davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-21
Product: Prepaid card — Government benefit card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: FISERV INC. (CA)

The company in question is Money Network Financial , LLC. 

Around XX/XX/year>, I received the card used for receiving California EDD 's benefit payments. Along with the card were information relating to the card. Specifically, the transaction limits for ACH transfers to domestic banks is described as $ XXXX per transaction, $ XXXX per day, and $ XXXX per month. The attached picture shows the transaction limits table that was sent with the card and other disclosures. The same disclosure is also provided online : XXXX XXXX XXXXXXXX % XXXX These limits appear to have been false information. 

On XX/XX/year>, I initiated a transfer for {$500.00} to my personal bank account ( with XXXX XXXX, XXXX ). This transfer was successfully completed as of XX/XX/year>. 

On XX/XX/year>, I attempted to initiate a transfer for {$6400.00}, this amount comprising the then-remaining balance of my account. However, the transfer could not be completed, with the following error message : " The amount entered is greater than the maximum transfer amount ''. 

After a few tries and researching, believing this to be the result of reaching some transaction threshold, I was able to initiate a transfer for {$4500.00} instead. I then attempted a transfer for {$500.00}, and the transfer failed with the error message " Daily limit for Domestic transfer exceeded ''. However, I was able to complete an additional transfer for {$490.00} instead. 

It appears that the daily transaction limit for domestic transfers is actually $ XXXX, and not $ XXXX as described in the disclosures. 

The lower limit on its own is problematic because the EDD has significant delays in approvals and thus consumers can quickly accrue balances much greater than a $ XXXX, and so now the consumers must wait several days to move funds to their own accounts. These are consumers at the most vulnerable, out of work and/or disabled and counting on CA benefits. Also, these prepaid card servicers have always had issues with fraudeach day that a consumer is forced to leave funds in these accounts rather than moving funds to their own trusted bank accounts expose them to the dangers of these fraudulent scenarios. 

The false disclosure of a higher $ XXXX limit is also problematic. This led me to wait to initiate the larger transfer, believing it could all be completed in one fell swoop at a later time. I'm now forced to split the transfers over several days. It is sometimes necessary to move funds to another account as quickly as possible, as not all financial obligations can be satisfied with cash or a debit transaction.

I shouldn't have to risk getting tagged for trying to test transaction limits, just because I'm relying on the disclosure and trying to move my own money.
Consumer complaint received 2023-10-19
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 2024-06-15
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 (FL)

In accordance with The Fair Credit Reporting Act, this creditor has violated my rights under 15 U.S. Code 1681 and 15 U.S. Code 1666. U.S. Code 1681 Section 602 states that I have the right to privacy, 15 U.S. Code 1681 Section 604 ( A ) Section ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions, and under 15 U.S. Code 1666 ( B ) a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
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. (NY)

Hello, I recently made a credit report and I'm looking at a lot of incorrect information from the XXXX XXXX XXXX XXXX report that is seriously affecting my credit. I ask for an investigation so that it can be corrected and deleted from my credit report as soon as possible.
Consumer complaint received 2024-06-15
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 (OR)

XX/XX/XXXX I got an email from Capital One saying that my mobile number was changed and then another email ( same day ) saying my card was on the way to my address. 

In addition to this, I received an email from XXXX saying that a XXXX XXXX had accessed my information ( typically because I applied for a credit card or loan or something similar ). Which of course, I had not done. 

I called on XX/XX/XXXX to XXXX and Capital One. XXXX told me to contact Capital one but that they would put a safety hold on my account. Capital One told me they would investigate the situation and get back to me but has not yet done so ( XX/XX/XXXX ).
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (MI)

On Monday XX/XX/24 at about XXXX pm I went to the Huntington Bank located on XXXX XXXX XXXX, XXXX, XXXX XXXX and deposited {$1300.00} in their atm. My account has not been credited yet. I have filed a dispute and I go to the bank every day since that day to see what can be done. I was told Tuesday XX/XX/24 by a bank employee that the atm was over by that exact amount. So what's the problem with me getting my money back? Everyday I am being told the same thing. That it is under review. How long does a review take? It didn't take that long for Huntington 's ATM to take my money. I would like to make a complaint against this bank because in my opinion, they are not treating this as if it's an issue. I feel like everyday they are just telling me something to get me out of there. I know there are camera 's on the atm that should be able to see exactly what happened.
Consumer complaint received 2023-09-03
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 2024-07-18
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. (MI)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 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 2024-06-02
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. (NC)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (RI)

