davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This new complaint Is inconjunction with the original complaint ID number XXXX - XXXX. Original complaint Found against capital one bank For freezing my account back in XXXX of XXXX  for suspicion of fraud. Since the original complaint was filed capital one has since then close my account and mailed me check In the amount of {$2.00} Which happened to be the interest earned on {$34000.00} For that month. Now 2 days prior To my account being closed I noticed after logging in to my account for capital one That there was a wire transfer in the amount of XXXX Which XXXX  my account out That day. So I called capital one and spoke to someone and Was told that my account was being closed But they can not tell me where the money was transferred to. So I decided to wait to see what happened from there Now 2 days later I see when I logged back into my capital one account That there is now {$2.00} In the account. Now XXXX this was a little weird to me And that money was the interest earned On the XXXX For that month. To me this sounds very odd and 2 days later I see that account was closed and he checked mailed at my request And I do have screenshots To prove all of this and today I received the check in the mail from capital one for {$2.00}. Where did the rest of my money go?
Consumer complaint received 2023-02-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I was scammed by an individual claiming to be with XXXX, saying that my account had been hacked and charged {$430.00}. When speaking with this individual and screen sharing with them, they authorized {$590.00} from my account and sent themselves the money through XXXX through my Capital One account. When opening the dispute directly with Capital One, they denied my claim, saying there was no proof of me not authorizing the purchase. Even though I had never authorized this big of a XXXX transaction in the history of having my account open, they claim no evidence of fraud, therefore I am out {$590.00} that I desperately need.
Consumer complaint received 2023-02-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2019-11-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc. (CA)

On XX/XX/XXXX CMRE Financial Services contacted me by letter about a medical bill. I wrote back that it was disputed because the amount was seriously in error, due to a long series of mistakes by the health insurance company. I wrote CMRE five times between XX/XX/XXXX and XXXX, giving each time the best information from the health insurance company, each time offering to negotiate a settlement based upon the best current information, but they have not answered any of those letters. 

My letter of XXXX gave an amount owed which seems to have corrected the large errors that had persisted, so that the account could finally be settled, and I informed CMRE that if they would send a letter stating that if the indicated amount was paid immediately, and they agree to delete any information they may have posted with the credit bureaus, I will immediately send payment.

I have gone to great lengths to get the correct amount resolved, including a grievance with the health insurance company and a complaint to the California State Department of Insurance, however CMRE has not responded.

In my letter to CMRE on XX/XX/XXXX, I said if they will send me the requested acknowledgment letter to close out the account the matter will be resolved, but they have not responded.
Consumer complaint received 2023-02-10
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

When I started comparing my XXXX ( Old Age Security ) to my husband 's I noticed that starting in XX/XX/XXXX my amount was less by anywhere from {$30.00} to {$47.00} each month. I phone XXXX Pension ( XXXX ) and explained that although are XXXX ( XXXX ) Gross Income of {$6400.00} ( box XXXX ) we were getting different amounts. I was told to call my local bank as it was their problem. I called my XXXX XXXX  XXXX XXXX ( XXXX and spoke with both XXXX and when I called back XXXX, they both gave me the same answer that the money comes in from the Bank of America into their back office and then deposited into our accounts. Called back XXXX Pension spoke with XXXX and was told that we were getting equal amounts and suggested that it maybe the rate of exchange. I told him that that would only vary {$0.00} to {$0.00} but not {$30.00}. He told me he couldn't do anything and I needed to call the Currency Explanation & Correction department (! XXXX ) spoke with XXXX and he told me to call ( XXXX ) who in turn told me to call XXXX Pension. Again called and spoke to XXXX and was told the same thing so I asked to speak to a supervisor and was told that the person would get back to me within 2 hours. This was at XXXX XX/XX/XXXX, it is now XXXX XX/XX/XXXX and still no call. I called the XXXX ( XXXX ) and was directed to call my local police station in my country of origin. Called the Sheriffs department ( XXXX ) and was told to call the Federal Banking & Trade commission ( XXXX ) and was the directed to Federal Trade Commission ( XXXX ) spoke with XXXX and he explained the process and directed me to Consumerfinance.gov and here I am
Consumer complaint received 2023-12-31
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. (TX)

