davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/XXXX I checked my mobile banking app and saw a fraudulent ACH payment to a credit card I do not own, in the amount of {$4200.00}. I was not sent any text alerts or email alerts like I have been in the past. I immediately called the fraud department regarding this unapproved transaction. After over an hour and multiple transfers, an agent said she could not initiate a claim or stop payment as the ACH was processing and that Id have to call back the next day once the charge posted. I called in today, XX/XX/XXXX, and after 2 hours, multiple transfers, and denials to requests to speak with a supervisor, I have no resolution or case number. Ive been told it will take up to 10 business days to review and investigate, which is unacceptable since I have no access to my money during this time. 

Bank of America is failing to uphold safeguards and is allowing fraud to run rampant. They fail to take accountability and provide basic consumer protections to prevent large amounts of money from being illegally accessed and stolen, and thus, are complicit in the fraud. When this unique, first time transaction was noticed on my account ledger, it was not paused, stopped, or canceled in spite of immediate requests by me. I was not provided any alerts or timely resolution.
Consumer complaint received 2022-03-11
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: Experian Information Solutions Inc. (WV)

After reviewing my credit report, I am not happy to see the below items that are still showing in there even though I have informed you that they are in accurate and negatively impacting my credit score. This information is not information relating to any transaction by me.
Consumer complaint received 2024-09-04
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: BARCLAYS BANK DELAWARE (GA)

I opened multiple disputes with a merchant due to me returning items on XX/XX/year> and not receiving a refund. Items were picked up by the merchant 's private shipping company ( images were submitted as proof ). I provided very detailed information about my returns supporting my claim and I was denied because " we were not provided with proof that the merchant agreed to refund the credit card account ''. 

I'm not sure what new practices are going on with other businesses, but it is common knowledge that when customers return items with a business 's return window, a refund should be provided. 

I purchased the items on XX/XX/year>. The items were returned within the XXXX  day return window ( document attached ) and were confirmed received by the merchant 's customer service when I contacted them. The detailed documentation I provided also states that I was to return items by XX/XX/year>, which I clearly did. 

This is very shady behavior from Barclay and I can't believe they tried to get away with this.
Consumer complaint received 2022-03-11
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. (WV)

After reviewing my credit report, I am not happy to see the below items that are still showing in there even though I have informed you that they are in accurate and negatively impacting my credit score. This information is not information relating to any transaction by me.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Upon examining my credit report, I noticed some fraudulent accounts. Please delete these entries from my report, as they are stopping me from getting credit. I do not recognize these accounts. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$670.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00}
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (PA)

This XXXX Complaint was CLOSED prematurely and not resolved. If this company resolves things like the credit card company, then this whole world is going to XXXX and corporations are not being held liable for their actions. Just like this fake protection bureau.

The credit card company called me, contradicting what they wrote in their response to this report. They even stipulated their agent was in the wrong, and gave me wrong information enclosed the card without just. 
I've asked for the transcripts in the XXXX recordings email to me, and I still have yet to see any of that documentation. 

There still has been no warning when they raised my APR without notice, and I've asked to speak to an officer of the company for going on three months now, and no one is calling me back that is in that authority.

It seems like this consumer financial protection Bureau is about as useless as the credit card company because no one is doing XXXX about any of these issues.
Consumer complaint received 2022-03-11
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (WI)

This is follow-up to prior complaint number XXXX. Rushmore Loan Management Services is trying to collect a bogus debt I do not owe for alleged new loan number XXXX that I never took out with their company and/or XXXX XXXX XXXX XXXX acting as ostensible trustee. The original loan XXXX with XXXX XXXX XXXX XXXX was cancelled by XXXX XXXX : XXXX County court clerk, case # XXXX. Now Rushmore attorneys are opening the same court case to collect on a new bogus debt. XXXX XXXX XXXX XXXX XXXX Chief Operating Officer, XXXX XXXX received a promissory note for full settlement from me and agreed not to sell my note but to pay me {$1000.00}. per day and then {$10000.00}. per day respectively for every day she failed to delivery my free- & -clear title. Her company was also invoiced for services rendered to the property. See lien filed with XXXX County Register of Deeds : Document # XXXX.
Consumer complaint received 2024-07-26
Product: Credit reporting 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. (MS)

