davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Date : XX/XX/XXXX - transferred XXXX out of checking to supposed to be for sons child support per decree Date : XXXX  - when I pulled up the person I always pay via XXXX- it populated online I sent the money Date : XX/XX/XXXX - 2 digits were incorrect on the phone - but it populated correct recipient name Date : XX/XX/XXXX - I am only human and made all honest effort to verify info before sending money Date : XX/XX/XXXX - XXXX was sent to XXXX XXXX ( someone I do not know ) Date : XX/XX/XXXX - I immediately called and spoke to a Cap one claim rep who opened a claim for me told me up to 10 days to process and happens all the time. He was in the Cap One XXXX XXXX call center. 

Date : XX/XX/XXXX - not 10 days yet - called XXXX on XX/XX/XXXX, Monday at XXXX XXXX XXXX Cap one VRU system transferred me to claims. " XXXX '' with Cap one claims verified me and stated my claim was " denied ''. I asked for a supervisor and he put me on an endless loop hold. 

I attempted to call XXXX - their system automatically states I have to have used the app exclusively and not through my bank account to even qualify to discuss anything with them. 

When you open up this case and investigate - you will see that I have clear, concise notes on the memo section which reflects my true intentions and there is no game-playing here. I have been with Cap One a very long time and they need to " do the right thing '' and credit my account for the XXXX that was intended for XXXX XXXX XXXX XXXX XXXX XXXX child support. Her cell is XXXX and in Capital One 's online banking system, the minute I put in the name, XXXX XXXX XXXX  cell populated ( I don't know this person ) and my son 's child support money was sent to him by accident. 

Can I be the only person this has happened to? Is this how banks and XXXX are going to handle this? 

How would you feel if this happened to you? 

Justice needs to be served. Fair is fair. I had only honest intentions of sending money to my son 's mother for support. Instead, large conglomerate Capital One could careless.
Consumer complaint received 2023-11-06
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (KY)

I have a SYNCB/XXXX  account on my credit report that I did not open and have no knowledge of the account. I also have never received a credit card from Synchrony BankXXXX card in the mail. This account also shows a payment history and Ive never made a payment to this account.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

2 Months Ago, I filed a claim to BOA ( Bank of America ) that I did not recognize. The transactions were happening in XXXX California, while I was heading down to Texas ( im including time stamps of me driving down ) of the amount {$4300.00}, was taken out of my account consecutively. Starting on XX/XX/XXXX under the transaction name of BKOFAMERICA ATM # XXXX XXXX WITHDRWL XXXX XXXX XXXX CA '' of the amount starting off with {$300.00} almost everyday was taken out of my bank until XX/XX/XXXX of {$300.00}. Claim # 1 : XXXX Filed onXX/XX/23. They denied me first on XX/XX/2023. They said charges were issued and authorized or gave permission to authorize, when I didnt. The card was sent to my mothers house and I didnt even activate it yet, but someone was withdrawing {$300.00} a day out of my account. They suggested scammers used cybersecurity breaches to get ahold of my account. With it being compromised. 

I just reopened the claim today XX/XX/XXXX, and if they deny again then im going to file a police report suggested by my attorney, and create a letter explaining why Im not happy with the denial. Currently waiting on the re-opening approval. 

An agent under the the consumer information bureau name XXXX XXXX told me the same happened to her for when she was in New York and when the withdraw happened, the bank did not approve her either.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXXXXXX XXXX XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2020-09-18
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. (MD)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-18
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I needed to sell the house called Wells Fargo they said I owe {$100.00} I find someone to buy it. The lawyer who was going to help in the closing found out I owed {$31.00} for a second mortgage. 

In 2016 I couldn't afford the monthly payments and apply for REFINANCE people from Wells Fargo kindly " helped '' me with a lot of documentation and lowered the payments. Now that my partner passed away I want to go back to XXXX to help my XXXX XXXX XXXX dad and need some cash to relocate. 

Never I heard about a second mortgage but only about MODIFICATION and REFINANCING. It is not fair and I don't have that kind of money. A lady from WF, sent me letter saying I have to pay the whole amount and also mentions PARTIAL CLAIM ... .and XXXX PLEASE HELP me
Consumer complaint received 2021-01-11
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. (CA)

XXXX XXXX XXXX XXXX is reporting my XXXX XXXX XXXX late XX/XX/XXXX both in XXXX  and Equifax. XXXX shows late in XX/XX/XXXX. 

This was actually an error on a XXXX XXXX XXXX XXXX employee. I went to go pay the loan and the teller forgot to notate that in the account. I actually sued XXXX and we settled because of this error.
Consumer complaint received 2020-09-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Hello, I want to thank you since you have always helped me in the past. You are awesome. 
I feel as though bank of america continues to be discrimatory towards me. I have contacted you in the past due to their unethical practices. 
for the last several years when I can I make advance principal payments, this appears to be a problems w bank of america. They recently changed or updated their website and now I no longer have access to amortization schedule. I have contacted them several times in regards to this. Asked bank of america to send me instructions on where the amortization schedule is on their website. 
They sent me an amortization schedule w the wrong interest rate so my advance principal payments would not be able to apply. I contacted them and they have not answered my email.

If you read my file I have had several complaints w them. Not sure if I should see a lawyer or not.

My last advance principal payment was not applied then I had to contact them in an email and then it was corrected. 
Is it because I am an XXXX XXXX? Why do they always put obstacles in my way? 
Can you help?
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I was going through my credit report and noticed there are a bunch of hard inquiries on my credit which I never authorized and not aware of them at all. Please fix these by removing them because they were never authorized by me. 

