davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

He said hes from a collection agency and said i owe some debt, he basically put interest in all my assent from my car payment, my mortgage my utilities. Basically everything I own. Now I found out hes been going into my bank account and withdrawing large sums of money. Taking out loans and all of my direct deposits from my irs refunds. And taking out escrows from my house trying to put my mortgage into default with use of authority and extortions.
Consumer complaint received 2022-04-16
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

My account was closed without no reason. Account was closed XX/XX/22 ( Synchrony/Rooms2Go ) which after calling company, they say it was closed because they monitor credit report. They are saying they are getting information from XXXX but after checking myXXXX credit score, the organization is telling me that my credit score was low. After checking, my credit score was and is XXXX. When trying to explain this, the supervisor proceeds to be very aggressive and vulgar with me and my spouse. We are requesting for this company to be investigated for there practices which we are possibly not the only ones that dealing with this problem.
Consumer complaint received 2022-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital one venture XXXX approve me for a card where if I spend {$10000.00} you get 100,000 points. I used it once, tried to use it a third time and couldnt. Without notice the card was frozen. No email nor text or call was made to informs me. I called them and it was stated that they need to see three months of my bank statements. Then they immEdiately added a {$390.00} annual fee to a card I had to access to. I immediately sent the statement and they did not check it for weeks. I called several times checking the status and seeing if they can extend my 6 months since I couldnt use the card. Finally after the month they called and said I could use it. Once I asked about extending the time. They said it would take 10-14 days to see if that can be approved. By then the first payment is due with the annual fee. Its criminal..
Consumer complaint received 2022-04-17
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: Experian Information Solutions Inc. (PA)

I consumer XXXX XXXX have attempted to have personal information and fraudulent inquires removed from my credit report. Experian continues to report fraudulent inquiries and incorrect personal information on my credit report with no proof of investigation. I am aware that as a consumer I have the right to have these items deleted and blocked from my credit report. Not only are my rights being violated but my character is also being defamed.
Consumer complaint received 2022-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act convergent account XXXX account number XXXX, XXXX account number XXXX, XXXX XXXX account number XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have rights 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 2024-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to bring to your attention a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by XXXX Account # XXXX. In accordance with the FCRA, specifically 15 U.S.C. 1681, I believe my rights have been infringed upon as follows : Right to Privacy : As per 15 U.S.C. 1681a, I am entitled to privacy regarding my credit information. However, I have reason to believe that XXXX Account # XXXX has mishandled my personal information in violation of this provision. Despite my expectation of privacy, my credit information has been improperly handled or disclosed. Failure to Obtain Written Instructions : According to 15 U.S.C. 1681b, Section 604, a consumer reporting agency such as XXXX Account # XXXX is prohibited from furnishing credit information without my written instructions. It has come to my attention that XXXX has reported information about my account without obtaining such instructions from me, thereby violating this section of the FCRA. I am deeply concerned about these violations and the potential impact they may have on my financial standing and reputation. I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against XXXX Account # XXXX to ensure compliance with the FCRA XXXX Enclosed with this letter, please find copies of relevant documentation supporting my claim, including credit reports, correspondence with XXXX Account # XXXX, and any other pertinent information. I appreciate your attention to this matter and look forward to a prompt resolution. Should you require any further information or clarification, please do not hesitate to contact me at the above-listed contact information.
Consumer complaint received 2022-04-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have called XXXX numerous times in XXXX XXXX XXXX XXXX XXXX and XXXX and now its XXXX I sent them a certified receipt requested return receipt requested with my complaint one dollar delinquency reported to all three of the following XXXX XXXX reporting agencies also I have collateral damages from this lowered my beacon score my credit score of my FICO score XXXX points however I went to apply for a loan this week for a new car much higher rate of interest because theyre showing the account is delinquent one dollar which was paid in resolved calls agreed to delete it still remains on the Credit Bural report and no response from them for six months even given them a certified receipt
Consumer complaint received 2022-04-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Foris DAX, Inc. (TX)

On XX/XX/2022, I added {$32.00} to my prepaid visa card that was issued to me by Crypto.com and they immediately " blocked '' me access from the funds and the card. I've reached out to them and they are demanding I take a selfie while holding my primary card from my main financial institution. 
There wasn't an issue with adding funds to the prepaid card previously and there wasn't an issue with buying {$100.00} worth of XXXX XXXX from Crypto.com and now they want me to send pictures of myself and pictures of my credit & debit cards.
Consumer complaint received 2022-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

In accordance with the fair credit act this account violated my rights XXXX  # XXXX 15 U.S.C section 1681 section 602 states i have the right to privacy also states a consumer and reporting agency can not furnish an account without written instructions.
Consumer complaint received 2022-04-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (NV)

XX/XX/XXXX U.S. Bank failed to honor its letter acknowledging a stop payment on a check, via bill-pay, dated XX/XX/XXXX. They honored the check for {$2100.00} anyway on XX/XX/XXXX. 

