davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One is insisting I have no claim of fraud, and so they are not refunding false charges made on my account -- they say because I gave my credit card number to the people making the false charge. I was victim of a scam, in which I I did give my credit card number to scammers because they were posing as XXXX XXXXXXXX. I reported to credit card company within two days, after learning from the real XXXX XXXX that they had no such transaction with me in their records. Capital One put a refund into my account while they " investigated. '' But today that refund was reversed in my account and the investigation closed. I've been on the phone with several departments at Capital One today, for several hours, and all insist they can do nothing because I gave my number to the scammers. The fake charges on my account showed up as from " XXXX  XXXX '' but the identifying info with it is easily determined to be fake -- the money did not go to XXXX  XXXX. Capital One 's " investigation '' consisted of contacting the scammers and asking them if I had made this charge with them. Scammers said yes I had, and sent falsified documents purportedly showing the itinerary I purchased. Those documents were also easily identified as fakes ( putting the included phone number into XXXX links to XXXX XXXX website and definitely not XXXX  XXXX ). Capital One accepted these documents and closed my case, and that's when the $ XXXX showed back up in my account as me still owing it to the credit card company. ( Not to mention Capital One accepted a fake charge in the first place -- a fake name attached to identifying info not related to the identifying info of the real XXXX XXXX! )
Consumer complaint received 2019-05-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (IL)

On XX/XX/19 I applied on-line for quicken loan FHA Refinance. As today we still do NOT have a closing date scheduled. 

They have been saying that for the last 60 days that we close in 3 to 5 business days. But quicken never sets a closing date!!! 

I have spent more {$17000.00} on repairs, fees, and pay downs and I have No new loan????
Consumer complaint received 2022-08-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have multiple savings accounts with Bank of America, and a checking account with overdraft protection. When I opened the savings account, Bank of America gave me checks to draw off of that account, and a term of the contract was that I could write checks off the account. 

Last week I used one of those BOA checks to draw {$100.00} from the account as a gift. Despite there being more than enough funds in the account, BOA denied the check, causing harm to me and to the recipient in humiliation and still to be determined fees. 

When I called the bank about this, they said that last year they determined to no longer accept checks off savings accounts. This was a material term of the original contract, and as stated before, the bank even gave me the checks. Apparently BOA says the communicated notice by mail and email, but of course, I get several emails weekly, even daily, for promotional offers from BOA. Most of this is spam. Any notice of a change of this magnitude was insufficient, given the potential harm to a consumer for a returned check. I am confident that others are similarly situated and I want the CFPB to investigate whether notice was sufficient in light of the spam mail BOA sends out continuously, and how many other consumers have been negative affected.
Consumer complaint received 2022-08-11
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX Accounts the below accounts have violated my rights. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have 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. 

I would like these accounts removed. 

Thank you for your time, XXXX XXXX
Consumer complaint received 2023-12-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Stellantis Financial Services US Corp. (MI)

In XX/XX/XXXX I refinanced my XXXX XXXX XXXX. The original loan was through Stellantis Financial and it was refinanced through XXXX XXXX. On XXXX via priority USPS mail I sent a XXXX XXXX XXXX to Stellantis in the pay off amount of {$28000.00}. Per USPS tracking this was received by Stellantis in their XXXX, TX address on XXXX. ( see attachments ) This check was cashed by Stellantis and the funds were paid out on XXXX. ( see attachments ) However, Stellantis continues to send me late payments notices, late fee notices, and now a letter threatening vehicle repossession citing they have not received payment. I have contacted Stellantis via phone XXXX times. On XXXX I spoke with a manager, XXXX XXXX, and emailed her a copy of the cleared check which XXXX XXXX had provided me in an attempt to help remedy this. XXXX XXXX confirmed receipt, said she would look into it and I would be contacted in XXXX  business days. ( see attachments ) Stellatis never contacted me except via an automated text to alert me my payment was due. On XXXX XXXX, a XXXX XXXX representative, contacted Stellantis with me on the line via a XXXX call to further certify they had paid out these funds to Stellantis and to obtain proof of ownership or vehicle title reflecting XXXX XXXX  as the first lien holder per the refinancing agreement. Over a XXXX XXXX XXXX XXXX XXXX time span, the XXXX XXXX Representative and I were transferred to XXXX different people with no one providing any remedy. Again the cleared check was requested and emailed to XXXX XXXX who confirmed receipt. The only explanation given was that the check was cashed but not processed because they ( Stellantis ) are having problems on their end with their payment processing and their payment processing team is behind with " a long queue '' of payments. I was told I needed to be patient as " first come, first served. '' Supposedly there have been XXXX payment researches opened on my behalf. Meanwhile I continue to receive calls, texts, and letters about missed payments and late fees. On XXXX I received a letter from Stellantis threatening repossession if they do not receive their funds by XXXX. ( see attachments ) They have received these funds and cashed them via the company 's XXXX XXXX account. I can provide this account number as it is indicated on the back of the cleared check ( see attachments ). The back of this cleared check also indicates the po box the check was sent to, the same address I sent payment to on XXXX via USPS certified mail as stated previously ( see attachments ). I am also prepared to furnish any phone records to show how many times I've attempted to contact Stellantis in regards to this matter.
Consumer complaint received 2023-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (AL)

