davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Good morning my name is XXXX XXXX XXXX on XXXX XXXX at XXXX I received a email from capital one stating that my account ending in XXXX was being closed without any explanation. When I checked my email later that day and seen them email I called them at XXXX XXXX. I asked several time why was my account closed. The first person said that an internal review was done on my account and capital one has decided to end out banking relationship. I explained to them how can they just close my account without explanation she further more couldnt give me a reason. I called back again at XXXX the next person told me I was a risk factor completely different from what the first person told me. I called again at XXXX I was told I had to call in the morning and ask for an investigator so they can relinquish my funds. I called back at XXXX I was told that there is no way to connect me to an investigator. So making the last person I talked to statement not true. Lastly I called at XXXX with no update or time frame of when I willl receive my money. Im a single parent of XXXX children my youngest is XXXX months. She needs XXXX XXXX XXXX food to survive. Capital one took all my money and are treating me like a criminal. I feel like Im being discriminated for being a women and a XXXX XXXX. They have access to all my information and decided well shes XXXX XXXX lets close her account because of I see no reason why it was closed from the start. All my large deposits come from my job that I have worked for XXXX years. Im distraught over this I need help getting my money back please help me.
Consumer complaint received 2024-10-30
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. (PA)

Name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX DOB XX/XX/XXXX XXXX Date XX/XX/XXXX TO WHOM IT MAY CONCERN, I recently reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent accounts that I have no knowledge of. I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made. I believe I am a victim of Identity Theft.

These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts. This is in clear violation of my Fair Credit Reporting Act ( FCRA ).

I ask that the accounts listed below be removed because its in clear violation of The Fair Credit Reporting Act section 15 U.S. Code 1681i - Procedure in case of disputed accuracy. I ask that the accounts and inquiries be investigated thoroughly and as a result removed from my credit report.
Consumer complaint received 2024-10-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

SPS took over this mortgage from XXXX on or around XX/XX/year>. 
Right away the did an escrow analysis. they came back with a {$6000.00} shortage and raised our monthly payment from {$1700.00} a mon a month.th to {$2300.00}. shortly after this we started getting notices from our City Hall saying out quarterly taxes have not been paid and they were putting our name in the local paper stating this. this has happened 2 times since SPS has take over our loan. We are on a automatic payment plan were the take our payment each month directly from our bank account, so we are on time and paid up. I have made multiple call ( over 10 ) to SPS customer service for an explination, nobody cant explain the {$6000.00} increase, but we have to pay it or they will forclose. 
I have requested in writting to have our taxes and insurance paid by us and to no longer use the escrow account provided by SPS, and to this they said no. I would be ok just paying the XXXX XXXX XXXX to them and paying our city taxes and insurance myself.
Consumer complaint received 2024-10-30
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. (NY)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NY)

Dear CFPB, I am writing to file a complaint against American Express regarding their denial of Servicemembers Civil Relief Act ( SCRA ) and Military Lending Act ( MLA ) benefits for my XXXX XXXX XXXX XXXX account ending in XXXX, opened on XX/XX/year>. 

Background : My spouse was on military orders, and I submitted all required documentation to American Express to apply for SCRA/MLA XXXX XXXX Despite this, American Express has denied my eligibility for these benefits. This is in contrast to my experience with other financial institutions, such as XXXX XXXX and XXXX, both of which approved my SCRA/MLA requests and refunded the annual membership fees. 

