davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

My husband passed away on.. 

On XX/XX/23 I went into XXXX XXXX XXXX XXXX XXXX and got pre approved on a mortgage Loan. When the loan officer printed my report- XXXX XXXX Revolving card showed up on the derogatory report. Balance is XXXX, & paid off XX/XX/23. When I asked the bank to remove incorrect report, I got passed around to many different numbers and people with no help. I went into the bank and spoke with Bank Manager in XXXX- she filed a report for a supervisor to call me. I was told the card was not on my name -the bank has copies of death certificate and everything was dealt with. If my name is not on the account- why is it on my report? Why is it on ANY report of its paid off and not delinquent? 

I called the number on the back of the card. Its not the right number. I called the number on the back of credit report for XXXX XXXX Dispute Center. That number is incorrect. I got put on hold on all instances and probably over an hour on the phone. 

Please see attached
Consumer complaint received 2024-02-16
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. (GA)

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 15U.S.C 1681. 

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 XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX ) # XXXX, Department of EducationXXXX XXXX XXXX, XXXX XXXX # XXXX XXXX 

15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ), a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-01
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. (NC)

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. 

Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-25
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. (GA)

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. 


Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Genesis Lending (PA)

Genesis? XXXX Had received my agreed payment of XXXX on XXXX XXXX rather than the due date XXXX XXXX, 12 days early then in return added a late payment fee on XX/XX/XXXX of XXXX. They admitted the mistake through two phone calls and agreed the late payment should have not been charged because the payment was received early. They have also had a XXXX payment lost in the mail for a XXXX payment. They mailed the payment back to me and marked me as 30 days late on my credit reports being they did not receive the payment back until XXXX though they mailed it back to me so therefore XXXX payment was not late. They charged me XXXX late payment charge and marked my credit reports as 30 days past due. I would like my money back and my credit reports corrected. There is a conflict because of their Internet spokeswoman is the daughter of the manager in the building I live in, maybe this is the problem because I am in the right. I agreed with them I was over the limit but not late with the payment. There is a difference with being over the limit and late, these are late charges. This company is a rip off!
Consumer complaint received 2024-03-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (VA)

While I was prepping my personal taxes, I realized I have a 1099-INT for an account I don't recognize from BMO Bank NA . I never have opened an account with BMO, Harris, or Bank of the West - all affiliated with BMO. 

Background : In early XXXX, I was a victim of identity theft. The thieves tried to open bank accounts- not credit cards or loans- in my name ; between XXXX and I, we thought we stopped all of it. ( Prior had credit freezes, but since they weren't opening credit in my name, that did nothing. Added a freeze with XXXX- but that's optional for banks to check. 

As part of that, on XX/XX/XXXX, I had contacted XXXX as someone tried to open an account in my name. Their rep XXXX assured XXXX and I that no account was already shut down because the thief couldn't verify identity. 

XX/XX/XXXX - I called 7 different phone numbers- what was on the 1099-int after verifying it was legit ; fraud number listed on their website for the US ( but was for XXXX customers ) ; and numbers different CSR referred me to. After talking to 10 different CSR. No one could tell me if I had an account under my SSN, if this 1099-int was legit. They kept referring me to other departments ; non-working phone numbers ; and once even to a number that turned out to be a pet store in XXXX. Twice I was hung up on. 

Help!!
Consumer complaint received 2023-11-08
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Linebarger Goggan Blair & Sampson LLP (NC)

