davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had multiple missed payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ). I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I deposited a check for over {$5000.00} and the bank held the entirety of the funds for an extended period. 

The general policy allows for partial funds to be used via debit card and electronic payments. However, there was a hold placed on the entire balance preventing me from accessing my money in a timely manner. 

I believe that this is a discriminatory practice, against people who are low income. 

I have made regular direct deposits into the account and have maintained the account for multiple years. 

I think this hold is an infringement on my ability to access my finances as I need to do so in an emergent situation. 

This is unacceptable, and the financial institution should be held liable for any distress that this has caused.
Consumer complaint received 2024-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

Old Staement : My Capital one debit card was stolen XX/XX/year>. I filed the dispute XX/XX/year> with capital one. The fraudulent charges in the amounts {$2500.00}. and {$3200.00} was disputed. At the time that I disputed these, I was very XXXX. I had just got out of the XXXXl and was on bedrest when all this happened. I informed capital one to the best of my knowledge about the transactions and what had happened with my card. When I started to feel better I called the merchants myself. One of the merchants told me that it was a male that had use my card to check into a hotel. Capital one never did an investigation about this and denied my claim. Capital One did not protect me and my funds. Capital one gave me a credit for half the money back and then did My clean the next day or the same day?. New statement : Capital one has not investigated early. They are assuming things and they know that I did not make these transactions and thats someone else done so. My entire bank account and online access was compromised. One has not done anything about this, but gave me half of my money back and are threatening to take that back on XX/XX/XXXX. They never contacted the hotel where all my funds was used by a male. I spoke with the hotel myself, they informed me that a male used my card to check in. My XXXX hacked my online banking and locked me out also. Its like Im doing the investigation myself. This is not right. I need my money back.
Consumer complaint received 2024-01-25
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 don't want to have this on my credit XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX  XXXX  - XXXX XXXX  XXXX - XXXX
Consumer complaint received 2024-06-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have not missed a payment and have excellent credit. Without notice, Capitol One has decided to update their phone app and website to not allow debit card transactions, forcing users to accept direct XXXX billing as an option instead, or you can call the company to use debit card as an option. I have never granted access to my checking account directly and this poses a security risk if the transaction somehow is flawed which could result in a hold on the funds for 3 days instead of and instant transaction. The removal of the debit card payment option seems designed to push users towards using direct XXXX transfers for their convenience and I assume cost. It concerns me about fairness and consumer choice. While companies have the right to change their policies and services, they must do so transparently and fairly, without unfairly disadvantaging their customers. I and others received NO NOTICE. I do not authorize this invasion and it opens up the possibility of fraud if Capitol One leaks the data. 

I request that I continue to be able to use debit as an option on the phone app as a resolution. 

Complaints from others can be found here. 
XXXX XXXX XXXX Sincerely, XXXX
Consumer complaint received 2024-06-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

What happened? 

I am filing this complaint because Capital One has arbitrarily closed two of my credit card accounts without prior notice or sufficient justification. These closures have negatively impacted my credit score and financial stability. I believe this action violates my rights under several consumer protection laws. 

USC Codes and CFRs Applicable : 15 U.S.C. 1691 ( Equal Credit Opportunity Act ) 15 U.S.C. 1601 ( Consumer Credit Protection Act ) 12 CFR Part 1002 ( Regulation B ) 12 U.S.C. 1431
Consumer complaint received 2024-06-10
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: WELLS FARGO & COMPANY (NY)

I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like i'm being taker advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-06-10
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (PA)

I reported to wells fargo that my credit card account was used fraudulently and that the amount of debt that was incurred was not mine they immediately acted and closed said account due to fraud that was also tied too a court case that included the person who committed it but they are now trying to make me liable for a debt they already closed and knew was fraud and this wells fargo account is now back on my credit report which also is against the law being that a judge court ordered that this debt is relinquished im reaching out to have you enforce that wells fargo complys with the law i also have my attorney looking into this but wfbn wells fargo account should not be on my credit and there should be no report of this matter at all
Consumer complaint received 2024-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MoneyLion Inc. (AZ)

I have been trying to get this sorted with Moneylion since XXXX  they signed me up for some Credit builder loan and an investment account which I didnt authorize and then when I stopped payment with my bank because of unauthorized charges Al of the sudden I have a collections account when I contacted Moneylion they were not helpful I sent them all the information they asked for and they said they would be in touch and then never contacted me again. So when I disputed this again recently I requested the same thing and they again stopped responding. This has ruined my credit and they have no proof and it keeps changing statuses etc. this company is a scam and they are illegally opening accounts without customers knowledge and then refuse to do anything
Consumer complaint received 2024-06-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (CA)

I am writing to report Shellpoint Mortgage servicing for providing inaccurate regular monthly payment on their first statement to me since my loan was transferred to them on XX/XX/XXXX. 

