davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

I am writing to formally request the deletion of an account from my credit report due to ongoing inaccurate reporting, despite multiple disputes and prior involvement with the CFPBXXXX XXXX the XXXX of 2024 Capital One verified the information on my account as accurate. The account in question shows " CO '' ( Charge Off ) status repeatedly after the Date of First Delinquency ( DOFD ), even though it has been paid in full and marked as " Paid and Closed. '' This continued inaccurate reporting does not align with the Fair Credit Reporting Act ( FCRA ) requirements. Under 15 U.S.C. 1681i ( a ) ( 1 ), a credit reporting agency must conduct a reasonable investigation when a dispute is filed, and under 15 U.S.C. 1681e ( b ), it must ensure that all information is accurate. The persistent misreporting of this account, despite my efforts to correct it, violates these provisions and warrants deletion from my credit report. I am disputing the inaccurate reporting of the Capital One account number XXXX. the account shows repeated " CO '' ( XXXX XXXX ) notations, which is misleading. Under 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ), furnishers of information are required to ensure accuracy and correct or delete information that is inaccurate or unverifiable. The repeated 'CO ' suggests multiple charge-offs, which is inaccurate since a charge-off is a one-time event. This ongoing inaccurate reporting may constitute a violation of my rights under the FCRA.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Todays XXXX I have looked at my credit report and I have noticed fraudulent credit card ACCOUNT NAME US BANKRUPTCY CT GA XXXX REF # XXXX IAM ASKING FOR THIS BANKRUPTCY TO BE REMOVED NOW ITS OFFICAL REMOVAL DATE IS XX/XX/year> THIS XXXX XXXX  BANKRUPTCY THAT SHALL BE REMOVED FROM MY CONSUMER REPORTS IN A MONTH FROM NOW I ASK AS A FEDERALLY PROTECTED CONSUMER FOR THIS ACCOUNT TO BE REMOVED NOW SO I CAN GET A HEAD START AT REBUILDING MY LIFE BACK. THERE IS THE HOLIDAYS COMING AND WINTER AND I HAVE NO WHERE TO LIVE THIS IS HOLDING ME BACK FROM GETTING A PLACE FOR ME AND MY KIDS THANK YOU 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 )
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (MO)

About two years ago, there was a flood In Missouri, XXXX XXXX. I filed a claim with Fema because it was a FEMA flood disaster before they would take my application. They notified me that I was mandated to call my insurance company and attempted to file a claim. 
There was no claim filed. I called and inquired and spoke to XXXX XXXX as well but although involved with Fema, neither Lexus Nexus or XXXX XXXX will remove the report. 
There was no paid claim I did not file a claim. I did call to inquire, but the claims adjuster filed a claim against against the property, regardless of the information provided.. I called and spoke to corporate and they will not remove that regardless, even though it was involved with a FEMA flood disaster.
Consumer complaint received 2024-09-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc. (IN)

Hello, I have had many issues with my mortgage company Mr Cooper. 
For some history, I have paid XXXX to XXXX months in advance for the past 12 months. 
I have also paid my principal separately over the last 12 months. As of today, XX/XX/XXXX I am paid up until XX/XX/XXXX. 

My problems with my mortgage company include not being able to make additional payments in advance. The inability to make principal payments by phone or the website. As well as, the inability to speak to anyone about unapplied funds on my account that have not been paid to my mortgage. I have called many times and selected different prompts, and have never been able to speak to an agent at Mr Cooper. I have also chatted on the website with a robot, but no live agents are available. I have been attempting to reach someone since XX/XX/XXXX. The last time I called was today XX/XX/XXXX at XXXX XXXX. 

When trying to process a principal payment by phone and by the website this statement appears : Before you make an additional principal payment, please pay your total amount due this month including any outstanding fees. If youve already scheduled a payment for this month, please allow up to XXXX hours for processing. ( I am paid up until XXXX, XXXX ) The data entry on the website states the following money has not been applied : Unapplied Funds XX/XX/XXXX {$110.00} {$0.00} {$0.00} {$0.00} {$110.00} {$53000.00} This is unacceptable. I need answers and assistance from this company as to why funds are not being applied to my principal balance. 

XXXX XXXX
Consumer complaint received 2024-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (OH)

It was a random night my cash app and email was hacked and someone was able to log into my cash app and pull small withdrawals ( {$250.00} ) from my XXXX XXXX  account totaling {$4200.00}. The person labeled this transfer as car parts which I would never make this type transaction. This made my XXXX XXXX account negative. I had to use my personal income tax to pay this off because XXXXXXXX XXXX told me the withdrawals came from my personal cash app. I disputed this several times and cash app did not resolve it nor did they even give a resolution to this issue.
Consumer complaint received 2024-09-02
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

On XX/XX/XXXX, I went to return my leased XXXX XXXX XXXX. It was due on XXXX met with the XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL ) to turn in the lease vehicle and he informed that I will have to pay the disposition fee unless I purchase or lease a new vehicle. We discussed my budget and desired vehicle. He then went to check the inventory and came with an option to buy a new vehicle that I agreed to purchase and finalized the transaction. During the transaction, he confirmed to me that there will be no disposition fee and it will also be clearly mentioned in the grounding receipt. I received the grounding receipt the next day ( XX/XX/XXXX ) and I noticed that the " Vehicle Disposition '' section was not filled correctly. I immediately wrote to XXXX and he confirmed to me that there will be no disposition fee. 

