davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (CA)

I have a lawful power of attorney through my son and XXXX, XXXX XXXX XXXX XXXX. The credit card company is refusing to allow my son to access my account and has insisted that I provide a power of attorney that it has approved. As an XXXX, my son has confirmed that the power of attorney is valid under the California Probate Code, Sections 4000 through 4545. It is unclear American Express has asserted that the power of attorney is not valid. A legal basis or explanation, showing what part of the Probate Code that the Power of Attorney does not comply with would be appropriate.
Consumer complaint received 2023-06-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Forster & Garbus LLP (NY)

These loans are 20 years old. Forster and Garbus provided the attached document when I put a complaint through last year regarding the loans I have. The document states they will not sue, but they have since taken a garnishment. This initial lawsuit back in XXXX was past the statue of limitations so that seems to be shady tactics also. In XXXX they called my in-laws multiple times ( XXXX XXXX ) stating it was an emergency and I needed to reach out to them. The bank we originally received the loan from had a table outside of the financial office at XXXX XXXX. This was a predatory way of making people get private loans. I was the first in my family to go to college, my Dad came with me to do my financial aid and was given an ultimatum by the bank at the college. He was told it was my only way of being able to go to college was to get these loans. All aspects of these loans from start to now is shady and dishonest.
Consumer complaint received 2018-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I applied for the Capital One Spark Miles Business credit card for my business purchases during the XXXX XXXX week. I received the card on Monday XX/XX/2018. I called to activate the card and uploaded my driver license as requested. I called again and was told they will hold my card several days before I can use it! I've never met any credit card company doing this. Capital One is crazy. I have provided everything they need. But they still won't allow me to use the card until after the shopping season?! I heard a lot of bad words about Capital One before. Now I learned it myself.
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PNC Bank N.A. (MI)

I noticed that my XXXX account no longer showed up in my accounts and visited my branch office of PNC. All they could tell me is that the account was closed due to inactivity. 
I contacted customer service to be told the same. I was not informed the XXXX line of credit was to be closed : I received no communication by letter or phone message. 
Closing my XXXX account without notifying me was problematic in itself even as all accounts in my name are active. Denying me another XXXX card after they closed my account added to it, but the recent letter of XXXX ( As you requested? ) Really? Is this a simple matter that the left hand does not know what the right hand is doing? 
Is this how they treat a veteran and a customer of almost 3 decades? 
pushed this over the edge and we have now taken it to the next level including numerous letters to corporate-no response. This prompted a complaint with the XXXX. On XXXX XXXX, XXXX XXXX informed me that the matter was given to her. From that point, I sent numerous emails requesting a solution to this issue. As of XXXX no response or solution. 
Furthermore, I filed an additional complaint with the XXXX no response from anyone. 

I simply requested one of two solutions-reinstate my XXXX line of credit, or inform me that you are not. 
I do not believe that my request is unreasonable. I have since applied for a credit card and was accepted by the first bank I applied to. 

Email copies available upon request.
Consumer complaint received 2024-12-02
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE (MA)

3 Accounts wrongfully claimed me as an account holder I contacted each XXXX XXXX XXXX attempt to have each one Closed XXXX XXXX XXXXBARCLAYS BANK XXXX XXXX  since these accounts have been defaulted contracts furthermore theres files have been created against my will and broke 18 U.S. Code 1028A Allowing my private information to be obtain without giving permission under this law I see to it that ALL information disclosed and reported whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

Report # XXXX Consumer Report ( XXXX )
Consumer complaint received 2023-06-13
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. (TX)

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. 

The letters are stated with items and issues. 

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 2024-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I went into Bank of America 's branch and deposited a check I received from XXXX. The check is legit, and XXXX is a reputable company. It is XXXX of the largest investment firms on the planet, with XXXX XXXX under management. 

