davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP (MO)

I requested the company to honor our fiduciary relationship with my consumer accounts. I gave them all the permissions they would need to act as my trustee as some of their documents claim they have power of attorney. I asked them to define U.S. Dollar and what it means. I asked them as my Trustee to allow my account to be drawn/paid down each month so I can continue to use my card for food and house hold goods for my family of XXXX. I offered to leave a balance on the amount each month for a profit to the bank. I asked them to provide me with an accounting of my account and to return to me any over payments. I gave them full authority to act in my best interest, sharing that I have XXXX and that my communication has become more difficult. I shared that if they do not do what I am requesting, they will be causing me and my family harm. I shared that I am having each and every Consumer Account that uses my social security number audited and on a phone call, I shared that it is my belief the bank draws from an account in addition to my payments. I included a {$1.00} bill taped to a filled out coupon written back to U. S. Bank as payment for that statement. The dollar was NEVER deposited, the green card was signed by a registered agent and returned. My networth with my husband is over {>= $1,000,000} and I want to be on the private banking side. Now, i requested my consumer credit to be increased. I was denied. I am being harmed again after the bank closed a credit card and used my lack of accounts as a reason and my ratio of debt to credit. They used the reporting from XXXX to determine I should be denied an extension of my own consumer credit then a paragraph later stated XXXX had nothing to do with their decision. The deceptive words on that statement make reading their documents confusing for consumers which I indicated that their information and disclosures was confusing for the public. My XXXX  report has very little on accounts open, I have XXXX public records which are in process of getting romoved from errors. The medical bill is being removed. I am being harmed, deprived, and discriminated against to even have access to my own consumer credit. The bank does not loan their own money, my signature and social security account provides securities for banks. I am the Original Creditor. The Full Faith and Credit shall be given in each State to the public Acts, Records, and judicial Proceedings of every other State.
Consumer complaint received 2022-12-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I filed a complaint with the CFPB on XX/XX/2022, in regards of my account being closed for " high risk '' purposes. On XX/XX/2022, Fifth Third Bank responded to my CFPB complaint stating that " Fifth Third has determined that the activity in your account did not fall within our underlying acceptance of risk ; therefore, the decision was made to close the account. '' As detailed in my original CFPB complaint dated for XX/XX/2022, I requested for Fifth Third Bank to provide me detailed reasoning on why my account was closed, Fifth Third Bank has failed to provide me the detailed explanation on why my account was closed. Fifth Third Bank states that the activity in my account did not fall within their underlying acceptance of risk, so my question and concern still stand- WHAT ACTIVITY IN MY ACCOUNT FELL WITHIN THE UNDERLYING ACCEPTANCE OF RISK? Please be detailed of the specific transactions, dates and amounts regarding the activity that has been referenced to regarding the closure of my account. My original complaint concern has not been addressed nor answered- CFPB please help assist in resolving this issue soon. Thank you.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2021-12-31
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Im filing a complaint about Transunions failure to investigate and remove incorrect information after they incorrectly merged someone elses name and address into my credit profile at the request of XXXX XXXX XXXX. I have a subscription to Transunion monitoring and I called Transunion in XX/XX/2021 about duplicate accounts & incorrect information on my profile. The transunion representative said I had two profiles with different names and addresses. Instead of deleting the the wrong profile with the incorrect name and address Transunion merged someone elses profile into mine changing my name and listing me at an address that has never belonged to me. 
Ive never reported the address XXXX nor used or changed my last name. All Transunion had to do was look in my credit history and see that I have never used an address at XXXX or used the name XXXX or XXXX. My last name is not XXXX nor am I man. This persons name and address have been merged to my report and Im now being harassed by XXXX XXXX posing as a government health agency in attempt to collect my personal identifying information to collect a debt that belongs to a XXXX XXXX. As a result I have have had to file a complaint against XXXX XXXX XXXX for attempting to collect a debt for impersonation, deception, and false misrepresentation with both the CFPB and the FTC. As of today the debt for {$430.00} from XXXX XXXX XXXX is no longer reporting on Transunions monitoring site but Transunion sent me my credit report last week in the name of XXXX XXXX and reporting XXXX as my previous address. The collection along with everything reported by XXXX XXXX including the additional name and address is false & needs to be removed from my credit report and profile.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

Equifax online services do not allow the caller reasonable access to a representative without excessive barriers including having a credit report available in front of the caller to verify loans etc. Most individuals do not have a current copy of their Equifax credit reports at their fingertips. While I fully understand the need for high security especially in light of their previous breach, it is not acceptable to spend 30 minutes on a phone tree trying to speak to customer service in order to fix one 's on line account to unfreeze their account when there is an issue with a ( correct ) password. Certain banks require all 3 credit bureau reports to approve lending applications, others do not. When I told a representative at XXXX XXXX  that it was Equifax that I couldn't get a hold of, she immediately understood stating " yes they can be very difficult ''. If this is the case Equifax 's poor customer service may be the reason lenders are no longer using or relying on Equifax reports. I have not had any issues with XXXX or XXXX to date. 

