davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have tried several times to resolve an issue where a company with access to my account without my permission charged my card {$950.00} and change. I reached out to the company to XXXX, they did not answer my calls, emails or text messages once they stole the money out of my account. Once I disputed the matter BOA provided a temporary credit. I then received a credit reversal that over drafted my account. I asked for the reason for the reversal and BOA mailed me what appeared to be a fake lease document that they reported as a lease agreement. I immediately reached out to the real company and provided them a copy of the fake documents. The apartments management team provided a letter stating that I do not have a lease agreement nor application on file with their company. BOA stated that they authenticated the document which is obviously fake. BOA has yet to respond to my requests to reopen the case so that I can properly have the case looked into. I was told by a representative that they do not verify information that is sent in by the consumer. I continue to submit documents as requested only to be left holding the bag for criminals who Bank of America has not properly investigated. 

This means that people and defraud innocent people and Bank of America will do nothing to protect their consumers from thieves.
Consumer complaint received 2023-12-15
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: RoundPoint Mortgage Servicing LLC (TX)

On XX/XX/XXXX  I reached out to XXXX to ask why my new mortgage holder was not reporting that they are servicing my loan. I asked this because it is not showing on my credit report and shows that the loan has been paid in full. This is negatively affecting my credit score. They told me the new bank ( RoundPoint Mortgage Servicing, LLC ) would need to report this to the credit bureaus. I called the new bank and they informed they will not report it for 60 days and did not explained why they wouldnt report it earlier. In the mean time my credit score has been negatively affected by XXXX points without me doing anything at all.
Consumer complaint received 2023-06-08
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. (TN)

In accordance with the Fair Credit Reporting act XXXX 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 agencies 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.
Consumer complaint received 2023-02-27
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: MARINER FINANCE, LLC (SC)

On XX/XX/XXXX XXXX I went to Marina Finance XXXX XXXX XXXX XXXX XXXX SC .I showed my DL and SScard i told them that I didn't have an account and they are reporting to XXXX .that I have I asked to have it removed and they told me that it could not be removed although they admitted it was not my account .when I asked why the woman got really nasty with me with a real attitude. All that I wanted was an account that is not mine removed from my credit report
Consumer complaint received 2023-12-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (NJ)

I requested to close my checking account on XX/XX/23. The account remained open as of today but we had no access to the fund. That is, we could not transfer money out and we could not withthraw money either. On XX/XX/23 we called Chase and was told that the branch will be able to help. So I went to the branch and they could not do anything either but they asked me to call XXXX XXXX XXXX. I did call and the person who I spoke to promised to have the account closed and a check sent to me within a week. As of today, XX/XX/23 nothing had been done. I went online and my accound looks just like before with a balance but I have no access to the fund in the account
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (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 bureausmust 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 an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

In XX/XX/XXXX XXXX two separate accounts for the same debt of {$100.00} from my previous rental location with XXXX XXXX XXXX appeared on my XXXX, XXXX, and Equifax reports under two different debt collection agencies. One, under XXXX XXXX XXXX which has now been removed as it was correctly updated to reflect that the debt had been paid as of XXXX XXXX, XXXX ; and the other under XXXX XXXX XXXX which is still present on my credit files as unpaid. 

I have submitted disputes with XXXX starting XXXX XXXX, XXXX, then on XXXX XXXX, XXXX, again on XXXX XXXX, XXXX, and most recently XX/XX/XXXX XXXX. Each time XXXX denied my dispute claiming that the information was accurate, and in some instances of their investigation, they did not take the full 30 days to come to that conclusion nor did they reach out to me to receive the documents of my proof to make a full and correct assertion to that claim. 

I have emailed XXXX XXXX XXXX twice as it relates to this, and have not received any communication back from them either time. I've called them and was told to email them with my proof which is exactly what I did, but they have yet to respond or remove the fraudulent debt reporting from my records either. 

Under 807 ( 2 ) ( A ) False or misleading representations, a debt collector may not use any false, deceptive, or misleading representation as it pertains to the character, amount, or legal status of any debt. And I am aware that under 813 Civil liability, any debt collector who fails to comply with any provision of the US Code with respect to any person is liable to such person in an amount equal to the sum of any damage sustained, which, in my case, I can show that this has hindered my application for auto leasing, as well as hindering my ability to obtain credit, and small loans since this is the only present collections on record aside from my student loans. 

