davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (AL)

On XX/XX/XXXX i checked my onlline banking with Truist. It was overdrawn {$320.00}. They had charged me for 6 overdraft fees for purchases i had made on XX/XX/XXXX. On XXXX i had balance of {$130.00} on XX/XX/XXXX i made 4 purchases ( XXXX ) {$45.00} ( XXXX ) {$20.00} ( XXXX ) {$27.00} ( XXXX ) {$17.00} this left me a balance of {$22.00} .On XXXX i made 1 purchase of {$22.00} my balance was {$0.00}. I went to XXXX XXXX and overdrew my account {$140.00} expecting a {$36.00} dollar overdraft fee. When i checked my account on XXXX XXXX truist had charged me over draft fees on all the purchases i have just mentioned. Even though the money was there to cover every purchase except the purchase at XXXX. Which i take full responsibilty for and was expecting. Truist wants to tell me it was because the transactions were pending even though the money was taken out when i made the purchases i am being charged for. They tell me Sorry nothing we can do. So i am paying {$180.00} in fees that the money was there to cover. They blamed it on the business that i made purchases from.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

recently I look at a copy of my credit report and i noticed several inaccuracies on my account. This account is hurting my ability to obtain credit.it is my understanding that will investigate these items for me to ensure accuracy. Here is the item i am asking you to verify as accurate XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-06-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Services Collections, Inc (TX)

To whom it may concern, I've attempted to dispute a collections account on my credit report from Account Services. I never received notification of this collections account until I submitted a dispute through XXXX. When I received the letter from Account Services it provided a website to pay the debt however, this website does not exist. The following message is received when attempting to visit the website " XXXX server IP address could not be found. ". I've attempted to call the number provided on the letter and was sent to a voicemail in which I left a message and have not received a callback. It is unprofessional and ridiculous to provide a false website in your companies letters to consumers and then not return phone calls. I'm in the process of purchasing a home and was attempting to get this resolved ASAP however, Account Services has made this difficult. A business should proof read their customer letters, ensure they're providing correct and accurate information and have someone actually answer calls. I can't even resolve the account because the website provided on the letter is fake. I've been misled. I demand this collection be removed from my credit report.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 

As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 


1. Under penalty of perjury I swear this account is false and misleading XXXX XXXX Account Number : XXXX Please remove it from my credit report. 




I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is ILLEGAL, as each dispute and challenge must be addressed INDIVIDUALLY and on its own merits. My letters were created by software thats created for everyone. 

If you dont process my letters, you are VIOLATING 15 U.S. Code 5 1681. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party, may be available. This is NOT a legal exception. 

I am the AUTHOR of any letters you receive with my name on them. Either I or my advisors wrote them with my FULL KNOWLEDGE and CONSENT. I am aware that there is no law that says you need to provide a POWER OF ATTORNEY in order to delay processing letters from a consumer. IF YOU DO NOT PROCESS MY LETTERS IN A TIMELY MANNER, I WILL consider it to be an INTENTIONAL disregard for my rights. 


Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection BureauXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau CC : Attorney General 's Office CC : State Senate CC : Federal Deposit Insurance Corporation CC : Controller of the Currency CC : Federal Reserve System CC : Credit and Insurance CC : Federal Trade Commission CC : State Regulatory Agency
Consumer complaint received 2024-10-08
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have a store credit card that I have had for a very long time. I have great credit. But all of a sudden I get a paper in the mail that I am getting a new card. I thought okay. So I waited. All of a sudden I get a Capital one card in the mail and it says that THIS is my new department store card. To activate it & dispose of my old card. Well I didn't want that card and I threaded it. Few days later XXXX XXXX sent me an email to check my credit changes. So I did. Capital one CLOSED my department store card and put their card in its place. Made it look like just the account number changed. They even changed the dates to show that I have had this card like I did the original one. I contacted Capital one told them to close that account. I wanted nothing to do with their 38 % interest credit card. Told them I wanted my department store card opened back up. They said they would but I have yet to see this happen.
Consumer complaint received 2023-10-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (TX)