American Expresss Response : American Express stated that my account does not qualify for SCRA adjustments because : The debt was not incurred by a Servicemember entering active military service. 
The accounts billing address is not in a community property state. 
I was not a covered borrower under the MLA at the time the card was acquired. 
My Dispute : I provided all necessary documents, including my spouse 's military orders, to support my application. According to SCRA guidelines, I believe that my account should qualify for benefits, especially since other institutions have acknowledged my eligibility under similar circumstances. American Expresss interpretation appears overly restrictive, as they are denying relief based on my spouse 's military status and the specific conditions they outlined, which do not align with how other banks handle SCRA/MLA benefits XXXX 

Impact : Due to this denial, I was charged the {$550.00} annual membership fee, which I believe should have been waived under SCRA/MLA protections. American Expresss decision seems arbitrary and inconsistent, particularly given that other credit card issuers have granted me these benefits without issue. I am requesting that American Express be held accountable for what I perceive as a denial of my rights under SCRA/MLA and that they provide a refund for the charged annual fee. 

I would appreciate your assistance in investigating this matter to ensure that American Expresss practices align with the protections afforded to military families under federal law. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (CA)

I noticed a fraudulent XXXX charge for {$510.00} on my Ally checking account on XX/XX/XXXX. This charge was not authorized by me, i have no idea who made it or what was purchased. Although the transaction was made through XXXX, it was NOT made through any XXXX account owned by me. Someone must have obtained my debit card info and made the purchase on their own account. I immediately tried to dispute the transaction with Ally, but I was told I needed to wait for it to post since it was still pending. I.e., I had to allow the criminal to finish stealing my money before Ally would try to do anything about it. After the fraudulent transaction posted, I formally filed a dispute. I was told it would take 10 business days to reach a result. I also contacted XXXX, who refused to provide any information on who made the transaction or what they purchased, even though they obviously have this information in their records. On XX/XX/XXXX, I received notification from Ally that my dispute has been denied. After an hour on the phone they have refused to provide any reasonable explanation for why their investigation sided with the criminal, or even what the investigation entailed. Essentially, Ally and XXXX are both blaming each other and doing nothing to solve the problem. Additionally : because my XXXX credit card payment bounced due to this issue, i was also charged a {$30.00} check fee to add insult to injury. 
I have now been waiting over a month to get my stolen funds returned to me with no help.
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On the date of XX/XX/year>. I deposit {$1200.00} ( Which were XXXX bills of a XXXX bill ). On that date I received a receipt saying I deposit {$1200.00} but in my account it shows nothing was deposited. I later asked for the footage from the ATM which clearly shows me depositing a pack or stack of {$20.00} dollar bills. They have accepted that I have deposited that amount but the bank does NOT want to accept that I did deposit that amount. so to this date they do not want to return the {$1200.00}.
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY (MA)

I inquired to seek clarification regarding the {$530.00} that was withdrawn from my savings account on XX/XX/year>. I have been apprised of an outstanding balance on my accounts, specifically {$130.00} for the checking account ending in XXXX and {$970.00} for the checking account ending in XXXX. TD Bank has conveyed that this balance is being managed by a third party, XXXX XXXX, and that it is my obligation, in conjunction with this entity, to rectify the matter. 

Upon further inquiry with TD Bank, the Recovery Department confirmed the aforementioned withdrawal from my savings account. I emphasized that we had established an agreement to effectuate the deduction from my checking account rather than my savings account, irrespective of the funds available in the checking account. I explicitly authorized the deduction to be executed from my checking account ; however, the withdrawal was erroneously processed from my savings account. 

Furthermore, I formally requested documentation of the outstanding balance, along with the telephone records that substantiate our agreement regarding the deduction from my checking account. During a recent visit to the newest TD Bank branch to seek additional clarification regarding this transaction, the staff at the XXXX location informed me that, due to my outstanding balance, they were unable to provide an elucidation of the transactions specifics. When I solicited documentation of the outstanding balances and the aforementioned phone records, I was advised to contact the TD Bank Recovery Department. 

