davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: OPTUM BANK, INC. (TX)

Optum Bank holds my funds in a XXXX account. They offer a direct payment system to pay healthcare providers directly from those funds by entering the payment information online. I requested payment to XXXX XXXX for {$30.00}. They claim they sent payment via a " Virtual Card '', which the provider said they never received. I have asked them to resolve this with the provider, but they refuse. They are not reachable via phone, only thru messaging. Every message sent is received/responded by a different individual, so they keep repeating the same excuses and resolve nothing. At this point, I need to pay the provider ( again ) with regular funds to try to preserve my credit rating. I want Optum Bank to be investigated for fraud, as they claim to send payments but " Virtually '' do not.
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (FL)

This has been going on since XX/XX/2022, 3 cards were opened with my information when I opened a XXXXXXXX XXXX XXXXXXXX account, my information was stolen, 2 of the cards did their research, XXXX and XXXX credit and they showed stuff sent to my address as well, but packages get stolen in our community every day, it's always happening. Comenidy Bank is the only one who refuses to delete this fraudulant account from my credit, I called them and reported the fraud as soon as I found out it was another account that I didn't open, I have spoken to numerous people in their fraud department over the past year and I am sick of fighting with them, again this is NOT my account, I did not purchase anything on this card. They continue to add interest to the account which is on my credit report, I have enough credit cards, if I wanted something I'd purchase on those, I want this fraud dropped from my account!! I have worked hard with the cards I have to raise my credit score and this account that is fraud needs to be deleted, Ive spoke to XXXX in the fraud unit, he did nothing, I spoke with a XXXX he said he got it fixed, I spoke to XXXX who said they had just had a system update or change and it was a glitch and boxes weren't checked and things weren't done correctly to my fraud account, then after he said it was fixed and noted, I also spoke to XXXX a few times she tried to get me thru to fraud dept, because they never answer, we had no luck either so I spoke to a supervisor XXXX I think her name was and she told me not to worry it was taken care of, but it still hasn't, The company is not listening to what I've been reporting to them for over a year, I NEVER USED OR APPLIED FOR YOUR XXXX CARD I HAVE PLENTY OF MY OWN DELETE FROM MY ACCOUNT ITS FRAUDULENT I am sick of fighting with this company I never received ANYTHING from this place nor did I ever apply for this card I have plenty of my own I don't need anymore and this was reported by me because I found it after we found the XXXX one with someone with my name address and email on XXXX my son had sent me money and it went to that lady, she had all my information and thats when I looked up my credit report to find the XXXX credit and this XXXX bank card was applied for and I called that date to report it, and here I am a year later ONLY fighting with YOUR BANK, ridiculous I NEVER APPLIED FOR THIS ITS FRAUD DELETE FROM MY CREDIT REPORT AND LEAVE ME ALONE!!! ITS FRAUD I NEVER OPENED ANYTHING WITH THIS BANK,!!!!
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have been trying to dispute these issues with no result. This is the letter I sent to the credit bureaus. I received a letter from your firm stating that my letter requesting verification of erroneous items on my report as being classified as " frivolous '' or " irrelevant ''. I assure you that in no way do I consider a matter of such importance to me as frivolous nor irrelevant. In fact if you do not honor my original request to verify the items contained in my previous letter, mailed via certified mail, I will file a complaint with the Federal Trade Commission against your company. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible.
Consumer complaint received 2024-01-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FIFTH THIRD FINANCIAL CORPORATION (NJ)

I have never had such a horrible experience with a company, financial or otherwise. Their incompetence is mind blowing. 

I wanted to pay off an auto loan with 5/3 bank and called CS to make the payment. The outsourced rep told me that she would be able to take care of this for me. But after giving the account number, I was told that I would have to be transferred to the rep that handles the auto loans. OK. I was transferred not less than 4 times, and was finally told that I would have to do it through the online app. We tried to set up an online account but was then prompted to call customer service again. We called customer service, and was told to use the app. I told her about the issues we were having, and she said that we needed to either XXXX XXXX it or wire it from my bank because that was the ONLY way it could be done. I had to call them back 3 different times, because their routing/account information they gave me was incorrect! Finally, the wire went through my bank to theirs. A few days later, I received notification from my bank that the payment I sent to 5/3 bank had been reversed. I wasn't sure what was going on, so I resubmitted my payment to them. Yesterday, they reversed the payment again. We called the bank to ask why. Initially she said that looking at my account, she sees that they only received {$210.00} of the {$220.00} due and that's why it was returned. I told her that was interesting, because 5/3 returned {$220.00} both times. If I had sent you only {$210.00}, why did you send back {$220.00}? ( My bank records back this up, of course ). I told her I'm not sure why she was lying, and asked again why the money was rejected. She then changed her story and said that I should check with my own bank to ask why the money was returned. I asked her, " why would I ask my bank why YOU reversed my payment? '' I asked to speak to a supervisor. She said there were no supervisors available. Shocking. 

