthly balance. Finally, there appears to be no way to pay online ( direct from banking account or otherwise ) without paying a service fee. I think the business practices of ECSI are questionable and need to be looked into.
Consumer complaint received 2016-08-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (NJ)

I have been trying for over 2 months now to remove a Collections Account which Experian says is mine. I have never lived at XXXX XXXX in XXXX, NJ. 
I have tried to call them and they refuse to remove it I have never lived there nor have I ever applied to rent an Apartment there. 
Please remove this item as I am trying to buy my first home, and I have never had any issues with the other credit reporting agencies, they have removed this item which XXXX is showing that I owe, which I do NOT, since I have NEVER lived there. They are also refusing to remove a false last names which I have NEVER used. I have NEVER used any other last name, except my own-XXXX. 
Thank You for your help in this matter. 

XXXX XXXX
Consumer complaint received 2016-08-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NC)

Failure to report credit experience correctly as per request of the creditor : On XXXX XXXX, XXXX, XXXX XXXX XXXX obtained a loan from the XXXX located at XXXX XXXX, XXXX, XXXX XXXX. I, XXXX XXXX, was included improperly as a co-signer although I had not I agreed as such. 
The XXXX violated several laws and consumer related regulations, such as, to name a few, the Truth in Lending Act, the Fair Credit Reporting and Equal Credit Opportunity Act. For the former the violation consisted of failure to properly notify the " cosigner '' and obtaining a signature using unfair and deceptive practices. 
The aforementioned resulted in litigation. On XXXX XXXX, XXXX, the parties reached a Settlement for all claims and counter claims. See attached XXXX XXXX ( Settlement Agreement ). Under the agreement the XXXX agreed to report the original credit as : " Paid as agreed ''. See Article 6 highlighted in yellow. The XXXX also agreed to remove derogatory information as indicated in Article 7. 
We have been in contact with the XXXX and they have indicated that they have reported the credit information as established in the agreement. We informed the XXXX that the information in the credit report is the same that was there before the agreement was signed. The XXXX indicated that they made the changes and that the failure to report the changes is the responsibility of the credit bureau. To this effect on XXXX XXXX, XXXX, they provided us with a letter indicating that the credit has been reported to the credit bureau in accordance with Article 6a and XXXX of the Settlement Agreement. See copy of the letter attached. 
We are hereby requesting that the credit bureau take immediate steps to correct their record and report the credit as Paid as Agreed as indicated in the settlement agreement and remove all derogatory information as indicated in Article 7 of the attached settlement agreement. 
Your cooperation in resolving this matter expeditiously is appreciated.
Consumer complaint received 2016-08-01
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

a credit card with Capital One, had an auto renewal fee, with no statement mailed to me, and added a late fee, over time, I had a reporting on my credit report that had negatively effected my credit rating. I have not used this card in years, if I ever used it. I do not recall getting their card in 2011. I am attaching a page from my credit report. Capital One has reversed the charge on my account, but my credit report is still showing a lower score due to this mistake on the report. Can you have it fully reversed?
Consumer complaint received 2016-08-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

In XXXX 2016, I closed my personal checking account with Chase Bank. I was told that my remaining balance would be mailed to my address. 60+ days later, I called customer service to see if Chase could issue me a new check since I figured the old check must have gotten lost in the mail. The representative informed me that there was nothing that they could do to cancel the previous check and reissue another one since they did not keep track of the original check number. When I asked why they did not record the check number, he told me that sometimes they do and sometimes they do n't. Unfortunately for me, they decided not to be so diligent in my situation. 

I then went to a nearby branch to see if someone could help me in person. At the branch I spent 20 min trying to get the manager to understand that I was still owed my remaining balance since I never received a check from the bank. He finally had me update my address and contact information and then he had me sign a notarized form. He then told me that I should have a new check sent to me within 2 weeks. 

4 weeks later, I still had not received a check. I went back to the same branch where I signed the notary and informed them that the check had not come. The manager checked my account and realized that there was an error in getting the check issued. I was at no point notified of the delay, nor did the man seem aware of the mistake until I went back to the office. After correcting the mistake, I was told that I should expect to receive the check 14 days from its issue, which was 2 days from XXXX XXXX. 

