davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

1. XXXX ( Father ) came to GA with me to check out the XXXX XXXX XXXX  and agreed to move my Mother here to a facility called the XXXX XXXX XXXXXXXX. He also agreed this would be his new home in the assisted living portion of the facility. 
2. He wired the funds for entry and first month to the facility {$10000.00} @ the XXXX of XXXX. 
3. I signed the contract per his request and wire transfer of the funds ; I received the funds got a cashiers check from my account and paid the facility signed the contract. 
4. 7-10 days later he decided he changed his mind. His physician still had not responded to the form noting need for guardianshipconservatorship of him. Keep in mind the contract was signed. 
5. I spoke with XXXX XXXX ( nursing home on XXXX XXXX in XXXX ), and they told me I was free to get my mother with Medical POA as she already had an accepting facility. 
6. My sister and I came and got her on the XXXX of XXXX and she now resides at the XXXX XXXX XXXX. This was with confirmation from his physician that he was in need of guardianship/conservatorship ( I mailed you the official document XXXX ). Apparently the decision was shortly after I sent the form back in late XXXX. The physicians office actually called my sister at her work in Florida for us to send a notary to notarize the guardianship/conservatorship form. 
7. My Father then decided to file a fraud against the transaction he wired to my account to pay for the XXXX XXXX XXXXXXXX. My accounts are all frozen until the investigation between my bank ( Truist ) and XXXX XXXX XXXX XXXX is complete. The holidays delayed that as he filed around the XXXX XXXX of XXXX. Of course the facility already has the funds from the transaction. As you can imagine that has really messed things up for me, and has prevented me from even receiving my funds from work as my account is frozen. I had to open a new account with a new institution. 

I took all supporting documents into my local Truist branch. The branch manager at XXXX XXXX XXXX, XXXXXXXX GA  XXXX ( XXXX ) XXXX scanned my documents of proof including XXXX XXXX of my father and invoice from the assisted living facility ( XXXX XXXX XXXX XXXXXXXX ). Truist has a copy of the cashier 's check made to the exact amount of the wire transfer for the care of the man that filed the false fraud claim ( my stepfather ) and my mother. Despite all efforts and over 100 days passing, my account is still frozen. I have called no fewer than 20 times since the account was frozen on XXXX XXXX XXXX They claim it is in the hands of their corporate fraud division and there is no contact number for them. They have sent no corespondence to me as to when there will be a resolution although they told me it would be unfrozen within 90 days from the customer service side. Truist is refusing to release my funds with NO explanation. It doesn't take 4 months to determine the truth and they refuse to update me or tell me when I can remove my funds and close my account.
Consumer complaint received 2023-04-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc. (NV)

I paid {$1500.00} in the beginning of loan to pay in advance and CPS misapplied payments and took XXXX $ in interest! 

Since that time XXXX 2022 its been a battle to have them reapply the payments correctly! 
Past 4 months paying what they tell me.. still goi g to interest instead of principal! 

Threatening to repossess and many late fees and misapplied payment!! 
I even qualified and signed documents to put one payment at the end of loan No ONE IS HELPING ME and it causes me stress and financial hardship!
Consumer complaint received 2024-08-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