My mortgage was switched from XXXX XXXX to XXXXt Mortgage. In the month of XX/XX/XXXX, Shellpoint debited my checking account in the amount of {$XXXX} first on XX/XX/XXXX then again on XX/XX/XXXX. After discovering the issue, I called on XX/XX/XXXX to let them know they debited my account twice for my XXXX mortgage payment. They said it was a known issue and that they were fixing it and I should see the money back in my account by the end of the day. XXXX XX/XX/XXXX, the money was still not back in my account. I called again and they told me they were looking into it and working on it. I called again XXXX XX/XX/XXXX, and they told me to wait until the end of the week. I am extremely frustrated by this as I have other bills to pay and expenses. Almost {$XXXX} has been taken from me and I am not confident I am getting it back. The switch to this mortgage company has been a nightmare and not of my choosing.
Consumer complaint received 2024-05-21
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)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-06-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Denefits LLC (OK)

I have told this company repeatedly that I will make payments on my own as I can to get caught up and they repeatedly contact me to try to get me to settle and use harassing language and threaten to take legal actions.
Consumer complaint received 2024-06-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA (FL)

APPLE CARD - GS BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$6800.00} I called this company, they did not response.
Consumer complaint received 2024-06-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (TN)

In XXXXXXXX XXXX XXXX  I totaled a car that was in both my wife and is name. After insurance paid there was roughly XXXX dollars left to pay due to not having gap on the vehicle. 
At that time we were not notified that they expected it in XXXXXXXX XXXX some and immediately. As well as at that time we did not make the kind of money to be able to afford that large of a lump some at XXXX time. 
Nonetheless we paid what we could when we could, you can still log in to the portal and see where payments were made every week to XXXX weeks, whether it was {$30.00} or {$200.00}, an effort was made to pay towards the remaining balance. It took roughly XXXX months for us to pay the balance. The company reported payment XX/XX/XXXX days late on both our credits, as if they hadnt received any type of payment. 
I dont see how this is fair, as we werent told that it had to be paid all at once, and that there was clearly an effort made to pay as much and as quickly as possible, it is not like they just went XXXX months without any sign of payment. 
This has had a huge impact on nearly everything weve tried to do since.
Consumer complaint received 2024-06-15
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Kikoff Inc. (GA)

I contacted the customer service department to cancel my account. The terms were confusing and misleading. During this call, the representative assured me that my account would be closed, and any associated activity would be removed from my credit report. 

I begin to receive alerts re : a late payment. To prevent further negative impact on my credit report, I decided to pay the account that I was told would be closed. 

I kindly request that the company update my account status to reflect all payments as current. This issue has adversely affected my payment history and overall credit report.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Bread Financial Holdings, Inc. (GA)

XXXX i was notified by comenity bank that i had two credit cards in my name that i know nothing about opened in XXXX I requested the bank to remove these claims from my credit file. I never applied for any credit cards with this consumer. I do not have any credit. Comenity bank refuses to remove this negative information and fraudulent activity off my credit file. I can not even open a self serve credit line to start building credit. The response they sent me states there was no basis for the claim.
Consumer complaint received 2024-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (MN)

My loan was sold from my current mortgage holder to Mr Cooper mortgage company. I understand this is not uncommon and I understand that for the first 60 days federal law prohibits them from charging me any late fees or fines during the transitional period. I received a letter saying that I did not need to take any further action and that my automatic withdrawal would continue at Mr Cooper. During an unrelated issue I was told that after 3 months ( 1 month past the Federal limit ) I would need to reach out to Mr Cooper and reset up my automatic payment withdrawal otherwise I could be charged for non-payment or late payment. If I had not been speaking to them about another unrelated issue there would have been no documentation to inform me of this. They promised me it was listed on my welcome letter and that I should go look at it. While on the phone I found the welcome letter and nowhere does it say that. It seems very predatory to me that they would allow the grace period to expire before canceling automatic payments. I can think of no logical reason that they wouldn't do it on the second month so that the transfer would still be new people wouldn't be lulled into a sense of security. At that time if something did happen it wouldn't negatively affect borrowers lives.
Consumer complaint received 2024-06-12
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Collection Management. Inc (NE)

I moved out of XXXX XXXX XXXX during the weekend of XXXX. My lease with the apartments was set to end in XXXX and I had been in contact with who was managing the building at that time- XXXX XXXX. I communicated on XX/XX/XXXX, that I would be moving out by XX/XX/XXXX. XXXX confirmed that she had received that information and would post it to the account. 

