davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BMO Bank, N.A. (IL)

On XX/XX/2023 I deposited a check into my BMO business account in the amount of {$11000.00} the check came from a account that I had closed once the account was closed they sent me my remaining funds in a check I then deposited it into my BMO account I was told the check will have a XXXX hold the XXXX XXXX  has been passed now they are telling me XXXX business days I have asked to speak with a supervisor concerning the matter on 3 different calls was told it can take up to XXXX still havent heard from them everytime I call Im getting told different things never getting a direct answer these funds are able to b verified because on the Check XXXX XXXX XXXXXXXX was the third party that cut the check I need this issue address as soon as possible
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (FL)

A creditor or furnisher listing an account as Charge off status is considered by the IRS as canceled or forgiven debt. The creditor or furnisher must issue the consumer a XXXX form. Which turns an account into taxable income for consumer. And, income can not be reported on a consumer report and also can not be listed as derogatory.This account is also reporting inaccurately. 15 U.S. Code 1666b ( a ) states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Attached you would see proof of this account reporting inaccurate information such as late payments, open dates, date of last activity, dates of last payments, wrong credit limits across the bureaus and credit limit amount.This account is still reporting negatively on my consumer report even though it was sold/transferred to another lender/collection agency to collect on this CHARGED OFF debt which I am not liable for nor have a contract with XXXX XXXX XXXXT violating 15 usc 1692a ( 4 ) . 15 USC 1692a ( 5 ) states the term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction. I do not owe any debt, especially if an account is already CHARGED OFF. I as a consumer have the right to privacy.
Consumer complaint received 2023-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (IL)

Toward end of XXXX, beginning of XXXX I was reviewing my credit report and noticed that my Synchrony account had a closed status. Account was and closed without reason or notification. They were receiving on time payments. When I contacted the company I asked the rep to email me a document stating they were authorized to take this action. The rep placed me on a long hold and claimed to have sent the document but it was never received. I escalated call to supervisor who stated based current status of my credit they made the decision to close my account. I am currently receiving harassing phone calls and emails for payment after they closed the account. This is a violation of the Fair Credit Reporting Act. They accessed my credit report without my authorization, notification and added information to my credit report without my consent.
Consumer complaint received 2024-04-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: SYNCHRONY FINANCIAL (NV)

After contacting several representatives I finally spoke to 'XXXX '' at XXXX their time at the XXXX  XXXX office on XX/XX/XXXX and she was a great help. She is the only one that attempted to contact another department and was told it's because I didn't fill out a signature card. I never heard of this. 
They didn't send me the signature card in an email the sent it in the bank messaging system. 
I have been with this bank since XXXX. I also received a welcome letter years before this with no such signature card. 

They're not giving me the inter est that I have accrued correctly for example for example statement XX/XX/XXXX the interest paid on that statement is less than what I earned. now I have to go through every statement to see if I am being shorted.
Consumer complaint received 2023-06-08
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: Experian Information Solutions Inc. (FL)

Months ago, I sent the three credit bureaus a letter asking them to remove this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following inquiries : 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
Consumer complaint received 2023-07-01
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. (PA)

I have previously contacted the company Equifax to let them know that I have never had any dealings with XXXX XXXX. Then I received a letter saying upon investigation that the account belong to me, which is not true. I do not know what kind of investigation they did but whatever they did, they didnt do it deep enough, because this is not my account XXXX with a balance of XXXX
Consumer complaint received 2022-10-19
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2023-09-04
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)

This is one of my numerous 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 an alleged fraud or extortion. XXXX XXXX and XXXX XXXX. Please delete these accounts ASAP.
Consumer complaint received 2023-01-25
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: Experian Information Solutions Inc. (TX)

I have been trying to fix the issue with Experian since XX/XX/XXXX ( today is XX/XX/XXXX, so it has been XXXX months already with no resolution ). I last spoke with XXXX at Experians dispute department on XX/XX/XXXX and explained the issue to her again in full details ( Im hoping that she left some notes summarizing our XX/XX/XXXX conversation ). XXXX suggested that I should also send a letter to Experian ( along with supporting docs ) and quote case # XXXX for reference ( I already did that ). But since Experian is taking so long to fix this issue, I've decided to file a complaint with Consumer Financial Protection Bureau in order to induce Experian to take this matter seriously. 

In a nutshell, Experian destroyed my credit history! My legal name changed recently, and so I requested Experian ( back in XX/XX/XXXX ) to update my credit file accordingly. However, when the name was changed at their end, Experian basically wiped out XXXX years of my credit history and brought my very good credit score from XXXX to XXXX something ( poor ). I have brought this matter to XXXX attention multiple times since XX/XX/XXXX and the agents at their end basically kept giving me the run around. Ive been told repeatedly by Experian that the issue was caused by my creditors and that they are not reporting to Experian using my correct legal name. Ive double checked with all my creditors and confirmed that my name has indeed been successfully updated in all their records. 

Prior to the legal name change, my Experian credit report had XXXX total accounts ( XXXX credit card accounts, XXXX auto loan account and XXXX real estate loan account ). All of these accounts have been wiped clean from my Experian credit history and Im now only left with XXXX credit card account after Experian updated my legal name. 

Also, the issue was definitely caused by Experians blunder and not by my creditors! So they need to stop blaming my creditors and take responsibility for their blunder and fix it immediately. How can we confirm that this is definitely an Experian blunder? I pulled recent credit reports from XXXX and XXXX and noted that they successfully updated my legal name and still managed to retain my XXXX years of wonderful credit history! 