Regrettably, TD Bank has not acquiesced to my requests for this pertinent information. I would greatly appreciate your expeditious attention to this matter and kindly request that you provide these details at your earliest convenience.
Consumer complaint received 2024-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC (TX)

when I called about why I was unable to use my cc I was told I had suspicious activity on my card and they stopped the use of my card in XX/XX/year>. The card was released, I was allowed to charge on XX/XX/XXXX and XXXX, and it was held again. When I called again they stated I had suspicious activity and they needed to verify who I was by sending my driver 's license to them. On XX/XX/XXXX I spoke with a representative on the phone and she provided me with the fax number to send my driver 's license I sent it at XXXX on XX/XX/XXXX. I asked the representative if they could verify if the fax were sent she stated that they could not and it would take 2 weeks to confirm the fax would be received and to call back in two weeks. I called back on XX/XX/XXXX and was told my account was closed because no documents had been received in 40 days. If I was not able to verify if the fax was not received from their end for two weeks but received a confirmation on my side why should my account be closed? I never reported fraud activity on my account and my account has been paid in full. There was no reason to hold my account, verify my account, or close this account if I never reported anything. The practices they are using are not fair to me as a consumer as I was not allowed in any part of decision-making or given accurate communication from them about the status of this account.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

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. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have made several attempts to update and correct my credit file from XXXX, XXXX and Transunion and all attempts have been unsuccessful. The Credit Agencies are simply stalling my attempts for accuracy and not conducting any type of investigation into the concerns that I have raised. I have provided documentation, namely my Drivers License, Social security card and Utility bill along with direct means to contact me. They are constantly and consistently ignored. As a result I am being denied for credit, paying higher interest rates and losing career opportunities. 

I have sent these request in XX/XX/XXXX, received electronic confirmation that the investigation would not be conducted. Ive tried calling in with no success and have allowed over XXXX business days for some type of investigation to take place.
Consumer complaint received 2024-10-22
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: EQUIFAX, INC. (WA)

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXXXX/XX/year>. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX XXXX - XX/XX/year>XXXX XXXX XXXX - XX/XX/year> Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section. 

I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries. 
Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.
Consumer complaint received 2024-10-14
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. (CA)

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX IL XXXX XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX TRANSUNION FILE NUMBER : XXXX RE : Trafficking Block Request Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my TransUnion credit report, is the result of that trafficking. 
Accounts : Account numbers : Date Opened XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX And the following inquiries was as a result of the trafficking and Im requesting it to be removed. 
INQUIRIES : DATE : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX I have attached a copy of my SSN card, Valid IDs, and a copy of signed self attestation form to prove I am human who has been a victim of trafficking, so I do not need TransUnion to say or write me and say they could not verify me or my account. 
Please block this information from my TransUnion credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of human XXXX  or XXXX XXXX  if the consumer has provided documentation of XXXX  to the agency. I have attached documentation of my self attestation to you TRANSUNION Survivors do not need to provide additional evidence to prove their connection to trafficking, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

KINDLY HELP ME. THERE IS AN ITEM OF INFORMATION BEING REPORTED WITHIN MY CREDIT REPORT THAT IS INCORRECT. THIS ITEM OF INFORMATION HAS PLACED ME IN THE WRONG LIGHT WITH NEW CREDITORS WHO ARE REVIEWING MY CREDIT APPLICATION AND NOTICING CONTRADICTIONS IN THE DATA REPORTED IN MY CREDIT REPORT. THEREFORE, I AM ASKING THAT YOU CORRECT THIS ITEM OF INFORMATION AND REMOVE THE INCORRECT INFORMATION.
Consumer complaint received 2024-10-14
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. (VA)

I am writing to formally dispute an item on my credit report, which I believe to be inaccurate and unverified. In accordance with 15 USC 1692g, I request that this item be removed or corrected unless the debt can be fully validated. 

The account in question is as follows : XXXX XXXX Number : Unknown Creditor Name : XXXX XXXX XXXX  XXXX As per the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. Until such time that the debt is fully validated, I request that all collection activities related to this debt cease and that this unverified debt be removed from my credit report. 

Please provide me with the following information to verify the debt : 1. The original creditors name and address.

2. A detailed explanation of the debt, including proof of its validity. 
3. Documentation that the debt is mine and that it is reported accurately.