Background : I retired at the end of last year and, as a result, filed to modify the spousal support orders issued in XXXX. The court date was set for XX/XX/XXXX, so I held back payment for XXXX until we learned of the amount change. However, at one point my ex-wifes attorney ask for a postponement due to his scheduled XXXX, so in good faith I sent the check to cover XXXX. Shortly after the attorneys XXXX was canceled and we were back on for XXXX, so I notified the US Bank requesting a stop payment. I received a written acknowledgement of the stop payment action on XXXX. 

My ex-wife presented the check knowing full well that the payment was invalidated by court order since we executed a buyout for $ XXXX and no more support was due effective XXXX. This is stipulated in the orders! She was wrong, but the bank honored the check and deducted the amount from my checking account resulting in an overdraft situation. 

After 2 calls they have been of no help... telling me I have to take it up with her!! I have been with this bank for many years, but I feel I can no longer trust them!! If the funds are not returned to me either voluntarily from her or by bank action, I will take both to small claims court.
Consumer complaint received 2022-04-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. When I did not receive a response I sent a a second letter and again still did not get a response. I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request.
Consumer complaint received 2022-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (GA)

Hello, XXXX or whatever your name is. You seem confused so let me re-iterate. I informed you that your company illegally refused to close a fraudulently opened account without illegally forcing me to agree to terms I was not subject to. Since you are relaunching a fraud investigation but also refuse to log this illegal behavior by your company let me help you. I have reported your company 's illegal action to the DOJ as well asthe State AG + office of Consumer Complaint Department of New York. 

Oh and since it's already logged you refuse to take accountability and I assume you personally already listened to the audio and have no problem with your employee 's illegal behavior it involved you too. I want to inform you I am asking now, in written form, which under Georgia law you have 30 days to reply to, for your insurers information. You have victimized me criminally and illegally neglected your companies fiduciary duty to me and I want to make a claim. You have 30 days to comply under Georgia State Law before I inform the Georgia State AG of you have refused to comply. 

Your company 's representatives have tortuously interfered with my ability to conduct business due to your illegal actions for which American Express is liable for and which I have laid out here. Your company Illegally intimidated and coerced me to agree to terms to terminate a fraudulently opened account in violations of your legal and fiduciary duty, for which your company is liable. 


Now again I informed your company of criminal behavior, Illegal on both state and federal level, XXXX XXXX and want to note now, you have obviously researched this and refuse to acknowledge it. Thank you for that confirmation. 

XXXX XXXX
Consumer complaint received 2015-06-29
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (LA)

I was charged a {$36.00} NSF charge for an item to posted and my account did not have an negative posted balance. I was told it was because I had items pending that is still pending as of today XXXX/XXXX/15 and the transaction posted to my account on XXXX/XXXX/15.
Consumer complaint received 2022-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I HAVE FRAUDULENT ACCOUNTS THAT ARE LISTED ON MY CONSUMER REPORT THAT I HAVE NEVER OPENED NOR SIGNED MY SIGNATURE FOR. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES
Consumer complaint received 2019-11-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (KY)

Trying to resolve extra {$290.00} I was charged in interest and late fees because Loan Co took 2 months in delaying accepting my full pay off of {$47000.00} on loan payoff in full. I have corresponded with the company since XX/XX/2019, my last correspondence was a call I made XXXX-19 to XXXX about a letter from the Loan Co dated XXXX-19 stating they would resolve the issued within 30 days in compliance with federal law. I still am not getting any resolution, correspondence or phone calls back from them.

I have called the company 11 times but never get any answers and calls are promised to go to supervisors expediting the complaint but I never receive any answers back.