Prior to that I was making my mortgage payment to XXXX XXXX. I also want to note that even though I was making my payments to XXXX XXXX, the loan was assigned to XXXX XXXX  XXXX XXXX. 

I am currently in bankruptcy proceedings and in XX/XX/XXXX, XXXX Mortgage XXXX filed for a motion to dismiss the bankruptcy prior to confirmation due to a delinquent amount with XXXX XXXX for {$12.00}, XXXX. 

Per email from my bankruptcy attorney, she informed me that she had a tentative agreement with the counsel for XXXX XXXX  XXXX XXXX that if I got current on the first mortgage payments, that they would withdraw their objection. 

I made the payment to XXXX XXXX for the amount stated by XXXX XXXX  counsel for {$10000.00} ( XX/XX/XXXX to XX/XX/XXXX ) and then also added another {$2100.00} to cover for the XX/XX/XXXX mortgage payment. 

Thus, the next mortgage payment was not due until XX/XX/XXXX. 

I logged on to the XXXX XXXX payment portal on XX/XX/XXXX to make the payment and got this message The loan status does not allow for online payments. Please contact customer service at XXXX to learn about your options. I called the number and this is when I learned that my mortgage had been transferred to Shellpoint Mortgage. 

I immediately shellpoint mortgage and created an online account to make the mortgage payment for XX/XX/XXXX. This is when I found the wrong monthly mortgage payment represented on the mortgage details page. 

I have well documented evidence that I was fully caught up with my mortgage payments with XXXX XXXX XXXX  and I would like for Shellpoint Mortgage to explain how they came up with a regular monthly payment of {$6400.00} instead of {$2100.00}. 

Their co-operation is this matter is highly appreciated. 

Please see attached documents to support my complaint.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

In accordance with the fair credit reporting act this creditor has violated my rights under 15USC 1681 Section 602 states I have the right to privacy. 15USC 1681 Section 604a Section 2 also states the consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Account number - XXXX XXXX XXXX XXXX Fifth third Platinum Credit card Account number - XXXX XXXX XXXX XXXX XXXX credit card
Consumer complaint received 2018-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (NY)

the debt collection company has written me several times and I have told them that I didn't owe the debt. that I had cancelled the online course within 3 weeks. I had provided proof to them and I was told that I still owed the full amount of XXXX I have asked them to stop contacting me and that I only wanted to deal with the original creditor. I have reported this to the credit bureaus as well. meanwhile this company continues to update my credit file every month. I even requested that they show me proof that I owe this debt and as of today they haven't, meanwhile the company don't even have me in there system of oweing them anything
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (NM)

XX/XX/year> {$260.00} 15 USC 1692C ( c ) If a consumer notifies a debt collector that the consumer refuses to pay a debt collector must cease all communication.
Consumer complaint received 2024-06-09
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (CA)

I had the internet service from XXXX XXXX, I sold my house and I cancel the service with XXXX, I send back the boxes by mail, a few months later I receive a letter from a credit collection services that I owe {$50.00} dlls to XXXX, I ask why this is on collection if I send back the materials to XXXX, they dont have an aswer for me, I request something in writting of why I owe money, this was like 3 or 4 weeks ago I still dont receive any documents on my house, I this collections has to be delete from my credit report, and if I owe the {$50.00} dlls I can paid them but I need to know why and if I pay they need to erase the collection from my credit report because I think is nor fair, thank you
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (PA)

XXXX XXXX sent me information via CFPB portal addressing my request for Date of First Delinquency regarding accounts listed below. 

XXXX XXXX Comenity Bank/Express XXXX Showing XX/XX/XXXX- as the Date of First Delinquency ( See Screenshot ) But are reporting a Date of Last Payment as XX/XX/XXXX. 
My question is how can Comenity Bank report Date of Last Payment as XX/XX/XXXX yet State the Date of First Delinquency as XX/XX/XXXX. Obviously, the Date of First Delinquency should be the month after which makes it XX/XX/XXXX not XX/XX/XXXX, which is 7 years. Remove this account for inaccuracy. Both dates can not be accurate. 
XXXX ) Comenity Bank / Victorias Secret. 
Delete account it is surpassed 7 year period I also request PROOF such as Bank Records from Comenity Bank that substantiate that the Date of Last Payment was in the year XXXX and they are not making any sense as they are proving further that this account was RE-AGED!!!! Again this account is NOT MINE and is more than XXXX XXXX XXXX. 
Comenity Bank speaks of waiting for information from me. 
I received a request after already attesting that I have XXXX income and can not work due to covid complications from a inpatient stay for 7 days in XXXX XXXX  XXXX. hospital. 
I already submitted this information via CFPB Portal in writing. 
That should be enough!! 



