davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I tried to have Capitol one deleted from all three credit bureaus in the past three months Capitol one always comes up with updates from a closed account ... ..I noticed what i think there is nothing on the trade line. except when it closed and credit limit... there was a lawsuite concerning XXXX and Capitol One. I think you might be aware of. 
this is the problem with Capitol One
Consumer complaint received 2024-01-03
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANCO POPULAR DE PUERTO RICO (NC)

On XX/XX/XXXX a XXXX I had with Popular Direct, ( XXXX XXXX XXXX, XXXX XXXX, Florida ) matured. I called to have it redeemed with funds mailed to me. I have a XXXX XXXX with Popular direct and I followed the same procedures I have done each month since 2022. 
XX/XX/XXXX : Popular issued a check for XXXX. I received check in the mail. 
XX/XX/XXXX : I deposited the check XX/XX/XXXX : Popular put a stop payment on check. Funds were therefore removed from my checking account. 
XX/XX/XXXX : I called Popular at XXXX XXXX. I was told they were unclear as to why stop payment was enacted. They told me they would look into it and call me back on the phone number they had on file. They did not call back. I called them at XXXX and spoke with XXXX XXXX. He said they would overnight me a reissued check at no charge to me. 
XX/XX/XXXX : I gave them extra time to get me the over nighted check. None was received so I called and spoke with XXXX. She could not explain why the stop payment was issued. She said she was marking my case as urgent and she would personally expedite an explanation and would have the check overnighted. I told her I wanted to speak to a supervisor. I was transferred to XXXX. She indicated the matter was an issue with processing. She would investigate with internal department to see why stop payment had and she would call within XXXX hours with an answer. I waited XXXX hours and never received callback. I called Popular. This time I spoke with XXXX. He said XXXX was unavailable, but would have her call right back. She did not after another XXXX hours. I called back at XXXX. I spoke with XXXX again. She said she would escalate the urgency of the matter. She told me I could not speak to any supervisors as all were unavailable. She told me the head supervisor was XXXX and I should call back between XXXX the following day. 
XX/XX/XXXX : I spoke with XXXX. She said all supervisors were out until Wednesday the XXXX and that I should call back then. 
XX/XX/XXXX : I spoke with XXXX he said still no supervisors available, and they were well aware of the issue.
Consumer complaint received 2024-04-11
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: DISCOVER BANK (LA)

On XX/XX/2024 I had applied online for a loan and I immediately got a call from a man stating he was with XXXX XXXX and I was approved for a loan of {$900.00}. He took all of my information sounding legit, didnt ask for money in return and he asked for my bank details so the money could be deposited into my account right away so I gave him that information. I checked my account just a little while later and seen that a {$900.00} check was in my account just hadnt been released by my bank yet. The next morning I checked my account and the money was there and available, that was XX/XX/2024. On XX/XX/2024 I started receiving alerts about overdrafts in my account and a lot of them. By XX/XX/2024 my account was overdrawn {$1000.00} then my payroll check was direct deposit and every bit of it went toward the negative balance on my account. This is the first time I had ever been in the negative with my account and I have tried to no avail to get this fixed with my bank and the bank on the said check. Im a single mother with only my income and I live paycheck to paycheck, no extra anything and my whole check is gone because of something I had no control over. I need to just know where I can turn to to get my money back.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NJ)

Good afternoon, I've received in XXXX my new assigned SSN I tried to update it on my equifax trough a dispute, ( probably the incorrect way ) but even being a legal document issued by SSA and also provided my XXXX  and NJ ID, they've refused to update and now not even to unlock my report, and every time I try anything like getting a phone line it shows me that I have a freeze, XXXX and XXXX are ok, can pull my reports and scores but not with Equifax. 

My banks and creditors were previously reporting under my itin number and I was trying to update it, and now my report is locked when my creditors are reporting my my new SSN
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CA)

Claim XXXX This was reversed but I did NOT recieve the product. 

