davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (IL)

HARRIS BANK WAS ONE WEEK LATE with STARTING the PPP PROGRAM. On top of it, the first day they DID open they did not have ANY APPLICATION to apply for online like other lenders. 

They said fill in your informatiion and someone will contact you in 48 hours. NO ONE ever contacted me. And now the program is closed. They have virtually eliminated a chance for my business to survive since my business account is there. 

They are inept. How dare they start a week later, and only send you a canned email SOMEONE WILL CALL YOU BACK in 48 hours, and now the program is cancelled due to lack of funds. 

This is the worst bank in the world. INEPT INEPT INEPT. They have excuse for their unreadiness.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Completed the form and never got a text and tried repeated times to get my credit report which is my right under Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. Under the FCRA, consumers are entitled to : XXXX free credit report per year from each of the XXXX major credit reporting agencies ( XXXX, XXXX, and TransUnion ) through AnnualCreditReport.com. 
Additional free reports under specific conditions, such as if a consumer has been denied credit, is unemployed and plans to look for work within XXXX  days, or is a victim of identity theft. 
Consumer Rights and Remedies under the FCRA If a credit bureau willfully fails to provide a consumer with access to their credit report, the FCRA allows consumers to pursue legal remedies. Specifically : Actual Damages : Consumers can recover the actual damages they suffered due to the bureau 's actions ( e.g., if they were denied credit, housing, or employment because they couldnt review or correct errors in their report ). 

Punitive Damages : The FCRA allows courts to impose punitive damages against the credit bureau for willful violations of the law. While theres no specific cap set by the FCRA on punitive damages, courts consider the severity and impact of the bureaus conduct in determining the amount, which can sometimes be substantial. 

Statutory Damages : In the case of willful noncompliance, consumers may receive statutory damages between {$100.00} and {$1000.00} per violation, even if they cant prove specific monetary harm. 

Attorneys Fees and Costs : If the consumer prevails in a lawsuit under the FCRA, they may also recover reasonable attorneys fees and costs. 

In situations where credit bureaus violate these provisions, the courts determine punitive damages based on the level of willfulness, harm caused, and any pattern of neglecting consumer rights. 


Fill out a form XXXX XXXX. Pick the reports you want. XXXX the reports you want XXXX XXXX Review your reports online. 
XXXX XXXX your reports online Get your next report or finish Have questions? 
Contact us XXXX icon Check your text messages Use the confirmation link sent to your phone ending in XXXX.
Consumer complaint received 2020-04-16
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 (CA)

( Related to XXXX with CapitalOne ) CapitalOne yet again changes course on coming up with creative ways to refuse the use of card. 
Now it will ( 1 ) disable the card from being reissued via app/website but only via representative, ( 2 ) replace the card without sending/mailing the card, ( 3 ) refuse to answer calls or disconnect. 

COMPLAINTNAT does understand that call centers can be busy, however, strange patterns are seen where call wait times vary strangely as well as calls are dropped frequnetly.
Consumer complaint received 2020-04-16
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX  continues to lag behind in reporting updated and/or accurate information regarding my auto loan. Currently, the balance is listed as {$17000.00}, nearly {$7000.00} more than the actual balance. This lag is artificially lowering my credit score.
Consumer complaint received 2019-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (OH)

I am presently in Debt Relief and have contracted XXXX XXXX XXXX to assist me in settling my debt. They are doing a good job and are not the problem. On XX/XX/2018, they settled my account with XXXX XXXX XXXX. On XX/XX/ 2018 they settled with XXXX XXXX XXXX XXXX XXXX. At some point after they settled the accounts were sold to LVNV Funding LLC. LVNV assumed the settlement agreement and they are accepting payments as agreed upon in the settlement agreements. For some inexplicable reason however LVNV Funding is reporting these accounts as in collection, which they are clearly NOT. They are also reporting the collections for the entire amount that was owed prior to settlement. I have no idea why they are doing this. Title 16, Part 660 Duties of Furnishers of Information to Consumer Reporting Agencies, Appendix A ( I ) ( b ) ( 1 ) states that information furnished regarding relationships with a consumer must be accurate, reflect the consumers terms of and liability of or other relationships and reflect those accounts accurately and reflect the consumers performance with respect to the account. The furnisher must reflect the integrity of the account, which includes but is not limited to update the current status of the consumers account and any attempt of the consumer to cure the account. They are clearly violating the Fair Credit Reporting Act by not reflecting my information correctly. This inaccurate reporting not only puts my credit file further in jeopardy but is double jeopardy because the original credit reporting it negative as well. This is unfair and stymies my ability to rebuild my credit file.
Consumer complaint received 2019-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (IN)