The fact that this scam " bank '' is allowed to carry on ANY financial transactions, is criminal. I don't know how they are still in business. And I guess the execs and higher ups are being paid very well, so why should they care about what's happening down here...
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I recently Checked my credit report and saw an inaccuracy and in accordance with the fair credit, reporting act, this creditor has violated my rights and with accordance to 15 USC 1681 Section 602 states, I have the right to privacy. Also, 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. Section 15 USC 1666B states a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (KY)

For the second year in a row my mortgage company, XXXX XXXX repeatedly calculates my escrow incorrectly ( like off by several thousand dollars incorrectly ) and I have to contact them repeatedly, with all appropriate backup documentation, to try to get them to correct it. They are very difficult to work with. 

Last year it took close to six months to get our escrow corrected ( during which time not enough money was being put into our escrow from our mortgage payment ). They would repeatedly tell me that they would fix the issue, then the escrow department would insist the amount they had was correct. They had our estimated property taxes listed as {$130.00}, even though they paid upwards of $ XXXX the year before. I would repeatedly send them our bill and the listing of our property taxes on the county Sheriff 's office, and they wouldn't update the amount. 

This year, so far, I've sent them our XXXX property tax bill ( which they paid on our behalf last year so they have a copy of it ) four separate times to prove that they have our XXXX estimated property taxes listed incorrectly. This year they have my estimated property taxes listed as {$27.00} on a house we bought for around {$270000.00}, which is blatantly incorrect, on top of the fact that it doesn't match our property tax bill. 

They even, on their own documents, will indicate that they paid the correct amount the previous year, but their current year estimates are thousands of dollars off. The fact that it doesn't flag anything in their system that it's so incredibly off, and that I have to pester them for months on end to fix it is ridiculous. I shouldn't have to repeatedly tell them how to do their job.
Consumer complaint received 2024-01-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Assured Financial Partners (MI)

I received a phone call today XX/XX/2024 from a XXXX in which a lady informed me I needed to contact another company at XXXX regarding case # XXXX because they had some " legal '' documents they wanted to get to me. I asked the woman why would they have another company call me regarding legal documents instead of trying to deliver to my home address, she informed me because they have alot of clients they have them reach out to contact the consumer. 

I then called the number provided ( XXXX ) with the case # given and asked the guy what company is trying to serve me legal documents and why hasnt anyone tried to send them to my home. He told me that " when you take a loan you need to pay your debt '', I advised him if I'm not aware of a loan how can I pay a loan. I asked for more information regarding the company the amount and where these legal documents were supposedly attempted to be delivered to. He could not tell me when or where intial attempts were made all he said was a judge told them that they need to show proof of three attempts by phone to get legal documents to me. I again said I disagree as I've been to court before and anytime I've been served, its always been in person or the perons attempts and leaves a card behind to be contacted to obtain the legal documents. He went on to say that Zoca Loans was suing me. I informed him that I am not aware nor have I taken a loan from a company called Zoca Loans. I asked him to send me proof of these documents in which he said " you will see these documents in court during the trial ''. Again I was confused because typically when you request proof of a debt the debt collector sends it to you upon request. He kept saying you need to pay your debt. But how can I pay a debt on something I have no record of taking out. This is getting ridiculous
Consumer complaint received 2023-08-10
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CITIBANK, N.A. (TX)

I sent them a cease and desist letter which they confirmed that they received in XXXX but they still contacted me after receiving the letter by sending me a letters on XX/XX/XXXX and XX/XX/XXXX which are FDCPA violations.
Consumer complaint received 2024-01-30
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 (ID)

I sent in an early payment last month to Bank Of America ( XXXX checks as XXXX checking accounts are used to pay my bills ). This should have zeroed out the balance on my account. True to form, this was just too complicated for BofA. This payment did not get there in a timely manner so I had to have my bank -- XXXX XXXX XXXX- stop payment on these XXXX checks and I issued XXXX new checks to cover the previous month 's balance and addition charges as I am considering cancelling the credit card. BofA is just too difficult to deal with... XXXX XXXX was only able to stop payment on XXXX check and now BofA claims I owe them the amount of the check that was not stopped. I have already paid that amount and even more with the second set of XXXX checks!!!! BofA will not return my phone calls nor answer my emails! Please help!!! I had a credit of {$1800.00} and now they claim I owe {$780.00}. What a mess!!!
Consumer complaint received 2024-04-06
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. (GA)

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, Experian, and XXXX.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (GA)

Synchrony Bank will still not update the credit reports. 
I am doing a transfer and the new lender can't get the correct info off the website for XXXX or other as they won't update paid off accounts,. 