I've submitted a lost package request with XXXX and they have NOT located the package. I am able to provide an entire day 's video footage on the day that was marked as delivered to show ( unedited ) that there was no delivery. 

Reference : Search ID # XXXX  XXXX XXXX XXXX Tracking Number XXXX XXXX XXXX lost package information
Consumer complaint received 2023-09-21
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. (NV)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-01-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (MD)

This company is calling me repeatedly. They are trying to collect on debt that was discharged in XXXX  many years ago. 

They will not stop calling despite repeated requests. They are threatening me, saying derogatory statements about me, and operating illegally in a phishing scheme. They refuse to give me information & want my attorney to call them but they wont give me any information except kind of teasing me with threats & asking me how I can sleep at night when I didnt pay my bill. 

They have many many many many phone numbers. 

They say they work for XXXX XXXX.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: OPORTUN FINANCIAL CORPORATION (IL)

I have filed two previous complaints against the Oportun company, and they responded that they messed up with the loan issues, and said that they would close the account and would not do any further wrong credit reports. They are STILL making negative credit reports, even after the TWO PREVIOUS COMPLAINTS have been closed. This is about the XXXX credit report that they put on my credit score report, and they have messed it up AGAIN.
Consumer complaint received 2024-01-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I recently applied for credit on XX/XX/2023, which I was denied. I am asking Bank of America to reconsider their decision, regardless of the reason for this denial which has negatively impacted on me, I have the right to credit. On your XXXX  XXXX filling with the XXXX on page XXXX under credit extension commitments it states " The Corporation enters into commitments to extend credit such as loan commitments, XXXX 's and commercial letters of credit to meet the financing needs of its customers '', under credit card securitization it states, " XXXX XXXX securitizes originated and purchased credit loans ( including receivables ) to support its own and its customers financing and investing needs which I have received no benefits. Therefore, withholding my rights to my securities is indeed securities fraud.
Consumer complaint received 2023-03-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA (MD)

Marcus by Goldman Sachs had a special offer in early 2023 : " Get a {$100.00} Cash Bonus when you deposit {$10000.00} in new funds to a Marcus Online Savings Account. '' The requirement was to enroll in the promotion, deposit {$10000.00} in new funds within 10 days, and then maintain those funds plus the existing balance for 90 days after the 10-day funding period. 

I enrolled in the promotion on XX/XX/XXXX and received a confirmation email from Marcus. The promotion was correctly noted on my online banking account. I deposited {$10000.00} on XX/XX/XXXX to meet the terms of the promotion. 

On XX/XX/XXXX, I notice that the promotion had disappeared, so I called Marcus. The representative said that she fixed the issue and gave me a case number. The online banking portal appeared to say that I had been re-enrolled in the promotion on a date in XXXX. 

On XX/XX/XXXX, I noticed that the promotion had disappeared from my online banking. I wrote in via chat. The representative confirmed that I was enrolled in the promotion on XX/XX/XXXX, and that I deposited funds on XX/XX/XXXX, but said that I was not properly enrolled and could not discuss further via chat.
Consumer complaint received 2024-05-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CARD Corporation (LA)

On XXXX and XXXX someone activated my card and withdrew XXXX of my funds. I notified this company multiple times that I was incarcerated at the time of this transaction. This company denied my dispute twice and I have no idea why but I would like for them to properly investigate my concern. I sent them a card from my police report and bond papers in which my dispute was still denied. This company also has lied about reimbursement of funds that aren't authorized to cardholders due to the cardholder agreement form I attached along with this complaint. I am asking for a full refund.
Consumer complaint received 2024-01-02
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 (MA)

On XX/XX/XXXX I attempted to pay the balance on my credit card. Unfortunately, the payment center on the website had been offering two payment options, one for the active card I was trying to pay, ending in XXXX and another for a card, ending in XXXX, that I had not used in XXXX years that had in fact been cancelled by Bank of America XXXX On XX/XX/XXXX, I accidentally applied my payment to the closed account ( XXXX ), and the system did not reject it, despite the closed account having a XXXX balance. I noticed the problem the next day, at which time the Bank of America website showed the payment as processed for the closed account ending XXXX. See enclosed Document XXXX. 

