davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/21, my daughters found the website XXXX XXXX XXXX which advertises puppy dogs. They contacted the site and they began the process of the purchasing one without my knowledge or consent ( my girls are ages XXXX and XXXX ). The gentleman, XXXX XXXX, asked them to XXXX a one time fee of {$490.00} for faster service which they did. Later, I found out about the transaction and tried to take action but it was too late. I tried to exchange emails with XXXX XXXX but he kept telling me to sign the purchase form and the puppy would be shipped out. I later found out, from XXXX, that this is indeed a scam website being hosted by the domain XXXX. My wife and I immediately filed a complaint with XXXX and opened a fraud investigation with Bank of America. Bank of America eventually closed the fraud claim because they said the purchase was done using my phone device so threfore no fraud had occured. They encouraged me to instead open a scam claim and to also file a police report. On XX/XX/21, I re-opened the claim with Bank of America ( this time for scam/theft by trickery ) and filed a police report with my local station ( Police # XXXX ). When I called BofA today, XX/XX/21, to follow up on my claim status, they told me it was denied again because they are NOT responsible for any XXXX related issues. I have been a loyal customer with BofA for 21 years and I am completely devastated by their decision and the fact that they kept me hanging by a thread for more than a month asking me to do 100 different things. I am requesting a good faith refund for this incident and for XXXX XXXX or his financial institution to be held accountable. 

XXXX XXXX XXXX payment : email XXXX Correspondence/trickery email : XXXX XXXX
Consumer complaint received 2023-12-07
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. (TX)

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 : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX Account Name : XXXX : Account XXXX 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 2021-07-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (GA)

I continue to receive letters from PHH Mortage XXXX stating that they don't have records of my hazard insurance coverage for home during periods of time MORE THAN A YEAR AGO and that if I do not provide proof of insurance on the home during that time, XXXX Mortgage will buy insurance on my home for periods of time between XXXX and XXXX. First, I had insurance on the home during the periods missing in their mortgage records. Second, it is not my fault that PHH Mortgage did not ask me for proof of insurance in XXXX and XXXX. Third, I believe it is unfair, unjust and illegal to charge me for an insurance policy to cover periods in the past. 

They have proof of my current insurance on the home. 

I am reporting this matter to the CFPB because I doubt that I am the only customer receiving such letters from PHH Mortgage and I believe this matter should be investigated by the proper regulatory/oversight agencies.
Consumer complaint received 2021-12-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I filed a dispute for a XXXX charge of XXXX dated XX/XX/XXXX with Capitol One on or around XX/XX/XXXX. My acct was first provided a proper credit to the card for the charges disputed. They sent a questionnaire via mail that I returned promptly. It was supposed to come with a self addressed envelope, but none was provided. Less than a month later I received a biased response towards XXXX as my credit was taken back simply by XXXX saying the hotel was fine when they weren't the the there. XXXX was wanting impossible requests from me as they wanted a second opinion from another business stating how services or products were defective. How can anyone judge a service or product without experiencing it? This would create legal problems for another company. Capitol continues to ask for this thru out the follow up questions. This is heavily biased questioning as they will take XXXX at their word knowing they are not on site and I'm supposed to get a second opinion. A Capitol One customer service agent admitted on the phone today before writing this complaint the second opinion was unnecessary and obviously unobtainable. Correspondence went back and forth between us and Capitol One and they claimed to be communicating with XXXX. Service was already used so I'm not sure why the cancelation was so important, but I provided everything I was given. I provided them a well thought out reasonable explanation with adequate proof to approve my claim. I faxed my last response to Capitol One on XX/XX/XXXX. I had to fax it again as my info from Capitol One did not include an envelope as indicated. Seems like they are trying to make it difficult for a person on XXXX XXXX to file a dispute. I particular think this as when I faxed my info on XX/XX/XXXX it was hardly 24 hrs later that my claim was closed for vague reasons. It also stated my credit was taken back. It's not even signed by anyone. Customer Service at Capitol One seem completely naive to the complaint and can't explain anything.
Consumer complaint received 2019-12-13
Product: Credit card or prepaid 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 (FL)