Care Credit, Car Credit and Paypal online.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the following accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX Balance Owed : {$5.00} XXXX XXXX Balance Owed : {$5600.00} XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX  Balance Owed : {$6200.00} XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX  Balance Owed : {$5600.00} XXXX XXXX  Balance Owed : {$7500.00} XXXX XXXX XXXX XXXX  Balance Owed : {$21000.00} XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX  Balance Owed : {$11000.00}
Consumer complaint received 2024-01-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

Approximately XXXX XXXX  ago, I was the XXXX  of fraud across all of my credit and deposit accounts with XXXX  financial institutions. This was not an isolated incident and it happened XXXX times over XXXX XXXX as I did not realize immediately that the perpetrator was an associate of mine with access to my home and repeatedly accessed credit & debit card information. Some of these accounts were hit XXXX  times over this time, because the perpetrator access the new card information when the previous card was closed and re-issued. I did not give my associate access to my personal records, but they took the liberty to do so when unsupervised. Because of their actions, it caused multiple deposit accounts of mine to be in the XXXX  and for payments to capital one to be returned unpaid. I have contacted Capital One to explain the situation and make them aware that I was the victim of credit fraud not the perpetrator and they couldnt seem to understand. They closed my XXXX longest open credit card accounts that I had maintained excellent credit history for over XXXX XXXX on each. I again tried to explain the situation, and the fact that I was the victim and not the criminal to no avail. I have since experienced extreme economic hardship because of excessive XXXX  bills due to multiple chronic illnesses and have been given no concessions by capital one because XXXX of my XXXX accounts was characterized as not complying with company disclosures/delinquent.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: MIB Group, Inc. (NM)

As a Federal Protected Consumer I have a Consumer right and Privacy right to opt out those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.
Consumer complaint received 2024-01-21
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. (CA)

I have made several attempts to correct this inaccurate reporting with no success. I would like to opt out of the following reporting agencies : XXXX, XXXX, XXXX, XXXX XXXX and XXXX XXXX. 

I am invoking The Privacy act of 1974, Fair Credit Reporting Act and FERPA because Equifax, XXXX, and XXXX are not maintaining reasonable procedures to insure accuracy of the information they report. I am opting out of these reporting services.
Consumer complaint received 2023-04-28
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: EQUIFAX, INC. (NC)

The credit bureau posted unauthorized credit inquiries on my credit profile. I have requested a full investigation to verify these and the credit bureau has not provided their verification sources they sent me a letter saying that they have verified these inquiries. 

I want to reference several sections of the Fair Credit Reporting Act ( FCRA ) to support my dispute. 

Section 605B - This section of the FCRA requires consumer reporting agencies to block the reporting of fraudulent information on a consumer 's credit report, including fraudulent inquiries. If I believe that a hard inquiry on your credit report resulted from fraud, I can request that the credit reporting agency block the inquiry from my credit report.

Section 611 - This section of the FCRA outlines my rights to dispute inaccurate information on my credit report. If you believe that a hard inquiry on my credit report resulted from fraud, I can dispute the inquiry with the credit reporting agency and provide evidence of the fraud, such as a police report or affidavit.

Section 623 ( a ) ( 2 ) - This section of the FCRA requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed information on a consumer 's credit report. If I dispute a hard inquiry on my credit report that I believe was the result of fraud, the credit reporting agency must investigate my dispute and either remove the inquiry from my credit report or provide me with evidence to support its inclusion.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. ()

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (IN)

My information was sold and bought illegally because I was a victim of the Equifax data breach I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. List all those negative accounts from your Equifax credit reports. Account names and account numbers and file your complaint with the CFPB.
Consumer complaint received 2024-01-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I opened a dispute with Capital One for an unauthorized charge I didnt notice on my statement. I was informed a new card would be shipped and my account would be credited for the amount right away. However, I still havent received the amount in my available credit as promised. I also was unable to get detailed information on the entire process and likely outcome, as this is my first time ever opening a dispute. I need this credit to be applied asap with clarity on the procedure going forward.