davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX  Cell : ( XXXX ) XXXX Email : XXXX XXXX XXXX XXXX . XXXX . XXXX XXXX XXXX, XXXX. XXXX Dear Sir/Madam : I am writing to you in regards to my complaint of an unfair and unfounded investigation by Bank of America ( BOA ) with my account. There were approximately three ( 3 ) illegal activities/transaction ( s ) on my account ; that was brought to my attention by BOA and this was the result ( s ) of the issue that follows : On or about XXXX the XXXX, XXXX ; between the hours of XXXX XXXX  and XXXX XXXX, I had received a text from Bank of America ; asking if I had approved a transaction for XXXX XXXX XXXX XXXX Dollars ( XXXX )? I immediately called the bank and advised them that it was not me ; consequently, please do not approve that transaction. They then advised me that my card was being used in the state of Iowa. I advised the Customer Service Rep. that I only use my card in New York, and had never been in Iowa. The BOA representative advised the undersigned, that the card was used three times totalling {$4500.00} and transactions were pending. I advised the Rep. not to disperse any fund ( s ) /transaction ( s ). I later found out that the transaction had gone through without my approval or authority to do so. I then visited a Bank of America near my residence to inquire further and that's when I found out that my personal information was stolen/changed. Bank of America showed me an Address of XXXX XXXX XXXX XXXX XXXX XXXX , Ar . XXXX. I know or havent known anyone ; nor have I ever visited Arkansas. I requested that BOA conduct an investigation on this issue, and to replenish back the funds to my account because those actions were fraud. The funds taken out by fraud were replenished about two weeks later ; but, was taken back out of my account on XX/XX/XXXX. XXXX. After I had found out the action that BOA had taken, they stated that because my card was always in my position and was not stolen, it's either I used it or gave someone the card to be used ; because the chip can not be duplicated. 

This statement/investigation from the BOA is unequivalently not true and totally incorrect. I am asking for your help in this matter and or your advice on how I can further get this matter resolved, and to have BOA replenish my funds back in my account. BOA is engaged in unfair practices and not abiding by FDIC agreement/policy. 


Yours truly XXXX XXXX
Consumer complaint received 2020-08-06
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE ()

I would like to bring your attention to a serious issue I have with Western Union wires that first took place on XXXX of XX/XX/XXXX to a FRAUD SCAM Brokers : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   ). 

I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  ) - the Scammer. 

The funds were transferred utilizing Western Unions services in the total amount of XXXX CAD! I would also like to point out that on XXXX of XX/XX/XXXX - I filed a dispute with Western Union.
Consumer complaint received 2024-03-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (GA)

Submitted borrower defense cases in late XXXX due to the schools ( XXXX XXXX and XXXX XXXX ) being accused of misleading students alongwith false promises. Borrower defense cases were approved in XX/XX/XXXX. Havebeen trying to get a resolution from the Department of Education and my loanservicer ( XXXX ) for the last year. However when reaching out to either one, theyimmediately start pointing at the other company for resolution. Was informed byXXXX on XXXX that a refund of {$5300.00} was to issued. However thatmoney has not been received. Court documents attached show that all of thestudents loans and credit repair was to be completed by XX/XX/XXXX. However thishas not happened. Legal documents have been filed by the Project on PredatoryStudent Lending.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (MS)

My account with NAVY FEDERAL CREDIT UNION was never late. I have had exceptional payment history with NAVY FEDERAL CREDIT UNION and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in XX/XX/2024 REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

NAVY FEDERAL CREDIT UNION Never Sent the
periodic statement along with the DISCLOSURE from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX  and It was never provided.
This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear CFPB, XXXX, XXXX, TRANSUNION, AND XXXX XXXX, I write to you as a concerned consumer, well aware of my rights under federal law, particularly as enshrined in the tenets of 15 U.S.C. 1681 ( i ) ( 7 ) and 15 U.S.C. 1681 ( i ) ( 5 ). These statutes underscore the need for timely, accurate, and impartial credit reporting, principles I hold dear in my relationship with your esteemed agency. 
My concern pertains to XXXX XXXX XXXX XXXX XXXX XXXX which, upon meticulous examination of my credit report, reveals glaring inconsistencies. While I have previously attempted to dispute the account 's accuracy, these efforts have regrettably yielded no conclusive verification of its legitimacy. It is imperative to reiterate that the legitimacy and credibility of this account are significantly questionable. 
15 U.S.C. 1681 ( i ) ( 7 ) obligates your agency to promptly correct or delete any information found to be inaccurately reported. The stark discrepancy in the status of the account in question across the major credit bureaus constitutes a clear-cut case for a detailed investigation, as well as the subsequent deletion of the disputed account. 
I hereby formally request that your agency not only undertake a thorough investigation into the contested account, as mandated by the law, but also proceed with the immediate deletion of this account. It is important to emphasize that previous investigations have left a trail of unsatisfactory responses, leaving me with little recourse other than to insist upon its deletion to restore the integrity of my credit report.