In case this account I am disputing is VERIFIED, I in advance request from your credit reporting agency ALL records that will reveal the procedures used to verify account. 
I am also requesting the name ( s ) of the person ( s ) you spoke with along with the Business Name, Telephone Number and Address.Ths request is in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).
Consumer complaint received 2024-07-08
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. (NY)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in Wagner v. Trans Union Corp., No.95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2024-06-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA ()

Due to XXXX MOHELA making errors in how much I owed them, which would have resulted in my overpaying by more than {$2000.00}. I contacted them about multiple times, I decided to refinance with another company, XXXX. Due to the disbursement from XXXX posting days after my latest payment with XXXX MOHELA posted, on XX/XX/XXXX, it was overpaid by one month payment and XXXX MOHELA needs to refund XXXX or me about {$2100.00}. 
It has been 3.5 months and I still dont have payment. I called after about one month to ask - while my account shows XXXX  due, I never received any notice of account paid in full - and the person said it could take up to 60 days. So I called in late XXXX when it reached 60 days. The person acknowledged they could see a refund was due and it should be going out soon, most likely to XXXX. I called again XX/XX/XXXX, and spoke to a supervisor in addition to initial person answering. They said payment should be coming and they apologized for delay. Still nothing. 
I need my money. This is excessive delay and inappropriate. XXXX MOHELA should have to pay interest on my retained money and a fine for delaying so long. It has been 3.5 months. This incompetence is not okay.
Consumer complaint received 2024-06-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am filing a complaint regarding the inaccurate reporting of my Capital One accounts. Despite these accounts being closed, I am receiving emails about them showing balances owed. This is misleading and negatively impacts my credit report.

1. **Fair Credit Reporting Act ( FCRA ) Compliance : ** - **Section 1681s-2 ( a ) ( 1 ) ( A ) : ** Information furnished must be accurate and complete. Reporting a balance on a closed account is not accurate.

- **Section 1681e ( b ) : ** Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

2. **Fair Debt Collection Practices Act ( FDCPA ) : ** - **Section 807 ( 2 ) ( A ) : ** Prohibits the use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

3. **Consumer Financial Protection Act ( CFPA ) : ** - **Section 1036 ( a ) ( 1 ) ( B ) : ** Prohibits any covered person or service provider from engaging in any unfair, deceptive, or abusive act or practice.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Berlin-Wheeler, Inc. (Kansas) (AZ)

Berlin Wheeler keeps on reporting false information to my credit report. They have never sent me any notices, never had any contact, refuses to send any requested information. I have no contact with them. I notified XXXX XXXX and they acknowledged I have no debt and not sure why Berlin wheeler is falsely representing them and trying to collect on debt not owed. I spoke with the executive relations office at XXXX XXXX. They acknowledged that I am under XXXX XXXX XXXX protection and any and all debt was included in my filing. Berlin wheeler is in violation of numerous federal and state laws. They know they are committing fraud and harassment. I will also be filing a lawsuit against Berlin wheeler in federal court.
Consumer complaint received 2024-01-25
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. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XXXX/XXXX/2023, XXXX Date of Inquiry XXXX/XXXX/2023, XXXX  Date of Inquiry XXXX/XXXX/2023, XXXX XXXX Date of Inquiry XXXX/XXXX/2023, XXXX XXXX  Date of Inquiry XXXX/XXXX/2023, XXXX XXXX XXXX Date of Inquiry XXXX/XXXX/2023 & XXXX XXXX Date of Inquiry XXXX/XXXX/2023
Consumer complaint received 2024-06-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (PA)

Citi bank closed my newly opened account with them without reason and still have not returned my funds that were in my account. Total funds in the account was {$750.00} Date of XXXX XX/XX/year> A cashiers check in my name from my XXXX  checking amount, the amount of the check was for the amount of XXXX
Consumer complaint received 2024-06-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (CA)

I had some transaction issues with XXXX XXXX where I belive that I got accused for fraud for money that got sent to me from another cash app account. On XX/XX/year> my bank CHASE wich was my main bank provider informed me by taking {$600.00} dollars from my account. When I called CHASE to figure out what the issue was they informed me that my account was under investigation due to delinquent fraud. At the moment I couldn't prove to CHASE or XXXX XXXX that i was innocent about the whole mix up.Until last week I came in contact with the other party that was associated with XXXX XXXX account that sent me money that was in question from both bank providers. I have proof that I wasn't the person that got sentenced on the charges of the money that XXXX XXXX took from my CHASE account.