I have been using Care Credit for my XXXX bills for a number of years. The last time was XX/XX/2016 for {$2600.00}. I paid in the six months allowed without interest. I just had a XXXX XXXX in XXXX and the bill was {$2500.00}. The first bill was {$500.00} and Care Credit took it no problem, but when I went to put the balance of {$1900.00} on the card, it was refused. They had lowered my credit to {$1000.00}, not the original {$3000.00} they had given me. When I called and asked why, they said that I should have been sent a letter. I wasn't. They could not determine a reason. My last bill had been paid timely and my credit score is over 800. Then I reasoned, my age. The person I spoke to never acknowledged a reason. I will be XXXX next month. I put this charge on my regular credit card and sent a check for the {$1900.00} getting {$20.00} in reward points.
Consumer complaint received 2021-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (TX)

I opened a checking and a saving account at citibank in XX/XX/XXXX and funded both accounts. With no explanation or communication, citi blocked my access to my funds. After numerous calls, the reason ( still not made clear to me ) is they speculated there's some sort of fraud associated with how the account application was from two addresses. I receive mail at two homes, which can not be that uncommon. 

I've spent HOURS and called citi over two dozen times in the past 6 months, trying to satisfy odd requests for documentation, receiving no communication whatsoever from citi after their review of the documentation. 

Finally, on XX/XX/XXXX I again called and was told " the accounts were being processed for closure. '' I confirmed that the check was to be mailed to one of my addresses. On XX/XX/XXXX having not received the check I called again and was then told it might take up to 30 days to receive the check. 

On XX/XX/XXXX, I called again and was told the accounts were STILL being processed for closure, but now they told me it would take 30 to 60 days! 

It is XX/XX/XXXX and now over 60 days from when they said they were closing the accounts and still I have no check. The accounts are still blocked. The funds are still in the accounts and I can not get access to my own money. It is tantamount to theft that citi has MY money and will not release it.
Consumer complaint received 2019-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I received an alert from my credit monitoring service that I have a 30 day late payment being reported to all three credit reporting agencies ( Experian, XXXX and XXXX ) by XXXX XXXX XXXX from XX/XX/2019. I have never been 30 days late with this company as long as I've had an account with them so I immediately contacted XXXX XXXX XXXX to clear this matter up and they sent me a Credit Reference Letter onXX/XX/2019 which shows I have a stellar payment history with no late payment history on my account. As a result of this erroneous information being reported, my credit scores have taken a major nose dive and my credit rating impacted. I am distraught and disappointed that the information hasn't been updated as stated by XXXX XXXX XXXX and I request 30 day late payment be removed immediately from my Experian, XXXX and XXXX file as it is inappropriate and inaccurate and it could also impact the excellent relationships I have with other creditors.
Consumer complaint received 2021-03-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Comerica (NV)

I found direct express page on tablet on XXXX upted from XXXX about will my check come normal regust direct deposit from a check be charged stop card shows card to open log into account card mine but I never askedpaper check sent direct express I stimulus payment declined not ready not approved I receive XXXX so I think someone stopped card switch a check shows calendar call first week then XXXX and I'm not getting 2 stimulus I don't know what to do so trying this
Consumer complaint received 2023-01-14
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation of section 807 15 usc 1692e false or misleading representations. The account is fraudulent or innacurate.

Violation of section 15 usc 1692c ( b ) communication with a person other than the consumer without the prior consent of the consumer or attorney.

Pursuant to Federal Law 15 U.S> Code 1692g Validation of debts, the debt collector must cease collection of any alleged debt owed until verification of the alleged debt or a copy of the judgement or the name and address of the original creditor. They have not provided me with any documentation as of yet, so I am demanding deletion of this account. 

This collection agency, XXXX XXXX XXXX, has no contractual agreement in place with me nor any type of permission to communicate with me, yet they are reporting on my consumer report which is a form of communication. This needs to be removed immediately. 


Sincerely, XXXX XXXX
Consumer complaint received 2021-12-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc. (FL)

I requested validation from this company to prove I owe a debt they have been contacting me about. I requested they provide validation NOT verification. I requested proof that they have a right to collect a debt from me, I requested the appropriate balances and fees and a contract bearing my signature to prove the debt is mine. The company has mailed me a letter that appears to be typed because the names do not match, they are spelled incorrectly and most importantly the letter is in VIOLATION OF HIPPA. This company has listed medical procedures/ operations performed which is a violation of HIPPA . I request this company cease reporting to the credit bureaus immediately and provide proof that they will cease reporting to the credit bureau or I will be taking legal actions against this crime.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

After reviewing my credit report, I spotted some inaccurate late payment accounts that need reporting and correction through your company. 