In the pursuit of my rights as a consumer and under the aegis of 15 U.S.C. 1681 ( i ) ( 5 ), I demand a diligent, accurate, and swift response. The statute underscores the importance of your agency 's role in upholding the principles of fairness and accuracy in credit reporting. 
The demand for the deletion of the disputed account is not merely a request ; it is a legal and ethical imperative to rectify the inaccuracies that have tarnished my creditworthiness and financial standing. The precedent set by federal statutes and the protection of consumer rights firmly support this request. 
In conclusion, I implore your agency to treat this matter with the utmost gravity and urgency it merits. The due diligence and expeditious attention to this matter are not only prudent but absolutely essential to rectify the apparent inaccuracies affecting my credit report. 
I anticipate your prompt acknowledgment of this request and expect a timely resolution, which will restore precision, impartiality, and credibility to my credit report. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC (IL)

I have been calling and disputing this {$83.00} debt since XXXX with both my credit bureaus and the collection agency. This was for my daughter 's XXXX  payments, which were auto ACH each month. The payment in question was supposed to be the final payment, which WAS paid via ACH. I have submitted proof of this to both the credit agency and the collection agency and it is still on my report. My credit score has been damaged greatly due to this.
Consumer complaint received 2024-03-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (GA)

Submitted borrower defense cases in late XXXX due to the schools ( XXXX XXXX and XXXX XXXX ) being accused of misleading students alongwith false promises. Borrower defense cases were approved in XX/XX/XXXX. Havebeen trying to get a resolution from the Department of Education and my loanservicer ( XXXX ) for the last year. However when reaching out to either one, theyimmediately start pointing at the other company for resolution. Was informed byXXXX  on XXXX that a refund of {$5300.00} was to issued. However thatmoney has not been received. Court documents attached show that all of thestudents loans and credit repair was to be completed by XX/XX/XXXX. However thishas not happened. Legal documents have been filed by the Project on PredatoryStudent Lending.
Consumer complaint received 2024-03-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IL)

recently submitted my IDR application to renew my IDR plan. The status of the IDR application in the Documents Received folder is " Approved. '' If I look at my next payment, I see my payment is {$260.00}. However, I have NOT received any official communications from MOHELA regarding the approval of this IDR application. I did receive a letter on XX/XX/XXXX which stated " This repayment schedule replaces the repayment schedule we recently sent you. '' However there was no payment schedule on this letter. The letter stated that my payment need to be recalculated using the XXXX poverty guidelines.
Consumer complaint received 2023-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 U.S.C 1681. ACCOUNT Name : MXXXX/DOFED  XXXX and XXXX/DOFED XXXX. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I DO NOT RECOGNIZE THESE INQUIRIES AND I HAVE ASKED FOR THEM TO BE REMOVED THE CREDIT BUREAUS DID NOT DO AS I ASKED I AM PROVIDING AN IDENTITY THEFT REPORT WHICH I WILL ATTACH AND I AM REQUESTING THAT THEY BE REMOVED, AS THEY ARE INACCURATE AND DO NOT BELONG TO ME.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

I declared bankruptcy in XXXX and had a vehicle loan through XXXX XXXX XXXX. This vehicle was not discharged through bankruptcy, it was paid in full. I have sent a letter from the finance company that says it was paid in full, but the credit companies refuse to change it from discharged in bankruptcy status to paid successfully.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One Violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., XXXX, and Pennsylvania XXXX I am writing to file a formal complaint against Capital One located at XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, for its blatant violation of the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 U.S.C. 1681s-2 ( a ) and 15 U.S.C. 1681i, among others. 

Capital One has inaccurately reported an account on my credit report as charged-off. However, this account was charged off and subsequently sold to a debt collector. Given that Capital One no longer owns this account and has been compensated for it, the persistence of this trade line and/or data point on my credit report is incorrect and misleading. Furthermore, my successful court victory against the junk debt buyer further substantiates the inaccuracy of the trade line. 

Additionally, the reported charge-off amount is erroneous. Prior to XX/XX/2018, I had made substantial payments towards this account, which are not reflected in the reported balance. This misrepresentation has unjustly impacted my credit score and financial standing.

Pursuant to 15 U.S.C. 1681s-2 ( a ), Capital One is required to furnish accurate information to consumer reporting agencies and correct and update any incomplete or inaccurate information. Moreover, under 15 U.S.C. 1681i, as a consumer, I have the right to dispute the completeness or accuracy of the information in my credit report, compelling Capital One to rectify any inaccuracies found.

Capital One 's refusal to amend this inaccurate trade line despite my disputes and supporting documentation violates these FCRA provisions. This action not only harms my creditworthiness but also undermines the integrity of the credit reporting system. 

I request the Consumer Financial Protection Bureau to intervene in this matter and compel Capital One to comply with its legal obligations under the FCRA, including the immediate correction of my credit report and any other relief deemed appropriate.
Consumer complaint received 2024-03-30
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One advertises 5x rewards when booking travel through the Capital One app. The app does not allow me to book travel, therefore Capital one is only giving me 1x rewards when I should have received 5x I find Capital One to be very unethical. I truly feel they are participating in internal fraud, predatory credit services, bait and switch along with unfair and deceptive business/credit reporting servuces.
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CLGF Holdco 1, LLC (NY)

Today, XX/XX/year> I logged into my main bank account to see a charge from Concora Credit Milestone card for {$330.00} which was my whole balance. I tried to log into my account, it said my information didnt match. Then I called the company. They told me that someone, a MAN, called them yesterday and changed the email and Other info of my account. Nobody notified me. This should not have happened. They wouldnt give me any of the new info ; and said they could put my email back on the account but have yet to do so. This person then paid off the card and CHARGED it again with access to my bank account and routing number in the stored payment details. They refused to give me any information or to take me seriously that this was fraud. I asked them to lock the account. They did not. I called my bank and had the charges reversed, but it will take days and I had to open a new checking account completely. I dont know where to go from here. I closed the card. Im so angry that they would let someone change my information. This company has some serious explaining to do.
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC (FL)

I am filing a complaint with the CFPB against Concora Credit for their failure to adhere to regulations in regards to refunding overpayments. I submitted a payment paying my XXXX XXXX in full with one of their representatives, initiating to also close the account. However, in the span of the following days, XXXX payments were initiated, both equating to the same value of the statement : {$710.00}. I confirmed with a CFPB representative that Concora Credit, or any other creditor, has no longer than 7 days to refund the overpayment initiated upon written notification and XXXX  draft. However, Concora Credit insists that I must wait 45 business days with no surefire given range to receive a refund for MY own hard earned money in which they mistakenly initiated a duplicate payment for. I refuse for them to harbor my funds for this period of time, as their second payment overdrafted my account and ate heavily into my paycheck, causing financial distress. I request respectfully that this overpayment of {$710.00} be returned in a timely manner, either by XXXX  to the bank account that had the payment withdrawn or by check WITHIN that 7 day timeframe. Thank you.
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XXXX XXXX : XXXX XXXX Opportunity to cure Default Final Notice NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information On X Date ( Date you sent the fist letter ) I mailed certified mail a notice requesting my Disclosure Pursuant 15 USC 6802 ( b ) you have failed to provide me with the required disclosures as per federal law. The law is explicitly clear that before a financial institution discloses any consumers non public person information they must give the consumer 3 disclosures so the consumer has an opportunity to opt out of having their information reported. 
Bank Of America you knowingly, will fully and fraudulently withheld pertinent information to suite your own agenda, forcing me to comply illegally with you reporting my non public personal information to a non affiliated third party companies for your own benefits and profits, this was not equitable to me, my family or household.

I AM ENVOKING MY SPECIED REMEDY THAT YOU PREVIOUSLY DENIED ME BY WITH HOLDING MY DISCLOURES, Pursuant 15 USC 6802 ( b ).

PURSUANT 15 USC 6802 ( B ) I Fist Name, Last Name a living breathing man hereby exercise my right and specified remedy to OPT-OUT of having this account with my non public person information reported. 
DELETE THE BELOW ACCOUNT FROM ALL CONSUMER REPORTING AGENCIES. 
Account Name : XXXX XXXX Account number : XXXX Account number:XXXX Account number:XXXX XXXX XXXX XXXX, XXXX ( All Rights Reserved )
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

I noticed unauthorized transasctions on my statement and reported it to Chase. They claimed that they completed their investigations and determined these charges were valid and I would be responsible for paying them. That is patently false as there is enough evidence to show that these charges were not authorized by me and they are not prepared to give me any proof of their investigations. They claim that these purchases were made using my digital wallet ( XXXX XXXX ). These purchases were made hundreds of miles from where I live.