This has also caused a great deal of emotional distress as I have been faced with denials that are highly based on the fact that I have this reported collection. ( XXXX v. XXXX, XXXX )
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (TN)

Back in XX/XX/2023, I started the XXXX XXXX program which transfers your loans into a XXXX XXXX status. As part of the initiative you get a fresh start and ALL LATE/PREVIOUS/PAST payments are to be REMOVED to have a " Fresh start '' after 90 DAYS of signing up. I spoke with NELNET and they stated that XXXX XXXX were responsible for updating my credit report to reflect NO late payments. After 7 months of trying to get it resolved XXXX XXXX, they stated that they were informed by the dept of Education and student aid.gov that NELNET are the ones that suppose to update my credit report since they were my original loan servicer and they still have loans that belong to me and loans were sent to XXXX XXXX. I spoke with the dept of Education and student aid.gov as well and they've stared to reach out to NELNET to RESOLVE.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc. (CA)

In XX/XX/XXXX two separate accounts for the same debt of {$100.00} from my previous rental location with XXXX XXXX XXXX appeared on my XXXX, XXXX and XXXX reports under two different debt collection agencies. One, under XXXX XXXX XXXX which has now been removed as it was correctly updated to reflect that the debt had been paid as of XX/XX/XXXX ; and the other under NATIONAL CREDIT SYSTEMS which is still present on my credit files as unpaid. 

I have submitted disputes with XXXX starting XX/XX/XXXX, then on XX/XX/XXXX, again on XX/XX/XXXX, and most recently XX/XX/XXXX. Each time XXXX denied my dispute claiming that the information was accurate, and in some instances of their investigation, they did not take the full 30 days to come to that conclusion nor did they reach out to me to receive the documents of my proof to make a full and correct assertion to that claim. 

I have emailed NATIONAL CREDIT SYSTEMS twice as it relates to this, and have not received any communication back from them either time. I've called them and was told to email them with my proof which is exactly what I did, but they have yet to respond or remove the fraudulent debt reporting from my records either. 

Under 807 ( 2 ) ( A ) False or misleading representations, a debt collector may not use any false, deceptive, or misleading representation as it pertains to the character, amount, or legal status of any debt. And I am aware that under 813 Civil liability, any debt collector who fails to comply with any provision of the US Code with respect to any person is liable to such person in an amount equal to the sum of any damage sustained, which, in my case, I can show that this has hindered my application for auto leasing, as well as hindering my ability to obtain credit, and small loans since this is the only present collections on record aside from my student loans. 

This has also caused a great deal of emotional distress as I have been faced with denials that are highly based on the fact that I have this reported collection. ( XXXX v. XXXX, XXXX )
Consumer complaint received 2023-12-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (AZ)

I received a month ago my first notice of collection from Credit Collection Services in XXXX MA claiming I owed {$200.00} to XXXX XXXX, my FORMER auto insurer for the year XXXX. 

I was insured by this company through XXXX XXXX XXXX XXXX XXXX, and in XXXX of XXXX  I requested quotes through XXXX from this company -- along with several others -- for the year XXXX because XXXX was charging an extraordinarily high rate for a good driving record. None of the information CCS provided to me indicated what the charge was for, or even the year, and knowing that I did not automatically renew my policy from XXXX ( I sent an email to my insurance agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  letting her know that I was no longer going to use XXXX or her agency ( i received a better rate through XXXX ) ) that I was not going forward with them -- and instead went with a better policy for less money for XXXX with XXXX XXXXXXXX, Since XX/XX/2022 to today, my automobile has been registered in Arizona with XXXX XXXXXXXX as my insurance policy. And because I an excellent driver, I've not needed to file any claims. 

I am filing a complaint against XXXX XXXX with the Arizona Department of Insurance, and forwarding this complaing information -- along with details on Credit Collection Services false collection claims -- to the Arizona Attorney General 's office. 

Poor bookkeeping and communications skills in corporate America does not justify causing inconvenience to consumers. They need to get their act together.
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc. (CA)

Hello I am a victim of identity theft, I have no recognition regarding these fraudulent accounts. As I was looking over my consumer report, I noticed all these accounts that were not mine. I rarely check my credit report and now Im noticing all of these fraudulent accounts. I even hired an attorney to help me with this process.
Consumer complaint received 2024-04-06
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: ROBINHOOD MARKETS INC. (LA)

Robinhood Credit should be removed from previous authorized user 's credit report XXXX XXXX. I have emailed Robinhood credit several times to ensure that account be removed from XXXX XXXX 's credit report to no avail to date account is still reporting as an open authorized user account and has been closed for close to 6 months!
Consumer complaint received 2022-09-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ND)

