davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have a couple of accounts that are " restricted '' with capital one. One of which has a positive balance. I have called numerous times to request the accounts be closed and also requested the money that is in the account that shows positive be sent to me via a check. This has been going on for the past couple of months and all I keep being told is it is a lengthy process to get the accounts closed and money sent back. What I'm not understanding is how it is legal for a bank to hold your money and refuse to give it back.
Consumer complaint received 2024-08-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC. (FL)

My Robinhood account was hacked into somehow. My stocks were sold and then the balance transferred to some card that the hackers added to my account during the transfer. I was notified of the transfer on my phone and did not recognize it as I had been holding the stock and crypto for years. I contacted Robinhood and changed all my passwords and email. They then notified me via email that the case is closed and I will not be reimbursed my {$1000.00} that was stolen.
Consumer complaint received 2024-06-03
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. (AR)

ON MY XXXX I SUBMITTED MY IDENTITY THEFT REPORT TO XXXX AND EXPERIAN REGARDING SEVERAL FRAUDULENT ACCOUNTS ON MY CREDIT FILE. 

XXXX IS REPORT 2 ACCOUNTS FROM XXXX XXXX AND 1 ACCOUNT FROM XXXXXXXX XXXX THAT I DO NOT RECOGNIZE. I HAVE SPOKEN WITH SUPERVISORS FROM XXXX WHO ARE NOT WILLING TO HELP ME. I NEED THESE ACCOUNT REMOVED FROM MY CREDIT FILE ASAP. 

EXPERIAN IS REPORTING AN ACCOUNT FROM XXXX XXXX THAT I DO NOT RECOGNIZE I HAVE ALSO SPOKEN WITH SUPERVISORS AND THEY HAVE NOT BEEN ANY HELP. PLEASE HELP ME.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (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. 

Account Name : XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : 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 2024-06-03
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. (NV)

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the items that I am asking you to verify as accurate. XXXX XXXX ACCT # XXXX
Consumer complaint received 2024-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (TX)

I have recently become the victim of identity theft. I have checked my CRAs and found these accounts and disputed them as fraud. I was told by the CRAs that these companies verified these accounts as accurate. I submitted all the appropriate documentation that was requested by the CRAs. These accounts are the result of identity theft and do not belong to me.
Consumer complaint received 2024-07-13
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IA)

I was charged an undisclosed fee in the amount of {$1.00} for a paper statement fee. This fee was not disclosed when I signed up for the card to purchase a XXXX XXXX XXXX XXXX XXXX This fee was not disclosed. I have not received any disclosures regarding this fee. I have not consented to this fee. On a call today XX/XX/24 the phone representative stated they will continue to charge this fee even after I informed them I did not consent to this fee and that this fee was not disclosed.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (PA)

I changed insurance companies for homeowners insurance from XXXX XXXX to XXXX and NewRez was notified. I see on my statement that they apparently paid the former insurance company and not the present company. That premium is overdue. I tried calling your toll free number but there is no way to reach a person. I have done at least XXXX chats in the past week and not heard back as of today. My NewRez loan # is XXXX, my XXXX policy number is XXXX, XXXX also called NewRez and fax 'd the premium due statement last week to your fax as listed on my NewRez account... it was due XX/XX/XXXX for {$860.00}. Also, my property tax statement was emailed to Shellpoint Mortgage Servicing and apparently that was not paid either, it was due this month without a penalty. They are holding my excrow account and are not responsive. 

It is extremely difficult dealing with NewRez and I want to speak to a human being to get this all straightened out but that is apparently not an option. 
I hope I will not have to resort to going to a public federal agency that regulates mortgage companies like the CFPB consumer financial protection bureau with my problem. I want also after this is straightened out to stop having excrow deductions and I will pay everything myself when it is due. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX XXXX
Consumer complaint received 2024-08-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

In XX/XX/year>, I was laid off from my full-time job which I had been there for close to 4 years. It was a shock. I contacted the bank to arrange for help in handling my expenses- both car and credit card. They were able to help with my car and they said they would place a hold or freeze on the credit card. I did ask them about a program that if you got laid off there was insurance that would cover that and they said they didn't offer that. I continued to maintain communication with the bank ( SchoolsFirst Credit Union ) and in the middle of XXXX, I called about fraud on my account. They told me to go into the bank to get a new card. I did that and let them know that I got a job and would be setting up direct deposit for my new position. I set that up in XXXX and planned to have my check deposited in the bank for the school I started with. At no time did anyone mention that my checking account was at risk for being closed. 

On XX/XX/XXXX, I was heading to the bank to make a deposit and I learned that my checking account was closed and that I would need {$1900.00} to pay off my credit card to reopen it. I told them I had been laid off and the lady was very snarky with me saying that they didn't know that... I said I had been in communication with the bank and was surprised by this. Usually I get much better customer service. The lady told me that I could take my business elsewhere. Pretty rude and I will probably do that. On XX/XX/XXXX, I received a letter stating that my account was closed. The letter was dated XX/XX/XXXX and postmarked XX/XX/XXXX. Not timely at all. 

