davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I checked my business credit report and it shows that there are 2 capital one credit card accounts linked to my name but I only have one capital one business card. The account in question ending in XXXX is not mine. My capital one credit card balance is XXXX $ and they are saying its another card linked to my name that is not mines and considered identity fraud please have said account deleted from my business reports.
Consumer complaint received 2023-03-09
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. (MD)

Other consumer reporting agencies have already removed this incorrect information ( please see attachments ) from their reporting system. According to the Fair Credit Reporting Act, all reporting should be fair and accurate ; hence your company should also remove and block the items mentioned in the attached documents.
Consumer complaint received 2023-07-18
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: Affirm Holdings, Inc (FL)

I am writing to bring to your attention a matter regarding the violation of the Gramm-Leach-Bliley Act by the company Affirm. It has come to my attention that Affirm is not allowing me the right to opt out of disclosure, which is a direct violation of my privacy rights as outlined in the Act. 

According to the Gramm-Leach-Bliley Act, individuals have the right to control the disclosure of their personal financial information. This includes the right to choose whether or not their information is shared with third parties for marketing or other purposes. As a customer of Affirm, I should be granted the opportunity to exercise this right and opt out of such disclosures if I wish to do so. 

I kindly request that Affirm promptly rectify this situation and provide me with the necessary means to opt out of any and all disclosure of my personal financial information. Failure to comply with the requirements set forth by the Gramm-Leach-Bliley Act may result in legal action being taken against the company. 

I appreciate your attention and prompt action in resolving this matter. Please provide me with written confirmation once the necessary changes have been made to ensure compliance with the Act. Should you require any further information or clarification, please do not hesitate to contact me at [ your contact details ]. 

Thank you for your cooperation and understanding.
Consumer complaint received 2022-04-21
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. (MD)

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. XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX-Account number XXXX, XXXX XXXXXXXX XXXX- Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX-Account Number XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX-Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX-Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX-Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXAccount Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Has Violate 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 2023-07-19
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: Neon Newco Corporation (CA)

Brinks master card, netspend prepaid I bought multiple cards that I loaded with XXXX or even up to XXXX that I wasn't able to fully activate back in 2021 my car was stolen and some of the prepaid cards I bought not fully registered got stolen so thru out years I given up on my $ but now that I know u guys exist I need help now they tell me when I call they say that am not eligible but never given me a reason
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Re : Capital One preventing cardholders from transferring Venture X Rewards Card miles to affiliated partners with two-factor authentication error. According to threads on reddit.com, I am not alone and it has been happening for at least 6 months to multiple card holders. 

Capital One is preventing me from transferring earned miles to their affiliated travel partners. This is a clear violation of their obligation to card holders. 

*Two-Factor Authentication Error Loop* I am experiencing a two factor authentication " error loop '' that only accepts a mobile phone number as a way to authenticate. When I enter this information, it fails to perform the transfer every single time. I have been trying to do it for approximately 10 days now. 

*I Am Not Alone- This Is a Known Issue* My wife just obtained the same card and the same thing is happening to her account. 

I have called customer service. They assigned a case # a week ago. No resolution has taken place as of today 's date and based on postings to reddit.com this is happening frequently.
Consumer complaint received 2022-06-30
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2019-12-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (IN)

In early XXXX my dad directed me to obtain his home loan payoff with PHH Mortgage Services. I did so and obtained a payoff of {$7200.00} and set date for payoff was XX/XX/2019. Dad directed me as his power of attorney to pay the mortgage off with the pay off instruction. I went on XX/XX/2019 to my local credit union and did a wire transfer for {$7200.00} plus a {$20.00} fee for doing so. PHH mortgage services mistakenly applied the amount to the wrong account which was my personal account with them for my home, not my dad. I don't know how or why they did this my payoff is way higher than my dads home. I have contacted PHH mortgages and they have told me they are working on it but nearly two months later have not done so. They in fact are sending me default of loan letters for my dads property which is now my property. Can someone please help me with his complaint. PHH mortgages is not listening.
Consumer complaint received 2020-08-03
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. (NY)

I submitted a dispute letter regarding a late payment on XX/XX/2020. I then followed up with another letter XX/XX/2020 because I didn't recieve a response. To my knowledge, the company has 30 to 45 days to respond to my dispute. They are in clear violation of the fair credit reporting act. I understand that we are in difficult times but this account has to be corrected.
Consumer complaint received 2019-12-09
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 — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY (CA)

I have a target card. 
Problem 1 : After 2 months of having the account with target. I INFORMED THE TEAM MEMBER THAT I DONT GET MY MAIL ON TIME AND I HAVE A BUSY LIFE INPAY EVER BILL ON THE XXXX .... 
ID LIKE TO PAY EVERY MONTH ON THE XXXX AND WANTED TO KNOW IF IT WOULD BE CONSIDERED LATE. 