This is punitive to U.S. consumers, in that it results in severe delay in proceeding with important financial transaction including mortgages, new credit card applications, and other necessary functions.

It is likely this is happening with millions of other U.S. citizens with equal frustration. It should NOT be allowed to occur when it has such a large impact on personal financial dealings.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

In response to my previous complaints, the company added comments on my Equifax report to include " Repossession, Paid by collateral '', effectively making this matter worse. In my previous complaint, I uploaded a bank statement to prove that I made a {$5000.00} to settle the account. This company is proving themselves to be malicious or incompetent, I'm not sure which. 

Im uploading screenshots of how this account is being reported to all three Credit agencies. To be clear, its the " Reposession '' account status that needs to be rectified. Additional ( and false ) comments by the creditor will not fix the status of the account, and my fico score thereof. Also, it is being reported this XXXX and XXXX of 2022 ( with XXXX ) as a repossession when this account was in fact, settled in full more than a year and half ago.
Consumer complaint received 2022-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO. (IN)

My Tap-to-Pay feature is not working on my card. I went to the bank five weeks ago and requested a replacement card. I asked if I would be able to continue to use my existing card. He said yes. The new card would have the same number and I should dispose of the old one when the new one arrived.

I waited two weeks. No card. I went to the same bank and talked to another teller. She checked and said the card should arrive in 5 to 7 days.

I waited two weeks and then decided to use the portal for the bank to replace a damaged card. One week later, no card. 
My wife tried to use the card and it came back declined. I had the same problem yesterday. 
I called today and talked to a rep. He told me the new card went out yesterday. He told me it would have a new number. The old account was closed. I got angry. I have several accounts I have auto-pay on the card that I will have to notify and change the number. I have already had two accounts contact me about non-payment. I would never have done this if they had not lied to me about the usability of the card. 
I need the original account re-opened and a card that works on Tap-to-Pay. I don't think this is an unreasonable request.
Consumer complaint received 2021-12-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XX/XX/XXXX my wife and I notified Capital One via two separate phone calls that we were victims of wire fraud and that we wired funds from each of our Capital One accounts to a fraudulent account at XXXX XXXX ( {$130000.00} from my wifes account and {$130000.00} from my account ). Starting on this day and going forward Capital One grossly mishandled the situation. The person I spoke with on XX/XX/XXXX did not know what to do and how to handle the wire fraud situation. I was on hold off and on for hours. The representative could not get a form to work in order to report the situation appropriately and stated that nothing could be done until Monday, three business days later. This delay undoubtedly had negative impacts on the ability to recover our funds. 

We called back the next day since the wire team was no longer available after trying to work with that representative for so long. It took many escalations to get to a representative who had any idea what to do. After that day, we continued to have to call and spend hours on hold and escalating to get information on the case and to try to ensure that the situation was being handled appropriately. We were forced to call back many times and each time got nowhere. Calls were placed on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. We were told we would get a call back several times but it never happened. At no point was Capital One treating the situation with the immediacy and seriousness it called for. 

Eventually, a portion of our money was returned to my wifes Capital One account by XXXX XXXX ( {$120000.00} ). Capital One could not even provide any information when this occurred. They never followed up with XXXX XXXX. 

The case was closed only after I continued to call and insist someone follow up with XXXX XXXX to see if we would get the rest of our money back. Call after call I asked them to confirm that this was being treated seriously, believing that a so called investigation was ongoing and was told so. It became clear as time went on that the only thing that was done was a wire return request sent in early XXXX and resent in XXXX, over three months after the fact. 

The entire situation was so grossly mishandled by Capital One. Time is of the essence in wire fraud cases and Capital One failed to do their part to engage the proper teams and parties involved when they should have. Capital One was continually negligent in their responsibilities. Because of this, we lost {$140000.00} of our life savings.
Consumer complaint received 2021-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit, Inc (CA)

Account number XXXX Account status Open Date opened XX/XX/2021 Account type Auto Loan Paid Off : 2 % Balance on XX/XX/2021 Loan Amount {$89000.00} {$92000.00} Payment Info Status Current, was past due 30 days Status date XX/XX/2021 Past due amount - Original loan amount {$92000.00} Monthly payment {$1400.00} Late payments XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 - - - - - - XXXX On Time My family has been afflicted with XXXX several times. I still managed to make my payments. VW posted my payment late but I paid before the 30th day. 
XXXX XXXX credit card was paid off, then posted interest of XXXX dollars and did not notify me and this was after the card was closed. 
XXXX is completely paid in full and I never received any bill or notification that my bill was due. 
XXXX also reported late inaccurately even though I notified them that I was quarantined with XXXX. 
XXXX XXXXXXXX report of a late is inaccurate. I paid before the 30th day. 
XXXX did not update my report on my XXXXXXXX XXXX  account to reflect a XXXX balance after I paid in full before XXXX report. Also report of payment is missing for XXXX, XXXX and XXXX, all paid on time! 
I disputed the late payments on my prior student loans because I was displaced during a federally declared disaster. Still not updated. 
During the months I had XXXX and when my family did as well we were quarantine so I could not do anything until I was well enough to talk and go to my bank. 
XXXX ; XXXX reported late payment. Payment wasnt late and XXXX XXXX updated. Please see XXXX for accurate information. 
As Americans navigate this declared disaster none as Covid 19 it just seems reasonable to grant some grace to consumers who are earnest. Ive been sure to pay all my bills.
Consumer complaint received 2021-12-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NC)

