davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capitol one is telling me I have a card that I DONT have, but I do have a different card from them. I noticed this from my monthly statements over a year ago if not longer. I have called them many times to get clarity on this matter but they themselves cant give me an answer. The card they say I have has a totally different card tier level. I told them with my credit I wouldnt even be able to get approved since the card is a XXXX XXXX card with many perks and a lot more requirements to obtain it. The interest rates are different and it doesnt have a yearly fee which I am being charged. I got notification from the XXXX  and other sites stating that my account has been closed and I called Capital one to inquire and they said they dont see that it has been closed. I asked them doesnt that seem odd and they agreed yet said they cant do anything about it. I asked if my balance can be placed on hold until this all gets resolved. They denied my request. I also told them that if you are saying I have that card my balance should be adjusted greatly because of the status and benefits that card offers and If I would have known I could have saved thousands of dollars that those benefits would have covered. After many calls they started to mock me over the phone. My credit has dropped greatly and still dropping. Its affecting my buying power and credit options. The Cards dont even say the same things on it. They opened a fraud investigation a few times and found me at fault for all. I keep telling them that I am not disputing charges. My account is now currently closed without any prior notice from them which isnt allowed, but my online account still works like nothing is wrong. They also said that doesnt make sense yet they still do nothing. I have exausted all my options. I even sent a complaint to New york department of finance and they responded saying that they received my claim but they are not the governing entity for capital one so they forwarded it to this department with further instructions to contact me. I didnt hear a response in a long time so Im putting a claim in myself. Can you please help in this matter because I know Im in the right yet cant get any satisfaction. Thanking you in advance.
Consumer complaint received 2024-06-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

On XX/XX/year> I went to the local XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX where I sent {$200.00} dollars to a friend in XXXX XXXX Name : XXXX XXXX XXXX CODE : XXXX COUNTRY : XXXX XXXX went to the bank in XXXX to receive the money and was told the money was on hold then gave this Error message saying transaction can not be be received at this time have customer contact MoneyGram XXXX ( XXXX XXXX XXXX XXXX Still haven't received the money constantly being told the thing that the money was received but not by whom the money was received.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance to FCRA these creditors have violated my rights. Under 15usc 1681 section 602 states I have a right to privacy. 15usc 1681 section 604a section 2 A consumer reporting agency can not furnish An account without my written permission. Under 15usc 1666B a creditor may not treat a payment on a credit card account Under an open, ended consumer credit plan As late for any purpose. These Companies such as Capital One, Credit One Bank, XXXX Capital Bank, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX  XXXX XXXX have violated my rights and requesting them to remove this information immediately.
Consumer complaint received 2024-01-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am not liable for this debt with XXXX XXXX XXXX XXXX, I do not have a contract with XXXX XXXX XXXX they did not provide me with the original contract as i requested
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (GA)

XXXX XXXX XXXX I am writing to dispute the inclusion of bankruptcy information on my credit profile maintained by Innovis. Pursuant to 28 U.S.C. 1452, it is unlawful to obtain court records and use them to report bankruptcies on consumer credit reports.

According to federal law, bankruptcy records should not be used for the purposes of credit reporting, as outlined under 28 U.S.C. 1452. Therefore, I request the immediate removal of any bankruptcy-related information from my credit profile with Innovis -Case number : XXXX -Filing date : XX/XX/year> -Type of bankruptcy : XXXX XXXX XXXXCourt jurisdiction : XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with Calrity Services XXXX Please prioritize this matter for prompt action. I have tried to email them, at Clarity Services Inc., a part of Experian Consumer Support Division XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX But I am not getting any response or completion of my request. 
"
Consumer complaint received 2024-06-21
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. (LA)

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with Calrity Services . Please prioritize this matter for prompt action. I have tried to email them, at Clarity Services XXXXXXXX, a part of Experian Consumer Support Division XXXX XXXX XXXX XXXX, TX XXXX But I am not getting any response or completion of my request. 
"
Consumer complaint received 2024-06-21
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. (FL)