As I said above, Experian needs to take responsibility for this blunder and fix this immediately. Their performance to date have been quite deplorable!
Consumer complaint received 2023-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

This complaint relates to a prior dispute with Capital One regarding my checking account, CFPB complaint # XXXX, which has been closed without a satisfactory resolution on my part. My complaint was submitted to credit my Capital One checking account with {$3000.00} that was deposited by Capital One to their own account and not to any of my Capital One accounts. Instead, on XX/XX/2023, they debited my checking account {$3000.00}, leaving me instead with a net debit of {$6000.00}, the amount which Capital One then owed me. Then, as stated in their letter of XX/XX/2023, on XX/XX/2023 Capital One credited our credit card {$3000.00} and on XX/XX/2023 they credited our checking account {$3000.00}, 'reversing their previous error '. In the meantime on XX/XX/2023, seeing that my credit card was credited for {$3000.00}, I asked Capital One to close the credit card account and asked for a credit balance refund of {$810.00}, which I did receive, # XXXX. Then, instead of closing my credit card account, on XX/XX/2023, Capital One debited my credit card {$3000.00}, which it continues to insist that I owe with late fees and interest charges. Their accounting has never allowed me to recover the {$3000.00} that Capital One has stolen from me! I have spent countless hours on the phone, often speaking with untrained representatives who will not attempt to understand my problem, trying to resolve this issue. I have filed a claim with Capital One that the XX/XX/2023 debit of {$3000.00} to the credit card was fraudulent on their part and have requested that the debit and all interest charges be reversed. I have not received any reversal of credit card charges or other response to date. Capital One still owes me {$3000.00} and restoration of my excellent credit history.
Consumer complaint received 2023-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX
Consumer complaint received 2022-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed 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
Consumer complaint received 2023-09-27
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (GA)

It took less than one minute to open account online. There was no option to make this a non recurring deposit. 
Information on how to close account, recurring nature, penalties was hidden in fine print. 
When I wanted to close the account I was told I had to do this within 7 days of maturity to avoid penalty. 
When I attempted to do that I spent 1.5 hours in the phone : 1. Main menu after wells fargo premier line offers 4 for time deposit. Connects to credit card. They attempted to connect me to the " right '' person. Resulted in being back in main menu, 10 minutes holds and XXXX information ( can only be closed in person ). 
2. After one hour I got to customer advocacy which took 30 minutes to close account 3. I believe this is close to or actually is entrapment : it is next to impossible to close the account if you are not persistent and have 1.5 hours during working hours. You have only 7 days after maturity or incur a3 month interest rate penalty. And it takes less than one minute online to open this account but like XXXX XXXX doesn't let you leave Wells Fargo should not be allowed to have this product if it is not as easily closed as opened
Consumer complaint received 2023-11-06
Product: Credit reporting 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. (NV)

I do not recognize these inquiries from my credit report, and I asked the Credit Bureau to remove them, and they did not do as asked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-18
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. (FL)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 2024-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MA)

I recently discovered several accounts on my credit report that are inaccurately reported. These accounts include a collection with LVNV FUNDING LLC and a charge-off account with XXXX XXXX XXXX . I want to emphasize that I do not owe any debts associated with these accounts, and they should be promptly removed from my credit report to reflect accurate information. I believe these inaccuracies are damaging my credit score and financial reputation unfairly. Your assistance in resolving this matter would be greatly appreciated.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXXXXXX XXXX Please investigate this account, there are several inaccuracies amongst XXXX and Transunion which shows this account was not validated through the E-oscar system or bureau agent. How is it possible for one account to show information that is not identical on both bureau accounts?

Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete. This hurting my credit profile and is a violation of my consumer rights. Please delete this account immediately.
Consumer complaint received 2023-12-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (NY)

Im still unable to fully use my Venmo account as it is intended to be used. I attempted to add money to my Venmo account yet again. I was not allowed to do an instant transfer from my debit card which is associated with the verified bank account on my Venmo account. Although, I was able to add money to my verified bank account which finally deposited into my Venmo account days later on XX/XX/30 as youll see in the attached PDF. When I tried to add money into my Venmo account with my debit card again, I did a screen recording where youll see in the attached video that I wasnt allowed to do the instant transfer even though I should be able to. I attached a PDF with the email that I sent to the Venmo/PayPal executives XXXX XXXX regarding this update. 

To view the more documentation pertaining to XXXX crime ring interfering with my Venmo account, visit : XXXX XXXX XXXXXXXX XXXX venmo
Consumer complaint received 2023-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 2023-11-06
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (NY)

I received a phone call from XXXX. Listed as " XXXX XXXX '' when I answered the gentleman on the line said he wasnt sure why it came up as " XXXX XXXX '' andvthen stated he was calling from mcm. I asked what mcm was and he simply stated " Midland. '' This is deceptive call tactics in an effort to dupe people into answering their phone calls.
Consumer complaint received 2020-12-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I had some issues with some rebilled charges on my credit card with Walmart capital One have failed to rectify this issue I received a correspondence from capital one stating that they will credit my account any interest and any rebilled charges to my credit card however I have not seen any credits besides one for the amount of {$83.00} the other charges are still not credited and I have not seen them as of yet I received the correspondence on XX/XX/XXXX stating that all these charges that were rebilled and interest will be credited back havent received none I lost the correspondence stating such and cant find it on the online profile to provide proof