davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-04
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: Experian Information Solutions Inc. (NC)

in accordance with the Fair Credit Reporting act XXXX XXXXXXXX BANK XXXX # XXXX, XXXX XXXX BANK # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX BANK # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX # 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
Consumer complaint received 2024-06-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Don't trust CapitalOne. After I paid off my balance in full, CapitalOne kept charging me interest and fees. 

On XX/XX/XXXX of 2024, I used on the online payment feature to pay my prior month 's balance of XXXX in full, which was reflected in my XXXX statement. I made no further purchases as I stopped using the card. 

Despite the fact that I paid my balance in full, CapitalOne charged me {$35.00} in interest. 

Worse, each month that this {$35.00} was outstanding they charged me fees ranging from {$29.00} to {$40.00} - well in excess of any reasonable interest rate on the underlying {$35.00}. 

When I called to correct this situation, CapitalOne refused to address it. They apologized that their own online banking system had not told me the full amount that would be due, but would not take any corrective actions. Even though I felt the initial {$35.00} interest charge was unreasonable, I offered to pay that in exchange for waiving the usurious fees, but they would not. 

I did the right thing in XXXX by paying off my balance in full - subsequently charging me interest and then adding fees that doubled the amount due the next month ( e.g., a XXXX annual interest rate ) is unfair.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

XXXX XXXX {$610.00} {$600.00} XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX {$500.00} XXXX XXXXXXXX XXXX {$540.00} I requesting these account to be removed from all of the Credit Report agencies. XXXX XXXX is not my legal name. The accounts are listed and reports different amounts due and the number of times being late.
Consumer complaint received 2024-06-22
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (SC)

On XX/XX/year>, I transferred {$240.00} to my American Express High Yield Savings Account. I transferred this money after getting paid. On XX/XX/year>, I called American Express after trying to log in and getting an error message that I kept seeing that day and days before. They notified me that my account had been closed and that they could not provide any information as to why. I then asked them about getting the {$240.00} back that I had in my account. They told me the only way was to get in touch with the bank that I transferred the funds through ( XXXX ). I got in touch with XXXX and they told me they could not do much on there end. I then reached back out to American Express and was told they would send me a letter to explain why my account closed. They also told me they could not give me my mom back unless XXXX recalled the funds. After this, I spoke with someone from XXXX who said it was possible and that it would take XXXX days. I just got back from a cruise recently and realized I never received the funds. Today, XXXX XXXX, I called XXXX to receive an update. They informed me that in their system it is impossible to do a recall and that the previous person gave me incorrect information. Its been almost a month since I found out my savings account was closed. I have not received a letter from American Express like they said I would. I have also not gotten my {$240.00} back. I am a college student who is currently in a work study program and I work hard for my money. I desperately need my {$240.00} back I was just trying to save money. American Express has been terrible in providing information and trying to accommodate me. I did not owe American Express any money and I honestly think I may have had more than {$240.00} in there but I could not log in.
Consumer complaint received 2024-06-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I made a {$500.00} payment XX/XX/year>, which went through with no issues. I made another payment to pay off the remainder ( {$2300.00} ) of my highest interest loan XX/XX/year>. I received a payment confirmation. When I logged into my account 2 weeks later, I saw that the payment had been " reversed. '' I made another payment, this time for only {$300.00} on XX/XX/year>. This payment went through initially and I received a payment confirmation. Then a " payment reversal '' for {$200.00} was posted. I attempted payments 3 additional times, paying the minimum I owed one time, paying one loan in its entirety another time, and paying a different amount the third time. I received confirmations for all payments, then the payments were all reversed. I have received emails saying my participation in auto pay has been removed. I never signed up for auto pay. On the Mohela website it states that you can " make a one-time payment, online, anytime. '' This is what I have been trying to do, so it should not have anything to do with my participation in auto pay ( which again, I never signed up for ). I feel like this is at best gross incompetence on the part of the servicer and at worse, a deliberate attempt to prevent me from paying off my loans. I now have " missed '' a payment, and have accrued interest on loans that I have tried multiple times to pay in full, using a payment method that previously worked.
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Disputed the inaccurate information and the credit reporting agencies has failed to comply and correct the status of my consumer report. As this is a direct violation of 15 U.S code 1611 willfully and knowingly reporting inaccurate information damaging the credit worthiness of the consumer
Consumer complaint received 2024-06-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA (WA)

