davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One Bank has compromised my personal information and conducted an investigation with bias against my XXXX business XXXX XXXX XXXX XXXX 1 ) letter from capital one XX/XX/2021 indicated wrong account number and wrong mailing address. Same letter in bold print at the end is aggressive and a personal threat against me. 
I am attaching bank statements for the deposits from SBA as well as the correct account number. Therefore, I am requesting a transcript from all the 36 phonecalls I made to capital one where I clearly requested a change of investigator and protocols. Capital One refunded my grant without verifying my docs. 
Capital One acted out in a punitive way against my business and my person because I complaint that the investigation was inaccurate. Attached are documents proving capital one has compromised my identity by releasing documents to my previous home address and the investigation was not even performed because they never checked off the BANK ACCOUNT. Look at the numbers
Consumer complaint received 2021-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-03-31
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-04-02
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've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX
Consumer complaint received 2021-04-02
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. (FL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BBVA FINANCIAL CORPORATION (AZ)

This is tied into complaint XXXX In order to give me access to the billpay service without a cellphone, a BBVA employee put in I'm guessing his or her cellphone number to bypass the system and activate the billpay. 

I was gravely concerned by this and contacted BBVA many times to get information on this number that was added to my profile that is NOT in anyway shape or form my number. I was ignored. 

I immediately stopped my direct deposit, and withdrew all my funds to protect myself from a loss because I was worried that the BBVA employee that put in his or her number on my account may quit the bank and then clean out my account. 

BBVA has now closed the billpay service and the checking account, but that false number is still there in my overall profile and now attached to my credit card. I'm not so worried about anyone stealing money from my credit card because I have enormous consumer protections from Reg Z, but BBVA might be worried about taking a loss because of FALSE information in customer profiles that was made up by its own employees. 

I emailed customer service on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XXXX. 

I've received useless responses especially from XXXX XXXX who pretty much said a whole lot of nothing, and then refused to respond to my final three desperate attempts to get this problem fixed. 

I want the FALSE information removed from my account profile. I'd do it myself, but the system sends a text message to the number that's not mine and has never been mine so I can enter the code and delete it, and I suspect if I could, it would want me to put in a new cellphone number. 

I have NO phone service at this point of any kind : no land line nor cellphone.
Consumer complaint received 2021-03-31
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 (MD)

An authorized user used card to rent a vehicle from XXXX. I immediately block users card 3 days after I realized the charge. I believe the charge hold was in XX/XX/XXXX. The amount I believe was {$270.00}. The hold was released. I believe a week later. I assumed the authorized user paid the amount. On XX/XX/XXXX, XXXX charged {$5200.00} to my credit card account. I notified my credit card co Capital One Bank and a dispute was put on my account. I informed the bank that the users card was blocked and why was this charge put on my account when I blocked the authorized users card. The credit card id secured card with a limit of {$700.00}. The charge from XXXX in the amount of {$5200.00} was charged back to my account on XX/XX/XXXX and an additional charge of {$74.00} from XXXX was put on my account XX/XX/XXXX. The dispute case # XXXX.
Consumer complaint received 2021-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/21 Trans union dropped my credit score 100 points after I paid a credit account down to 3 %. XXXX increase my score by 20 points on XX/XX/21 and so did XXXX. I contacted trans union on XX/XX/21 at XXXX to report the mistake. But the people there said it dropped because I filed a dispute. Your credit score can't be dropped because you file a dispute. I filed the same dispute with the two other credit bureau. And my score increased. I tried to explain that it was a mistake and please correct it. As if today it hasn't been corrected.
Consumer complaint received 2021-03-31
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. (CA)

There are two accounts and 1 inquiry on my credit report that are not mine I have been disputing these for many months and nothing is being done!!! This is clearly identity theft and this is my last hope XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/2020 on Transunion
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MD)

I am disputing and challenging the debt XXXX XXXX XXXX  says I owe.

The info being reported is incorrect and its inaccurate.I would like them to verify the correct date the credit was issued.When was the account established.I dont remember this account.I am requesting a copy of my original credit application.I want a copy of every statement for every month the account was open.I dont know if this is my account.Please produce evidence that the account is mines.Again I want a copy of the original credit application and I want a copy of every statement for the life of the account.If you cant send me statements for the life of the account.It is grave violation of the FCRA.Its a violation because you refuse to produce documentation to really verifies the debt is mines.If the account isnt property verified through statements.Then remove it from all 3 credit bureaus immediately.If its not removed its a clear violation of FCRA.I am giving you 75 days to produce statements.After 75 days.Again I am giving you 75 days from reciept of this complaint.This debt being reported to my credit report hasnt been properly I will be filing a federal lawsuit.If this incorrect and inaccurate infomation is not removed from credit.I will also be filing a lawsuit aganist XXXX XXXX XXXX and the credit bureaus.If they dont produce statements for the time the account was open.I dont want the itemized detailed statement.I want all of the statement.If I have to file a lawsuit.Due to the FCRA violation. I will get a federal subpeona to get all statements and the original credit application.I want every document and statement for the history of the account.You must prove and produced evidence that this account is mine Just to let you know.I am a XXXX  student.
Consumer complaint received 2021-03-31
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (IL)

