davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-09
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. (MD)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX, WV XXXX ; XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$6200.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$400.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX Owed : {$150.00} ; XXXX XXXX Original Creditor : XXXX ) XXXX Balance Owed : {$250.00} ; XXXX XXXXXXXX ( Original XXXX : XXXX XXXX BANK XXXX XXXX. ) XXXX Balance Owed : {$700.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$760.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX AT XXXX XXXX ) XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$700.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; FXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/XXXX, I was contacted by the Bank of America XXXX team indicating that there was a check being processed through my checking account for {$4700.00} and was it my check? I stated that it was not my check and the fraud team member stated that he would mark it as fraud and my account would be credited for {$4700.00}. This person was a scammer, but I did not know it yet. He states that my debit card was compromised and that he would send me a new one. Meanwhile, there was a phone transfer of {$18000.00} from my XXXX  to my XXXX  account followed by XXXX XXXX XXXX  banking center withdrawals totaling {$16000.00} between XX/XX/XXXX and XXXX. Bank of America is in the process of investigating the theft from my account. Per XX/XX/XXXX, Bank of America have received the video tapes from the banking centers, which are under review.
Consumer complaint received 2023-11-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BMO Bank, N.A. (CA)

I opened a high yield savings account with XXXX XXXX bank on XX/XX/2023. Due to issues with THEIR online banking system, when I transferred in my money to fund the account, the transfer was duplicated. I recognized the problem immediately and contacted them to have the duplicate transaction voided but they said they were unable to do this manually. It took over a week for their system to understand it was a duplicate transaction. Once this was finally resolved I realized I didn't feel safe having my funds saved with such a poorly run bank and tried to transfer my funds back out and and close the account on XX/XX/2023. They then put my account on a fraud hold. 

I have now called repeatedly trying to remedy the situation by verifying my identity so the fraud hold can be released so I can have access to my funds again and to close the account. Their customer service team just keeps putting in " tickets '' to their fraud department that never get answered. When you call their fraud department, you get sent to a voicemail box that is always full and can't take new messages. 

At this point I am legitimately getting concerned that I will never have access to my funds again and the money I have been saving all year to pay my property taxes next month with are in those funds! This is starting to feel like fraud itself. Any help I can get would be highly appreciated. 

I went online and they are countless websites with people complaining about their horrible experience with this bank. Please someone step in and regulate their shady business practices!
Consumer complaint received 2023-04-27
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

In accordance with the fair credit reporting act Capital One credit card account Numbers ending in # XXXX and # XXXX has violated my rights. 

15 USC 1681 SECTION 602 states that I have right to privacy.

15 USC 1681 SECTION 604 A SECTION 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2024-04-20
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. (MD)

ILOST my wallet along with my XXXX card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-01-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: RockLoans Holdings LLC (CA)

At the end of XXXX I received an alert from one of my credit monitoring alerts that I had a 30 day late reported from my personal loan from Rocket Loans. I was surprised because I knew the payment had just cleared my account. I knew that my payment was late, I was running a couple of weeks late but it was not more than 30 days, I was shocked. So when I got a call from Rocket Loans on XX/XX/XXXX I asked them why I was being reported a 30 day late for {$15.00}. The notes on the credit report showed I was late for {$15.00} and when I looked online it seemed like it was for a {$15.00} late fee. The lady said yes it was reported for the {$15.00} late fee and I explained how asinine that was and I needed a supervisor to clear that up because my contractual payment was made within 30 days. So she put in a request for a supervisor to call me within 48  hours. So I finally get a call on XX/XX/XXXX from a XXXX from there escalation team who tells me the representative explained things incorrectly to me, that it wasnt the late fee that was reported. However what happened was that when my payment was made they took the late fee first which made my payment short by {$15.00} and that is what made me late because there wasnt enough money to make the payment after they took there {$15.00}. I dont know how he thought this was a better explanation, but I asked him how could they take their fees first before applying the contractual payment forcing me to be late and creating more fees and negative credit reporting? And he could not give me a straight answer. I told him that their way off processing payments hurts their customer and only benefits them as a company. If they had not taken their fees first and applied the payment I would not have been late. I have never had a company take their late first fees before applying the contractual payment. I was in a tight financial bind and could not pay both at the time but was trying to make sure my contractual amount was taken care of but instead because of their unethical payment processing practices I dropped over XXXX points on my credit. In the end they refused to reverse the credit reporting and the only thing they would do is modify my loan. I do not think the way they process there payment is ethical and really should be investigated. This is not right.
Consumer complaint received 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (MS)

2 years ago i go out of town on a vacation, so i call my credit card company so that i can put money on my card they said yes, and on my family vacation they stop my money i had to borrow money from my family .and than i payment them on time and i over payment in XXXX i make 2 payment they told me, i had to tell them that that pay were for XXXX and XXXX, so they keep it for that one month in XXXX they came back saying i were behind so i pay it again and i let them take the payment directly from my bank account, and they are still taking my money but my account do not go down, the lady told me that she can do what she want to and she did it to, i did not know they had mess up my credit score and my husband credit score just as well,,, please help me out
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX Equifax XXXX XXXX is breaking the consumer law pertaining to XXXX  XXXX Account # XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this is resolved I will have no choice to move forward with litigation STOP VIOLATING THE CONSUMER LAW UNDER TITLE 15 COMMERCE & TRADE!
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I file this formal complaint against TransUnion regarding their failure to uphold the Fair Credit Reporting Act ( FCRA ) and are now required to provide monetary relief for violations of the FCRA and California Consumer Credit Reporting Agencies Act ( CCRAA ). Despite repeated attempts to resolve this matter directly with TransUnion, they have neglected to acknowledge their legal obligations and provide appropriate compensation for their infringements upon my consumer and privacy rights. 

On XX/XX/XXXX, I submitted a dispute letter to TransUnion regarding an unauthorized hard inquiry made by XXXX XXXX on my consumer report dated XX/XX/XXXX. I instructed and authorized TransUnion to remove this inquiry from both my consumer report and file, as it was made without my consent or permissible purpose. While TransUnion promptly removed the inquiry, they failed to issue the monetary relief for their negligent noncompliance which I am due under the FCRA. 

In subsequent communications, I clearly outlined the statutory violations committed by TransUnion, including but not limited to the furnishing of a consumer report without my written instructions, as stipulated by 15 U.S. Code 1681b ( a ) ( 2 ), and the failure to obtain written consent for the inquiry, in violation of California Civil Code - XXXX XXXX. Despite providing evidence of these violations and demanding appropriate redress, TransUnion has not responded satisfactorily. 

Furthermore, TransUnion 's actions have caused significant stress and hardship for me and my family. As the sole provider, these violations have hindered my ability to secure a stable living environment and have had a detrimental impact on my creditworthiness and mental well-being. 

Therefore, I am seeking the intervention of the Consumer Financial Protection Bureau to ensure that TransUnion fulfills its legal obligations under the FCRA and CCRAA and provides the monetary relief I am entitled to. Issuance of monetary relief is not only required by law but will also serve as a show of good faith on TransUnion 's part to rectify their violations of my consumer and privacy rights. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that TransUnion complies with the FCRA and CCRAA. Additionally, I urge the Bureau to hold TransUnion accountable for their negligent noncompliance and failure to provide adequate redress for their violations. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to protect consumer rights and uphold the integrity of the credit reporting system.
Consumer complaint received 2023-11-08
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. (CA)

To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with The following companies please remove these items IMMEDIATELY : { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  REMOVE INQUIRY } Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. THANK YOU, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-18
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. (PA)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Can you please check the documents? Some of the listed accounts are inaccurate in terms of reporting, amounts, and dates.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

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 2024-01-04
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. (CT)

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a resbonsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/2023 XX/XX/2023. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2024-01-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My credit card was overcharged by a restaurant ( XXXX XXXX ). When I discovered this, I asked for a refund and the merchant provided it. The merchant even sent me a screen shot, showing that the refund had been processed with XXXX : the authorized amount was {$50.00} less than what had originally been captured. ( Should actually have been {$64.00}, including tax and tip, but that is a secondary complaint. ) Since the refund did not post to my credit card, I filed a claim with BofA and provided all the required information. BofA initially posted a credit of {$64.00} to my account ; later they reversed it, and sent a letter asking for more information. I called BofA and pointed out that I had already provided the requested information ( screen shot incl. XXXX  confirmation number for the refund ) ; they agreed, said that the charge had been reversed in error, and offered to escalate/accelerate my claim to have it resolved. 

However, three weeks later BofA sent a letter stating that my claim was denied, after all. I called them again to complain, pointed to the screen shot with all the info they needed. BofA said that it was ultimately XXXXXXXX XXXX decision -- even though their denial letter says that BofA made the decision. I escalated to a manager, who held the line. They both declined to provide evidence that they had actually sought the refund from XXXX, even though I had provided them with a XXXX confirmation code to do so. 

I can not tell if this is a one-off misjudgment on their part ; BofA insists that it is standard practice. If so, it would suggest that the bank and credit card company have a practice in place that prevents customers from collecting their refund, even after the merchant provides confirmation from the credit card company.
Consumer complaint received 2024-01-04
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to address a concern regarding the reporting of accounts on my credit file, specifically, XXXX XXXX XXXX XXXX XXXX XXXX  has already updated the status and removed the late dates of these accounts from their records. There was an error present, and they were able to find it. I am confused about how your bureau has verified this information while the other bureaus have successfully updated the status and removed the late dates. This inconsistency is not only inconvenient but also a matter of concern. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2023-12-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have a Capital One 360 Performance Savings account. 

I am attempting to wire a large sum of money to a business. ( approximately $ XXXX ) Capital One has turned this into an opportunity to harvest fees from me. 

They claim that they have a $ XXXX limit per wire, per day, in order to protect me from fraud. I was also led to believe based on the information provided to me online when attempting to initiate a wire, that this limit could be worked around if I visited a Capital One Retail Branch or XXXX. I took time off from work to visit a branch, only to be told from the Capital One employee at the branch, that they could not assist me because I have a 360 Performance Savings account, and all transactions must be done online. ( This is counter to how Capital One markets these accounts. Even today if you review their site for this product it explicitly states you can open and service this type of an account in a branch. https : //www.capitalone.com/bank/savings-accounts/online-performance-savings-account/ ) The guidance I got from the teller at the branch was that I should call and speak to Capital One. I did this yesterday. I got the same runaround. I was not able to speak to a supervisor as a part of this call. 

I called again today, and again asked to speak to a supervisor. This time I was able to speak to a supervisor, but XXXX was of no help to me. I opened up a complaint, and was told I would receive a call back. That has not happened yet. 

Bottom line is that Capital One is charging {$30.00} per online wire transaction for my account. They are doing this in the name of security, even though I went to a branch and presented proof of identity to them. I can only assume that their strategy is optimized to harvest {$120.00} in fees over 4 separate wire transactions instead of executing this in one transaction for a single {$30.00} fee. 

I now understand how Capital One can afford to pay such high interest rates on these deposits. Not only are they using it to fund their predatory subprime lending activities, but the also make it impossible for you to access the money without paying punishing fees.
Consumer complaint received 2019-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

By mistake I made an additional $ XXXX payment towards principal on XXXX XX/XX/2019. Either Mr. Cooper return me that or apply that for the reminder of the payments ( so that i don't have to make the payments of $ XXXX ) this year. 

I prefer refund of $ XXXX