On XX/XX/XXXX I purchased some items from XXXX with my XXXX  card for the amount of {$1100.00}. The same day my Bank of America card got hacked and they caught some suspicious transactions. This is where the confusion begins because XXXX charged by BOA card instead of XXXX. I wasnt aware of it. BOA called me and asked me if I recognized 3 charges, 1 of them being XXXX  charge. I said I didnt use my BOA for all 3 transactions. BOA filed fraud claim and refunded me the money back. But on the other hand XXXX told me XXXX  declined thats why they had to use backup payment method, which was BOA. As per XXXX advice I returned the items and withdrew the fraud claim. On XX/XX/XXXX I got an update from XXXX saying that, they refunded my {$1100.00} to my BOAs card. I checked with BOA because I didnt see it in my account they said it might take 4-5 days. I waited since when I didnt see any refund I went ahead and filed a dispute on XX/XX/XXXX. On XX/XX/XXXX I physically mailed them the proofs and on XX/XX/XXXX I uploaded the proofs. Since then I have talked back and forth with several agents. I can provide their id, names and dates. However after all that they denied my case. On XX/XX/XXXX I reappeared and they denied my case again. The reason for denial is : I did not claim within their required time frame. But this is not true. I filed in time, sent and uploaded all the proofs. However, each time I call they they say they see where the mistake happened and wait 45 days and I will get my money back. 45 days at a time has added up 9 months. This is when I got fed up and shared my story with XXXX, there someone told me about this website. I am here with high hopes. I have audio recordings of all those phone calls too. I have posed some of it in my XXXX account too. I spent {$39.00} to promote my video related to this topic on XXXX, which I wouldnt have had to make or promote if they had done the right thing.
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I contacted Bank Of America on XX/XX/2020 about an unauthorized withdrawal of my account in the amount of {$15000.00}. Upon contacting them the moment I realized the problem, I was told that I had to order a new set of cards because my accounts have been breached and that this was the only way to secure my account. so I went ahead and order new cards as well as opened new account numbers per Bank of America 's wishes. upon doing so I was told that the video footage from the Bank of America would be accessed so that they could review it to make sure it was in fact a unauthorized transaction. Once I have done this I thought that I was in good hands. Only find out that that was not true in fact here we are just about two years later and I've received several harassing phone calls from reps and no mail correspondence from them at all on this matter. I've been down to the bank in person but couldn't get any in-person help I've called over the phone to only get belittled on knowing what I'm talking about as well as now every account I've had with them forcefully closed and I have no access to the records of the transaction. the money taken out of my account was for my kid 's school programs clothes XXXX and things of the sort .... I didn't expect customer relations to be so harsh and direspectful dealing with there customers.
Consumer complaint received 2024-08-12
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: Experian Information Solutions Inc. (NY)

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified XXXX XXXX format reporting standards. 

Your agency is in violation!

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 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

My account with XXXX, XXXX, XXXX & XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX, XXXX & XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Consumer complaint received 2024-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-17
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. (FL)

I received a letter from XXXX XXXX  signed by a " Customer Experience Advocate named XXXX '' with no last name or ID number provided, and I was not given a direct contact number. Instead, I was directed to a general number, which led to being transferred multiple times and kept on hold for over an hour without any resolution. 
The letter claimed that XXXX XXXX  had attempted to contact me, which is inaccurate. I received one call from a XXXX XXXX employee that I missed, and my answering service recorded the call. The employee left a message with a callback number, which I did reach out to. However, I only got an answering service, left a message, and received no further communication. The employee did not follow up or leave additional messages. 
Additionally, the letter asserted that the settlement letter had been reviewed and that the online telephone number was correctthis too is incorrect. A quick call to the provided number reveals it to be for a XXXX XXXX  scam. 
The letter also mentioned that I refused to be recorded. This happened because they would not permit me to record the conversation while they were recording it.
Consumer complaint received 2023-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/23 I applied and was approved for a capital one quicksilver secured credit card. Also on XX/XX/23 an amount of {$500.00} was taken from out of my checking account as a deposit towards my secured credit card. I Received a email on XX/XX/23 saying my new secured credit card was shipped. On Friday XX/XX/XXXX I received 2 envelopes one with my new quick silver secured credit card and another envelope from capital one stating " Dear XXXX XXXX XXXX we are closing this account because we have observed activity on your account that is not consistent with our expectation of usage for personal, family or household purposes. Please stop using this account immediately and destroy any cards and checks associated with it. '' A year or two ago I previously had an account with capital one with a balanced that was paid in full but it was closed with not explanation. So I was a little taken back after the fact that not only I put in my personal information but I received a approval email and I gave capital one {$500.00} just for them to send me a card in the mail and then closed my account. I spoke with a capital one fraud prevention representative named XXXX on XX/XX/23 and asked him is this a recorded line and he replied yes and I asked him how is my deposit is going to be sent back to me and how long it takes. XXXX responded and said capital will send me a check after 2 billing cycle which means 2 months and XXXX also explain to me he can't give me any further information why my account was so suddenly closed so he transfer me to his supervisor which her name is XXXX and I explained to XXXX my situation but there was nothing she could do as well. Not only that I am being inconvenienced because capital one didn't do their due diligence and deny me once they received my social security but now I have to push bills that I was planning on using the card with back but I also have to wait almost 3 to 4 months for me to even get my money back into my account without any receipt saying if my refund is on the way and no explanation on why my account was closed and I can't no longer use my new card.
Consumer complaint received 2023-04-14
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: EQUIFAX, INC. (TN)

accordance with the Fair Credit Reporting act XXXX XXXX XXXX acc # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Disputed the inaccurate information and the credit reporting agencies has failed to comply and correct the status of my consumer report. As this is a direct violation of 15 U.S code 1611 willfully and knowingly reporting inaccurate information damaging the credit worthiness of the consumer
Consumer complaint received 2023-09-28
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. (FL)

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately!
Consumer complaint received 2023-04-06
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. (TX)

I do not recognize this account. Never had an account with this lender and I have never done any business with this collection agency that is trying to collect a debt I do not owe. Attached is my FTC report and letter. 