I leased a XXXX XXXX and bought the vehicle at lease-end. The title was held by XXXX XXXX XXXX Trust. I paid for the vehicle in full, plus tax, on XX/XX/2020. The amount I paid in sales tax, {$1300.00}, was clearly added to the payout and documented on the XXXX. First, it took nearly four months and multiple phone calls to get the title sent to me. Included in that mailing was a cover letter, the title, and the bill of sale, which is what I took to the Secretary of State office to get the title transferred. They informed me that this documentation only shows that I paid the tax, it does not verify that the tax was paid by XXXX to the state. The Secretary of State office said I need a " receipted copy '' of the ST-556 with a confirmation number, which verifies tax was paid to the state. After multiple additional phone calls to XXXX, I received a copy of the ST-556 that did not have a confirmation number. I called again and after a long call the customer service rep told me that the Tax Return Number on the XXXX is the confirmation. Another trip to the XXXX of XXXX office ( and more time off work XXXX and they explained this is not the confirmation number and gave me a printed example of exactly what I need. I have since talked with two additional people at XXXX customer service and still dont have the correct documentation to get the title transferred. They are now telling me it can be two weeks, even when escalated. No one has even been able to confirm for me that the tax was actually paid. My current lienholder is demanding proof that the title is in their name yet XXXX is keeping me from transferring the title. It has been almost six months since I paid for this vehicle in good faith. They either didnt pay the tax or are refusing to send me the correct documentation. I have called nine times with no resolution and consider this fraud at this point.
Consumer complaint received 2021-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XXXX Bank of America Fraud Claim number XXXX. 

On Friday XX/XX/2021, I attempted to send money from my Bank of America checking account to a friend using XXXX mobile app on my XXXX. The XXXX mobile app was not working right. Then I received a call from XXXX ( XXXX ) XXXX. The male subject on the phone stated that he's the support from XXXX  and needs to have access to my phone to help me with the app. I allowed the subject male access to my phone. While he had access to my phone, the subject transferred {$300.00} from my Bank of America checking account to another Bank of America account number XXXX, XXXX. At the time, everything seemed legitimate to me, a XXXX XXXX XXXX XXXX XXXX, until I realized what happened. I called the male subject back to ask for the money back and he stated that it'll be deposited back to my account shortly which never happened. When I tried to call back the number was already not in service. I called Bank of America immediately and filed a fraud claim and called the police and filed a police report which I provided to Bank of America to support my claim. 

After waiting 5-6 weeks without receiving a decision on my claim from Bank of America, I called the bank and they informed me on the phone that my claim is denied. I never received a formal confirmation on my claim or a formal reply from the bank. 

Needless to say that the {$300.00} was my two weeks pay from my part time job in XXXX XXXX XXXX and I was left with {$17.00} balance.
Consumer complaint received 2021-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (VA)

I opened an account and signed up for the XXXXADVANTAGE. I set up direct deposits in an amount sufficient to earn the reward. The first four direct deposits went through fine : On XX/XX/21, XX/XX/21, XX/XX/21 and XX/XX/21, I received deposits from my employer of {$1500.00}. 

The second deposit of XXXX was rejected by Suntrust. Nothing had changed in terms of the information my employer used to deposit my salary ; Suntrust just rejected it. 

To me, the fact that Suntrust accepted four consecutive direct deposits before rejecting the deposit which would have qualified me to receive an award is eminently suspicious. However, regardless of any nefarious intent, or lack there of, I did my part to have the direct deposits necessary to have the bonus ; the fact that suntrust inexplicably rejected the final deposit was out of my control. 

I tried to resolve this directly with Suntrust. I contacted Suntrust on XX/XX/XXXX and followed up on XX/XX/XXXX, both through XXXX. Each time, I received a polite response that someone at Suntrust would check on this and get back to me. However, I never received any response.
Consumer complaint received 2021-04-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

RE : XXXX This is not a duplicate report, Bank of America added new false derogatory statements by adding : 1. new 60-day late payments for XX/XX/XXXX and XX/XX/XXXX, XXXX the first delinquency occurred on XX/XX/XXXX, 3. the account was closed on XX/XX/XXXX, and 4. the last payment was received on XXXX XX/XX/XXXX. 

