davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-20
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I XXXX do not owe this company any money. Im requesting they ceast and defrain from all communication and I understand this company is a debt buyer. I do not have a contract with this company so that means they need to delete this account from my credit report per fcra law. Delete ASAP.
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Someone opened an account without my consent. I checked my XXXX XXXX alert and found out through XXXX that it was opened on XX/XX/2024. I called the Bank of America number provided below. They transferred me to the Fraud Department where I reported the incident. They could provide more information, so they gave me another number to call.
Consumer complaint received 2024-05-16
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 (NV)

I called once Capitol One once I noticed an inquiry on my credit report without my consent and knowledge. I was told the the account would be closed and removed from my credit profile along with the inquiry. This was in XXXX, I just noticed another inquiry which I did not consent or approve of in XX/XX/XXXX. This is hindering my credit and making y it impossible for me to get approved for my own account with any major credit card company.
Consumer complaint received 2023-12-20
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. (MS)

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Experian etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies. 
15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 
313.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My over seas trip between XXXX XXXX XXXX XXXXXXXX was suppose to be charged solely on my capital one card solely as my travel points were to be applied. to this trip additionally they provided free transactions. As in no overseas fees would be charged. 

It was unfortunate that I could not use the card in almost majority of my trip and had roaming on which cost me almost a triple my phone bill since I had to get the otp over the phone verification. I ended up using XXXX XXXX card for the trip who in turn, charged me fees for my entire trip. 
After making calls over calls over call during that first 4 weeks and resubmitting my id with fraud department over and over again I ended up giving up and using cash or paying fees with XXXX XXXX. 



2nd complaint with XXXX XXXX was them denying my application for not having an excellent score of XXXX and up. 


Initially during the application process I was told by their in first week of May that Im pre approved for their for another credit card and that they wont run my credit for it. For the pre authorization. Since I had a balance and need to transfer it to 0 % interest I took their offer and was pre approved for XXXX cards of which saver one showed up. At no point during my call was I told I needed a perfect or excellent score for this card. After applying I uploaded all the documents in XX/XX/XXXX right away with the front and back of my ID card, social security card and document letter which was required. Days later XXXX I received a letter stating upload the sane all XXXX requirements, I called customer service since the application line was not open I told them Ive submitted these online is that okay. She said yes. Then I waited and waited. Instead of 10 days I waited 13 days and called them. They asked again your documents are missing. I sayd no theyre uploaded I have a confirmation. So the next day I get a letter of denying me the card. When asked the supervisor they apologized for not being able to explosion it to me that they need XXXX plus excellent score. 

At no point was this discussed with me prior to running my credit and hitting it with points. 
I spend days waiting on them to contact me while pulling me away from other resources that I couldve researched to keep me from having this interest hit my balance that needs to transferred
Consumer complaint received 2024-05-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC (FL)

XX/XX/XXXX : XXXX XXXX -hired XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX  issued, received, and cashed : XX/XX/XXXX : {$98000.00} XX/XX/XXXX : {$82000.00} XX/XX/XXXX : {$79000.00} XX/XX/XXXX : {$22000.00} Total received as of XX/XX/XXXX : {$260000.00} Pending checks awaiting the release of funds as of XX/XX/XXXX : {$130000.00} A check for {$130000.00} was issued in midXXXX of this year and incorrectly endorsed. Lakeview/XXXX  XXXX sent the check back to us, and we had it correctly endorsed and overnighted to Lakeview. As of today, XX/XX/XXXX, we are still awaiting funds to be released. With every phone call to Lakeview, we have been told vastly different stories and what to do on each phone call to move forward in the process. 

The inspection has been completed, and our contractor is approaching XXXX  days of non-payment from the mortgage company. This is a pressing issue that requires immediate attention. Our contractor will have to put a lien on the house for non-payment, and it is looking as though we will lose our house AGAIN. The insurance company has released all funds to our mortgage company, who is unwilling to give us or our contractor the money owed. We have flown back into the country to handle this matter in XXXX, XXXX, and XXXX. We can no longer afford to fly back and forth on short notice in hopes of putting this nightmare behind us.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

In these accounts that contain late payments, incorrect information has to be reviewed and eliminated. This is incorrectly reported under my name and affects me too much. 

DPEDXXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX - Incorrect XXXX XXXX CT - Incorrect XXXX XXXX - Incorrect XXXX, XXXXXXXX XXXX - Incorrect
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (NC)

On XX/XX/2024 I observed my account was locked. Over the past 12 months, my account was repeatedly attacked with fraud attempts. I found myself going into the local branches in my home town, so many times I loss count. I finally asked the banker, XXXX XXXX, was this an inside job? He never gave me a direct answer. I found myself in tears, trying to figure out why my account was being targeted. On XX/XX/2024 after receiving a XXXX deposit from my ex-husband for spousal support, my accountwas locked and Truist refused to give me my money. I became enraged and slammed the phone down when a lady from the escalation department tried to flip the truth and tell me that they had found wire fraud on my account. My ex husband has been sending me lump sums of money for over a year trying to make up for the {$750000.00} he owes me in back spousal support. The lady refused to hear me, when I said XXXX, I need my money, I must get my XXXX medicine. Truist tried to close my account before I retrieved all the evidence I need to support my statement, but they could not. I have it. They are accusing me of fraud, which is character defamation and slander. They have allowed money to be stolen out of my account numerous times, and to cover their actions, they are trying frame me for fraud. I have the evidence needed to expose their actions, please contact me, I will assure you get it.

I am not the only one Truist has treated like this. This is a pattern with them. Read this article : XXXX XXXX XXXXXXXX also check out this XXXX page : XXXX XXXX XXXXXXXX
Consumer complaint received 2023-12-20
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (FL)

I have contacted American Express at least half a dozen times asking for a hard block on previous credit card numbers after receiving replacement cards. I did this in order to stop certain companies from continuing to charge my account for services I did not authorize. As these charges occurred, I have done my best to keep up with them and filed disputes, but it is time consuming and sometimes difficult to keep up with. Each time I have attempted to initiate the hard blocks, I have gotten various answers from American Express, but always the same results. Sometimes the agents have guaranteed me that none of my old credit card numbers will continue to work after they supposedly put the block in place, while other times I have even had agents ( including supervisors ) tell me there is no such thing as a hard block. When I called again Last week The agent told me that American Express had streamlined the hard block process and it was now easier to put it in place. I waited while he said he blocked all old card numbers and sent me a new card, but within 48 hours I had two unauthorized charges to my account
Consumer complaint received 2024-05-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (OH)

My loan has been transferred several times. While under service with Rushmore loan management, several payments were made to them from the state of Ohio ( XXXX XXXX XXXX ). 
They state they have to record of these payments. This company was absorbed by Mr Cooper and is now called Rushmore serving. I cant access any information nor can I get anyone on the phone. Where did that money go?
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/year> i was traying to get a secured card becouse i Was traying to fix my credit but for some razn capital one didnt take XXXX XXXX for secured card so i call many times they tolkme they didnt know Was going on so i been traying to fixed this issue never i have the card also Was not my foult for some.reazon they take the.secured.money as deposit i Will like this hard.inquiere take out from my cedit scored.becouse.is not fear also never i gey the card
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America has an unfair practice in place when calculating minimum payments on their credit cards. In XXXX I made a payment to Bank of America in the amount of {$6200.00} which brought my balance to {$250.00}. Since the payment applied prior to the statement cutoff the minimum payment required to make on XXXX was {$200.00}. This practice is unfair as they are requiring me to pay majority of my statement balance. Meanwhile the payment I made in XXXX satisfied both XXXX and XXXX payments. They also told me that if my payment was one day later my minimum payment would have been one of which that reflects my outstanding balance. My complaint is that the minimum payment should be determined at the cut off of the statement. They way it currently is the statement balance fluctuates however the minimum payment does not which means they are calculating the minimum payment prior to any payment being made for the current month. With this practice if the statement was brought to a XXXX balance prior to the statement cut off the following month would still require a minimum balance. They stated they would not be the case but then they does tell me that there are inconsistency with how they calculate minimum payments on their credit cards which does not hold truth in what they disclose to their clients.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XX/XX/XXXX
Consumer complaint received 2024-06-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (NY)

According to FCRA XXXX, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I asked for legitimate documents to prove the appearance of these items in the credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-15
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: Experian Information Solutions Inc. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-20
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. (MS)

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Experian etc., are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies. 
15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 
XXXX Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Consumer complaint received 2024-09-03
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (MS)

I am the original author of this complaint. I have been dealing with the frustrations of these unlawful and inaccurate reportings to my credit report. The following XXXX XXXX XXXX has been consistently reporting erroneous information which has been a hinderance for me. I do not owe any apartments! They won't even validate themselves as required by 15 US Code 1692g! This property manager has reimbursed me with a check for the balance that they are claiming that I owe, yet they are still reporting the balance as a debt onto my credit report.