On XX/XX/XXXX at approximately XXXX am, I received yet another harassing emails from XXXX about my student loans. It is the same email that they sent to my account. This email was sent to my inbox after I submitted a complaint about the fees that they placed on my account. I want the harassing emails to cease.
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: PNC Bank N.A. (MO)

PNC Bank refused to send me my paperwork transaction on the date XXXX XXXX XXXX forgot to put that info into overnite postal mail but insisted that the mail would be sent out only on Friday. I then stated my direct deposit would be delayed by one week th bank then stared to avoid me
Consumer complaint received 2024-06-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: PNC Bank N.A. (FL)

On XX/XX/year>, an individual named XXXX XXXX opened four business accounts under my company name and added himself to the accounts without the correct paperwork. A police report shows there was no actual ID present at the time. I can prove that I was in XXXX not XXXX XXXX where this occurred. When I contacted PNC Bank about this, they claimed they verified my address, which did not happen since I did not live at one address at that time and never received any letter from them. They said its not their problem. If they had not opened the accounts fraudulently, I wouldnt be experiencing this pain and emotional distress, which has also affected my famiLy
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (UT)

I have numerous inquiries reporting to my credit file that i do not recognize and need removed immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATTACHED IS FTC REPORT
Consumer complaint received 2024-06-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: RoundPoint Mortgage Servicing LLC (TX)

Submitted {$790.00} mortgage payment written on XXXX in required time. Check deposited by Round Point Mortgage on XXXX. 

However, RPM charged a late fee of {$39.00} erroneously.
Consumer complaint received 2024-07-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (FL)

I was offered a credit card that I did have to apply for and it was only after I activated my card did I find out that there was a {$250.00} annual fee plus $ 25 monthly fee. This is a scam. Milestone Mastercard.
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (CA)

Complaint XXXX case number has been closed since the company provided a response. The response is in fact a lie. To day, XX/XX/XXXX I do not have access to my digital data. I have made multiple calls, met with the branch manager of the XXXX XXXX 2 times and have been told the data is still not available. I verified this again yesterday by logging in myself on XX/XX/XXXX and the digital data is not provided. I was told by several members of the digital team that this is a wide known issue at NFCU and they are working to resolve. THIS IS NOT RESOLVED. I HAVE NO ACCESS TO MY DIGITAL DATA ORIGINALLY REQUESTED ON XX/XX/XXXX. 

I have attached screen shots of my digital pages, taken today, to show the data is not available. 

NFCU stated 90 days of data is available at a time which I have always complied with in gathering digital data. 

I attempted to download from XX/XX/XXXX - XX/XX/XXXX. As evidenced by the screenshots, " No transactions found. Try adjusting your filters or search term. '' I attempted to download data from XX/XX/XXXX - XX/XX/XXXX. As evidenced by the screenshots, " No transactions found. Try adjusting your filters or search term. '' NFCU continues to mislead all organizations, credit union members and business organizations by providing false narratives and blocking members from digital data. Please advise.
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

In accordance with the fair credit reporting act. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The XXXX account ARS ACCOUNT RESOLUTION S account number XXXX date opened XX/XX/XXXX balance {$1600.00} and XXXX XXXX account number XXXX date opened XX/XX/XXXX balance {$1200.00} has violated my rights. 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any customer 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 USC 1681 s-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. 15 USC 1681 s-2 ( a ) ( 1 ) 15 USC 1681 c ( a ) ( 5 ) 15 USC 1681 section 602 A 15 USC 1681 section 604 A section 2.
Consumer complaint received 2024-05-28
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (WY)