I called customer service on XX/XX/XXXX, and after navigating a poorly designed phone system and being on hold on multiple lines for about XXXX minutes, I finally reached an agent. He could not see the payment on the closed account or any record that it existed. He was not able to cancel the processed payment but said, since there was no account to which the payment could be applied, it would not be deducted from my checking account. He did consult with a supervisor, who removed the closed account as a payment option so the problem could not occur again in the future. 

Reassured that the payment would not be deducted from my checking account, I went ahead and paid the correct account in the same amount of {$180.00}. See enclosed Document 2. 

I learned on XX/XX/XXXX that the amount of {$180.00} was paid twice to Bank of America from my XXXX checking account. See Document XXXX.
Consumer complaint received 2024-01-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On the XXXX of XX/XX/XXXX while traveling for XXXX I stooped and got fuel @ XXXX and went to check into XXXX  at XXXX and card was declined. After calling the bank on the XXXX I was not able to get USAA to tell me anything about why my card was being declined. XX/XX/XXXX I received notification that USAA was exercising its right to discontinue business. Could not tell me more about or why. XXXX miles from home with every XXXX  to my name was in the bank me and wife and XXXX kids had to sleep in vehicle because USAA wouldn't allow access to any funds. XX/XX/XXXX, XXXX spent hours on the phone with usaa trying to a reason or explanation of what cause and why this happened. No answer. On XXXX XXXX I contacted usaa again, spent hours on the phone being transferred in circles trying to get answers I was told account was going to be placed in credit only status and I was told I would not have access to my funds for XXXX from XXXX XXXX. XXXX XX/XX/XXXX and I am being told I can not access my funds and I can not close my account that all my money would be returned in XXXX. XXXX  years as a customer with USAA. I have all my insurance and everything with them and now they have taken away all my account access and account history.
Consumer complaint received 2024-01-02
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. (LA)

XXXX XXXX XXXX XXXX, am writing to address significant concerns related to potential violations of the Fair Credit Reporting Act ( FCRA ) by consumer reporting agencies, namely Experian, XXXX, and XXXX, as well as the financial institution, XXXX XXXX XXXX. 

Citing 15 USC 1681 section 602a, it is emphasized that consumer reporting agencies bear the responsibility of exercising their duties with fairness, impartiality, and a profound respect for the consumer 's right to privacy. Simultaneously, 15 USC 6801 establishes Congress 's policy, stipulating that financial institutions, including XXXX XXXX XXXX, are obligated to affirmatively and continually respect the privacy of consumers and safeguard the security and confidentiality of nonpublic personal information. 
Referring to 15 USC 1681 section 604a section 2, it is underscored that consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the consumer. As of this communication, neither XXXX XXXX XXXX nor the consumer reporting agencies, Experian, XXXX, and XXXX, possess my explicit written consent to furnish my information. 

In light of the above, I am formally revoking any and all authorizations, whether verbal, nonverbal, written, implied, or otherwise, that may have been granted to Experian, XXXX, XXXX, and XXXX XXXX XXXX, as per 15 USC 6802 ( b ) ( c ). Notably, XXXX XXXX XXXX failed to inform me of my right to exercise the nondisclosure option, as mandated by the same statute. 

Moreover, 15 USC 1681 ( c ) ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in a consumer report without proper authorization. The reported account constitutes an adverse item reported without my explicit permission, in violation of 15 USC 1681s-2 ( A ) ( 1 ) ( a ). 
Under 15 USC 1681E, consumer reporting agencies are required to maintain reasonable procedures to avoid violations. It has come to my attention that Experian may not be adhering to these prescribed standards.