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with XXXX XXXX XXXX Please prioritize this matter for prompt action. I have tried to email them, at XXXX XXXX XXXXXXXX, a part of Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX But I am not getting any response or completion of my request. 
"
Consumer complaint received 2024-06-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I have been using Paypal for my online freelancing services, Im a freelancer accpting payments for my services online from different parts of the world and paypal fail to understand that and treat my transactions violates their policy. I am simply accepting payments from people pays me from my online services that I rendered to them. Its that simple. Now, Paypal Permanently ban my account from accepting money and withdrawing money using their platform, and on XX/XX/2024 they permanently lock my account and can no longer use they platform for my online business freelancing, It really affects my financial stability for now, becasue almost all my clients pays me using Paypal. It affects me a lot financially. All I'm asking is for Paypal to lift the ban on my account and let me withdraw my funds ASAP ( not 180 days as per their rules ) let me use their platform again to aaccept money from anyone of my clients online and not questioning it in the future., Please stress this to them ... .I AM A FREELANCER DOING LEGAL PROJECTS ONLINE AND ACCEPTING MONEY ONLINE FROM MY CLIENTS. AND MY CLIENT USE ONLY PAYPAL FOR TRANSACTIONS. 

I'm looking forward to resolve this issue and use Paypal again for my freelancing. 

Thanks and more Power! 

The account in issue is XXXX XXXX
Consumer complaint received 2024-06-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I believe I was wrongfully charged interest by this bank via very deceptive billing practices. 

I am currently on a 0 % XXXX Promotional rate on purchases for credit card account number XXXX until XX/XX/year> However, I have been charged a total amount of {$110.00} in interest on purchases on this account via very deceptive billing practices. 

I am seeking a resolution of crediting these interest charges back to my account as a courtesy I have been very longtime loyal card member and have been banking with Bank of America for several decades. I have never missed a payment and this is a very unfortunate issue as a longtime customer to be experiencing. 

I am seeking a resolution to this issue.
Consumer complaint received 2023-08-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-28
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: EQUIFAX, INC. (WA)

This is NOT a fraud complaint. Do NOT place a fraud alert in my credit file. 

I have challenged the reporting of a bankruptcy on my credit report 5 separate times on XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, and XX/XX/23. ( A copy of the letter is attached ) I demanded every document they have in their physical possession on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked not to merely state that is has been verified as this is not compliant with the law. This must be done in Metro 2 Format reporting.

In the event they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be
p

romptly deleted. Moreover, I disputed the validity of each of the bankruptcy, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. If they do not have any documentation in their les to verify the accuracy of these disputed accounts, they are required to delete them immediately. Failing to do so is damaging my creditworthiness and reputation. I demand the bankruptcy be properly verified with physical documentation and in Metro 2 Format reporting ( and not ju
st verified through a 3rd party ) or it MUST be removed immediately.
Consumer complaint received 2023-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My Social Security check is missing in the amount of {$1100.00} XXXX states payment was made to my Bank of America account. 
Bank of America has no record of such. 
Please help as I need the payment for groceries Thank you XXXX XXXX
Consumer complaint received 2024-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputes to TransUnion, XXXX, and XXXX regarding inaccurate information on my credit report. I clearly listed the accounts and pointed out the violations they were making. It's been over 30 days, and they haven't responded. I'm attaching copies of all my letters. According to the Fair Credit Reporting Act ( FCRA ), they need to address all inaccurate information on my credit report immediately.
Consumer complaint received 2024-06-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mr. Cooper Group Inc. (UT)

Non of the options are really applying to this case. I received today an email starting with. 

Hello, XXXX XXXX and XXXX. Great News, your mortgage is transferring to Mr. Cooper soon ... .... 

This is not the issue ( even though i don't know either person ). 

The issue is it gives you the last for digits of the old Loan Number AND it gives the full number of the new loan number and they are connected to XXXX XXXX and XXXX. 

This does not seem to be a one off. Calling Mr. Cooper, powered by XXXX gave me the impression I was not the first one to acll. 

Now i am wondering who has my new Loan ID which can cause Fraud if the wrong person received the email with my information.
Consumer complaint received 2024-06-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP (MN)

XX/XX/year> money line to XXXX in the amount of {$5000.00}. 

The list goes on. 

Ill follow up with another complaint about the car loan in the personal line of credit and ATM withdrawals oh, and all the pay to XXXX. They have denied the XXXX charges that I know we werent Me because it went back further than 60 days .those not allowing me to file claims. This is getting to be somewhere around {$100000.00}. Missing money. 
I filed a complaint with the XXXX.
Consumer complaint received 2024-06-01
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. (LA)

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 Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 2018-05-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

MrCooper XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX This short sale has been open in XXXX since XX/XX/XXXX over 2.5 months ago. On XX/XX/XXXX we received a counter offer from MrCooper. On XX/XX/XXXX we sent a HUD and addendum showing the buyers agreed to the counter offer from MrCooper. 