I received a notice dated XX/XX/XXXX to please provide insurance information for my condo/house. The notice claims that their records show that my homeowner 's hazard insurance expired, and they do not have evidence that I have obtained new coverage. I submitted my Certificate of Property Insurance on XX/XX/XXXX to https : //www.rpmservicing.com/insurance/ as directed by the notice, after I received it from my HOA. This insurance policy EFF is XX/XX/XXXX to XX/XX/XXXX. I have additional XXXX condominium unit owners insurance on record that is effective from XX/XX/XXXX to XX/XX/XXXX that the mortgage company required I purchase. I received a 2nd notice dated XX/XX/XXXX with a second and final notice to provide insurance information. This notice says the insurance that the mortgage will buy will cost an estimated {$31000.00} annually, which is about 1/3 the principle I own on the mortgage. I called XXXX to confirm they have received my insurance information and to ask for a confirmation letter/email be sent that I will not be charged for {$31000.00} annually for homeowner 's insurance which I already own. They did not process my certificate of liability insurance and would not provide an email, letter, or case number for confirmation that the mortgage company has received the evidence and that they could not buy additional insurance on my behalf for {$31000.00} annually.
Consumer complaint received 2019-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Re Acct # XXXX {$930.00} On XX/XX/XXXX and XX/XX/XXXX I wrote and sent certified letters to PORTFOLIO RECOV ASSOC regarding Acct # XXXX. ( See Attached letters ). There are also 3 other accounts I sent letters so that PORTFOLIO RECOV ASSOC could validate the debt they claim I owe. All letters were sent certified on the same days, which were XX/XX/XXXX and XX/XX/XXXX. I am sending a copy of those letters. The debt hasnt been validated. 
Acct # XXXX {$3700.00} ( Case Was Dismissed, attaching court dismissal paperwork ) Superior Court XXXX, CA Case number XXXX Acct # XXXX {$930.00} They have failed to satisfy my request and validate the debt they claim I owe them. This is drastically affecting my family ; my home and credit and I need help taking care of these matters. 
Thank you in advance XXXX XXXX
Consumer complaint received 2019-03-07
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (NY)

Called my brother on XX/XX/XXXX. They keep contacting my family members about a debt that has been paid off more than 8 years ago. 
My sister was contacted in XXXX and I clearly told them to stop contacting my family members about a supposed debt totaling {$14000.00}.
Consumer complaint received 2019-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

In late XX/XX/2018 I was notified by Capital One of unlikely charges on my VISA card XXXX. I checked online. Replied immediately that eight were NOT mine, but were for activity on the east coast while I live in Oregon. 
XX/XX/2018 Cap 1 sent a letter saying " you won't be liable for any unauthorized charges. '' A XX/XX/2018 Cap 1 letter said " We're happy to tell you that your fraud investigation with Capital One is now resolved .... As part of our {$0.00} fraud liability promise, you were not held responsible for any fraudulent charges. '' BUT XX/XX/XXXX Cap 1 wrote that XXXX XXXX did an investigation that found no fraud for two flights on XXXX XXXX, going DC-XXXX-XXXX, for {$50.00} and {$620.00}, so I should pay. 
I sent a letter of protest to both persons in the Cap 1 fraud squad, pointing out that 1 ) I had the card always in my possession, even used it in XXXX XXXX OR the same day as one fraudulent charge was rung up on the east coast. 
2 ) Never told anybody else the card number. 
3 ) The only other person with the same name as mine I know is my son in XXXX. 
They did not take the trouble to answer me, only let the billing go ahead. 
I wrote in protest to the Cap 1 CEO. An aide sent me the same listing of charges deemed fraud and the two flights deemed not fraud, i.e., that I was to be responsible for east coast flights charged to that card despite the fact that I was always in XXXX XXXX OR. Cap 1 said " our research confirmed that the actions taken on your fraud investigation were correct. '' Whatever their " investigation '', it did not include even contacting me! 
Consequently, I do not want to pay for a spree done by someone unknown to me and 3,000 miles from where I am.
Consumer complaint received 2019-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I received an email notification from Capital One of an email update I never made because my access to the account is STILL blocked from my use. 

I file a complaint this afternoon with this Bureau, CFPB and, approximately 2 hours later, I receive this notification which is harassment as I have absolutely no access or have accessed the account since before XX/XX/XXXX, when I discovered Capital One and one or more operatives conspired to block my access to the account. RICO. 

Duly noted on the record, and for the record, retaliation, intimidation, electronic stalking, both civilian and federal, under XXXX of law, authority and title violations to add to the potential forthcoming document claim for the court of record it appears.
Consumer complaint received 2019-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on an account with the XXXX - partial account numbers XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2019-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian XXXX response XXXX XX/XX/XXXX copy from XXXX XXXX XXXX  copy attach as proof. Payments was paid paid in advance 2 months from purchase of car in which Experian did not record and Experian was late recording the payments as they was prepaid in months in advance. Experian Report # XXXX for XX/XX/XXXX shows payments on page 7 of XXXX XXXX XXXX not showing as paid as the letter dated by XXXX XXXX XXXX  XX/XX/XXXX as showing pay ahead. Experian needs to learn not blame it on the creditor as fault blame Experian for incorrect information showing that was there error in which was not reported correct and effected my credit score.
Consumer complaint received 2024-10-29
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. (CA)

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct this account : XXXX XXXX XXXX XXXX : {$20000.00}
Consumer complaint received 2019-02-11
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CO)

On XX/XX/XXXX I went to where I bank locally to open an Health Savings Account. I wanted to move my HSA account from " XXXX XXXX '' ( a division of Webster Bank, N.A., located in XXXX, Wisconsin ), because local banking is more convenient for me and their customer service is great.