On XX/XX/XXXX, I received a statement from NAMC ( Nissan Motor Acceptance Company ) with disposition fee. I sent it to XXXX and have gone back and forth by email with him as well as NAMC. Per XXXX, NAMC will remove the disposition fee " ONLY '' if I call, which I did 3 times but NAMC agents tell me that it's in the process of being removed and should not take this long. It has not been removed to date.
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (OH)

My home was broken into last night and my purse with my debit card, credit cards, checks, car key and drivers license was stolen. I called customer service and they were so helpful in filing disputes and closing cards and issuing new cards. After the police left I decided to call the XXXX XXXX ( XXXXXXXX XXXX ) and ask for them to place a teller alert on the account in case someone came through trying to do a withdrawal. XXXX advised I open a new account which was understandable but I dont currently have a drivers license or any way to get money currently. She said she would put the alert on the account. She then called back and advised she would be putting a debit block on my account. I advised her I do not consent to that as I have my mortgage coming out. I asked if it would be paid and she said no her manager told her she had to do it. I asked to speak with the District Manager and for their phone number which she declined. She advised she would have them call. I told her numerous times I do not consent to a block but she blocked it anyways per policy Weird that the fraud department advised I didnt need a new account and just placed stop payments.
Consumer complaint received 2023-04-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (TN)

The company involved is Bridgecrest. I obtained a car from XXXX and used their loan company Bridgecrest to finance the loan. On XX/XX/XXXX the car was totaled. I had full coverage insurance with a {$1000.00} deductible as well as gap insurance. ( I can provide necessary documentation for all of this ). When going through the entire process, it is standard to get the payoff amount for the Auto loan. The payoff amount effective XX/XX/XXXX was {$19000.00}. The following payments were made to close off the account : ( XXXX ) XXXX XXXX principal payment : {$15000.00} ( XXXX XXXX XXXX XXXX  principal payment : {$3500.00} ( XXXX ) XXXX XXXX : {$900.00} Total payment amount : {$19000.00}. Meaning i was owed a little more than {$100.00} back. This should have been settled in XXXX. I was fine and forgot about the money owed until i checked my credit report and saw that i still had an active loan. And the company said i still owed {$100.00} on principal for the loan. I assumed it was because of the standard payment i made and sent in money to payoff the loan. I checked on XX/XX/XXXX, and saw that now i owed a principal balance ( and not payoff balance ) of {$600.00} to Bridgecrest, when the loan was paid off about two months prior. 

Per Bridgecrest own files they did the following : ( 1 ) Reversed the XXXX payment twice as both times it was applied as Principal only payment, then applied the payment as a standard overpayment. 
( 2 ) Reversed the XXXX XXXX  payment twice because both times it was applied as a Principal only payment, and then applied the payment once again as a standard overpayment. 
( XXXX ) Reversed my standard payment twice, for what reason im not sure ( the money has been out of my account for months and was never returned, im assuming this is the same for the XXXX payments and the XXXX XXXX  payments as well ). 

Bridgecrest reversed my payments in a fraudulent matter. The first payment reversal was on XX/XX/XXXX for all three of the aforementioned payments. After this, they reversed and reapplied the payments again on XX/XX/XXXX for all three payments, each time charging me fees and reapplying the payments on the dates of the reversal to apply interest. Also because of the reversals and how they applied the loan, my statement now says the next payment is due on XX/XX/XXXX. This is fraud. ( I have documentation for this as well ). When i saw this, i contacted their customer support and spoke to XXXX. I was not allowed to speak to the accounting team, anyone in legal, a manager, or even given a tracking number for the issue.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I always pay on time, so Im not sure why the company is showing late payments for specific months. Based on USC 1666b, billing errors need to be corrected, and the account should reflect payments as agreed.
Consumer complaint received 2023-08-11
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: JPMORGAN CHASE & CO. (GA)