I recently obtained a copy of my credit report and notice that I have some hard inquiries that, I did not Authorize ACCOUNT note loan XXXX ACCOUNT Installment sales contract XXXX ACCOUNT Auto loan XXXX ACCOUNT Secured XXXX ACCOUNT credit card XXXX ACCOUNT Installment business personally XXXX ACCOUNT Auto loan XXXX ACCOUNT XXXX
Consumer complaint received 2022-03-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Foris DAX, Inc. (WI)

This is on crypto.com I have money on there for buying crypto currency and I want to withdraw. I had a bank account there was with XXXX XXXX. They are telling me that XXXX XXXX filed the dispute against me so I can not withdraw my money and I have to show them proof of a dispute cancellation letter. I spoke to XXXX XXXX a couple times and they told me there's no such thing they can not give me a dispute cancellation letter because I didn't file against crypto.com. this is been going back and forth with crypto for months now at least 3 months. I was finally allowed to change my bank account to a stride bank which is chime so I was just recently allowed to put another {$20.00} on there through my chime account and they're still telling me that there's a dispute letter cancellation I need to come up with because they're fired somebody has filed a dispute against them for transactions they are lying son of a guns I want my money back I want to be able to withdraw my money I have over {$300.00} on there and they won't allow me to touch it this is just wrong I wanted to snapshot a conversations but I'm unable to do that. I am money sure how I'm supposed to get these chats to you my email is XXXX What can I possibly do about this and how can you help me please I want my money back and I want to close this because they are full of it they're Liars and they're just trying to hold onto my money and that's just wrong I don't even know the word for it but it's wrong
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-11
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-03-11
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. (PA)

It states that my dispute was verified and item removed from report. XXXX has you your current report and I go there and it's on there still
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a consumer 's account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (CA)

click improper use of your report XXXX the fair credit report act, this creditor has violated my rights. Under 15 USC 1681 section 602, states I have right to privacy. 15 USC 1681 section 604A, section 2, it also states that the consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I am writing to follow up on my previous disputes regarding a late payment reported on my credit report for the account listed below. Despite my earlier communications and the documentation provided, the late payment remarks remain on my credit report. I would like to reiterate that it was never my intention to have a late payment, and I am kindly requesting the removal of this remark. 

I have consistently demonstrated my commitment to maintaining a positive credit history and have a strong record of on-time payments. The late payment in question was an unintentional oversight due to an unexpected financial hardship. Since then, I have taken steps to ensure that this does not happen again. 

As a responsible borrower, I understand the importance of timely payments and have always endeavored to uphold this standard. The presence of this late payment remark is not reflective of my overall payment behavior and is negatively impacting my credit score.
Consumer complaint received 2024-08-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (IN)

Paypal, my credit card provider, decided that it detected potentially fraudulent activity on my account XX/XX/year>. Instead of trying to contact me to verify the charge was legitimate or not, they decided to issue a new card without locking out my current card. When I received the new card, I called them to ask why I received a new card. They told me about the potentially fraudulent charge and I refuted their statement, the charge was legitimate. I hung up with them thinking things would be fine, they were not. I had issues updating automatic payments because some sites would not accept a new payment with the same account number, just a different CVV and expiration date. I called XXXX again and explained that to them. Their customer account person decided to report that I had fraudulent account activity when I demanded they issue a new card with a different account number so I could update my automatic payments. I received the XXXX card, updated my automatic payments and after XXXX charges posted, Paypal decided to lock my account until I verified who I was with them. I refused to send them a picture of me holding my driver 's license. They sent me a letter with a XXXX time code and a special phone number to call. I called this number, they didn't ask for the code as stated on the letter. Instead, they wanted to check on more potentially fraudulent charges, which were the automatic payments I had set up that they refused to let through because they suspended my account due to their not contacting me by telephone call, email, or text to verify that the attempted charges were legitimate or fraudulent. They hung up on my when I asked to speak to someone who could actually help me verify my account. I had about XXXX reward points on my account and now I can not even see them when I log into my account. I just want the points back so I can use them before I close this account. There is absolutely nothing Paypal can do to keep me as a customer at this point. I just want the rewards points I have earned restored.
Consumer complaint received 2022-03-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Mobiloans, LLC (CA)

XXXX loaned a fixed sum of {$900.00} on XX/XX/XXXX and was paid back in full with interest. 

One of the payments made on XX/XX/XXXX for {$110.00} failed to process due to an unknown and unexplained error by mobiloans.com. 