The complete lack of support and aid is so infuriating. Im screaming into the abyss now. As a XXXX yr old trying to take advantage of the SAVE plan, Im ripping my out my hair making more of an effort than the greedy scam loving company Im so lucky to have borrowed money from. Do better. Were all deeply struggling. The entirety of the world is in debt. WERE ACTIVELY FUNDING A GENOCIDE WHILE OUR OWN PEOPLE CAN NOT AFFORD THE RIGHT TO LIVE AND THEY DIE HUNGRY. Keep protesting, keep questioning, keep caring. The true oppressor is money.
Consumer complaint received 2023-07-27
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. (NY)

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. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2024-09-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I am a Bank of America customer since XXXX. I have a current account and a savings account. I am not living now in the US so I manage almost everything through online banking and I use the customer service phone number only for specific reasons. Earlier this year I called Bank of America and asked if there was any extra security method I could use for my savings account. The answer was that I could freeze the account as we were talking on the phone to prevent any funds being transferred from that account until I call again and unblock the account on the phone. I agreed with that and blocked the account. 

In XXXX, I called the bank to unblock the account because I needed to transfer some funds to my current account. To my surprise, they asked me for a US cellular phone number to receive a text to authenticate me. They never asked for that in the past. Actually, they always required answers to security questions and asked personal questions like passport number, card number, etc. Since that first call in XXXX, I have made dozens of calls, I have asked to talk to supervisors, I have talked to the fraud department and so on. I have offered them any other method to verify my identity, even a video call where I can show any of my bank statements, my passport and any other ID, whatever they require. The answer is always No. I have also asked them to use their sister bank in XXXX ( XXXX XXXX ), so that I can go to any bank office here and give them personally any document that helps Bank of America to authenticate me and unfreeze my savings account. 

I have tried to use a XXXX XXXX number and a XXXX XXXX  with a US phone number, but they work as virtual numbers and do not accept authentication texts from banks. The bank says I need to go to a bank office in the US to solve the problem. 

I do not have the possibility now to flight to the US to go to my bank office to unblock an account they recommended me to block. Do you really think that is a possibility? 

They are withholding my money and who knows if this is a strategy to control the access customers have to their own money.

Imagine my frustration. I had to ask a friend living in the US to transfer funds to my current account at that time. I really appreciate if you can help me to solve this problem since traveling to the US is not a possibility for me now due to sev
eral personal reasons.
Consumer complaint received 2024-10-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I bought my car with an auto loan through Capital One finance in XXXX, my mom was originally a co-signer on the account, she has since passed away on XX/XX/XXXX. I have called Capital One several times asking them to take my mom off the loan and stop sending mail addressed to her to my dads house. I have also asked everytime I called if they needed me to send them a death certificate and they say no that they will verify the death. It is incredibly distasteful and upsetting to constantly get mail with her name on it every month when I have been assured by Capital One representatives that she will be removed from the loan and the mail addressed to her would stop.
Consumer complaint received 2024-10-08
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 (VA)

Capital One will not accept a transfer of reward points back into my account. On Saturday, XX/XX/XXXX, I transferred the points to pay for an advertised fare on XXXX XXXX. After transferring the points, I was unable to purchase the fare. I called XXXX XXXX, which informed me that the advertisement was a glitch and not actually available. They confirmed that, until I transferred the points, I would not have been able to see that it was a glitch. They would not honor the fare. But they would transfer the points back to the originating card. Over the next several days, XXXX XXXX attempted to transfer the points back to my Capital One Venture XXXX  card. On Tuesday, XX/XX/XXXX, XXXX XXXX stated that Capital One was reviewing the attempt to transfer the points and would not accept the points. I called Capital One on Thursday, XX/XX/XXXX, and was told that my request was under review. I was told that process could take 10-12 days. I called back on Monday, XX/XX/XXXX. I was told that the request had been escalated, but was still under review. I called back on Thursday, XX/XX/XXXX, Tuesday, XX/XX/XXXX, and Monday, XX/XX/XXXX, and was told the same thing. I transferred XXXX points, which is a very significant amount and valued at roughly {$1100.00}.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-10-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (OH)

