davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My account with BK OF AMER was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 those account 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.

BK OF AMER 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
Consumer complaint received 2024-07-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

CAPITAL ONE OPENED XX/XX/2020 THIS ACCOUNT WAS COMPROMISED AND SOMEONE STOLE MY INFORMATION AND CREDIT CARD INFORMATION, MADE FALSE PAYMENTS THAT WAS RETURNED I TRIED TO RESOLVE THIS WITH THE COMPANY NO RESOLUTION.
Consumer complaint received 2024-07-21
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: JPMORGAN CHASE & CO. (FL)

XXXX XXXX Bank XX/XX/year> ^ Inquiry Details Inquiry Date Inquiry Type XX/XX/year> Individual XXXX Info @ XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX I have no relationship or knowledge of this inquiry and want it removed ___________________________________ XXXX XXXX SERVICES Bank XXXX XXXX ^ Inquiry Details Inquiry Date Inquiry Type XX/XX/year> Individual XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX I have no relationship or knowledge of this inquiry and want it removed
Consumer complaint received 2024-07-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CT)

There is a website called mohela.com that is very similar to the official student loan servicer website ( mohela.studentaid.gov ). I tried to register for an account, but was on the fraudulent website. During this process, I inputted my SSN, date of birth, name, phone number, and email address.
Consumer complaint received 2024-07-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (OR)

I reached out to Mohela because I have land that are part of the XXXX XXXX XXXX XXXX XXXX XXXX and I wanted to get the status of those loans that's supposed to get discharge but they keep telling me too contact studentaid. Gov.
Consumer complaint received 2024-07-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My Bank of America credit card has been compromised TWICE in the last 6 weeks. And, it is far from the first time this has happened! Each time, of course, I am forced to have my credit card cancelled, " for my protection, '' : and wait to get another credit card issued. This means, of course, I must take the time to contact any/all automatic payment sources to change my credit card information. Having to do this, over and over again, this time, IN SIX WEEKS TIME, IS TOTALLY UNACCEPTABLE! Why are credit card companies NOT REQUIRED TO KEEP YOUR INFORMATION SECURE?! Obviously, they are not. Obviously, it points to credit card companies employees being less than honest, as well. THIS IS TOTALLY RIDICULOUS! 

I know I have wasted my time, writing this complaint. Because NO Agency, private or government, will do anything to truly protect the consumer. Big Corporate America is too big and doesn't care about its customers. If your information gets STOLEN, it's no big deal to them. They aren't inconvenienced. They don't perchance get their identity stolen. Just an unfortunate sign of our screwed up times!!!!
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

CAPITAL ONE IS REFUSING TO UPDATE IN MY CREDIT REPORT AN ACCOUNT THAT IS NOT MINE ACCOUNT # XXXX OPEN SINCE 2019. 
BEEN DISPUTING THIS ACCOUNT FOR A LONG TIME
Consumer complaint received 2024-08-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Self Financial Inc. (AZ)

I've used this self card for 2 years closed that account started new one. 

I'm having issues with new self card. 
I paid 3 payments of {$35.00} to receive my self card. The first payment went through in XX/XX/year> {$36.00}. XX/XX/year> I paid {$64.00} plus {$36.00} because thought it was not accepting my payment. I paid {$35.00} for XX/XX/year>. 

I realized paid over the amount after I received the card after making Three on time payments of {$36.00} plus {$64.00}. I emailed them and they said they said they would apply this {$64.00} over payment to to the {$35.00} Payment To XXXX To XXXX. They did not apply {$64.00} To XXXX ... .... XXXX. That is why I have I have {$52.00} That is locking my account. I spent {$70.00} from credit line of {$100.00} and paid {$70.00} in XXXX. Card should not be locked. I paid in full.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining. 
"
Consumer complaint received 2024-07-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC. (GA)