It is now XXXX XXXX and I still have not received a check containing my remaining balance. Every time I try to get an answer from someone, I am sent to somebody else. This process has been obscenely long, deceptive, and discouraging. Though I still have a savings account and credit card with Chase, I have very little incentive to continue using their products given this horrible experience.
Consumer complaint received 2016-08-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (CA)

We received a bill from " ERC '' ( the only identification on the bill, no other heading on the bill ) collecting on a bill from XXXX XXXX XXXX ( XXXX ). We have lived in the same house for over 30 years and have never had XXXX. The bill was for {$190.00} Called ERC, they referred me to XXXX. Quite clearly through the conversation with XXXX, this account was not associated with us, except that the first and last name of the delinquent consumer was the same as my husband. XXXX told me that I needed to file an identity theft report with the police and a notarized affidavit regarding not receiving services. In other words, a half day 's work. The entity that had stolen my husband 's identity in this scenario was ERC. 

While on hold, I googled the name and found an obituary for someone with the same first and last named in the correct city where the service was provided ( which the XXXX rep has disclosed ). 

ERCs apparent practice is to mail a bill to someone with the same name as the delinquent account in hopes that they will simply pay the bill. To me, this seems the same as " phishing '' using the USPS rather than the internet. It seems like fraud to me.
Consumer complaint received 2016-08-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (CA)

I am currently behind in my mortgage payments with Caliber Home Loans and need help. I have provided all documents they requested to be considered for a loan modification and they are telling me I am in review. They also said I have a foreclosure sale scheduled on XX/XX/2016 and there is no way to tell if it will be postponed. I am reaching out for any assistance you can provide in getting the sale date postponed. Your assistance is greatly appreciated, thank you.
Consumer complaint received 2016-08-02
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: ENCORE CAPITAL GROUP INC. (MO)

I had a man knocked on my door. My husband answered the door he asked if I was home. Then he tried to serve me with some papers told him to leave are property. He left papers on are pourch. We looked at them. It was a summons. So we went to court. It was a dept colecter trying collect debt. The bought it from XXXX. We told the XXXX did not owe the amount. That was said we owed. So the judge set a mother court date. We did not get any paperwork of next court date. So the collection agency got the judgement. I made arangments to make payment. The debt collector wanted a higher amount I could n't pay. My husband is XXXX and the dept collector tried to garnish his bank account with is his ssi check. They are breaking the law. And his name is not on the garnishment order. They talk to my husband about my debt which is also against the law.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AL)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2016-07-07
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: BBVA FINANCIAL CORPORATION (TX)

My income tax refund of {$3600.00} was wrongfully direct deposited to a compass bank account acct # ( XXXX ) on XXXX/XXXX/2016. i have opened a investigation with the XXXX Police Department to retrieve my refund but the bank 's corporate security supervisor XXXX XXXX XXXX says the bank can only return {$900.00}. The IRS has been notified and they will send out a letter notifying Compass Bank has to return the full amount but no word yet.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I am writing to express my deep concern regarding several disputed accounts on my credit report. I have repeatedly raised the issue of inaccuracies in these accounts and have consistently requested thorough investigations. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2016-08-01
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (OH)

I received a response from Citibank a couple of weeks ago ( Case number : XXXX ). I do not agree with the information in the response as it relates to the new card being activated. I have not activated that card and I left a voicemail for XXXX at Citibank that the card is not activated and will not be activated until I heard from Citibank. I want to know the date, time and how the card was activated. The only time I have been on the Citibank Website is to pay my bill so I am not late and this should not activate a card. I also have a concern for identity theft since during my initial call on XX/XX/XXXX that I have been told is not documented that I gave the person who I spoke to my full social security number. I also have a concern that 5 days after I rec 'd my new card in XXXX via XXXX that I also rec 'd a card in the mail with the same number - would this card have been activated if someone would have tried to use it? I do not have confidence in the security at Citibank for the Costco Visa.