XXXX XXXX Account Number : XXXX Amount of alleged debt {$1000.00}.
Consumer complaint received 2023-04-15
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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 information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00}, XXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-04-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

XX/XX/23 A checking account was opened under my name without my approval. I do not know how my social security number got leaked. I reached out to the FTC as soon as I found out. I was unable to find a checking account number because it is not letting me change my password
Consumer complaint received 2021-01-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

BOTH XXXX  AND TRANSUNION DROPPED MY FICO SCORE SIGNIFICANTLY WITH NO SUBSTANTIATED REASON. NOTHING ON MY REPORTS HAS CHANGED IN THE LAST MONTH OTHER THAN ME PAYING OFF MY XXXX XXXX XXXX  TO XXXX Balance. 

I HAVE 100 % payment history, No derrogatory remarks and my credit card utilization is 0 %. ARE THEY ABLE TO TELL ME WHAT DRASTIC CHANGE HAPPENED< THAT THEY ARE NOT REPORTING IN ORDER TO DROP MY FICO SCORE SO SIGNIFICANTLY? 

TO ME, its a form of bullying and harassment. THEY JUST ADJUSTED IT in XXXX AFTER MY COMPLAINT HERE. WHY DO THEY KEEP DOING THIS KNOWING IM GOING TO COMPLAIN HERE?
Consumer complaint received 2023-04-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC (IA)

I am a FEDERALLY PROTECTED CONSUMER I am making this complaint against CAPIA PARTNERS ACCT # XXXX. I reject your offer to contract I did not consent to any nonaffiliated third party CAPIA PARTNERS ACCT # XXXX to be in possession of my Nonpublic Personal Information. I never gave permission to CAPIA PARTNERS use or to be in possesion of any of my identifying information. This is a Violation of GRAMM- LEECH- BLILEY ACT XXXX FDCPA STATES THAT CAPRIO PARTNERS SHPOULD HAVE MY CONSENT TO CONTACT ME PRIOR TO CONTACTING ME WHICH THEY DO NOT HAVE. I don't even know who they are or why there harrassing me. This is a notice to cease and desist all illegal activity and communications. I am not requesting validation of any alleged debt as I KNOW NOW that by them obtaining my Non Public Personal Information without my lawful authority constitutes Aggravated Identity Theft 18 USC 1028A. XXXX XXXX XXXX SOLD MY NON PUBLIC PERSONAL INFORMATION TO CAPIO PARTNERS AND CAPIO PARTNERS BOUGHT MY NON PUBLIC PERSONAL INFORMATION ". Based on that I now have reason to believe that THEY ALL are conspiring against me trying to collect on a EXTENSION OF CREDIT through UNLAWFUL extortionate means. There is no TRILATERAL CONTRACT BETWEEN US THAT STATES I HAVE THE LEGAL OBLIGATION TO PAY CAPIO PARTNERS. THE FAIR DEBT COLLECTION PRATICES ACT ( FDCPA ) AND THE FEDERAL TRADE COMMISION ( FTC ) AND CFPB WERE CREATED TO PROTECT FEDERAL CONSUMERS LIKE ME FROM THESE PRATICES. CAPRIO PARTNERS DO NOT TRY TO PUT THIS ALLEDGED FALSE INFORMATION ON MY CONSUMER REPORTS. I AM PREPARED TO SEEK JUSTICE AND DEMAND ALL MY FEDERAL RIGHTS BE PROTECTED, AND ENFORCED AND IM CALLING ON THE CFPB TO ENFORCE AND POLICE MY CONSUMER FEDERAL PROTECTION RIGHTS. I DONT OWE THE CAPIO PARTNERS ANYTHING AND UNDER HIPPA LAWS CAPIO PARTNERS SHOULD NOT HAVE RECORDS OF ANY MEDICAL PROCEDURES PERFORMED THEY ARE NOT MEDICAL PROFESSIONALS AND DO NOT HAVE RIGHTS TO MY PRIVACY. CEASE AND DESIST ALL COMMUNICATIONS NOW.