davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-31
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (OK)

XXXXXXXX XXXX Amazon credit card ending XXXX will not refund my rewards of {$150.00}. I bought solar panels for {$530.00} and refused the delivery by returning the unopened package to XXXX and was refunded {$380.00}, but the bank kept the rewards and did not refund them. I verified with XXXX that the rewards were refunded to the bank. Purchase date XXXX. Refund date XXXX. Return date XXXX. I have complained twice now via customer service with no resolve.
Consumer complaint received 2024-05-06
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (VA)

I received a letter from TD Retail Card Services regarding an application for an account with XXXX XXXX. The letter advised that they could not open an account for me. I did not apply for an account with XXXX XXXX. And I am disputing the application at this time. The address information on the letter is TD Retail Card Services XXXX XXXX XXXX XXXX SC XXXX ( XXXX ) XXXX
Consumer complaint received 2024-05-06
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: PRIMARY RESIDENTIAL MORTGAGE (GA)

Primary Residential Mortgage Inc is in Breach of contract.

ATTENTION : DEED OF DISSOLUTION OF SERCURITY DEED BY GRANTOR FOR LACK OF EXECUTION BY BENEFICIARY. 

Please see attachment for lawful order. 

Thanks in advance! 
XXXX XXXX XXXX
Consumer complaint received 2023-12-30
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 (CA)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2018-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/2018, I was paid with a Fraudulent check for the amount of {$2900.00}, the individual that issued me the check, asked that I let them know after I deposited, I contacted my bank on XX/XX/2018, and asked them if there was a way this individual could take my bank information by me depositing his check, the customer service banker, asked me if the person was asking for a fee or any type of money, no he did not, was very picky about the cleaning services, I explained to her that the only information the customer has about me is my full name and address, she stated I have nothing to worry about, as long as I did not give him any bank or socials, dob, etc I was fine, so XXXX XXXX I deposited the Check, my funds were available the next business day, I was so excited and began paying my bills, on Monday XX/XX/2018 morning, I check my account and it has been frozen, I contact the bank, and the customer service banker tells me that the Check is not validated, it's fraudulent, I felt so confused, upset, and I asked her what could I do?? The customer representative informed me that I would need to contact the local law officials, but that my account would remain frozen until {$1400.00}, was paid in full. I contacted XXXX County Sheriffs Department and filed a report, the Filing Officer stated the report would take 7 to 10 Business Days, I contacted my bank to give them the Case # and informed them of the wait, the customer service after hours gentleman was very nice, and noted my account. On XXXX I went down to pick up the Police report at XXXX XXXX XXXX XXXX XXXX XXXX, Texas, and the report was still not ready and stated I could email them and they would email me the report. I contacted my bank to give them an update, the customer service banker was very firm and stern, and informed me that my bank account would be closing in a few days and that I would need to get it paid, I went in to the branch to give them an update in person and to find out why I would be closed in a few days, and if I could make some type of arrangements because I need my bank account for a need to pay my bills, but can not afford to pay the lump sum, as she was looking into my account, she seemed standoffish and distant, sitting with her body position towards the doors and hands on her knees, ready to walk me out, i asked her about my account closing in a few days, she stated she did not see anything, as she reluctantly signed back on her computer, she nodded her head and stated there was nothing about my account closing in a few days, and there was nothing more she could do as she began to rise from her chair, I have always been treated well at the branch and on the phone with Customer Service, but this day I got the cold stern, no payment arrangment final. I feel, like the bank is treating me like fault party.
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I made a purchase at XXXXXXXX XXXX XXXXXXXX XXXX, the purchase was for over {$700.00}, I returned the merchandise and was told I was responsible for delivery and tax, I paid that amount and XXXX  never reported it to the company who I was paying/making payments to for the original purchase, I disputed it with both companies and it was fixed and they realized it was an error and I had already paid off the delivery and tax so, therefore, my account was paid in full and I did not owe any money. On XXXX XXXX XXXX, the account is listed as paid in full and closed but they continue to report to the credit Bureaus as charged off, missing payments, and a balance of over {$700.00} which is incorrect. I spoke to a woman named XXXX XXXX through email and over the phone and she assured me it would've been taken care of and the dispute was indeed handled and fixed but she has not helped or responded to fixing the way they are reporting to the credit bureaus I did not miss payments because I did not owe them anymore money, it is impossible to miss payments on something months after it was paid in full The balance is reporting incorrectly as well as the payment history, it was paid in full and paid off but they never fixed how they were reporting it even after I disputed it
Consumer complaint received 2023-12-30
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

Activated the card online on XX/XX/XXXX according to instructions on the back of the gift card. Card shows active online. Tried to make transactions within the available balance limit of the card which were all declined. 