XXXX had completed an application verification for my new apartment building and therefore had a forwarding address on file. No communication was made with me by XXXX or XXXX Co representatives after I provided my move out date ( see attachment ) and there was no communication during or after my move. The only communication I received was an automated notice that there would be new management of the building - XXXX XXXX had bought the building from XXXX. 

The building, now under XXXX XXXX, used a call box that connects to our cell phones - we could buzz people in from our phone. After moving, I had continued to receive calls to buzz people in. I reached out to XXXX XXXX via email to remind them that I had moved and asked to be taken off the call box so I would not receive any additional calls. At no time between XXXX to XXXX XXXX did anyone say anything about an amount owed. 

I received a collections notification in the mail yesterday ( XX/XX/XXXX, dated XX/XX/XXXX ) stating that XXXX had turned me over to collections for an amount of {$960.00}, with a note stating " As of XX/XX/XXXX, you owed. '' I attempted to call Consumer Collections XXXX to discuss and was told that they had turned me over and stated that they had no forwarding address to attempt to collect. I informed them that they did have a forwarding address and that proper collection practices were not followed so I did not owe this amount. The collections agent continued to speak over me and informed me that she would not be able to continue the conversation because I was unwilling to provide my SSN or DOB to them - information that they should have on file in order to collect.
Consumer complaint received 2024-06-21
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XXXX, XXXX, i made a payment to my credit card with CapitalOne. 
Typically the payment will update the available balance to reflect the payment made. 
That day it did not, i called the company to ask why, they said that they were holding until the payment transaction processed, typically XXXX hours. on XX/XX/XXXX, my account was debited for the payment i made {$220.00} ), i waited a couple of days and called them to see why the payment had not been applied. They informed me today the that account was on hold until XX/XX/XXXX ( 26 days ). They acknowledge the payment, that the funds were received. The claim that this happens at random and that they have the right to do this according to the customer agreement. She confirmed that i have not made a late payment in years, they confirmed that the payment was not out of the typical modality. 
yet they can not be specific as to why it is being held.
Consumer complaint received 2023-08-05
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. (KS)

I have identified multiple accounts on my credit report that are a result of identity theft, and I wish to exercise my rights as a consumer protected under relevant laws and regulations. I have already taken the necessary steps to contact the companies involved in these accounts to inform them of the fraudulent nature of these entries. They have been made aware of the fraud and have acknowledged the issue. 
As a responsible consumer and as provided by the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act ( ITADA ), I demanded they take the appropriate actions to block and delete the following fraudulent accounts from my credit report : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX, XXXX Account Type : Collection Status : Collection account. {$260.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Auto Loan Status : Account charged off. {$53000.00} written off. {$57000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Credit card Status : Open. {$150.00} past due as of XX/XX/XXXX. 
I understand that as a consumer, I have the right to protection against identity theft as mandated by the FCRA. I expect the CRA to conduct a thorough investigation into these disputed accounts within 30 days, in compliance with the FCRA, and provide me with written updates regarding the progress of said investigation. 
Moreover, I insist on the protection of my personal information as granted under the FCRA and the Fair and Accurate Credit Transactions Act ( FACTA ). Any information regarding my credit report should remain confidential and should not be shared without my explicit permission. 
I am aware of my rights to consumer report privacy as stipulated by the FCRA, and these CRAs are not respecting these rights. 
Please note that I have provided all relevant supporting documents as evidence of identity theft, including FTC reports and correspondence with the respective companies acknowledging the fraudulent nature of the accounts. 
I expect that this matter is treated with the utmost seriousness and urgency. This is the last time I am requesting cooperation in handling this dispute fairly. If these fraudulent accounts are not promptly removed from my credit report, I will have no choice but to seek legal action against these agencies for failing to comply with the law. 
As a responsible consumer, I have been vigilant in addressing these issues promptly, and I believe in the fair and accurate reporting of credit information. I trust that this matter will be handled with the respect and adherence to consumer law that it deserves. I look forward to receiving a response and to see resolution of this dispute.