I have been begging robinhood to release whatever security lock they randomly placed on my account. They have ALL my money, including XXXX funds, savings, and my emergency funds. I have had nothing left for almost XXXX weeks. I have tried calling all the phone numbers imaginable, but they all lead to an automated voice that says to request a callback from the app and hangs up immediately with no way of reaching an agent. On the app, there has been no button anywhere to request a callback. Ok desktop, I saw a prompt to call in at the top of my screen, but upon inspecting it, it did absolutely nothing. When talking to the chat bot, I could sometimes force it to show a request callback prompt, but it was *ALWAYS* grayed out. When I finally got a person in the chat, or at least what I think is a person, they would always paste back the same give me a moment to review your account. Followed by a the only way we can resolve this issue is over the phone please request a callback by following these instructions that led me to the same instructions that clearly showed no way of requesting any call. Eventually, I saw another pop-up saying take action on your account. I assumed that clicking it would take me to a form I could submit to verify my identity with documentation or something, but it just glitched out and said request sent. 


This allowed me to receive an email from another agent, who just gave me the same darn instructions over and over again. I did this about XXXX times until I got someone to reply to my emails. He said, I understand the app isnt working, use this link to upload your ID. I uploaded my ID and selfie, and then heard nothing for about a week. I spammed the emails again, and the agents said request a call back to unlock your account. After begging them over email many times, one of them finally replied saying, oh, you can just call this specific number, and give them our case ID to the computer. I thought I was saved! But no, sadly Robinhood had other plans. I tried calling that number on different days of the week and hours of the day, for an entire week. I received multiple different case IDs to try and call with but EVERY SINGLE TIME : That case number could not be verified Please request a callback on the app And then it immediately hangs up! 

This can not be real, there is literally no way for a customer to reach someone about a security lock. I feel really cared about not being able to pay my bills.
Consumer complaint received 2024-07-20
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. (GA)

unfortunately, I am a victim of XXXX XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-07-20
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I asked for proof of charge off and to update the balance to {$0.00} or delete the negative payment status on the accounts listed below. All they said was that the accounts were confirmed as accurate. They provided no proof and didn't update anything. 

CAPITAL ONE Credit Card with account # XXXX CAPITAL ONE Credit Card with account # XXXX
Consumer complaint received 2024-07-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: NAVY FEDERAL CREDIT UNION (TN)

In XXXX of XXXX I was informed by Navy Federal that I had to contact XXXX XXXX  XXXX XXXX regarding credit card debt. In XXXX I requested proof of debt. In XXXX of XXXX XXXX XXXX  XXXX XXXX sent me a pack of blank papers which was not proof of debt. On XX/XX/XXXX I received proof of debt. On XXXX XXXX. I was served papers being informed that I was being sued. I contacted XXXX XXXX  XXXX and inquired about the civil suit stating that I didnt receive proof of debt until XX/XX/XXXX, and by law I had 30 days to dispute debt. A representative at XXXX XXXX  XXXX informed me that they submitted the suit on XX/XX/XXXX XXXX days prior to sending me adequate proof of debt. The representative stated that they sent me proof of debt on XX/XX/XXXX, and I informed them I was not sent proof of debt thats why they sent it again on XX/XX/XXXX. The representative stated she did see where proof debt was sent on XX/XX/XXXX and XX/XX/XXXX but she was unsure why. I have not heard back from XXXX XXXX  XXXX XXXX since XX/XX/XXXX.
Consumer complaint received 2024-07-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: PNC Bank N.A. (NC)

PNC Bank Housing Complaint due to Bankruptcy and Foreclosure Financial Elder Abuse as the PNC Bank SCAM/FRAUD victim in the amount of {$900000.00}. Both PNC HELOC loans were part of the {$900000.00} PNC Bank SCAM/FRAUD . I submitted several Hardship Applications to the PNC Bank Loan Hardship Division : PNC Bank, XXXX XXXX XXXX, XXXX, Ohio XXXX. The division Single Point of Contact is XXXX XXXX, phone no. XXXX ext. XXXX, M-F, XXXXXXXX XXXX - XXXXXXXX XXXX  ET. The division email address is : XXXX. The XXXX XXXX, XXXX XXXX can be reached at XXXX. 