Called customer service on XX/XX/XXXX and spoke to a representative who said the card is inactive, has no transactions, and they need to open a case. Have been on hold for 20 minutes with no clear resolution. The card has {$1000.00} on it which can not be used.
Consumer complaint received 2024-05-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I paid off my car loan with Bank of America and received my title. Never had a late payment the whole loan. Now its reported as 30-59 days late and closed. My online account has been turned off so Im not able to see any information My score dropped XXXX points
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAVALRY INVESTMENTS, LLC (GA)

I am a victim of identity theft. Wasn't aware of it for years, because of the pandemic. Then several years later when I was made aware, I started trying to dispute my credit, to no avail. I was recently advised that you are allowed to file charges on identity theft regardless of the time frame.
Consumer complaint received 2023-12-30
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Please see attached document.

I am opting out of Credit Reporting with Capital One. 
Any negative remarks on any of my consumer reports should be promptly removed due to reporting to a third party being a direct violation of the Privacy Act of 1974, : The FCRA, 15 U.S. Code 1681b section 2, 15 U.S. Code 1666b, as well as 15 U.S. Code 6802.
Consumer complaint received 2024-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC (CA)

I have been a long time user with zelle. Zelle restricted my account with no type of explanation as to why. Stated they dont have that information, they just know its closed and I can review their legal disclaimer on their site. This is ridiculous, I get it if I violated ANY terms but I have not & to restrict me for no reason or without any explanation is absurd. I had this issue in XXXX & now again the same issue is occurring. There is no reason for my account being blocked, I have not violated any terms nor use my zelle for any business transactions
Consumer complaint received 2024-04-13
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)

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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


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 2023-04-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (TX)

My mortgage Flagstar bank is charging me an extra insurance for no reason because I have my home insurance already. 
I talked to a supervisor and she sent me a refund form I filled it up and email it back. But they did not send me any money.
Consumer complaint received 2020-04-22
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. (TX)

I went to XXXX XXXX XXXX to shop for a ATV. As I was getting ready to pick the one I wanted I sat with my sells men. He told me I had to get my credit pulled to see if I was able to finance the ATV. We took a look at my credit report and none of the items listed on my report are mine. Please remove the items listed previous from my report and the ones listed below.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Persolve, LLC - Legal - Series 2 (TX)

Persolve legal group has wrongfully and illegally reported to all 3 credit bureaus false details on my credit report. They have failed to respond to my demand letters of validation and are refusing to correct the inaccuracies they are reporting on my credit report. The vehicle they are claiming ownership of debt on has been returned to the original creditor, whom has sold the vehicle at auction and has received their payment for the vehicle. Persolve legal group has picked up the debt and is false reporting to the credit bureaus that I owe them XXXX for a car Ive given back. This XXXX debt does not reflect the correct original price of the car, nor does it reflect the amount Ive paid on the car before I gave it back. Nor does it reflect the amount XXXX received for the car when sold at auction. These inaccuracies are prohibiting me from purchasing a home.
Consumer complaint received 2024-01-09
Product: Mortgage — Other type of mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

In accordance with the Fair Credit Reporting act Select Portfolio Servicing regarding Loan Account # XXXX, has violated my rights.

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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Select Portfolio Servicing was contacted by me dozens of times over almost a year period and never resolved the issue on their end which resulted in them reporting a late payment on my credit. After a dozen or so attempts to rectify the issue with them, they refused to acknowledge their error and correct the inaccurate reporting. In the 15 years I've had lines of credit, I have had a flawless payment history and have never missed a payment so this error has drastically affected my credit score and has caused damage to my ability to use credit in the future. When I requested them to remove the late payment, they stood by their decision and refused to correct the reporting.
Consumer complaint received 2023-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/, I deposit a IRS CHECK to Capital One in the amount of {$2800.00}. I expected the money to be held u til the next business day. 

When I found that The check was being held, Capital One agents in the XXXX told me that an investigation was being made because the check was likely fraudulent or could be fraudulent. 

A person representing Capital One investigation department informed me that the check the IRS GAVE ME WAS not RIGHT and demanded that I turn over any information they have me and that I will not receive the funds u til an investigation was conducted as to why I received a check. 

I sent them the requested information and asked them to return the check to me and to close out my account. I told them that they have no right to dispute or dictate a check from the United States Treasury Department. The check was issued and my bank account was legitimate and everything was proper. 

I was told that they could hold my funds for 60 days if the IRS approved the check. 

I did nothing wrong. I was treated like a criminal and my money withheld. 

Their position is that many people have created fake IRS checks and defrauded the Governments and Capital One was taking a stand. I told them their position has nothing to do with me. But yet they indicated that they will investigate my check and withhold funds up to 60 days. 