XXXX XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX  XXXX  XX/XX/2020 XXXX  XXXX  XXXX  XX/XX/2020
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

GOOD AFTERNOON ; I was looking through my report and noticed a negative account from a vehicle that was returned to the dealership continues to report incomplete, unverifiable in my credit report. I had the opportunity to talk to several lawmakers and friends that's more versatile on this subject and learned some basic laws in regard to voluntary or involuntary repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Also that an original creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balance on the account. I didnt receive this paperwork and you need to remove this account immediately.
Consumer complaint received 2020-09-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (WA)

On XXXX 2020, I have requested for refinancing mortgage for my property in XXXX XXXX  with Amerisave from XXXX XXXX ( NMLS ID # XXXX ). On XXXX I paid for appraisal and after appraisal he mentioned that I need to be physically in XXXX  for closing the loan. Because I live in XXXX  and can not be physically in XXXX, I asked to cancel the loan. After repeated requests to cancel ( multiple days ), on XX/XX/XXXX I got a response that he pit in a request to cancel. But loan was not canceled and I was repeatedly getting notifications to provide more documentation. After re-escalating again with customer service and XXXX, on XXXX he again responded that he requested the loan to be cancelled. But loan application is still active and on XX/XX/XXXX I got a message that my loan is getting finalized and I had to move insurance to the escrow. I have been going through lot of mental torture and all I asked was to cancel my loan application and there is no further response from either Amerisave customer service or him. He is not answering any calls or not retuning. I have all the documentation evidence of the timeline. Please advising me what are my options to cancel loan request.
Consumer complaint received 2023-07-23
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. (LA)

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 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 2020-09-18
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: Experian Information Solutions Inc. (GA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-18
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. (LA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NY)

Back in XX/XX/2020 i had XXXX XXXX i called and requested Deferred payment but unfortunately call was directed to XXXX and spoke to a representative but unfortunately the request was never put through and when i came out the hospital after month and half, i found out i had late payments on my credit history i tried reaching citi bank send they letter expelling my situation did receive any correspondence from them called them again today but didn't get any help.these late payments are effecting my life i am getting hard time from XXXX because these late payments.
Consumer complaint received 2023-07-23
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)

According to 15 U.S. Code 1681a - Definitions ; rules of construction, a credit report is only supposed to contain ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX XXXX, & the crediting agencies have reported both transactions and experiences on my consumer report. Late payments are considered a transaction, due to also being charged late fees. I have asked on several occasions for the XXXX Account : XXXX and Account : XXXX listed on XXXX, TransUnion, & XXXX to reverse the late payments on my consumer report, to no avail. 
XXXX has charged to my account LATE CHARGES, and XXXX, TransUnion, & XXXX have furnished my report with these late payments. By reporting these late payments, they are violating 15 U.S. Code 1681a 2 ( A ) ( i ). 
I would like for this account to reverse these late payments on my consumer report to paid as agreed and never late.
Consumer complaint received 2024-10-18
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. (NC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-01-21
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: Exeter Finance, LLC. (GA)

To whom it may concern : This letter is being sent to you in response to a correspondence sent to me. This is not a refusal to pay more rather, an endeavor to validate the alleged claim pursuant to Sec. 809 ( b ) of the Fair Debt Collection Practices Act requires that, the consumer disputes the debt or requests identication of the original creditor in writing and that the collector must cease collection until he veries the debt and mails a response. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verication of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I request the following :
Consumer complaint received 2022-01-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BMW Financial Services NA, LLC (FL)

This is a follow-up to the CFPB Claim Number I previously submitted, and I've attached the correspondence I had with BMW via CFPB REFERENCE XXXX XXXX / XXXX The XXXX XXXX XXXX XXXX XXXX I had already contacted your company as a natural person, consumer, and creditor, and my bank institution ( XXXXXXXX XXXX ) had also written you a letter stating that the payment had been completed on time, but you had refused to erase the incorrect late payment. To demonstrate the financial transactions that were performed, I have included the letter and my bank statements for the months of XXXX and XX/XX/XXXX. 
" XX/XX/XXXX '', '' '', '' ACH Transaction - BMWFINANCIAL SVS XXXX  PYMT XXXX '', '' XXXX '', '' '' " XX/XX/XXXX '', '' '', '' ACH Transaction - BMWFINANCIAL SVS XXXX  PYMT XXXX '', '' XXXX '', '' '' " XX/XX/XXXX '', '' '', '' ACH Transaction - BMWFINANCIAL SVS XXXX PYMT XXXX '', '' XXXX '', '' '' " XX/XX/XXXX '', '' After repeated arguments with BMW Financial Services, BMW Financial Services continues to report inaccurate late payments. This is a mistake in timing.
Consumer complaint received 2022-01-20
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. (LA)

I am filing this complaint as the 3 credit bureaus have violated my FCRA right, fair debt collection practices act and Fair credit and billing act. I have requested a full validation under these three laws for this account name here by certified on XX/XX/2021 and have not heard back from anyone. These are the disputed accounts XXXX XXXX XXXX Account number XXXX and XXXX XXXX XXXX Account number XXXX and XXXX XXXX  Account number XXXX I wish to see the following information related to this account such as what right does the company have to collect and to request them to stop calling until a full investigation is taken. If they can't comply as requested, please remove this account from my Experian credit report.
Consumer complaint received 2022-01-20
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. (TN)

Your investigation did not fix error in my credit file. I have informed you already that my report contains inaccurate and incorrect account that results of identity theft. XXXX already deleted this from my report and you should also comply with the law. This account must be remove and delete from my report asap.