I attached on this complaint the PDF copy of the dispute letters I sent to the involved Bureaus. I also sent them my personal documents.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 4. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 5. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 6. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 12. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Consumer complaint received 2024-01-05
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: Experian Information Solutions Inc. (NC)

Upon checking on my credit report, I spotted some inaccurate and fraudulent inquiries that need reporting and correction through your company. 

Please see the attached PDF file on this complaint. I sent my dispute letters to the Bureaus and still not getting any results
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2021-12-31
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. (MI)

I have been in contact with XXXX since XXXX regarding an account being past due on my Transunion credit report. They email me and state the account doesnt match my name so then i send this to transunion they wont fix my credit report even after showing proof. Then XXXX  states they cant talk to me this acoount dont belong to me but yet wont correct my credit report
Consumer complaint received 2021-07-04
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BMW Financial Services NA, LLC (CA)

On or about XX/XX/2021, i leased a XXXX XXXX XXXX. 
The sticker advertisement on this car advertised that the car provides for 75MPGa, see attached as a true and correct copy of this advertisement by BMW which also list the VIN of the car leased to me. 
Subsequent to this BMW 's advertisement, i : leased the car.

Within a few days, i : noticed that BMW 's advertised 75MPGa is completely false and i : do not even get half of that.

In good terms, i : first contacted the dealer, i : was told i : should contact BMW headquarters, which i : did, see attached a copy of this email communications with BMWs agents.

In short, BMW 's management denied compensating me for my losses due to false BMW 's advertisement that the car delivers 75MPGa when it clearly does not by BMW 's own admission later on upon diagnosis at BMW.

Since i : have been severely economically and emotionally damaged as a direct and proximate result of utter false BMW 's advertisement that the car i : leased has 75MPGa consumption when it clearly does not, i : am demanding that BMW compensate me for my economic losses. 
BMW has agreed with me that they cheated me, but they do not provide any remedy to me for cheating me -- misrepresenting that the car get 75MPGa, when it does not get even half of that i : researched the law and found out the standard for fraud is 3X the amount of the fraud and i : keep the car, the car 's value is about {$50000.00} times 3 makes it {$150000.00} plus title ownership change to me.

Please fee free to call, mail or email me with any questions that you have.
Consumer complaint received 2021-07-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA (NC)

I am a small business recipient of the PPP service. I open this account for purposes of receiving the funds since at the time my bank did not recieve PPP loans ( someone advised me to use Marcus Bank instead of getting the PPP prepaid card ). I recieved my deposit which took almost 2 months for me to recieve which has already caused financial issues for me on top of the pandemic. XX/XX/XXXX recieved my {$7500.00} deposit, same day I sent {$500.00} to my external account which is attached via Plaid to my Marcus Account. Hours later I recieved a call but the call didn't come to my cell phone on file It seemed to have went to my alternative number in which I never gave them. That number is attached to my external account, which I the only reason I knew they called because that number sends me a Email notification. On the call it's stated to me that my account will be closed with no explanation. Of course I was mad and frustrated about this BUT then when I asked how will I get my funds the REAL problem began. I was told that my funds will have to go back to my lender ( same lender It just took me a month in a half to get a resolution with to get my funds ). So I have found YOUR COMPANY IS VIOLATING ITS OWN CONTRACT. Per MARCUS DEPOSIT AGREEMENT *effective XXXX XXXX, YOUR company per section VI.Your Account ( bullet point 9 ) states as follows : -- -- " If your Account has a balance when we close it, we will return the funds to you minus any applicable penalty, unless prohibited by law, by ACH Transfer or wire transfer ( with your authorization ), or by mailing you a check. '' -- -- With this being stated and your company not sending me my funds with either option, I am considering notifying police of theft from your company. Also I have been informed by legal consolation that while you all have my money illegally you are collecting interest illegally. This is also costing me with the government seeing that I have a time frame to apply for forgiveness of my loan In which your company is holding my funds. I called my lender and they stated your company should simply write a check. I was also deceived by your agents who I have recorded saying my account has been closed and from legal consultation they stated this can not be the case because if the account was CLOSED a check for the remaining balance is sent to the account holder. ( Me ) Again you all are violating your own contract costing me emotional and financial distress because of it. I also see that this is an ongoing complaint with your company on the XXXX site wish I had recognized that earlier would have just waited for my PPP debit card. But again you all are violating your own contract that we agreed upon. I need my money rent is due and bills need to be paid