davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am writing to file a formal complaint against Capital One Financial for their negligent handling of my credit card account, which was unlawfully subjected to fraudulent activities. Upon discovering unauthorized transactions on XX/XX/2023, I promptly reported the issue to Capital One, resulting in the closure of my account due to the acknowledged fraud. Despite this closure, the financial institution has continued to assess exorbitant late fees and interest charges, compounding my financial distress. The lack of a thorough investigation into the fraudulent activities by Capital One is not only a breach of their duty to safeguard customer accounts but also a violation of consumer protection laws. The unprofessional conduct exhibited by Capital One 's customer service, including the use of inappropriate language and abrupt termination of calls, further underscores their disregard for customer well-being. I am disputing all late fees, interest charges, and additional transactions on the account that occurred after its closure due to fraud, and I urge CAPITAL ONE to investigate this matter thoroughly and take immediate legal action against Capital One to rectify the situation. Enclosed with this complaint are supporting documents, including copies of relevant statements and communication records with Capital One, which substantiate my claims and highlight the urgent need for intervention.
Consumer complaint received 2017-12-20
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: NATIONSTAR MORTGAGE LLC (DC)

From XXXX XXXX - XXXX XXXX I had a mortgage with XXXX XXXX XXXX. I was late several months on the monthly payment. I sold the house in XXXX XXXX. XXXX XXXX XXXX submitted and received the payoff amount. I want to stress the house payoff amount was paid to XXXX XXXX XXXX. After selling, I was notified the loan was picked up by NationStar/Mr. Cooper. I did n't pay any attention to the notice because the XXXX XXXX XXXX loan was closed out with the sell of the house. At no time during the settlement process did the title company indicate NationStar/Mr Cooper was involved with my house loan. 

On XXXX XXXX, XXXX, I received a copy of my credit report ( all 3 bureaus ) and noticed XXXX XXXX XXXX and NationStar reporting the same mortgage account as late. 

In XXXX XXXX, I submitted a dispute with NationStar/Mr Copper via XXXX and XXXX. NationStar/Mr Cooper replied with the account is valid and updated the account to 120 late. 

Yes I was late but that was with XXXX XXXX XXXX. Both mortgage companies can not - by law - report the same account.
Consumer complaint received 2023-12-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (VA)

On XX/XX/23, my joint account with my son had our debit card compromised/hacked. This was reported promptly by phone on XX/XX/23. The unauthorized XXXX charge of {$200.00} on XX/XX/23 had already processed. However, the XXXX XXXX XXXX fraud transactions of {$100.00} and {$200.00} on XX/XX/23 were still pending. On the phone, the Truist CSR stated that he would block the pending transactions. If they did not block them, we should give them a call later. This is obviously unacceptable, but we called again later when Truist failed to block the pending unauthorized transactions, and we subsequently signed affidavits on all of the fraud transactions. This process was cumbersome and Truist delayed at every point of the process and would never communicate. Several calls and e-mails went unreturned. The fraudulent XXXX charge was recovered. But the XXXX XXXX XXXX charges were ruled authorized by Truist. When I reviewed the dispute documentation, I noticed that Truist only investigated the {$200.00} and not the additional {$100.00}. I also noticed that the XXXX XXXX logs showed XXXX fraud/unauthorized transactions for a total of {$600.00}. Thus, our call or my son deactivating XXXX XXXX shut down the cyber-attack and limited our loss to {$300.00}. These transactions are so obviously fraud that anyone could recognize it by the activity. We do not know XXXX XXXX ( generic name ). My son has limited access to his phone at XXXX. " Regulation E Comment for 1005.2 defines 2 ( m ) Unauthorized Electronic Fund Transfer as ( 3 ) Access device obtained through robbery or fraud. An unauthorized EFT includes a transfer initiated by a person who obtained the access device from the consumer through fraud or robbery. '' This is clear non-compliance of Reg E by Truist. We were clear in our report that the charges while pending were not authorized. We were clear that the debit card had been hacked. Truist has call logs and recordings to prove that we reported the fraud while the transactions were pending and that Truist did not stop the pending unauthorized transactions. Further, Truist should have internal fraud activity logs that detect suspicious activity. The XXXX XXXX logs that Truist provided are infuriating as it shows that Truist only investigated the {$200.00} disputed transaction, not the additional {$100.00} disputed. It also shows XXXX other unsuccessful fraud attempts totaling {$300.00} that never hit our account because we caught the initial {$300.00} so quickly.
Consumer complaint received 2017-12-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (VA)

I was notified of a deficiency with my property taxes of over {$450.00}. I paid the deficiency and yet it is being added on a monthly basis. When I called the Mr. Cooper representative told me I lacked funds in my account, yet when I checked the city tax office I am all paid for the year. I also spoke with the city assessor who told me my tax liability increased only $ XXXX/year yet somehow Mr. Cooper is charging me $ XXXX/month additional. The Mr. Cooper representative informed me that this is because of a doubling of my tax base and refuse tax. Unfortunately, I pay my refuse tax through the HOA, not direct. I feel as though I have been defrauded of funds and request an immediate investigation into Mr. Cooper 's business practices. My account number is XXXX
Consumer complaint received 2023-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: LAKEVIEW LOAN SERVICING, LLC (IL)

When I closed my loan with XXXX XXXX on XX/XX/XXXX, they promised me that as soon as my property appraised at 80 % LTV that my PMI would be removed. My property quickly got to that point. So I called the Loan servicer and sent a check for {$150.00} to get the PMI removed. They cashed the check. Then they told me that XXXX required 2 years even though my property was worth nearly double the original purchase price. The loan officer either deliberately lied to me or was unfamiliar with the terms of removing the PMI. Then in XXXX of XXXX I called back to get the process in place and again I sent a check for {$150.00} for an appraisal, along with comps and yet again the check was returned and I was told I couldn't start the process until XX/XX/XXXX. Since XX/XX/XXXX I have called Lakeview Mortgage company serviced by " loancare '' at their customer service # every day and the loop of voice prompts never leads me to a live person and eventually hangs up on me. That # is XXXX. 