I called National Credit Associates in XXXX of XXXX  and asked them to verify the {$5000.00} they say I owe them. I was told someone would get back to me to verify my concerns and that the debt was now considered in a " Dispute '' status. No one has contacted me to date and their false information remains present on my credit reports. 
I filed a dispute through XXXX XXXX and through XXXX. XXXX XXXX supported the claim made NCA and allowed them to remain. XXXX XXXX makes money by collections staying on consumers ' reports, so why would they assist me with this fraudulent claim? 
Currently, NCA is committing fraud by trying to collect on a discharged debt by XXXX XXXX. Currently, for the state of California, where the Debt originated, was XXXX of XXXX. " The statute for debt collectors, is 6 years to file a judgment for an unsealed written contract. '' The statute of limitations for Alabama, where I currently live is 4 years to collect an unsealed debt. Either way, NCA is trying to collect on an expired debt, they don't possess the original contract, they are violating my consumer rights by being present on my credit reports. 
According to : 15 USC 1692 b 18 USC 1038 15 USC 6802 16 CFR 433.2 12 CFR 1016.7 I am exercising my consumer rights to OPT OUT from Any More reporting from this company
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DE)

Fraudulent information reporting to my credit report. FTC submitted requesting validation verification, & removal to the companies following investigation. Accounts were not validated nor verified. According to the FDCPA & FCRA everything reporting to my credit file must be 100 percent accurate across all reports. Inquires connected to the accounts were removed however not accounts.
Consumer complaint received 2023-12-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group (MI)

Subject : Notice of Default and Opportunity to XXXX  REF : XXXX Dear XXXX & CKS Prime Investments, I am writing to notify you that your actions in connection with the alleged debt have led to a default on your part. This letter serves as a Notice of Default and provides you with an opportunity to cure the identified breaches in accordance with applicable laws.

**1. Default in Arbitration Agreement ( Federal Arbitration Act ) : ** - **Remedy : ** Cease all collection efforts immediately and proceed to arbitration. - **Legal Reference : ** Federal Arbitration Act ( 9 U.S.C . 1 et seq. ) **2. Violation of Privacy Laws and Unauthorized Reporting ( 15 USC 6801-6808, 15 USC 6802 ) : ** - **Remedy : ** Cease any unauthorized reporting and rectify the violation of privacy laws. - **Legal Reference : ** 15 USC 6801-6808, 15 USC 6802 **3 . Fair Credit Reporting Act ( FCRA ) Violation ( 15 USC 1681 ) : ** - **Remedy : ** Ensure accurate reporting and validate the debt appropriately. - **Legal Reference : ** 15 USC 1681 **4. Forgery Allegations ( Fair Debt Collections Act - 15 USC 1692e ) : ** - **Remedy : ** Provide the original expressed written consent to be a debtor/consumer or cease collection efforts. - **Legal Reference : ** 15 USC 1692e **5. Responsibilities of Furnishers Violation ( 15 U.S. Code 1681s2 ) : ** - **Remedy : ** Comply with responsibilities as furnishers of information. - **Legal Reference : ** 15 U.S. Code 1681s2 Failure to cure these defaults 21 days from the date of this letter will leave me with no option but to pursue legal action to enforce my rights and seek remedies under the applicable laws. I will seek damages, injunctive relief, and any other remedies available under federal law.
Consumer complaint received 2023-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (TN)

The US bank deside to close my account after i made a withdraw from my XXXX  account to bank account ( XXXX ). 
First when i link my bank account with XXXX has been over XXXX months when XXXX send me XXXX small deposit by the time the bank never decide to close or hold the money. My XXXX account has been link with my XXXX Name XXXX XXXX  That means ( XXXX XXXX ) When people has a bussiness account its possible to have any nick name, thats meam if i transfer fund to my bank its coming showing that nick name, but is the bank do not understand that is not my Problem!!!!!! 