I make bi-monthly payments along additional payments towards principle. Wells Fargo bank has not applied the additional payments in a timely manner and placed additional payments in escrow. Fed up I paid off my loan on XX/XX/2021. After months of calling for my home title I'm still waiting. 
Wells Fargo does not act in good faith, and I really have concerns with payments and how and when they were applied. 
I'm still waiting on getting my home paperwork.
Consumer complaint received 2018-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (MI)

This is coming after CFPB complait # XXXX. I paid my rent was twice accounted for then sudden several false charges were put on my account then 3 days later my rent was returned as unpaid. This is the same thing that happened in XX/XX/XXXX of this year involving both XXXX apartments and someone inside Huntington bank. Some of the items taken out of my checking account but not due or paid too items I dont have are {$50.00} to XXXX, & XXXX XXXX payment not due to XX/XX/XXXX. {$50.00} XXXX not due to the XX/XX/XXXX, & XX/XX/XXXX Coinbase not due toXX/XX/XXXX. All these items including other charges coming up to {$1200.00} were all paid after my rent payment but somehow that payment was listed as low funds after shown as paid. Also the first item that happened was that my debit card was locked without reason. I called as asked for explanation but no reason was given and no alert was shown on my XXXX website nor any alert texts sent to me. Again the XXXX phone person wouldnt identify themselves.
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (AR)

I had a XXXX XXXX Credit Card through Comenity Capital. My account is up to date, I requested a credit limit increase and thats when I was informed that my account had been closed 3 months ago. I was never notified, not even by mail. I have called multiple times to pay my bill and ask questions never was I informed the account was even closed! My account was closed due to XXXX XXXX ending. On my current credit report it is showing for the last 3 months that I am passed due but that is entirely not the case I have Paid all 3 months way ahead of time and over the minimum payment. I have reached out to Comenty for some answers and they are telling me I have to reach out to my credit bureau for answers. 

I am seeing all over their facebook page that this is an issue and I really want some answers. I dont think its fair that people are getting reported on their credit score for past due payments, and their credit history being taken away now that this card program is closing. They are a terrible company and I have had issues with them and their business since day XXXX and their are thousands of other people that have the same issue. 

I believe they scam people. I have had the card for 2 years and of those 2 years I have had to correct their mistakes at least 9 times that I can remember. They have issued payments onto my account that I have not consented to or granted access to. I have had to be refunded numerous times because they take out double what I paid. They Have reported me to the credit bureau quite a few times for being passed due because my due date was the XXXX of the month and because it comes out through my account I guess they dont receive the actual money for 1-2 business days, so then they give me a late fee and report it as late. 

Just yesterday XXXX I noticed a random payment on my account for {$100.00}. It stated " XXXX XXXX OH XXXX XXXX, '' and was listed as pending. I called about this and the man on the phone told me he didnt know what it was and that he wasnt seeing it. He had to put me on hold like 5 times and could never actually answer my question and basically told me he couldnt help me and it was an error.
Consumer complaint received 2022-12-01
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. 

XXXX Acct Number : XXXX XXXX Acct Number : XXXX XXXX  XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX 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 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 2021-12-31
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hello To Whom It May Concern, I must admit its very frustrating to have to have large companies just refuse to fix the problem in a such a high handed way. As TRANSUNION, And XXXX are refusing to remove the following public record from my credit report. 
XXXX XXXX Bankruptcy Case Number : XXXX Ive been disputing this matter since XX/XX/2021. From XXXX 2021 the companies TRANSUNION, and XXXX has claimed the public record, XXXX  XXXX bankruptcy was verified by a company named XXXX. they mentioned I needed to conduct my own investigation., After doing my own investigation from XXXX 2021, XXXX agreed the XXXX XXXX Bankruptcy was not verified and, According to the FCRA law, the Bankruptcy was not verified in a timely matter, and was no longer accurate. It needed to be deleted immediately by all CREDITORS REPORTING THE INACCURATE ACCOUNT. I have provided the companies TRANSUNION, and XXXX over and over with DOCUMENTATION stating the XXXX XXXX  bankruptcy is not verified by XXXX, and needs to be deleted, Nor does the Bankruptcy Court report to Credit Bureaus. 

TRANSUNION and XXXX are disregarding my documents from XXXX, and the bankruptcy court. As they are choosing to still report the inaccurate XXXX  XXXX Bankruptcy. Although XXXX has DELETED the inaccurate information. Transunion and XXXX are causing deformation of my character as Im unable to get approved for new lines of credit and if approved for credit theres a high interest rate to pay. Ive filed complaint after complaint Im not sure what else to do. Ive been denied employment due to TRANSUNION and XXXX continuing to report a inaccurate XXXX  XXXX Bankruptcy on my credit report. The companies TRANSUNION and XXXX needs to stop giving me and XXXX a hard time disputing the bankruptcy.