Attaching copies of letters, ledgers and now 5 months trying to resolve the pay off issue but had to pay additional {$290.00} due to the companies delay in posting my payment.
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion has suspended my account multiple times not allowing me to manage my credit report freeze. The app that previously I was able to use to manage my credit report freezes now require a payment to use. I have called them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2022 and they have consistently failed to provide me the ability to unfreeze my credit report. They have prevented me from obtaining financing for a home once already and may prevent me from obtaining financing for yet another home.
Consumer complaint received 2022-04-16
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. (TN)

I HAVE FRAUDULENT ACCOUNTS THAT ARE LISTED ON MY CONSUMER REPORT THAT I HAVE NEVER OPENED NOR SIGNED MY SIGNATURE FOR. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES
Consumer complaint received 2022-04-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. When I did not receive a response I sent a a second letter and again still did not get a response. I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request.
Consumer complaint received 2022-04-16
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. (MI)

I HAVE FRAUDULENT ACCOUNTS THAT ARE LISTED ON MY CONSUMER REPORT THAT I HAVE NEVER OPENED NOR SIGNED MY SIGNATURE FOR. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES
Consumer complaint received 2022-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge 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 (CA)

Hello Folks, This started with a new employee who did not evidently use the Michael 's payment system correctly. I have a double billing of {$200.00}. I submitted the receipt and this is a no brainer double billing. 

SEE THE RESPONSE WHICH IS ONGOING : Capital One Home Need help? 

XXXX XXXX... XXXX Can not assist Sent from Capital One XXXX XXXX, 2022 Can not assist Added XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX, XXXX : XXXX : XXXX : XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Number : XXXX XXXX A XXXX, Here 's an update on your dispute with XXXX XXXX XXXX billed on XX/XX/2022 for $ XXXX.At that time we began an investigation into your dispute and requested information from you . While we have received your response to this request, it lacks all of the previously requested information needed to validate your dispute. 

Unfortunately, based on the information we have, we are unable to assist with your claim.If you still want to dispute the charge, please contact the merchant and work directly with them. At this time, we consider your case closed. We apologize for any inconvenience. If you have questions, please give us a call at XXXX. We're available from XXXX XXXX to XXXX XXXX ET.Sincerely, Capital OneTransaction Support Center XXXX Capital One. Capital One is a federally registered service mark. 

The following is what I sent to Capital One for Resulution of the same day double billing :
Consumer complaint received 2022-04-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. When I did not receive a response I sent a a second letter and again still did not get a response. I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request.
Consumer complaint received 2024-03-06
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. (GA)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX Equifax Dispute Department XXXX XXXX XXXX XXXX, GA XXXX XXXX : Request for Investigation of Unauthorized Credit Inquiry I request that you investigate the inquiries on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 

Thank you for your assistance in this matter, XXXX XXXX Thank you for your assistance in this matter, 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
Consumer complaint received 2022-04-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The credit bureaus have incorrectly labeled me or my credit disputes as fraudulent. It has been almost 3 months with no communication from the credit bureaus on the disputes that were submitted 3 months ago. 

Additionally, I have an excellent credit history which is not being reflecting in my credit score. I have been making timely payments to XXXX XXXX for several months now, with no updates to my credit score in the last 3 months.
Consumer complaint received 2022-04-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

In XX/XX/XXXX, I cahsed out a check {$3100.00} my friend gave to me one month ago at US bank XXXX XXXX and the check was bounced ( my friend forgot about the check ). I went to the same branch fixed it right away by depositing some cash and a new check XXXX given by the same friend and he was apologetic. I was told to wait meanwhile my account was on hold. The branch was trying to fix it with me to save my account telling me it should be fine by the next week. Weeks later, my account was under closure after I called the customer service. Meanwhile I emailed my account manager from the branch where I opened my account, US bank XXXX XXXX XXXX, in XXXX LA, and informed him about what happened and asked him to help me keep my account. I got no response. So I emailed the manager XXXX XXXX for help and no response. I had a direct deposit to this account for about {$900.00}, and I called the XXXX branch and I was told that if my account is closed and I should get a check fromt he bank after they close my account. It's been more than 2 months I've been waiting, a few weeks ago I called the XXXX branch again and they didn't see the check mailing out, so they asked me to contact my branch manager, XXXX XXXX. So I called XXXX branch and asked for XXXX XXXX 3 times and I was on hold for average 12 min on the phone and no response. So I rang XXXX XXXX XXXX asking for help cause I had not got any responses after I left him a few voice messages and emails. XXXX XXXX XXXX told me on the phone that my case went to fraud department and it was out of his hands, and I was asking which number I could call or any department I should contact about my check. He told me to get back to me and never did, I emailed him one last time in XXXX XXXX for the number he was going to give to me and no response. It's been 2.5 months and quite frustrating when no one respond, no one cares. I determined to close my account when dealing with a bank like this. I am still a credit card holder of this bank and the way they treat this case and their customer is just unreasonable and rude. I don't know why they keep ignoring this when the help is needed. Right now I intend to get my money back, since that's how they treat the customers, I would never have any business with a company like this, it is obsurd. Please help me to get them respond and send me my money remained in that account. 2.5 months, no responses, no explainations whatsoever. I don't know what they are doing, such a shame.