Almost XXXX moths with this issue, and the bank keep my money, i went to the branch and i spoke with the manager to XXXX ( XXXX ) She said the fraud deparment do not want release the funds. 

I told her XXXX time, if the bank do not want gave me my money, just return my XXXX money to XXXX  and i will be able to transfer the fund to my other bank. 

So, i just want us bank refund my money or give me my money without more issue, im tired about this situation. or im going to issue the bank for by thieves.
Consumer complaint received 2023-12-28
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. (GA)

I have attempted several times to get this company to comply with ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; They are refusing to lawfully comply which is also a violation of The Privacy Act of 1974, as amended, 5 U.S.C. 552a, which establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual.

The Privacy Act requires that agencies give the public notice of their systems of records by publication in the Federal Register. Click here to see a list of DOJ systems of records and their Federal Register citations. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records and sets forth various agency record-keeping requirements. 
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.16 CFR 313.7 - Form of opt-out notice to consumers ; opt-out methods. ( f ) Continuing right to opt-out. A consumer may exercise the right to opt-out at any time. They are also in violation of my copyrighted name and are now committing identity theft by me opting out and not having my express written consent and authourization.
Consumer complaint received 2023-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I REQUESTED MY CONSUMER REPORT AND SAW THAT THERE WAS INACCURATE INFORMATION being reported that I as the consumer not notified about before reporting. On XX/XX/2023 I sent out a debt validation letter to XXXX XXXX XXXX the debt collection agency, and have not gotten a response since. I reached out to the credit reporting agencies after 30 days, requesting proof of the account, the method used, and certified receipts just proof as to why the inaccurate account was still reporting, I was told by the credit reporting agencies that the furnisher validated the account and its final as if I the consumer have no legal rights to my consumer file. The consumer agencies are ABOVE LAW by not following the law. All this back and forth without a solution has caused me XXXX XXXX XXXX and financial stress.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review.

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Upon reviewing my credit report, I noticed an unauthorized account from XXXX XXXX and charges on said account. I notified them this account was created without my consent. I also filed a fraud report, showing this theft had been reported. They continued to publish inaccurate information on my credit profile, with all three credit reporting agencies after giving them documentation. They closed the account and left it on my credit report. It was never my account and needs to be removed as it is affecting my overall ability to obtain credit.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (TX)

BB & T ( better known as Truist ) No agency shall disclose any records, which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written consent of the individual, to whom the record pertain to. ( Privacy Act 1974 ). Obligation policy states it is the policy of the Congress, that each financial institutions have affirmative and continuing obligation to respect the privacy of customers and protect the security and confidentiality of those customers non-public personal information ( FCRA, 15 U.S.C. 6801 ). Canceled debts states that a charge off is considered a certificate of indebtedness which means it is income that can not be reported to consumer reports ( IRS Publications 4681 ). Any person who willfully fails to comply with any requirement imposed with respect to any consumer, is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure of damages of not less than {$100.00} and not more than {$1000.00} ( FCRA, 15 U.S.C. 1681 ( n ) ( a ) ( 1a ) ). A non-afflicted third-party that receives from a financial institution shall not directly or through an affiliate of such receiving third-party, disclose such information to any other person that is a non-affiliate third-party, unless such disclosure would be lawful if made directly to such other person by the financial institution ( FCRA, 15 U.S.C. 6802 ( c ) ).
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (ND)

on reviewing my reports, there are still incorrect information found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XX/XX/XXXX and XX/XX/XXXX was XXXX,, but no response was ever received from them today date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports that need to be corrected and removed in my file immediately : Account # XXXX XXXX XXXX XXXX, Balance Owed : { {$460.00} }
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute certain information on my credit report that I believe to be the result of identity theft. I want to clarify that this letter and the accompanying supporting documents are genuinely from me, and I affirm the authenticity of the documents enclosed. I am aware of the seriousness of the matter and the importance of providing accurate information when disputing items on my credit report. Therefore, I want to confirm my identity and the legitimacy of the documents I am submitting for your review. 
Furthermore, I dispute the following accounts on my credit report, which I believe are the result of identity theft : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX