davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO Bank, N.A. (NE)

On XX/XX/2024 I received a checking account fraud alert from BMO. 
After checking my account there were indeed several fraud charges. 
I called their customer service reported it and I was told my bank card would be turned off. 
The following day more charges were made. I called again to report those. Again I was told it was turned off. 
Monday all those pending fraud charges started to clear my account. 
XXXX charges in all, totaling {$2500.00}. 
I went to my local BMO bank. The debit card had not been paused. The XXXX helped me file a fraud report. The card was closed at that point. 
I spoke with the fraud department several times last week and went over the charges with them. 
Today I was told that they had contacted all the vendors about the fraud and the only way I would receive a refund is if the vender pays it back to my account. 
I live in Nebraska these charges were made in California. 
I am being told I will not get this money back unless the vendors refund it.
Consumer complaint received 2024-05-14
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (FL)

I have a certificate of deposit with Wells Fargo Bank , N.A . It is due to mature on XX/XX/year>, and I do not want to renew it. I will be out of the country in XXXX and therefore met with a banker to provide face-to-face instructions not to renew. As an alternative, I also offered to provide signed notarized instructions. I was told that under the banks policy, my only option was to make a costly, post-maturation-date international telephone call which could take up to thirty minutes. Otherwise the certificate of deposit would automatically renew at a lower interest rate.
Consumer complaint received 2024-05-14
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am requesting immediate removal of this item from my credit, that is reporting clear violation of FCRA Section 611 ( a ) ( 1 ) ( A ). I expected this to be done in 30 days from recipe of this complaint as stipulated by FCRA Section 623 ( a ) ( 8 ). Failure to comply within. the specified timeframe by this creditor is considered willful non compliance, subject to legal consequences. Additionally, I want to make it clear that any action taken by XXXX XXXX  besides deleting the collection will be considered willful non compliance. I am. invoking my rights under 15 US Code 1681b ( 2 ), and I am giving clear instructions to furnish my report and delete the collection account. Failure to adhere to these instructions will result in legal action. This notice serves as a formal notice of violations, and I am expecting prompt action to remedy.I anticipate your immediate remedy to this matter.
Consumer complaint received 2024-05-14
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XX/XX/XXXX and XX/XX/XXXX there were XXXX hard inquiries made on my credit. They were from XXXX XXXX, XXXX XXXX, XXXX from XXXX  XXXX XXXX and XXXX from Capital One. None of these were initiated by me. I am reporting fraud on my account and have put a fraud alert on my credit.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

XX/XX/XXXX XXXX am received an alert my account was unlinked from capital one I called XXXX ( XXXX ) XXXX and the lady did not know what she was talking about telling me call the other company I been having identity theft issues and have made many complaints but never have I resolved them or spoken to the right person I had my if number changed in XXXX been bouncing from place to place never in a place once I get everything transferred I end up leaving or not being able to stay renting rooms currently Im working at a grocery store almost 2 years now and I keep trying to update credit reports and Im having hard time my kids were taken and parental rights were terminated the reports I was given the information is incorrect names and kids were wrong I was such in distraught I could not fight back being in a shelter pregnant they took my son from hospital my oldest ones were put in a worst situation then what we went thru but I had just finally moved into a home with XXXX XXXX XXXX XXXX XX/XX/XXXX when they took my boys XX/XX/XXXX XXXX
Consumer complaint received 2024-05-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (IL)

I currently have a dispute with XXXX being mediated by the Illinois Attorney General. After I made my complaint to the government agency, and XXXXXXXX XXXX  collection agency at the time, XXXX XXXX excused themselves from this case, XXXX hired Credit Control , LLC, a collection company, knowing the account was " actively in an investigation '' - their own words on my credit report. I told Credit Control this in a phone conversation. Credit Control will not acknowledge that conversation. Instead, they sent me a collection bill and tacked on a {$240.00} collection fee for the first month they have it assigned to them, and before the XX/XX/2024 dispute date on the letter. They sent it almost immediately after I told them that this is a disputed debt. I believe Credit Control adding an almost 20 percent fee to a debt that is verifiably in dispute is an attempt to coerce me. They are coming at me aggressively knowing that this is not a confirmed debt.
Consumer complaint received 2024-05-14
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: JPMORGAN CHASE & CO. (IL)

I noticed unauthorized inquiries on my credit report that i would like removed, according to the FCRA these unverified and unauthorized items must be removed..i did not authorize these companies to run my credit and that is fraudulent
Consumer complaint received 2024-05-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (NC)

Today, Monday XX/XX/XXXX I received a voice message stating that there was a complaint being made against me and I needed to call back immediately because legal action was eminent. I called the given number and spoke to " XXXX XXXX XXXX' and gave them the reference number they left in their voicemail, and then THEY TOLD ME my full name, DOB, and SSN. Then they said that Wells Fargo Bank was proceeding with a lawsuit and trial against me for a balance to a closed bank account from XXXX, 20 years ago. I was shocked and dismayed, and they informed me to call Wells Fargo about it and to talk to the Chargeoff Recovery Dept. I did just that, and had recorded conversations about this. No one at Wells Fargo could locate this info, and said that maybe it was linked to a loan. After talking with the loan department, then XXXX XXXX, no one could find any kind of information about this. They seemed suspicious, and I was encouraged to call back XXXX XXXX and require them to give me a contact number or info for Wells Fargo. The woman on the line handed over the phone to her manager, who then said that this account no longer belonged to Wells Fargo and that I had to handle this with them. The man became very mean, lots of yelling and belittling. Then he asked how much I was willing to settle the {$2200.00} debt for, and I said I preferred to speak with a Wells Fargo Bank representative. This made him even more angry, and he threated legal action and attorney fees, then hung up on me. I was so terrified I called back Wells Fargo Bank and let them know what happened. The woman on the line checked again to see if she could find any information about this linked to me, and she could not. She consulted her manager, who then told her that Wells Fargo would never pursue legal action with me over this, nor go through a third party. She said this was probably a scam. So now I am very disturbed to know that they have my sensitive information, and I don't know what to do.
Consumer complaint received 2024-05-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2024 at XXXX I contacted capital one to get a payoff letter and payments history due to my car being in an accident and the payoff amount they gave the insurance is over {$1000.00} dollar different then where it was before. I spoke to a customer service representative and a manager who refused to provide my payoff letter. They said I will receive my payment history but I haven't received it yet. They said they sent the information to the insurance but that doesn't change the fact that I as the borrower requested documentation off my loan and they are refusing to provide it. As a grantor I am entitled to the documents of my loan. They even said they can see the letter that was sent to XXXX but they won't provide it to me. I work for a bank and we do these request often but for some reason capital one doesn't want to provide it to me.
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Bankruptcy Case Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please ensure that all information is accurate
Consumer complaint received 2024-05-13
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (IL)

The Chase sapphire preferred credit card charges a {$95.00} annual fee and the largest advertised benefit is a {$50.00} annual hotel credit. I made an eligible purchase in XX/XX/year> that would automatically qualify for this advertised {$50.00} credit, but it did not apply to my statement. I have called the customer service number five times in the last six months trying to get resolution on this credit. Each time I have called, the representative has confirmed that I made an eligible purchase for this credit and the credit would apply in one to two billing cycles. I also received a letter in the mail confirming this back in XXXX. Every time I called, I kept being told to wait one to two more billing cycles. Six months later, this credit still has not applied. Chase is about to charge me {$95.00} for the annual fee for the next year without providing the benefits advertised for the last year. I want to cancel the card before the annual fee is charged, but I can not cancel it until I get the {$50.00} credit from last XXXX or I give up this amount. I do not think this is right and this is false advertising by chase. This also would have an impact on my credit score if I have to cancel this card due to false advertising of the {$50.00} hotel credit that is never applied.
Consumer complaint received 2024-05-13
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)

Complaint Regarding Inaccurate Available Credit Date of Incident : XX/XX/year> Company Involved : Capital One Description of Issue : On XX/XX/year>, I paid my Capital One credit card XXXX in full. Specifically {$480.00}. This payment has cleared and been deducted from my checking account. However, Capital One has not yet reflected this payment on my account, resulting in inaccurate available credit information. This prevents me from using my card. 

Actions Taken : I contacted Capital One by phone on XX/XX/year>, and spoke with a representative regarding the issue. I informed them that if the available credit is not updated promptly after the payment clears, I would be forced to take further action. 

Please Note : I have not yet filed a dispute with my bank regarding this issue. 
I am hopeful this can be resolved without involving law enforcement.
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (GA)

Bridge crest has now incorrectly reported my account as open as of XXXX of this year and added a late payment for XXXX of XXXX. This account was closed in XXXX of XXXX. 

Its now showing it was closed in XXXX of XXXX. 

I want the fraud theyre committing to stop immediately. Theyve now damaged my credit again with their fraudulent practices. My score has dropped XXXX points because of what theyre doing!
Consumer complaint received 2023-12-27
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. (CA)

GAVE NOTICE ON XX/XX/2023 AFTER NO RESPONSE A FOLLOW UP LETTER WAS SENT XX/XX/2023 DEMANDING COMPANY TO CEASE AND DESIST FROM COMMUNICATING AND REPORTING OF INACCURATE, FALSE AND MISLEADING INFORMATION ABOUT ME AS IT RELATES TO LATE PAYMENTS ANDAMOUNT OWED OF ALLEGED DEBT AND INACCURATE REPORTING OF LATE PAYMENT ( S ) TO CREDIT REPORTING AGENCIES PURSUANT TO 15 U.S. CODE 1681b2. ALSO REQUESTED THAT SAID COMPANY VALIDATE ALLEGED DEBT. AS OF DATE COMPANY HAS REFUSED TO COMPLY WITH REQUEST / DEMAND
Consumer complaint received 2024-05-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC (PA)

They sold my information to another debt collector. I was on a payment plan for a settlement balance I was comfortable with. I recently loss my client, and defaulted in my payments. I am experiencing hard-times and only and afford $ XXXX {$35.00} a month. But they denied me. 

I am writing in response to your recent communication regarding the collection of a debt allegedly owed by me. I am disputing the validity of this debt and request that you provide me with verification of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ). 
I do not recall any outstanding obligation to your agency, and I dispute the amount claimed. Before I can take any further action, I need detailed information regarding the alleged debt, including but not limited to : The name and contact information of the original creditor. 
The original account number associated with the debt. 
The dates of the transactions or services rendered that purportedly resulted in the debt. 
Copies of any agreements or contracts related to the debt. 
A complete breakdown of the amount claimed, including any fees, interest, or charges accrued. 
Proof of your agency 's authorization to collect this debt. 
Please note that under the FDCPA, I have the right to request validation of the debt, and until this validation is provided, all collection efforts must cease. I also request that you refrain from reporting this alleged debt to any credit reporting agencies until this matter is resolved. 
Furthermore, I demand that all communications regarding this matter be conducted in writing. I do not wish to receive any further phone calls or other forms of communication regarding this debt. 
I expect a prompt response to this dispute letter within 30 days. Failure to provide the requested information or to cease collection efforts will result in further action on my part, including filing complaints with the appropriate regulatory agencies and seeking legal counsel. 
Thank you for your attention to this matter.
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AmeriCollect (WI)

I have a negative pay status hurting my credit and its been paid a year ago. Its a medical bill that wasnt paid, and went to collection. So its listed as " Other '' and not medical.
Consumer complaint received 2023-04-18
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: CLGF Holdco 1, LLC (GA)

I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2022. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.
Consumer complaint received 2024-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MN)

Yesterday XX/XX/24 I deposited a customers check. The app told me the bank would hold the funds for 2 days, releasing part the next day ( today ) and the rest tomorrow. That note disappeared and I called the bank. I was first told it was irregular activity in the customer account and they'd try to get the funds on the XXXX. My customer said it was already withdrawn from her account. I called well fargo back and they then told me then its just the federal reserve holding the funds. Meanwhile, I can arrange with the customer to pay a different way as its already gone. And I will be charged overdraft fees for a negative balance. How is this ok?
Consumer complaint received 2024-05-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Onity Group Inc. (PA)

I received an insurance claim check for repairs after a small fire. The check was made out to me and my ( then ) mortgage company. The mortgage company put the check in a " restricted escrow '' account. Before the money was totally dispersed to me, the mortgage was paid off. On the payoff quote was stated that the money could be applied towards the payoff. I spoke with the department that handles insurance claims and was told that once the mortgage was paid off, the money would be released to me in total. I was also told that the insurance claim department released the money back to my account and customer care would be handling cutting the check and sending it to me. This was in XXXX. The mortgage was paid off on XX/XX/XXXX. The mortgage company has not released the check nor will they give me an answer as to when the money will be released. I called numerous times throughout XXXX & XXXX, I have been transferred back & forth between arguing representatives as to which department is responsible. Last week ( XX/XX/XXXX ) I spoke with the escalation department who assured me they would have an answer in 5 business days. I did not hear back today and called them again. I was told they are still looking into this and will try to get to me with an update by the end of this week. I have yet to receive an explanation as to why the money has not been released. ( I have notes with names & dates of my phone calls )
Consumer complaint received 2024-05-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: MRS BPO, LLC (OH)

Received letter from M r s collection agency state that they are Sueing me in XXXX XXXX court they supplied a court file number. I went to XXXX XXXX court web site to check for any suits in my name, there were none with my name there was XXXX under the number, but I did not recognize the charge. the suit filed in XXXX XXXX has vague information on the suit, no date, no verifiable information on the claimed account. I then received a letter from m r s offering to settle the deb for less than half. in the letter it states to call XXXX XXXX  to make a payment. called XXXX XXXX  spoke to XXXX in fraud they have no record of account, XXXX XXXX  gave phone # for their collection agency ( XXXX ) they had no record either. to be though I called M r s they demanded i give full social and credit card # advised did not have account, was transferred to supervision XXXX badge XXXX who again demanded my full social and " any '' credit card. when i told " XXXX '' if I had an account, they should be able to find with my name and address XXXX hung up. I feel that the collection agency is trying to scam me and or scare me into paying a account i can not verify