I reviewed my consumer reports and I noticed a late payment on the account that was incorrectly documented because I was never late. The consumer reporting agencieshave assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on the account that I have included screenshots to this complaint for XX/XX/23. Please investigate and provide proof with statements showing this payment as late. If unable to provide proof, I demand this payment information be Immediately updated to paid as agreed on time, as they should due to the fact that I was never late. Thank you, see screenshots attached.
Consumer complaint received 2022-10-04
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. (SC)

In accordance with the Fair Credit Reporting act Department of Education/XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX XXXX Acct # they could not provide XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX and XXXX XXXX XXXX XXXXXXXX XXXX Acct XXXX XXXX XXXX has violated my rights. 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 an account without my written instructions
Consumer complaint received 2023-02-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (FL)

XX/XX/XXXX Ally went to the extreme and took money out of a former customer account with Ally who is a relative of mine that lives in the same residence Relative only has the same address that was on file but every other information is separate to my account They took XXXX and put it towards my account because my payments were past due to a situation with the insurance and dealership claim I had because the hurricane damaged the XXXXXXXX XXXX I have leased with Ally My relative noticed her money was missing because she received a notice Now due to their actions she was able to get the money back and she ended up refinancing with a different bank Now in my situation I haven not had my vehicle since XXXX due to the damages and all I have contacted Ally plenty of times giving them notes on why have not been able to make a payment but yet every single time I speak to someone they say there are no notes I received a letter on XX/XX/XXXX from Ally stating they have my vehicle and to pay the full amount to get it back but also on the letter it also states or get it back for less just to contact them for the payment options as soon as I call they tell me otherwise and I am trying to speak to them on my concerns and they hang up This bank is so quick to ask and take money from others but can not help out like how they supposebly say in writing.
Consumer complaint received 2022-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Basically I put a fraud statement on my reports but XXXX obviously extended credit to someone and opened an account for them. I have repeatedly disputed it with the credit reporting agencies but they keep removing the account then turn around trying to say the account was verified. With no proof of anything actually given to me. They say they investigated but don't tell me how it was verified or acknowledge my fraud alert. Keeping my credit score low.
Consumer complaint received 2023-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

In accordance with the fair credit reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

ACCOUNT NAME ; NAVY FCU ACCOUNT # XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC1681 section 604 A Section 2 ; it also states a consumer reporting agency can not furnish an 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 USC 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. 

Furthermore, the interest rate on the loan was never signed for nor did I the Original Consumer ever sign for a or do I consent to do business with the. I request that this account for this loan is removed immediately and will be seeking remedy for under 15 USC 1692c for injuries!
Consumer complaint received 2023-02-10
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (FL)

I received a corrected 1099r from Truist for my annual Ira Distribution. The following day I returned to Truist in XXXX, Florida to find out if the distribution was transferred into my Truist checking account. The Bank Officer could not locate where my distribution was transferred and ask that I leave my phone number and he would get back with me. To date I have not received a call back from Truist. Please help me to locate my money. 
Respectfully XXXX XXXX
Consumer complaint received 2019-11-14
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: U.S. BANCORP (OR)