I submitted a letter to the CEO of Chase but only received a form letter response which did not address my specific concern. This will be the 2nd time in my lifetime I have experienced this same problem and ironically both times ( 20 years separated ) it was with Chase. The core issue is I will periodically receive text & email alerts to validate charges. When I receive these and I respond no that I do not recognize the charge they immediately cancel the card and reissue a new one. In most circumstances this would not be so problematic, however Chase did this twice to me within a 60 day period and I was traveling both times. I fully understand this is part of their fraud mitigation but it leaves the consumer in peril when traveling. I recommended they should pick up the phone and call the customer to address intervention if they are that concerned about fraud. I say this because the 2nd time they cancelled my card, although I did not recognize the charge I did recognize the business. I immediately called the business and it was a mistake for which they immediately refunded the charge. If XXXX would have just called before cancelling the card it would have saved me a lot of inconvenience. Their form letter indicates they did nothing wrong and fail to provide any service recovery for the inconvenience they created due to their process. I explained in my letter to Chase that other credit card companies call me before cancelling the card and in most situations we were able to mitigate any concerns with fraud without card cancellation. For Chase, it is crystal clear that they dont care about customer service or any inconvenience they create for the customer. They will just say it is their process. I tried to convey that other banks are more customer service oriented and their company should reconsider their process. All I receive are form letter which I presume are computer generated so the fact is that Chase is doing nothing to address this problem. I believe they should be required to indicate up front boldly the risks of using their credit cards if this is going to be your sole credit card because there is high probability they will cancel the card and if this is done when traveling, for example, it becomes very problematic. Chase could care less about customer impact so there should be an effort to provide warnings to consumers relative to their business practices of immediately shutting down the card instead of having a more proactive approach of contacting the customer directly via phone. As stated, other banks are more proactive so companies like Chase should have more stringent disclosure requirements to protect consumers.
Consumer complaint received 2023-06-27
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. (CO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (MO)

I have disputed this collection account XX/XX/2024 on my consumer report with LVNV Funding I have never did any business with this company. I requested from the company to send me the original agreement that I signed with my wet signature that I owe there company for this debt and they have responded that this account was verified they're only reported on XXXX and XXXX not XXXX
Consumer complaint received 2024-08-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

On XX/XX/year>, an unauthorized interbank transfer was made from my XXXX XXXX XXXX  account to a company called " XXXX XXXX '' located at XXXX XXXX XXXX, New York, NY. Additionally, I found that other insurance accounts were also compromised on the same date. It seems that the identity thief or hacker might be an internal customer of XXXX XXXX XXXX XXXX XXXX XXXX  I am requesting an immediate refund of the {$25.00} to my account and asking the bank 's IT department to implement additional security measures to prevent illegal internal bank hacking across customers ' accounts nationwide.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I disputed multiple accounts for false identifying information certified mail ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). I sent the correct information to the credit bureaus to remove the accounts with incorrect or fraudulent information ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). Instead of deleting the accounts from my credit file the companies updated information on the accounts which is a failure to investigate and fraud. I have submitted this complaint to the companies more than once and they still have not deleted the items. They are failing to investigate. This is a failure to investigate and a violation of the FCRA. 


I have sent this complaint to Experian, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX. 
FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: The Bureaus, Inc. (FL)

I had some debt collector companies reached out to me, I asked them to validate the debt and also show me proof that they're own the debt and a lease agreement from both parties and proof that I owe them they don't showed none of the things that I asked for please help me remove the incorrect information they keep reporting in my credit report because they won't validate the debt thank you.
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (IL)

contacted the company on XX/XX/year>24 in regards to needing to update my phone number as the old number on the account does not work. The associate did not help with the process and proceeded to call a number that was not in service and stated there was no way. I am currently locked out of my account after paying the bill and Barclay refusing to allow me to update my phone number.
Consumer complaint received 2023-09-19
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

After returning from a trip to XXXX, New York on XX/XX/XXXX, I received a notification that my credit card statement was available, and that the balance was much higher than it usually is. Upon carefully reading through the charges, I discovered that a cash advance was made at an ATM on XX/XX/XXXX in the amount of {$500.00} by someone other than myself. Because my credit card has been in my possession the entire time and I do not typically request cash advances ( especially in that amount ), of course I immediately called to report the fraud, dispute the charge ( claim # XXXX ), and have my credit card replaced. No less than four times, my dispute has been resolved with the resolution being " unable to pay ''. The most recent resolution document states that I " admitted that the charges were valid '', which I absolutely did not. I have spoken with supervisors and have made good faith attempts to speak with loyalty/retention specialists. I have banked with Bank of America for eighteen years and will absolutely sever ties with this institution if I am not absolved of the {$500.00} that was stolen from me.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (WI)

I am unable to access my Equifax account information via the website. https : //my.equifax.com/membercenter/ # /login I am routed to a webpage instructing me to call Equifax to process requests. I am unable to get a person on the phone. I sat on the phone for more than 40 minutes, twice. 

I am unable to manage my credit security effectively which means I am unable to apply for any loans, etc as many businesses use credit reports for decision making. 

I am not the only person with this problem. I went to the Equifax XXXX page where I found many more people experiencing the same problem. 

Equifax is holding my information hostage and is giving me no reasonable course of action to access it and/or control it.
Consumer complaint received 2024-09-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (OH)

This is regarding Apple Card. In XX/XX/year>, I missed XXXX payments of {$30.00} each. In XX/XX/year>, I lost my XXXX that had all the Apple Card information on it -- and for some reason Apple Card prevents you from making an online payment through your bank 's Bill Pay ( which I how I pay for 99 % of my bills ). 

I contacted Apple Card, and they were willing not to charge me interest on the card in XXXX, as long as I made a payment of {$220.00}, by XX/XX/XXXX. 

I made the {$220.00} payment on XX/XX/XXXX, only to discover that {$170.00} of my payment had gone toward fees and interest. They charged me almost XXXX my monthly payment on excessive fees and interest.