Since then MrCooper HAS DONE NOTHING. No one will respond to us in XXXX We are being IGNORED by the negotiator and management. Today we finally found out that THE BUYERS ACCEPTANCE OF THE COUNTER HAS NOT EVEN BEEN SUBMITTED FOR APPROVAL. 

*************ITS BEEN TWO WEEKS AND NOTHING HAS BEEN DONE!!!!!!!!!!!!!!!! 

This is NOT Acceptable. The rep we spoke to today said something about restructuring and it is clear MrCooper is UNDERSTAFFED AND MrCooper is NOT ABLE TO SERVICE THEIR LOANS. 


I want an immediate status of the approval letter, without further delay or paltry excuses.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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
Consumer complaint received 2023-09-16
Product: Mortgage — FHA 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: U.S. BANCORP (FL)

Our mortgage is held by US Bank. We accepted a forebarrence plan that would run from XX/XX/XXXX to XX/XX/XXXX. I had asked to extend it until XXXX of XXXX, but they said it ran out. So, we applied for and were accepted for a Deferral Agreement to add the amount of the forebarrence to the end of the loan. We signed everything and submitted all the documents they asked for. As of today, XX/XX/XXXX, on my online account it states that the process is 75 % complete and could take 85 days to complete. In the meantime, our payments would resume at the new amount beginning XX/XX/XXXX. Starting in XXXX in XXXX, we received letters in the mail that we were in default and they would be starting foreclosure proceedings. All the payments the are falsely considered late were included in the forebarrence and now in the Deferment agreement. Nothing has been reported and nothing appears on my online account about any foreclosure, just the mail. I made the XXXX, XXXX payment, but they sent back a check for {$17.00}, stating suspense, but it doesnt show where the remainder of the payment went or where it was applied. I also made the XXXX payment, and am now waiting to see if that either gets applied or returned. 
I have talked to several people at US Bank, but no one seems to have any answers. I also wrote letters to 2 US Bank departments and the Law Office mentioned in one of the letters, but have not received any replies.

I need this resolved ASAP, before they think they can take my home. We did and sent and signed everything they asked and still ended up in this mess.
Consumer complaint received 2024-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (TX)

I recently opened this account with SoFI bank. I have been having my deposits there weekly since and everything was going well. Today my A/C went out in my home in the scorching Texas heat XXXX XXXX the technician the diagnostic fee using my debit card for this account and everything was fine. When I went to pay for the repair as well as make other transactions they were declining. I logged into the account to see a message saying my account was restricted. I havent used this account much so Im not understanding why its restricted z I spoke with the bank and they say its due to me violation the deposit agreement. I asked for them to tell me how I did this. And they didnt help. Theyve restricted my account and I cant get any of my money and Im stuck in a Scorching hot house. With a car thats stuck at the shop because I cant pay to get it. SoFi chose to restrict my account and snatch away my ability to pay my bills at the absolute wrong time. Im hoping someone can help me resolve this issue asap because Im in dire need!
Consumer complaint received 2023-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (NC)

I opened a account with US bank and funded it by making a external transfer of {$10000.00}. Amount was deducted from my external bank on XX/XX/2023 but it never showed on my US bank account. After few days when I enquired, US bank simply refused to acknowledge any problem and told they never recieved the funds. When I asked my external bank, they provided me with ACH tracking number , trail confirmation that funds were released and transferred from their end. 

Then I had to log a complaint with US bank and dispute to solve this and then finally on XX/XX/2023, i.e. 13 days after the transfer credited my account. But they never told me any reason why this delay happened. I was under so much stress due to missing funds of such a amount and also missed various opportunity to invest, use funds for my business etc.

On top of that, very poor customer service from US bank. They never responded to my queries, I visited branch 2 times and logged my complaint but no response. Called their call center number multiple times but again no response. All they said, we are not getting any answers why it took so long for funds to appear in your account.

This is totally unacceptable. ACH transactions have 3-5 business days timeline to process and any delay beyond that is voilation of banking regulation and bank should be held accountable for that and compensate me for this issue.