On XX/XX/XXXX, I received an electronic letter from Synchrony Bank stating that they had received new information from XXXX that caused them to drop my credit limit from {$3000.00} to {$250.00}. I pulled all XXXX of my reports and found that nothing else had changed and no new negative reports had been made. I called XXXX as the letter from Synchrony instructed me to do and they advised me that they could not help me and their information was not showing what the letter reflected. They told me to call the card issuer instead. I called Synchrony Bank and they stated they could not explain the reasoning for their decision and could only open a dispute which would take a minimum of 60 days to resolve. Because of this action, mine and my partner 's overall FICO score have dropped significantly. I can not access dental care that I need promptly. And we are not able to purchase another vehicle now. We have absolutely no balance with Synchrony Bank and paid our card off in XXXX. I have one account in collections that has been there since XXXX, since before I even opened my account with Synchrony. Since opening my account with Synchrony, I have paid down my overall debt AND obtained a higher paying job. So I am not sure why the adverse action was taken and no one can give us an explanation.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

This is my refilling and requesting for the reinvestigation to BANK OF AMERICA was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC reports to support this complaint with the FTC number XXXX.
Consumer complaint received 2024-06-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

i was impacted XXXX, which cauused me to become a displaced worker. i gotten behind on my bills and recently XXXXXXXX XXXX XXXX XXXX XXXX XXXX. My income has drastically decreased which caused me to become behind.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to address some inconsistencies that I have identified in my personal credit report. These inaccuracies are having a significant impact on my financial standing, particularly in relation to my ability to own a home. While I understand that errors can occur, I have researched the dispute process and am aware of the required investigation time-frame of XXXX days. The other bureaus have already removed these accounts from their records, following the submission of my FTC report citing the identification of an error. I am puzzled as to how these accounts were verified by your bureau while other bureaus have successfully removed them. Therefore, I request the immediate deletion of these accounts from my file as they are inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX 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 2024-01-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: B9, Inc. (CA)

I opted to transfer money between my XXXX  XXXX XXXX account to my B9 Bank account. I wanted to do this money transfer using my XXXX Debit card. I started the transfer but it did not go through because of fraud protection I tried a second time and the second one did go through. They money from the failed one was not immediately returned to my account so i started a dispute through XXXX  XXXX XXXX against b9 since I never received the second transfer. During course of the dispute the second transfer eventually fell off my account and I got my money back. So my dispute was denied since I ended up getting my money back. After I was sent a PDF letter saying my claim was denied a few days later I noticed my B9 account had a charge back for XXXX the amount that I had transferred. I contacted B9 and asked about the chargeback since the claim was denied and I never received any money in my XXXX XXXX XXXXXXXX account regarding a chargeback. they said XXXX XXXX XXXX did the chargeback. I then contacted XXXX  to ask about the chargeback and they said they never started a chargeback regarding that claim since my claim was denied. So not my b9 account is negative from the XXXX chargeback and both banks are saying they did not initiate a chargeback.
Consumer complaint received 2024-04-15
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. (NC)

PLEASE DELEE THE FOLLOWING ACCOUNTS XXXX  Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX  Account Number : XXXX
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX Credit card account is currently reporting open : XXXX XXXX XXXX and balance of {$2300.00}. 

This account has been paid in full and closed as of XXXX the account has a ZERO BALANCE
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2024-04-15
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: RDM Capital Funding LLC (MD)

Communications are being sent to family members by XXXX XXXX from XXXX XXXX XXXX. 

Specifically, the following message is being sent : XXXX from XXXX XXXX XXXX contacting you on behalf of our client FINTAP, regarding your business <business name>. Your account is in legal status. I sent you an email at <business email>. You can call me at XXXX Contact Information for XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX Email : XXXX Phone : ( XXXX ) XXXX Text : ( XXXX ) XXXX Contact Information for RDM Capital Funding LLC DBA FINTAP Address : XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

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 XXXXXX/XX/2023
Consumer complaint received 2023-06-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD)

I have a HELOC with Rushmore Loan Management Services ( RLMS ). RLMS does not allow me to pay down the principle of the loan anytime I want to. It only allows me to add to a monthly payment AFTER it has calculated the next monthly payment. 

I've had this HELOC for XXXX years ( transferred from one service provider to another ) and have not encountered this with my HELOC before. I feel that RLMS is preventing me from paying down the principle so that they can allow interest to accrue on a daily basis and make me pay more interest than necessary.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Letter to Remove Inaccurate Personal Credit Information Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : The following personal information is incorrect personal information is incorrect please delete or I will LITIGATE Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 
Thank you for your time and help in this matter. 
Sincerely,