A financial customer service officer at my local bank opened an HSA account for me and also prepared and submitted online all the necessary documents to transfer my account from XXXX XXXX on XX/XX/XXXX. Also, to ensure the process of transferring my account from XXXX XXXX was underway, the local bank financial officer and I called XXXX XXXX to confirm they had received my request. XXXX XXXX confirmed that they had, then immediately expressed strong opposition to moving my money, wanting to know why and trying to convince me I should stay with them. I let XXXX XXXX know that I was not going to stay with them, period. XXXX seemed to begrudgingly " accept '' hat I wanted to move my money. When I asked how long it would take to transfer my account they stated it would be finalized within 6-8 weeks from the date of receipt ( XX/XX/XXXX ). 

XX/XX/XXXX was the 8 week period XXXX XXXX declared was the maximum time frame needed to finalize the transfer, and yet by this date it had still not happened. 

On XX/XX/XXXX, I called my local bank wondering what else, if anything, needed to be done on their part or mine to make this transaction happen. My local bank said all they could do was wait, but that I should give XXXX XXXX a call to find out what to hold up was. 

I called XXXX XXXX on Friday, XX/XX/XXXX. Their customer service rep. confirmed they had received the request XX/XX/XXXX, confirmed it was well past the maximum 8 week period, additionally confirmed that nothing had been done on their end. The rep. said they would expedite my request and call me back no later than Wednesday, XX/XX/XXXX to confirm that they had completed the transaction. I received no call back. 

I called XXXX XXXX again on Friday, XX/XX/XXXX. I spoke with the SAME rep. who had promised to make everything happen and call me back on XX/XX/XXXX. They aknowledged they had not followed through, apologized multiple times and stated they would " make it happen today! and call me back to let me know they had taken care of it. '' Again, I received no call back. 

As of today, XX/XX/XXXX, it's been 12 WEEKS and XXXX XXXX has still not transferred my account! 

P.S. You should check out online consumer reviews that have been posted about XXXX XXXX. Apparently what I've run into, and even more types of bad behavior!, have been experienced by countless other people. An absolute mountain of TERRIBLE treatment of their customers.
Consumer complaint received 2019-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (MN)

I was told by Wells Fargo Representatives on XX/XX/XXXX that I signed up for Overdraft Services during XX/XX/XXXX, but the company cant tell me when exactly I signed up and I don't recall I gave authorization for this service. 

Removed overdraft 'services ' from account XX/XX/XXXX.
Consumer complaint received 2019-02-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

You are hereby under provisions of Public Laws 95-109 and 99-361, also known as the " Fair Debt Collections Practices Act, '' notified that your services are no longer desired. You and your organization must CEASE & DESIST all attempts to collect the debt. Failure to comply with this law will result in my immediately filling a compliant with the Federal Trade Commission and the Texas Attorney General Office. I will pursue all criminal and civil claims against you and your company. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future.  Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by the law. Since it is my policy to neither to recognize nor deal with collection agencies, I intend to settle this account with the original creditor. Lawyers acting in the capacity of " Debt Collectors '' three or more times a year are considered " Debt Collectors. ''
Consumer complaint received 2023-08-17
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. (GA)

This is my follow up complaint as an assurance that the EXPERIAN, XXXX and XXXX Credit Bureaus will take their responsibility seriously and will NOT be inattentive in my request for inquiry removal in my credit reports. Once more according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Again, here is the list of inquiries which do not belong to me or were opened without my authorization : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

After reviewing my credit profile, I identified a discrepancy with account listed under XXXX XXXX XXXX. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I received a response in mail by TransUnion XX/XX/XXXX stating the account was verified, but I did not received any documents to validate this account as correctly belonging to me. Therefore on XX/XX/XXXX I sent a 2nd verification letter asking for complete list of all documents and correspondence with XXXX XXXX, including all names of employees that TransUnion spoke with as part of the investigation. I received the same letter that was sent out by TransUnion on XX/XX/XXXX stating the account was verified, again no documents showing this account belongs to me just another template letter. The account is still reflecting on my report and the account do not belong to me.I have whited out my information on the letters i sent and also whited out my file number from the verified template letter TransUnion sent and attached.
Consumer complaint received 2020-03-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (NC)

I called the number that was sent to me via email for their protection time ( bluebird by amex ) yesterday XX/XX/20 spoke with a representative in regards to my account being " permanently suspended/locked for violating certain agreement section '' ( they gave me no date or when violated just stated it was due to a return policy ...? ), And I inquired about the entirety of my money when I deposited every two weeks from my previous job I worked XXXX XXXX at local XXXX. I had roughly $ 26-28 and change remaining on the card when it was locked as of XX/XX/20. The representative told me she can not " promise that I will be able to get MY money back, and there might be a chance that I might not get it back '' - due to unnamed reasons ... Which is completely absurd. I informed her I was going to be in contact with the XXXX, as well as Consumer Financial Protection Bureau due to this absurd situation.