I asked the teller at the time of deposit if there would be any holds. There shouldn't be since I have banked with them for 10 years. I was assured there would be no holds. I asked because I have another account I know wouldn't either. When I deposited the check in the amount of XXXX, the bank received it. An hour later, I received an email stating that because the bank believed the check was not from a reputable company, they had placed a hold on my check. The hold is for XXXX week. which is holding up almost XXXX that was desperately needed to cover bills. Under the Expedited Funds Availability Act, the first {$220.00} must be made available. The ban has refused to make any funds available, hindering my ability to live for an entire week. 

They are trying to claim the reputation of XXXX as an exemption to the act, but XXXX is one of the most reputable and popular investment firms worldwide. Bank of America is abusing the exemptions under the EFAA and refusing to comply with the law.
Consumer complaint received 2023-06-12
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: Experian Information Solutions Inc. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done XXXX XXXX  by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-12
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)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-09-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

I have a mortgage with Mr Cooper I sent all documents for flood insurance at time of purchase. Our HOA provides flood ins and we pay monthly. After the loan was a year old, i pay by billpay from XXXX XXXX and it is set every month. With out my knowledge Mr. Cooper bought flood insurance on this get this, a third floor unit. As soon as my payment hit on XXXX I was hit for a late payment because they raised my escrow to pay for insurance i did not need. It was XXXX before renewal was sent to me by them and i fiqured out what was going on. I saw what they did and called customer service. I presented to them the certificate of insurance from my HOA and they cancelled and because of the overcharge my balance is {$4600.00}. They only pay the taxes and not until XXXX is it due and is only {$1500.00}. Now they are still taking money every month for escrow, {$150.00} i believe and are refusing to return or apply the extra money collected in escrow. I asked for the money to be returned or applied to the principle. They refused and said they would reevaluate in XXXX. Holding my money without compensating me is wrong and i want it returned or applied to principle. 
Thank you for any help XXXX XXXX
Consumer complaint received 2023-06-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MA)

My tenant put her rent payment in my PayPal because she ran out of checks. PayPal flagged my account and said it was a potential fraudulent transaction. They put a limitation on my account, in the same day I gave them the information they wanted and the limitation was removed. However, PayPal, without my knowledge, still reversed the bank deposit and almost caused me to bounce my mortgage payment as a result of taking back the {$4000.00} deposit. For days, no one at PayPal even knew they did that, finally they admitted they did, could not explain why, and said it was take AT LEAST 10 days to get my money back. Who can wait around for 10 days for their rightful {$4000.00}. I think PayPal does this all the time on large transactions to use those 10 days to make money by investment, interest, etc. on that money. If they do that to even 1 % of their customers they likely make millions and millions of dollars participating in this shady and deceptive activity that is thinly guised as a fraud protection to the consumer. This is very problematic, and very dangerous.
Consumer complaint received 2023-06-13
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: EQUIFAX, INC. (IN)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.
Consumer complaint received 2023-06-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I had been a customer at Bank of America for approximately 15 years. In recent years, I had not accessed my account much. I have come to discover that my account was closed in XX/XX/XXXX. I was told that the bank began charging $ XXXX  monthly maintenance fees in XXXX. I attempted to access my account during that time, but was working abroad and had trouble when I needed customer support. At the time Bank of America began charging me fees, I had made no changes to my account. I don't know what happened that the bank started charging those fees ( after years of not charging them. ) Now that I am in the XXXX, I have been able to access customer service. I've been told that there is no one who can authorize returning those fees to me. I was also told that it might have been possible to recover the fees if the account was open, but they offer no way of reopening the account after they force-closed it.
Consumer complaint received 2018-11-20
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: Credit Karma (FL)

My credit karma account has been fraudulently accessed by identity thief. There is no way for me to restore my access to credit karma despite numerous attempts due to hacker changing profile. Credit Karma has no phone number. I have filed emails to customer service everyday for 20 days and the hacker is still in my account. This all has occurred during XX/XX/XXXX This is critical to my financial well being due to the fact that the hacker is seeing all my accounts, and has hacked into ALL MY ACCOUNTS over and over I have had to close several accounts and I have had to change my bank account 5 times in 20 days. I can no longer transact anything online. STILL the hacker finds my accounts because they are in my Credit Karma. Credit Karma should not be allowed to operate since there is NO PHONE NUMBER and they do not call back when you follow the correct channels. Hacker hacked that email I was using with Credit Karma so the hacker is probably receiving EVEN MORE INFORMATION by getting any responses by Credit Karma. It is vital Credit Karma is shut down since there is no way to contact them.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credence Resource Management, LLC (CA)

As I look at my report the open date on 2 account both from XXXX XXXX but are reporting two different balances under two different collection agencies. 