I was traveling from XXXX XXXX  to route to XXXX XXXX and accidentally went through an XXXX XXXX toll instead of a cash toll, so I was charged {$50.00} as a fee for breaking XXXX XXXX law, and not paying the toll as I went through. I was sent a letter from Linebarger Goggan Blair & Sampson stating that I owe this {$50.00}. The toll technically came from the XXXX XXXX, XXXX however, they use this company as their debt collector. Upon looking them up on the XXXX XXXX XXXX there are multiple complaints of fraudulent activities from them, including one person who was continuously charged from a toll they had in XXXX, he would pay it, and they said that their balance was a XXXX, but they continuously charged him, because they only take a certain amounts of the money to pay off the debt, and the other money they pocket for themselves. This is not made explicit whatsoever in any of the letters that they sent it is completely misleading to the public as well as rather predatory. Im concerned that most people receiving these letters would pay through them Goggan Blaire and Sampson rather than XXXX XXXX XXXX directly resulting in scamming them out of their money for years to come. Had I not look this up and called the source of the toll, I probably wouldve fallen victim to the countless people that have had issues with this company. They are not operating a fair business practice, they were purposefully elusive, the only way to file dusputes is through Fax, they do not have an email, they do not have a place for complaints other than through Fax. Although it is not against any law to only have fax as contact, I highly suspect that they do this in order to purposely inconvenience people and not having to directly talk to them to complain about their fraudulent behaviors. The lack of explicit statement on the letter, missing forms, the public into thinking that they should use this company to pay their toll, when, in fact, they are unknowingly paying the company, and only a certain percentage of their toll. This is quite despicable, and should be looked into.
Consumer complaint received 2023-12-28
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/XXXXXXXX after purchasing a plane ticket to XXXX, I decided to purchase XXXX XXXX XXXX XXXX XXXXXXXX hat. At the time, I was using an American Express Serve prepaid card due to the XXXX XXXX XXXX XXXXXXXX XXXX, ( XXXX ) XXXX, had caused me. 
When I submitted the order, the processing stage took a little longer than usual, but the order went through, I received the confirmation email, and the money was deducted from my account. I charged twice, and someone pretending to be playing a video game, typed a code that allowed them to steal {$36.00}, receive my order, and but, {$0.00} HOLD. 
Then they took the cyber online shopping crime a step further by DEACTIVATING " Track your order. '' When I go to Track my Order, it only reflects RECEIVED. It's been like that since XX/XX/XXXX. 
My sixth sense says XXXX ended up with my hat. The hat was at his office. He didn't pay for it. I did. He and his clones typed a code to cause this problem. 
If my order was indeed cancelled, XXXX XXXX XXXX 's tracker would have said so, and it still hasn't, XXXX. I just checked it again. ( see images ). 
In conclusion, I told XXXX to mail me a hat and place it in my box or refund me the money {$18.00} x 2 = {$36.00}. 
Today I checked my Serve account online again, the balance says {$0.00} and the transaction line that reflected XXXX is missing. 
Who is at fault here? XXXX XXXX XXXX XXXX for allowing the XXXX XXXX  to be all up my business XXXX playing " video games '' that XXXX XXXX online shopping orders, American Express Serve for allowing the online ledger to be tampered? The mail clerk for allowing mail theft to take place? Or everyone? 

Bottom line, I need to see {$36.00} in my account ( dummy account ) or a XXXX XXXX Hat in my box by the time I return to XXXX XXXX  XXXX Please have XXXX decide. The transaction was reversed due to the video game they were quote on quote playing " innocently. '' Please. 

Again, {$36.00} or mail me a hat. 


Thank You, XXXX XXXX XXXX
Consumer complaint received 2024-04-01
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)

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. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (OH)

Transworld systems is reporting a XXXX XXXX  account on my credit report that is in collections from 2021. We dont have XXXX XXXX, we have XXXX XXXX  XXXX at my house. I asked them to remove this and they refused.
Consumer complaint received 2024-02-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (NJ)