XX/XX/XXXX per phone conference with supposedly the student loan Manager for Firstmark Services. Original loan was received from XXXX XXXX and was put together by my son and XXXX University in the amount of XXXX. We believe, as real estate agents, that we got the loan on a fixed rate of 6 % back in XXXX. The XXXX loan, with a balance of XXXX, will never be paid off by this former XXXX University student that was not able to graduate because of health. 
Speaking to the Manager your treated as a reasonable XXXX by asking for assistance about an original fixed 6 % interest back in XXXX. Trying to review records from that time and from that lender, XXXX XXXX, can not be accomplished by us. This is why were asking for help because we are co-signers supposedly and Firstmark Services believes its okay to use XXXX XXXX transfers to an interest rate of almost 13 %. I truly hope there is an error and I hope its not my XXXX and hard working family at fault. I would appreciate help and I almost wish we didnt have to go through unhelpful master of profit Firstmark Services . Thank for your help.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (IL)

I am writing to complain to FACTUAL DATA about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX, and my social security number is XXXX. The FTC report number related with this complaint is XXXX .I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Open Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights!

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Consumer complaint received 2023-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have recently reviewed my credit reports on XX/XX/ from TransUnion and have identified unauthorized inquiries that have appeared on my TransUnion credit profiles XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not provide consent for these inquiries, nor do I have any affiliation with the entities or individuals responsible for them. As a result, I believe these inquiries are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I understand that the FCRA requires credit reporting agencies to maintain accurate and up-to-date credit information, and unauthorized inquiries have the potential to negatively impact my creditworthiness.
Consumer complaint received 2023-10-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ARVEST BANK GROUP, INC. (MO)

On Sunday night I discovered someone was trying to deposit a electronic check my checking account at my bank and me and my bank also discovered other transactions that wasn't my doings and we filed fraud on the but however I am over my head in debt because someone has stolen my identity and my account information and and I have XXXX payday loans I can afford cover them and this problem at bank with identity theft and so I am {$7000.00} over my head in debt because identity theft scammers and hackers and thieves and credit bureau has my credit history all mess up where I can not consolidate my debts with a loan by letting these hackers and scammers use my identity to gain credit or do hard pulls and XXXX XXXX they are a liar I paid them every time each time on time but however I couldn't be at XXXX XXXX in 2023 I lived here in XXXX  Missouri then so please help me
Consumer complaint received 2023-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX I mobile deposited a check for {$40000.00} into my primary Chase checking account ( which also has my wife 's name as a co-owner of the account ). My mobile deposit limit is {$75000.00}. The check was written on my wife 's account at XXXX XXXX XXXX. 

I received instant confirmation that the check had been accepted but none of the amount was immediately available. ( I did not object to a short delay. ) Within 48 hours the money was pulled from my wife 's account and I received notification that there was an " extended '' hold on the funds until XX/XX/XXXX. 

Since XX/XX/XXXX, the money has been in limbo ; not in my wife 's account, not in our joint account. 

There was no explanation from Chase as to why they placed an " extended hold '' on my funds and in fact, I received no communication at all from them. On XX/XX/XXXX I contacted Chase online about the ridiculous hold and they directed me to the " fraud '' department. 

Today I called the fraud department and inquired as to why there was a hold. They refuesed to answer with anything more than " policy ''. No explanation of what that policy is or why it was invoked in this situation. Moreover, I asked where the money was since it was neither in my wife 's account or our joint account. They again refused to answer. 

I was then asked what the purpose of the check was. I advised that was none of their business. 

After being on hold for XXXX minutes, Chase advised they had called XXXX XXXX XXXX and confirmed the check and had released the funds to our joint Chase account. 

There was literally NO reasonable explanation offered for why the extended hold was placed, or where the money was ( we know of course Chase had the money and was enjoying an interest free loan of {$40000.00} ). 

This was a remarkably insensitive " it's just our policy '' explanation and ignored the fact they were clearly illegally denying me access to my funds. 

As the " customer service '' fraud agent proudly congratulated himself on getting my money released ... ..I asked ... .since it was that simple, why didn't you do this 7 days ago rather than deny me my funds? No answer. 

This just can not be allowed to continue as a business practice.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

XXXX, Equifax and XXXX is reporting incorrect addresses on public information. XXXX  XXXX is reporting incorrect addresses and not reporting correct information per FCRA. They are reporting inaccurately and should remedy this issue. Information is totally incorrect.