I notified Mobiloans on XX/XX/XXXX that this payment was not deducted even though the payment was properly reflected on my account balance statement. This loan was subsequently paid in full. Several months later, on XX/XX/XXXX, Mobilloans sent this email. 

Dear [ XXXX ], Please note, this email is for information purposes only and no action is required on your behalf. 

Our records indicate that the payment reflected on your Mobiloans account for XX/XX/XXXX was not actually processed by your bank. 

We will add this unprocessed payment amount to your principal and overall balance. These new balances will be reflected immediately in your account. You will have XXXX billing cycles to make up this payment. 

If you have any questions, please contact Customer Support at XXXX Sincerely, The Mobiloans Team On XX/XX/XXXX, I checked the online balance and it was higher than this {$110.00} payment. 

This unknown line item charge was added without my knowledge or any notiifcation XXXX on XX/XX/XXXX ; XX/XX/XXXX XX/XX/XXXX FFC at 10 % Off {$9.00} {$36.00} {$120.00} Due to their error, XXXX is now requiring an automatically payment in the amount of {$120.00} from my bank account. This is fraud.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

XXXXXXXX XXXX  ( partial acct # XXXX ), has been incorrectly and negatively been reporting an invalid and unvalidated alleged debt -I requested a Debt Validation, to include a signed contract or agreement with terms, to repay any Valid Debt -I did not receive the requested information from XXXX XXXX  -I told XXXXXXXX XXXX  to cease any contact or communication, as it regards to this account -XXXX XXXX  has continually violated my rights by disregarding my correspondence and the laws that support all that I say, pursuant to 15 USC 1692c -These illegal and incorrect communications, as it regards to this account, have caused great hardship and struggles
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I contacted Capital One because I noticed that they were charging me for XXXX purchases that were supposed to have been paid by redeeming Capital One Miles points. I was advised by the XXXX XXXX rep that XXXX did not submit a request to redeem points, but instead charged my card directly. 

The Customer Service rep offered to make the adjustment, credit my statement and deduct the points instead. However, instead of charging me XXXX credits per dollar, as is the rate for XXXX purchases, she charged me XXXX points per XXXX cents and therefore used up all of my points to make the adjustment. _At no time_ did this representative explain that she would use a different rate of points redemption to make the adjustment. 

After completing the transaction, and ending the call, I realized that she had overcharged me. I called back and another customer service representative explained that if Capital One makes the adjustment, the value is only XXXX points per XXXX cents and that the XXXX points per dollar was only available when making purchases through XXXX. I explained that XXXX XXXX used points through XXXX but XXXX they did not redeem them properly. The Capital One customer representative said there was nothing they could do fix it because I had already agreed to the redemption at XXXX points per XXXX cents. Again, I was not aware that this was the rate she was using. Unfortunately, I also did not realize that I would have to stop and do the math to ensure that the rate of exchange was correct. I trusted the employee to make the appropriate correction based on my expectations as a Capital One and XXXX customer. Without a clear and proper explanation, I feel I have been defrauded of my rewards points. 

The second Capital One rep said that if I had any further problems with redeeming points on XXXX, I would have to contact XXXX. 

As a side note, I did contact XXXX regarding them not redeeming points for previous purchases, but they could not do anything because the transactions were already complete, and the orders delivered. They could only offer help in the future to ensure that points were redeemed correctly. 

I am hoping you can assist with getting Capital One to go back and correct the points redemption to reflect the XXXX points per dollar as offered for XXXX purchases. 

Thank you.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

I have repeatedly notified equifax the information from XXXX XXXX XXXX is inaccurate. They have yet to show when the last payment on the account was made and keep changing the date to keep it on the report. I have explained I was imprisoned from XXXX until XXXX. The first time they moved the date was early XXXX when they changed the drop off date from XX/XX/XXXX to XX/XX/XXXX. In XXXX when it failed to drop off I filed another dispute and found out the date had been changed to XX/XX/XXXX. THe other 2 companies have already removed the fraudulent information.
Consumer complaint received 2024-07-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (MD)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am writing to dispute an account listed on my credit report. The account in question is XXXX from CAPITAL ONE, and it is currently reported as negatively impacting my credit. 

I am listed as an Authorized User on this account, and I have no ownership or control over it. Given that this account is adversely affecting my credit score, I kindly request that it be removed from my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. Since this account does not belong to me and is damaging my credit, I am requesting its immediate removal.