SHE SAID NO I WOULD BE FINE. 

Moving forward. I paid every month on the XXXX ... then in would see late fees. I would call in and tell them what I was told they would just waive the fee.. 

AT NO POINT DID ANOTHER TEAM MEMBER TELL ME NO YOU CANT PAY IT EVERY MONTH ON THE XXXX ITS LATE. 
OR YOU CAN CHANGE THE DUE DATE NOT UNTILL I SPOKE TO THE SUPERVISOR ON THE XXXX OF XXXX SHE REVIWED ..

AND INFORMED ME I HAVE LIKE 4 LATES THIS UPSETS ME WHAT WAS SO HARD ABOUT TELLING ME I in good faith paid my bill on the XXXX of every month ... I pay all my credit cards on that day. 
Not one person made it clear I wasnt doing it right untill recent. 


Problem 2 : A few months ago I had a prepaid card that I got my work pay check on. 
I used the prepay card to make 4 credit card payments. 
I had the funds in the account. 
The payments begin to be sent back. Because the prepaid card had a policy that you can use it as a point of sale but not to make payments. 
This was a simple mistake. 
I called target BEFORE the payment was sent back. 
BEFORE.. 
I ASKED WHAT I CAN DO .. I DONT WANT A RETUNED PAYMENT OR PENALTY.. 
THEY SAID JUST WAIT ... 

NOW EVERY MONTH WHEN I PAY MY CASH PAYMENT I NEED TO WAIT ALMOST 2 WEEKS TO RECEIVE THE AVAILABLE CREDIT. 

IM BEING PUNISHED FOR A ONE TIME ISSUE .. THAT I TRIED TO RESOLVE BEFORE IT BECAME AN ISSUE.
Consumer complaint received 2024-03-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: FIRST CITIZENS BANCSHARES, INC. (FL)

Today : XX/XX/XXXX. I called in, answered about XXXX questions to qualify me & they refused to update the address & phone number -- -this is IRA XXXX XXXX XXXX of mine -- a very lot. They refuse to not give me access or even a statement of balance for a CD that renews someday ( I can not tell when ), I regard this bank, CIT Bank, as a bunch of dishonest bankers. This bank is a Division of FIRST CITIZENS OF XXXX, CA. 

They are doing this on purpose to drag out & keep my money so they can earn extra interst on it when the account matures -- -by saying my address & phone number are " unqualified/unproven ''. 
Nothing but dishonest, disgusting bankers. 

The account number is XXXX. 
My CD expires XX/XX/XXXX -- it pays a below market rate of interest. 
I have been with this bank many, many years.
Consumer complaint received 2019-12-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (GA)

Part of the letter I sent to Wells Fargo Bank in an attempt to resolve the issue : I am writing to you regarding the above matter in which Wells Fargo Bank apparently held/diverted money I deposited into the account of XXXX a customer of Wells Fargo into Collection. The above {$1000.00} was purposely deposited into this account to be used to fund a youth sports team in my home country The XXXX who needed financial support to travel overseas for a competition. They needed help at the last minute because the funds they were expecting got entangled in the bureaucratic government web. I received a call from the team leadership frantically asking for my temporary support until they can get things hatched out. The team was set to travel within a few days. 
Out of love for my country and concern for the youth who would have been devasted had the trip been canceled, I asked for an account in which to deposit the funds through XXXX. The account number of XXXX was given to me by one of the teams managers and we tried to reach out to him to verify details. Once I was given the green light, I disbursed funds from my own account at XXXX  as you already know putting on hold a very important project I was working on. 