1. There was never a late or missed payment on the account. Therefore the XXXX and XXXX maliciously reported to the credit bureaus must be removed. 

2. There was never a delinquency, however, Bank or America has reported many false and malicious claims to the credit bureaus between XXXX and XXXX and again between XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. 

XXXX. The property was sold in XX/XX/XXXX and the bank first reported the account closed on XXXX XX/XX/XXXX and continued to maliciously report new missed and late payment delinquencies through XX/XX/XXXX which are being used to impact my credit report and credit scores negatively. 

4. Bank of America received its last payment from me in XX/XX/XXXX, the property was sold and I was not required to submit any more payments and did not make anymore payment. Therefore, there was never a 30-day or 60-day late payment in XX/XX/XXXX as reported by Bank of America. These maliciously reported delinquencies must be removed from my credit report and my d scores restored to their values prior to the impacts of the false claims.
Consumer complaint received 2021-06-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (TX)

On XX/XX/2020, Cash App, an online bank, literally stole XXXX dollars from my account and forwarded it to an unknown destination. 
They claim I authorized them to send the XXXX dollars to my bank account at XXXX XXXX . That is false. My bank account at XXXX XXXX had been closed in XXXX of XXXX and did not exist. I never told them to send my money anywhere and they refuse to provide any sort of authorization from me telling them to do so. This so called investigation by cash app had been going on for months when they informed me they terminated the investigation because I had authorized the transfer. I DID NOT KNOW ANYTHING ABOUT THIS TRANSFER AND HAD NO XXXX XXXX ACCOUNT AT THAT TIME. They literally stole {$800.00} dollars from my account and will not give it back. I have communicated with 10 different members of cash app and all would say they would look into it but nothing was done. The case number of that supposed investigation is : XXXX. 
Please help me get my money back. Thank you. This corrupt bank took advantage of a XXXX senior citizen and they need to be held accountable for their dishonest actions.
Consumer complaint received 2021-04-02
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This all started when my lease with XXXX XXXX on a XXXX XXXX was about to be up back around XXXX of 2019. I returned the car and thought everything should be good to go. I had automatic payments on the entire time, and have never missed a payment with any account I have, outside of just XXXX. When I called and asked them why my payments had not posted they assured me that they were undergoing a system upgrade and it might take a month, but I wouldn't be held liable for any late fees or extra costs. I thought we were good at that point. I called at least six more times to XXXX over the course of two months seeming that the payments weren't posted and I saw late fees on my account, with a new balance that I owed, a number that was completely different than all my other payments. No one could give me any answers and they changed their tune at this point basically accusing me of not making the payments. I had my bank verify the payments and everything. Eventually I started getting mail from collections agencies and after months of nothing from XXXX, they claimed I still had a balance on my account which is inaccurate, and at this point predatory. They have been harnessing me ever since. I recently tried to refinance my car loan and the derogatory remarks showed up that I never paid the bill and it was in collections. This was the most unprofessional, predatory, and downright shameful way to act from XXXX. I would like the bill in collections removed from my credit immediately. We spoke over the period of four months and they were not able to verify any of my payments, how much I owed, or anything, due to their own system upgrade. I would also request the most recent hard pull on my credit for the car loan be removed as well seeming that it would have gone through if it weren't for XXXX 's derogatory remarks. Once again, I have my every single payment in full and on time for every single one of my other accounts. This is completely out of character for me and is something I would never do!
Consumer complaint received 2021-04-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION (MI)

XX/XX/2021 Attempted to transfer funds between accounts, but was denied access. They also arbitrarily closed my checking account without notification. When I asked why they were attempting to collect a debt. I am a XXXX retired female who has limited income. I specifically requested the checking account last year and was using it. I believe their actions are illegal and discriminatory against XXXX retirees. I have notified my attorney of this action, Help Is Here.
Consumer complaint received 2021-03-31
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC. (CO)

Good Afternoon, I am filing a complaint against Navient. My student loans have fallen behind due to covid and financial difficulties. In their attempts to collect on this debt they constantly call my family, friends, references, in an attempt to both locate me and pressure me to pay money I dont have. ON XX/XX/XXXX I called them and told them specifically that they could not contact my family or friends. they had my contact information and address and knew where and how to find me. they continue to call my family leaving information that is private and personal in regards to my status with Navient and I desperately ask the CFPB to help