XXXX XXXX XXXX {$160.00} and Credence resource Mana {$290.00} These accounts also arent reporting to all 3 credit bureaus. Its been removed under a dispute but added back on XXXX and XXXX is only reporting XXXX XXXX XXXX. 

I would like these inaccurate accounts removed if I cant receive validation on these accounts are accurate.
Consumer complaint received 2023-06-12
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: EQUIFAX, INC. (GA)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX  XXXX XXXX Balance XXXX {$34000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX Balance : {$6500.00} ; XXXX XXXX XXXX Balance : {$8700.00} ; XXXX XX/XX/XXXX XXXX
Consumer complaint received 2019-03-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (FL)

Sent letter regarding a debt which I do not recognize. I sent letter back disputing the debt and used CFPB template requesting numerous questions to be answered by debt collection agency. Received response from a company with a different name and attaching summary of purported debt more than XXXX years old. This may be fraudulent as far as I'm concerned as I do not recognize this purported debt and furthermore they did not answer my queries.
Consumer complaint received 2023-06-12
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: EQUIFAX, INC. (GA)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00} ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-06-13
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: Receivables Management Corporation (VA)

In Accordance with the fair credit reporting act XXXX account # XXXX, has 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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (FL)

My account was flagged for bankruptcy mistakenly by my creditor and my account was frozen. I am a XXXX XXXX and rely heavily on XXXX advertising. XXXX pulled my adds once the bank in question placed my account, unlawfully, in bankruptcy. This resulted in a loss of revenue and sales for the duration of 7days until the dispute was settled and they returned my account to good status. As well, I suffered mental anguish and distress, taking off work from my regular job to correct this. Clearly, by their own admittance, they were at fault and I seek financial retribution.
Consumer complaint received 2023-06-13
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. (IL)

I am going through a very ugly divorce, my estranged husband joined a cult ( XXXX  XXXX XXXX ). He filed a bogus lawsuit against XXXX, XXXX, the VA, etc... .I took over making the mortgage payments in XXXX when I discovered that he was not making the payments. I reached out to XXXX and was working with their legal team to help me protect myself and the mortgage. I was advised to place a security pin on the account so that he could not call in under me when I filed for divorce in XXXX. In XXXX the XXXX Police Department XXXX team removed XXXX from the house when an order of XXXX was served against him. I have made every payment on time for the past few years since I took over the payments. I schedule my payments in advance due to my extensive travel schedule. I scheduled my XX/XX/XXXX payment in advance as I usually do, on XX/XX/XXXX, I received a call from XXXX XXXX stating that my payment was not made and I told her my payment was made back in XXXX. I looked on my bank account and did not see the money withdrawn. I went back on the website and the payment had been canceled. I immediately rescheduled the payment and spoke with another representative about what I could do to protect myself. I was advised that they could not stop him from accessing the loan account online because his name is on the loan. The part that hurt the most that XXXX would go months and months without reporting my positive payments but this one incident that I had no control over was reported immediately and it affected my credit score. I reached out to them and asked them to correct this as it was not my fault. I emailed them twice and called numerous times. I opened a dispute with the credit bureaus and nothing was done. I was told to schedule my payment the day I want it to come out, to keep him from canceling. I can't do that when i am overseas or traveling. I have tried refinancing but he would have to sign the documents. My attorney is back in court with a TPRO against my estranged husband as he has did this also with my bank account. I sent this over to XXXX XXXX. The mark on my credit report will hurt me with trying to refinance as my credit has been affected. This is unfair to me as I make my payments and there is no way to help me against this man and the malicious things he is doing. I am asking for XXXX XXXX to remove the 30 day mark against my credit.