In accordance with 12 CFR 1016.7, I am formally exercising my right to opt out of adverse reporting services. I kindly request your immediate attention and resolution of these matters. Your prompt response to this serious concern is highly anticipated and appreciated.
Consumer complaint received 2024-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WA)

Mohela services all of my student loans and the accrued interest they are showing is significantly higher than when I manually calculate the interest. For example, my current outstanding balance is {$17000.00} with interest rates ranging from 3.15 % to 6.55 % ( weighted average 4.71 % ). As of XX/XX/2024, Mohela is showing my monthly accrued interest at {$190.00} for the month which calculates to a 13.5 % annualized interest rate on my balance. None of that makes any sense to me. In addition, I am supposed to be receiving a 0.25 % rate reduction on all of my loans for having auto-pay setup on my account which I can not confirm is being applied to my payments. So far, I have been unable to get any info from Mohela - calling them is fruitless as I have always gotten a robo-answer saying they are seeing unprecedented call volume and to please stay on the line or visit the website. I have waited for upwards of XXXX minutes at a time and still was not connected to an actual person.
Consumer complaint received 2024-01-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

My Capital One savings account was closed due to some fraud in my account. Capital one told me that they would be mailing my savings money to me via a check. I asked the bank to change my address before sending due to our mail system being down. They sent first check without changing the address and claimed it was mailed out on XX/XX/XXXX. I waited 10 business days and the check never arrived. 
I called again around XXXX and thats when Capital one said they would mail another check to me since they could see that the first one had not been deposited. 
Then I called on XX/XX/XXXX and said I had not received the second check. The manager told me that I would receive and email to determine if an affidavit was needed or not. Then they would go through with canceling the check before sending on another. 
When I called a fourth time on XX/XX/XXXX, to inform them that I had not received an email, they told me the conversation with the manager had not been looked at or processed. They also made a note that I would prefer to have my funds transferred to an external account. 
I received an affidavit via email on XX/XX/XXXX, but my lawyer instructed me to not sign it. Together, my lawyer and I called capital one on XXXX, because they would not speak to my lawyer without my presence. The exchange lasted over two hours, we were transferred to four different people, placed on hold for a total of 45 minutes, and were told that a new check would be expedited to a new mailing address within 5 business days. After five business days, I still never received my savings check. My lawyer and I called again on XX/XX/XXXX and the employees continued to go through the same process to sending another check in the mail. After we repeatedly asked for a new plan of action for about an hour, we were transferred to a manager, who had no knowledge of recent events and hung up on us before a course of action was determined. This was the last communication I have had with anyone from Capital One banking.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On XX/XX/2023 I initiated at XXXX transfer from my XXXX XXXX account to my Merril XXXX XXXX. While the transfer is being initiated, I have been trying to link my bank account to Merril XXXX on the XXXX, XXXX, XXXX, XXXX, XXXX, and the XXXX and I was told that I could not. On XX/XX/XXXX, I was told to send in a Eform with my account information and wait 24 to 48 hours and that my account will be linked. On XX/XX/2023, I called Merril XXXX asking for an update and the representatives tell me they dont know why my account has not been linked yet, that they will escalate this issue. That I should wait 24 hours and it should be linked. On the XXXX, after seeing my bank account still not linked, I requested a wire transfer withdrawal to my XXXX business account. On XX/XX/XXXX, I wake up to see my account has been disabled, and when I called, the representatives told me that my account has been under review for a couple days now and it will take 10 to 15 business days to review my account. Until then I am unable to log in and retrieve my funds. Merril XXXX has been harboring my funds and has not provided me any update. Due to unforeseen circumstances, Ive been trying to withdraw my funds and they have made it a hassle. If my account has been under review, why would they allow the XXXX transfer in the first place? Calling support has been a issue because they all say wait 24 hours for no prevail.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (AZ)

Chexsystems has outdated information and per fcra any inaccurate information needs to be deleted immediately. I'm not trying to verify but validate the validity of its claims. I need proof where I am obligated to their claims. Untill then reporting otherwise is considered fraud. XXXX XXXX XXXXXXXX XXXX report need validation.