I contacted an individual about a puppy for sale. They lived close to me, and seemed legitimate. The puppy cost {$800.00}. I sent them money with XXXX. A few days later they blocked me and their account. Fraud occurred XX/XX/22. Individual would not respond to calls or messages. I bank with Bank of America.
Consumer complaint received 2023-05-16
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: EQUIFAX, INC. (GA)

i recently checked my credit report, which im trying to buy a house. And i noticed that i has several inquiries that i did not authorize. This is hurting my credit and stopping me from buying a house these are the inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i also filed a compliant with the ftc
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-12-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (SC)

On XX/XX/2023 I was a victim of an impersonation scam in the amount of {$500.00}. I was selling furniture online when this person offered to buy. All was well until payment time, because I received an email saying they sent the money but it was unavailable, and to get my {$500.00}, the other person has to send another {$500.00} to equate to {$1000.00}, and I would have to send {$500.00} to verify this. I don't often use XXXX  so I was unfamiliar with the officiaXXXX XXXX email and had assumed this was legit. Upon realizing what happened I called on the same day my bank, XXXX, and XXXX but neither company did anything as they both told me accountability was on the other party to handle on my behalf. My dispute wasnt filed until 3 days later, by then XXXX had given the money to the scammer and likely the scammer had deposited the funds in their bank account, as even the scammer 's bank refused to refund me, despite that I have disputed this 3 times with documentation. Each time there has been a refusal of any of these financial institutions to find restitution
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (KS)

I have several credit cards and XXXX setup each payment ( bill pay through my bank ) to be received on the exact date the payment is due. This works for all but my GM Rewards Card by Marcus Goldan Sachs. For that card I have my bank send them a check XXXX day earlier, so XX/XX/XXXX when the payment is due by XX/XX/XXXX. That is because the GM credit card will issue a late fee/interest fee if the payment is received on the day it was due. The late fee/interest fee are then reversed automatically. But Ive had to also call to make sure it was reversed. So a waste of my time. Why are they this? I believe they are pressuring consumers to send their payment in a day or two earlier, thus having MILLONS or maybe BILLIONS of dollars on hand one or two days earlier, which is a HUGE bonus for them. 

My most recent payment was due XX/XX/XXXX, so I had my bank send them a check on XX/XX/XXXX. Yet I received a letter saying I missed a payment. So I called and sure enough the payment was recevied XX/XX/XXXX and the fees were automatically reversed. So now even one day early is not enough? 

Is that a fair practice? I would think not? 

Please let me know your thoughts. 

Thank you- XXXX XXXX
Consumer complaint received 2023-12-09
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have been a holder of Capital One 360 XXXX accounts ( XXXX XXXX XXXX XXXX ) since approximately XXXX I held ( until XXXX ) XXXX high-interest savings accounts with Capital One totaling over totals varying from {$15000.00} up to over {$60000.00}. 
I opened these accounts with the understanding that they were high-interest savings accounts. They were advertised as high-interest savings accounts at the outset and they continued to be advertised and operated that way. When interest rates went up, the rates went up ; when interest rates went down, the rates decreased. It was my understanding from how the accounts were advertised and operated that I would earn a competitive high-yield rate. For example, today, CapitalOne advertises high-interest accounts : 4.35 % APY- High Yield rate- A competitive Annual Percentage Yield. 

However, recently, after receiving an offer from a competing bank, I checked the interest rate of my Capital One accounts. All of my XXXX accounts are currently earning a paltry .30 % interest or less. I was surprised and visited the Capital One website to confirm that Capital One is paying such uncompetitive rates. I then spent hours on the phone with XXXX XXXX last night and today, seeking my original terms and condition documents. Capital One kept trying to direct me to todays Terms and Conditions but was unable to provide me with the Terms and Conditions when I open the accounts. Moreover, despite speaking to numerous people, Capital One was unable to provide any explanation as to what its variable rate was tied to., My most recent account statement states my accounts are XXXX XXXX Accounts. It appears that Capital One is treating legacy XXXX High-Yield Savings Accounts ( Legacy High-Yield Accounts ) differently than these XXXX XXXX XXXX The features of the XXXX XXXX Accounts appear to be nearly the same as the XXXX XXXX Accounts, except for the interest rate. 

It would appear that Capital One engaged in deceptive and abusive practices. Specifically, Capital One led XXXX XXXX Account holders to believe that they were getting competitive interest rates, but did not pay competitive interest rates. Further, Capital One launched a New High-Yield Account product without properly notifying Legacy High-Yield Account holders of the change or automatically rolling them into these accounts. And finally, it would appear that Capital One did this to intentionally deprive consumers with Legacy High-Yield Accounts of the interest they were entitled based on Capital Ones promises and past practices. 

Not only did Capital One violate XXXX Capital One intentionally harmed consumers who trusted Capital One to protect and preserve their savings. Particularly during high-inflation environments such as this, it is critical that Capital One repair the damage done.