PNC Bank has declined to assist me with the Hardship Applications to date for the HELOC Loan, XXXX. Please note the PNC Bank HELOC loan was part of the {$900000.00} PNC Bank SCAM/FRAUD .
Consumer complaint received 2024-07-20
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Since the beginning of XXXX I was recommended to bank with a major bank in my local city to increase my chances of obtaining emergency loans. I needed to make my minimum payments and pay down my balance before the due date. I wanted to use my overdraft coverage until I receive my direct deposit to cover my payments. After several attempts ( and I spoke with representatives from both institutions ) the payments weren't completed as I expected. As of XX/XX/year> Capital One closed my account based on this activity when I explained to them multiple times about the hardships I was going through. I wanted to atleast wait until I receive my direct deposit to pay down my balance this month. I know that based on the regulations and my rights closing my account was completely unfair. This has elements of discrimination and I will be submitting a lawsuit with the district court of Arizona. Additionally i was charged various late fees that I had no full notification for. The usual late fee is {$25.00}. I am complaining because I have rigorously communicated my financial situation with the company along with making payment arrangements over the phone. It is unfortunate for them to make this bias decision. I know that this situation directly violate my consumer rights nor am I fully responsible for the account activity. The company could've easily complied and helped me with the situation, but the customer service representatives are undereducated about these situations. The rude staff also hung up in my face and lied. The company has even lied stating I didn't respond to a dispute request when I did. Later on the response ( documents ) were magically found and the dispute was settled. I shouldn't have to deal with this much especially with a credit card company. I was willing to pay down my credit cards with the funds in the account if the accounts weren't closed in such an absurd manner.
Consumer complaint received 2024-06-19
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. (FL)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2024-06-19
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. (VI)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2016-11-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (OK)

I have refinanced a second mortgage through XXXX, XXXX XXXX, XXXX XXXX XXXX My previous holder was NationStar at 11.5 %. This asset transfer was completed around XXXX/XXXX/16. NationStar, XXXX XXXX, confirmed with me yesterday, XXXX/XXXX/16, that they have received payment in full and would send me confirmation. I received an email from XXXX, ( That had a no reply hold of email reply ) that there was a balance of around {$270.00}, after she confirmed the balance was confirmed as paid in FULL. I am in the process of other refi 's that can not continue until we have confirmation of this loan payoff. I was very upset that NationStar did provide documents that this loan with them was paid off as per XXXX. When I spoke to XXXX today, XXXX/XXXX/16, as I was upset, she hung up on me. All I want is to have NationStar agree in writing that my loan with them is paid in full. It is very simple. They have their money. Please send confirmation. XXXX email has a no response lock on her email. They are worse than XXXX. 
XXXX
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 

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  and list of Inquiries. 

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 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OR)

On XX/XX/19 I got an alert about my credit report. After looking further I realized I had an unauthorized inquiry from XXXX XXXX. I already have an account with XXXX and I have not recently applied for any credit. I want this unauthorized illegal inquiry removed from my credit report immediately or I will not hesitate to take legal actions against Experian for this illegal Act. I did not give permission for this inquiry. Experian is in violation of several federal law including 15 USC 1681.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I started in XX/XX/2022 reaching out to the reporting agencies to get the information on my credit reports changed accurately. I contacted XXXX, XXXX XXXX, XXXX XXXX  dba XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I put 11 accounts into a debt consolidation they were all settled. The companies all but 3 that XXXX owned originally reported Paid settled- less than full balance. XXXX is reporting derogatory and charged offed as bad debt or in collections which is not the case. It appears on my credit report as if I can still be sued and like I havent settled or paid anything. I have the release papers stating the settlement. None of the companies are taking responsibility. XXXX says they gave it to XXXX XXXX, XXXX is saying they didnt take the payment XXXX XXXX dba XXXX XXXX  is saying theyre not reporting. Its a joke to them. If I want to make a big purchase its not a good look on my credit report I look like I didnt pay anything. I tried to be as responsible as possible considering my situation at the time. XXXX, XXXX XXXX, XXXX XXXX dba XXXX XXXX XXXX XXXX do the the right thing.