To fix this issue, I would like to my account reopened and I would like for a reasonable payment option for my credit card to be established. Thank you for your time.
Consumer complaint received 2024-06-03
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. (NV)

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the items that I am asking you to verify as accurate. XXXX XXXX ACCT # XXXX, XXXX  XXXX ACCT # XXXX, XXXX  XXXX ACCT # XXXX And XXXX  XXXX ACCT # XXXX.
Consumer complaint received 2024-08-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Lendbuzz Inc. (CA)

Hello. I was scammed when buying a car for work. They lied to me about the price and forged my signature on the credit application with false information. I found a XXXX-speaking broker since I don't speak XXXX. He contacted the dealer and the lender. They all put false information on the application, forged my signature, sold me a car for XXXX XXXX more than the advertised price, the loan was issued on enslaving terms at 18 %, they took XXXX XXXX  in cash for issuing the loan. I have a pregnant  wife and two XXXX children. This was all our savings. This was all we had. The car was supposed to be our breadwinner if the advertised terms were met. Instead, it became a huge burden that can not be paid off. Also, the dealer did not provide me with a test drive. They sold a rusty car from the previous year for much more than the estimated value. I asked for a waiver of this car on the day of purchase, but was refused. I have all the evidence, all the negotiations and correspondence, but I do not have a lawyer who could help me. One lawyer initially said he would help me, but during the negotiations something went wrong, he sided with the defendants and said he would not work with me anymore. Thank you!
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

" 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 "
Consumer complaint received 2024-08-12
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Affirm Holdings, Inc (CA)

Afirm ; The company declines my purchases, yet says I have credit. They declined due to " we can not verify my identity '', yet they then follow up with an email saying it is fixed and my identity has been verified. I have called and spent 10 hours on the phone and many emails. Still the same result and they just apologize and say they will escalate it. Yet still the same result.
Consumer complaint received 2024-07-01
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. (MA)

I returned the vehicle to XXXX XXXX because vehicle was a total lemon. They sold vehicle & sent me a bill for balance of XXXX. Told bank to send me itemized bill with a XXXX & was told by XXXX XXXX employee XXXX twice that he does not have to send itemized or XXXX & he said he sent me a bill. I have disputed this with XXXX XXXX, Experion multiple times each to no avail. This is hurting my credit & as a consumer requesting itemized balance owed multiple times I just wanted to validate the debt by an itemized bill. This has been over a year I've constantly been disputing this with XXXX XXXX XXXX XXXX XXXX credit bureaus.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-06-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Universal Account Servicing, LLC (CA)

I've recently discovered that my account has been charged at an interest rate of XXXX %, a detail that was not explicitly communicated to me. The realization came as a surprise, especially after having paid {$1000.00} in interest, which I presumed would have reduced my principal significantly. It's essential for me to have clarity and transparency when it comes to financial matters, and this unexpected discovery has placed a considerable strain on my finances. 

I called them and they were rude, they said they will not do anything with this account, and i should take care of all the fine prints etc. 

DO NOT USE XXXX, or UNIVERSAL ACCOUNTING SERVICES. 

XXXX XXXX SEND ME TO THOSE
Consumer complaint received 2024-06-06
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC (TX)

Upon reviewing my credit report I've noticed many inconsistencies that are affecting my score as well as impairing my ability of employment and other financial endeavors 1. miscellaneous addresses 2. collection agency 3. inaccurate information across all 3 credit bureaus XXXX XXXX XXXX XX/XX/year> {$770.00} I never consented for any of my personal debt to be sold or communicated to the credit bureaus I am actively seeking the purchase agreement to verify they own the debt
Consumer complaint received 2024-05-21
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. (HI)

I am rewriting this complaint to TRANSUNION that I want to dispute specific records in my credit file that are unverified, inaccurate, and it had erroneous information, particularly in regard to a bankruptcy record. Please erase the false information that keeps harming my credit report. Kindly eliminate the accompanying records as they are false and were opened without my assent or information. Please see also the attached FTC report to support this fraudulent information with the report number XXXX.
Consumer complaint received 2023-08-06
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: EQUIFAX, INC. (VA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken 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 30 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 Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-07-04
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. (VA)

I have sent several inquiries however they keep coming back as verified or have received letters informing me that they commend me for my efforts with trying to clean up my credit however I needed to call them and then they add additional supplemental information to my reports and state they are verified. Information gets taken off then 2 months later the same information returns more-so from XXXX. 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 681. I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : 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 However, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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 antedates item of information, other than records of convictions of crimes which antedates the 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 USC 1681s-2 ( A ) ( 1 ) A person shall not 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. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.
Consumer complaint received 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am writing to lodge a formal complaint against Bank of America N.A. ( XXXX Credit Card ) in relation to a matter concerning my account reference # XXXX, initiated approximately between XXXX of XXXX thru XXXX day of XXXX. Specifically, I requested a XXXX XXXX of said account and ALL disclosures, agreements, any instruments and transactions associated with the account. Regrettably, despite statutory mandates outlined within the Fair Debt Collection Practices Act ( 15 USC 1601 - 1693 ), I did not receive the complete array of disclosures, service agreements, and signed instruments pertinent to the purported debt, nor was a signed copy of the promissory note provided. 

I have diligently pursued resolution of this matter through direct communication with representatives of Bank of America N.A, including engagements with their collection department at XXXX XXXX XXXX. However, notwithstanding these efforts, I have been informed that the promissory note remains unattainable. It is imperative to note that pursuant to pertinent legal statutes, particularly the Bill of Exchange Act and Negotiable Instrument Act, the conversion of the promissory note into a negotiable instrument would signify satisfaction of the alleged obligation. 

Furthermore, a review of my credit report reveals that the purported debt has been charged off. In light of this, I am compelled to inquire as to the absence of any documentation, specifically a copy of the 1099-C form, indicating the discharge of indebtedness filed with the XXXX XXXX XXXX XXXX XXXX XXXX 

The actions, or lack thereof, undertaken by Bank of America N.A have resulted in considerable uncertainty and distress. It is my firm belief that such conduct may contravene provisions established within various consumer protection statutes, warranting regulatory scrutiny and intervention. 

In light of the foregoing, I respectfully request that the Consumer Financial Protection Bureau undertake a thorough investigation into the practices of Bank of America N.A with regard to this matter. Additionally, I seek redress commensurate with any identified breaches of consumer protection statutes, as well as clarification and resolution of the outstanding issues surrounding my account.