Additionally, the estimate for real estate escrow from the original loan was over {$10000.00} off for year two, so I had to increase my escrow payment to make up the difference by {$800.00} per month for the past 12 months. That 12 months has ended and I want an adjustment made to my monthly payment. I have sent several emails through on their website https : //lakeviewloanservicing.myloancare.com none of which has seen a reply. 

Buyer beware with XXXX XXXXXXXX XXXX in house mortgage company and their mortgage partner Lakeview.

Original Mortgage company thru XXXX XXXX was called XXXX XXXX
Consumer complaint received 2023-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Offices of Robert J. Colclough, III (OR)

This is assumingly a balance due from XXXX? XXXX? Which I was no longer residing in CA! I have called them, and the assuming doctors ( Veterinary office ) to tell them that this is NOT me. As you see from my address above, I reside in OREGON! And now, I see that the collection agency XXXX Allied Collection Services in California ) keeps raising the balance! Are they allowed to do this?! This is silent harassment!!!
Consumer complaint received 2024-08-04
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: Experian Information Solutions Inc. (MS)

I am filing this complaint for myself because 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 XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-06-02
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. (FL)

XXXX XXXX XXXX XXXX Not my account XXXX XXXX XXXX Not my account Regional acceptance XXXX Account never late XXXX XXXX XXXX XXXX {$260.00} Account not mine XXXX XXXX XXXX {$250.00} Account not XXXX XXXX XXXX XXXX account number N/A {$4200.00} Account never late XXXX XXXX XXXX {$600.00} Account never late XXXX XXXX XXXX {$2300.00} Account never late
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and delete them immediately in my report : 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
Consumer complaint received 2023-03-13
Product: Credit card or prepaid 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: Upgrade, Inc. (NY)

My Upgrade credit was used fraudulently for make purchases in the State of Florida. I last used this card to charge a XXXX rental car on XX/XX/2023. While in my state in Florida I found out that my credit card was used in 4 other different places. This happened because I received a text from upgrade to confirm a purchase of {$450.00}, which i denied. I then froze the card and call the upgrade, INC on the next business day to inform them that this charges were fraudulently. The whole fraudulent amount if charges equals to {$540.00}.
Consumer complaint received 2023-03-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions 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. 

XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXXXXXX XXXX Account Number : 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 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.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 XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX. XXXX XXXXXXXX XXXX Account Number : 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 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 2023-12-08
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My Kohls card had an unauthorized purchase for {$930.00} of a table and chair set that was shipped, refused, and tracking confirmed the return was received at the vendors dock, signed for and Kohls sent a letter stating until the charge was investigated I would have to make payments. I refused and they are haven't credit the return and want me to pay my billing until they resolve a fraudulant purchase.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

My name is XXXX 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.
Consumer complaint received 2023-03-13
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. (WA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to the 3 bureaus directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Balance : {$880.00} XXXX XXXXXXXX Balance : - XXXX XXXX  ( Original Creditor Name XXXX XXXX XXXX ) XXXX Balance {$810.00} XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX Balance : {$29.00} XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX XXXX XXXX  Balance : {$560.00} XXXX XXXXXXXX ( Original Creditor Name XXXX XXXX XXXX XXXX XXXX Balance {$630.00} XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX XXXX XXXX  Balance : {$190.00}.
Consumer complaint received 2024-06-02
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. (IL)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2023-03-13
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: EQUIFAX, INC. (NV)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

BofA has been running a public cash bonus offer throughout the year to provide new business customers with a {$200.00} bonus for opening a new Business Advantage checking account online. I signed up for it on XX/XX/, using the link below with the promo code " XXXX '' : https : XXXX. 

The offer details I signed up for are listed below : 1. Make Qualifying Deposits of {$5000.00} or more in new money* within 30 days of opening the new business checking account.

2. Maintain an average balance of {$5000.00} for the next 60 days ( days 31-90 ) during the maintenance period. 

I then deposited new money from my other banking institution on XX/XX/, and maintained the required balance over 90 days. However, I didn't receive any cash bonus from BofA even though I met all the requirements set by the bank. I then contacted the bank and received a case number for it. Later, I called and realized that my case had been denied without any given reason. Therefore, I am filing this complaint to ask for assistance in resolving this issue.
Consumer complaint received 2023-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (MD)

On or around XX/XX/2023 I opened a business checking account for XXXX XXXX XXXX with Truist Bank at a branch in XXXX XXXX MD on XXXX XXXX. I then proceeded to deposit funds into the account for normal business operations. On or around XX/XX/2023 I found that I no longer had access to said account for deposits or withdrawals. I have visited various branches and made numerous phone calls seeking and explanation on the closure and remitting of existing funds. There is a balance in account confirmed by statements sent to us of {$8400.00} that we would like sent back to us.