I opened a savings account with Marcus by Goldman Sachs and had money transferred there from a XXXX online account ( XXXX ). Marcus sent me a letter dated XX/XX/2023 addressed to XXXX XXXX, NJ stating that they closed the account and deposits received will be returned to me. Marcus only returned approximately XXXX of the funds via bank transfer to a XXXX bank account in the name of XXXX. In a letter dated XX/XX/2023 Marcus send a letter stating XX/XX/2023 Account was closed with amount of {$9200.00}. I have called numerous times to Marcus requesting the funds be returned to me. They keep transferring me to different departments and now are saying I am a victim of fraud. The only fraud is on Marcus end with not returning the funds to me as the stated they would. then they claim to have sent a check but no copy of a check can be produced. XXXX XXXX, XXXX  I sent a letter to Federal Reserve Consumer Help who told me to contact Consumer Financial Protection Bureau. I submitted a claim and Marcus response was that it appears to be fraud. As previously stated the fraud is with Marcus who acknowledges they received the funds, acknowledges they closed the account the funds were deposited in, acknowledges the total funds received, acknowledges that they will return the funds. I am attaching letters from Marcus detailing what they acknowledge. I have attached a copy of the overnight delivery envelope from Goldman Sachs, Letters from Marcus, Goldman Sachs detailing amount of deposits they had received, letter from Goldman Sachs detailing that they closed the account and would return ALL deposits received.
Consumer complaint received 2023-08-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY (NY)

Date : XXXX Amount : {$9500.00} Wire Transfer Reference # : XXXX I sent a wire transfer from TD Bank to a recipient bank in XXXX. The money never arrived. TD Bank was unable to provide evidence of the following : * that they sent the money * that the intermediary bank received the money * that the intermediary bank forwarded the money * that TD Bank made good-faith attempts to investigate the problem TD Bank claims that the intermediary bank is XXXX XXXXXXXX in XXXX, but TD Bank is unable to provide any proof that XXXX XXXX received the money. 

I have contacted TD Bank multiple times, both in-person and over the phone. I asked managers in TD Bank to escalate the problem multiple times. TD Bank managers refused to escalate the problem, and were unable to suggest ways to resolve the problem. 

To resolve this problem, TD Bank should return my money. I am complaining to the CFPB as a last report in an attempt to resolve this problem.
Consumer complaint received 2024-04-01
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)

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.

has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-31
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. (FL)

Company hasnt mailed requested information validating closed accounts. Under FRCA ALL INFORMATION ON A CONSUMER REPORT MUST BE ACCURATE. REMOVE CLOSED ACCOUNTS, STUDENT LOANS ACCOUNTS NOT MINE REMOVE, XXXX XXXX ACCOUNT REMOVE NOT MINE. XXXX XXXX XXXX INQUIRY REMOVE I HAVVE NEVER SIGNED ANY CONTRACTS WITH THESE COMPANIES.
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CA)

Chase bank continues to use their deceitful tactics and poor business practices. I have an auto pay set up on my account, and every time the payment comes due, the auto pay doesn't work, but every time I log in and pay manually through their site from the same account, it works every time. This is just more harassments from a shady bank. To the point that they called and reduced my credit lines because of their system not working, its just absurd.
Consumer complaint received 2023-01-05
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. (MD)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX 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 XXXXXX/XX/2022
Consumer complaint received 2024-04-01
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. (KY)

In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions.
Consumer complaint received 2023-11-08
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 (TX)

I have gone back and forth with capital one about an account reporting on my Credit Reports. I have given documentation and spoke to them and informed them that im not only a Identity Theft victim but a victim of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One has taken no consideration into my circumstances, nor do they care in anyway about there customers. They are still reporting a debt that is not mine to credit reporting agency 's, and ignoring all laws put in place by the government and FRCA that were put in place to protect survivors of XXXX XXXX XXXX XXXX. They have refused to do anything about the fraudulent debt. I am now a single mother who is trying to move forward with my XXXX children in light of what happened to me in the past. They do not care these issues impacting women and victim 's of XXXX XXXX
Consumer complaint received 2024-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

in regards to response XXXX, i feel Capital One should return my money They did not and will not be allow me to continue using the bank. I feel if they do not return my money they could have still allowed me to be a customer at the bank. i spoke to a XXXX XXXX who said the scam began with Capital One having my money and should refund it back to me. i am o a fixed income and hurting because of this scam. i want an explanation why i can have neither one
Consumer complaint received 2023-08-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc. (FL)

I have a cease and desist on the account yet the lender has called every day since XX/XX/XXXX. I have told them several times that I know when the payment is due. This is harrassment. 
Secondarily, I have asked the lender to send me an escrow analysis and breakdown of the arrears. I also asked for an adjustment of fees owed.