Dear Consumer Financial Protection Bureau : My name is XXXX XXXX XXXX XXXX. I have U.S Bank checking account # XXXX. I want to complain U.S Bank branch locate at XXXX XXXX XXXX XXXX, XXXX, Oregon XXXX U.S.A acted fraudulent when it sold money order without cash in it for me on XX/XX/2019. On XX/XX/2019 I went to U.S Bank branch locate at the address XXXX XXXX XXXX XXXX, XXXX, Oregon XXXX to deposit {$9100.00} to purchase 10 personal money order checks in the amount of {$9000.00} that means each of money order has the money amount {$900.00}. US Bank took my monies in the amount of {$9000.00} but the big problem was when I deposited two money orders into my checking account at XXXX XXXX, the XXXX XXXX  loss prevent named XXXX said to me via phone on XX/XX/2019 that one of money order check # XXXX issued by US Bank on XX/XX/2019 at US Bank branch XXXX XXXX XXXX XXXX, XXXX, Oregon XXXX had been returned to XXXX XXXX  without payment with reason stop payment. Therefore, I am able to state that US Bank acted fraudulent when it sold the money order checks for me without cash in it. Because this is serious fraudulent activity of US Bank to steal money in the amount {$900.00} from me, I request Consumer Financial Protection Bureau investigate and return the money {$900.00} back into my checking account at US Bank. I tried to contact US Bank customer Service and this US Branch but there was no response or resolve this big problem instead just hung up the phone or disconnect my call. 

If you have any question, please contact me via email at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Cell : XXXX Email : XXXX XXXX
Consumer complaint received 2023-02-19
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. (GA)

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. 
XXXXXXXX XXXX XXXX  : ACCOUNT NUMBER.XXXX, XXXXXXXX XXXX XXXX : ACCOUNT NUMBERXXXX, XXXXXXXX XXXX : ACCOUNT NUMBER. XXXX, XXXX XXXX BANKRUPTCY DISMISSED, 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. SECTION ( 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 SHILL NOT FURNIST 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 2023-02-20
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. (TX)

I am submitting this Complaint regarding the fraudulent accounts and information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report that I need you removed as soon as possible ; XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$4900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} 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 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 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 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 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 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 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 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 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 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 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 XXXX XXXX. I have read that under the Fair Credit Reporting Act section 605b, you are required to remove any accounts and information you report on my Credit File, so please comply with the Federal Law and have the disputed items removed as soon as possible.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION (IN)

The letter tells the debt collector to stop contacting me unless they can show evidence that I am responsible for this debt. Stopping contact does not cancel the debt. So, if a debt collector still believes I am really responsible for the debt, they could still take other action. For example you still might be sued or have the status of the debt reported to a credit bureau.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, 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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-02-13
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: Reliable Credit Association, Inc. (WA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX bought charged off account from Reliable credit Associates ( third party creditor ) who was assigned my contact from XXXX XXXX XXXX XXXX who sold a used car from their lot and vechile service contracts and GAP insurance to myself on XX/XX/XXXX. I gave a required down payment and a car for trade-in and was told that the insurance add one were required.

Reliable credit Associates bought our contract knowing that we had a prior car repo and deficient balance still owed to them and did so to be predatory I'm their business practices. 
XX/XX/XXXX the high mileage truck broke down and husband 's job at a hospital in his new career was priority. Of course the fixes were not covered under contract add ons and reliable credit refused any viable solutions. So, we voluntarily gave back this broken down truck that did not run XX/XX/XXXX. 13 months into a 48 month installment contract agreement. XX/XX/XXXX Reliable credit associates bought the car back in the auction and then charged off debt XX/XX/XXXX. 
This collection agency was in court by XX/XX/XXXX and never validated this debt to this day XXXX. Proper validation notice was to be given before reporting anything on all three credit bureaus. XXXX not knowing who the judgement was from disputed this debt and it was deleted. 
This company had no right to sue in court and won by default. Using illegal and deceptive business practices. 
Then continues after winning by default come to find out had not right to sue and no right to report such alleged debt. The damages done to our family over these year 's are more then I can explain or bare. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who is a Debt collector has NOT followed the rules about how to contact ME, they can NOT report MY debt to a credit reporting company, IF RULES HAD BEEN FOLLOWED PROPERLY AND Followed ALL OTHER LAWS then they would of had the right to report this illegal judgement on my credit reports. 
Prove you own this debt, that I owe the debt and that you had the right to sue me?? 
Prove that reliable credit associates even owned this debt and what is owed before they sold it to you??