They did not accuse me of submitted a fraudulent check. They indicated that this is something they are allowed to do. 

My phone number is XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

I have been a XXXX  XXXX  customer for two years and have never had an issue. My account was always on autopay and then my account was disconnected from XXXX without notice and I logged into make a manual payment in XXXX of 2023. In XXXX or 2023 I received an email stating that my payment due was XXXX cents ( meaning no payment due ). I didnt make a payment because it said I didnt need to make one, I turned on autopay again and then once again it disconnected. I messaged customer service on XX/XX/XXXX when I realized my payment didnt go through and that my account wasnt updated again. I received a 1 day late payment notification that same day as well, once customer service assisted me on XX/XX/XXXX I logged in and made double the payment. I just got notification that XXXX  has reported my account as 30 days late with a payment being late in XXXX. I attempted to reach out to customer service to make the payment once I realized my account disconnected again and didnt update properly. I am not sure how I am being reported as 30 days late in XXXX when just two weeks ago I received a one day late notification. XXXX is having multiple issues with account information, many users are having the same issue as me and have wrote all over social media and XXXX. I reached out to XXXX  and they didnt even acknowledge my email about having my late payment removed from my credit report. Their customer service is very slow and there is no way to contact anyone on a phone. My husband and I are about to lose a mortgage on a house we are buying due to XXXX  and their inaccuracy with their emails, issues with bank account connection information on their app and lack of customer service. Also, when I initially signed up for XXXX  my credit agreement said there would be no annual fee, now all of a sudden they charged a {$65.00} annual fee to customers without warning, which seems to be a breach of the contract and agreement terms I originally entered. Please help
Consumer complaint received 2024-05-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I called capital one on XX/XX/year>2024 because my account became restricted out of no where and they said they had frozen my accounts because I conducted too many transactions, if a bank can't handle a few transactions a month then I'm not sure why they in this industry... But the person on the phone said that capital one has chosen to close my account but can't tell me a date when the balance will be released so for now Capital one is just holding my money XXXX which is utterly ridiculous, if they want to close my account, fine! but you can't then just hold on to the money that is in there! Please have them send this to the address on file! Thank you.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-18
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: EQUIFAX, INC. (AZ)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 

XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 XXXX XXXX Date of Inquiry : XX/XX/2023 XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 XXXX XXXX Date of Inquiry : XX/XX/2023 XXXX XXXX XXXX Date of Inquiry : XX/XX/2023
Consumer complaint received 2023-08-18
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. (VA)

I AM WRITING TO DISPUTE THE FOLLOWING ACCOUNTS. I DID NOT OWE THIS DEBT AND IT DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE. PLEASE REMOVE THESE ACCOUNTS AND SEND ME AN UPDATED COPY OF MY REPORT AFTER THE INVESTIGATION.
Consumer complaint received 2024-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (GA)

My Truist account ( Account # XXXX ) was hacked on XX/XX/year>. A total of {$5000.00} was taken out overnight starting at XXXX Est. The funds were removed via XXXX, XXXX and Wire transfer. New and unauthorized XXXX and XXXX recipients were added without my verification through XXXX security texts. I received calls from Truist asking me if I was trying to change my password. I responded no, and yet Truist 's security for my online banking portal was bypassed, and my funds were transferred out to unknown entities. 
Truist instructed me to fill out an ACH Reversal form. While the agent tried to lead me through this step, she said it was too late because the account had already been frozen by Truist and that I could not access it on my end. At this time, I am no longer able to see the transaction on my online portal, but I have attached a statement showing the transactions. I was told to wait 90 days to be reimbursed by Truist for the unauthorized ACH payment of {$1800.00} made on XX/XX/year>. On XX/XX/year>, Truist sent correspondence that they were not able to recover the funds. On XX/XX/year>, I called the XXXX XXXX Department ( XXXX ) and spoke to XXXXXXXX XXXX XXXX XXXX XXXX They confirmed that the reason the funds were not reimbursed is because Truist could not verify that the transaction was fraudulent. 
On XX/XX/year>, I followed Truist 's instructions to file a police and FBI report, and I went into a local branch to create a new account and create a new login profile. I waited 90 days for Truist to process my claim and they concluded that they are refusing to reimburse the stolen funds of {$1800.00} taken via XXXX, even though the other unauthorized transactions via XXXX and wire had been verified as fraudulent and refunded immediately. 
I am requesting that Truist reimburse my business checking account for {$1800.00}, as I followed all instructions in a timely manner, and because I immediately verified that the XXXX, wire and ACH transactions were fraudulent.
Consumer complaint received 2020-04-22
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.