It turned that the account holderXXXX owed Wells Fargo some overdraft fees in excess of {$1000.00} and that the account was either suspended or closed. For Wells Fargo to have total disregard of my situation and hold on to these funds because they were deposited into a closed account or one in Collection shows the type of corporation Wells Fargo is. It is illegal to hold my money hostage in a dispute that doesnt involve me. Wells Fargo doesnt have a very reputable name in the public domain and I intend to send my complaint to a reputable news outlet if this situation isnt amicably resolved within 30 days of this letter. {$1000.00} is a lot of money and it was through hard work that I got this money.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CA)

American Express is practicing unlawful business by closing accounts ( 20 years or longer ) when the customer is still making payments. They closed both accounts that I am still sending payments, not as they want me to, but still making some payments. Due to the hardship of the kidnapping of my child onXX/XX/, I was in very bad XXXX and unable to work due to this tragedy. I got a little behind on my payments but continue to pay some on both cards but they closed the accounts and ruined my credit score. I called them 3 times trying to get them to open my account and lower the interest/payment until Im able to retake my job and pay the set amounts but they refuse to help me. They sent me to a debt relief agency that claims to be part of Amex but still refuses to lower my payments. Now Im concerned that they will get a judgment against me but I m still making payments. They are taking advantage of customers that unknowingly and unaware of their practices signed a power of attorney giving up our rights as consumers which is illegal. 
They are refusing to provide me with the original signed application and a hard copy of my signature with full disclosure of their fees etc. They raised my interest to almost double to make it harder to even afford the minimum payment now. 
I need to have them remove the closing of my account /charged off because it really hits my credit score negatively and I won't be able to even rent a place. Please help us and protect us from their bad practices and scheme to deceive the consumers. They closed the accounts and transfer me to collections ( sold the debt ) when Im still making the payments last month. Both cards one ending in # XXXX ( XXXX XXXX ) and XXXX XXXX
Consumer complaint received 2019-12-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (VA)

Item was disputed on Credit Report since XX/XX/2019. The item is not my account. I do have an account with this credit and I haven't open an account with this credit. 

I have asked the credit bureaus to investigate the item and company and the credit bureau will not provide written documentation or proof of a contract to me to proved that I have an account or open an account or have association with one of the company 's associated businesses. 

I have contacted the company, personally, and they will not send the documentation and they will not removed the item from my XXXX and XXXX Credit Bureau Reports.
Consumer complaint received 2019-12-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ZWICKER & ASSOCIATES (KS)

XX/XX/XXXX I lost my job, my house flooded, and my truck blew up. I had a XXXX card that had crawled up to {$13000.00} over the prior years and they increased my interest to 29 % and my payments were not able to even cover interest. I contacted a financial advisor, XXXX, and signed a POA and was told to stop paying on the card so we could settle the card. 

The card was eventually turned over to Zwicker & Associates XX/XX/XXXX. At that point XXXX began working the Zwicker when she was able to reach them. Many, many messages were left. I believe she also text them, but they don't answer the phones ( I have tried to call them myself! ) They did call XXXX to discuss settlement, but even after reaching an agreement they again were impossible to reach. During at least one of the conversations with Zwicker they were informed that I had moved to XXXX. XX/XX/XXXX they filed a Summons in XXXX County, XXXX and XXXX again tried contacting them to request the copy of the agreed upon settlement that had never arrived to XXXX or myself. After leaving daily messages for many days she was never called back. XX/XX/XXXX a Notice of Entry for {$15000.00} was filed with the Court. XXXX again tried contacting as we were still attempting to reach them, but they were not answering phones, not replying to messages sent. 

XXXX finally got after XXXX Legal to retract the judgement as I was not in the State of XXXX and that should have never been filed. XXXX Legal retained another firm for the State of XXXX  and they pulled a copy of the XXXX Judgment and said they could not do anything as they do not practice in XXXX. 

XXXX legal has reached a settlement agreement with me at this time, however, they can not seem to get Zwicker to retract the judgement either as we have been waiting 2 weeks already and we Still can not reach Zwicker. 

Their behavior is rude when you are lucky enough to reach them, they are practing unethical practices, and when informed that I was not in the State of XXXX, that I had to move to XXXX  to take care of a parent on XXXX they even illegally served and filed papers.
Consumer complaint received 2022-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

This is my 3rd attempt at resolution with Chase Bank. PLEASE DO NOT MARK THIS A DUPLICATE! Its not a duplicate, it is a response to the lies in Chase banks response! 
I have never heard of XXXX XXXX nor is she my attorney. I could not find her to reach this illusive response letter they sent out. From what I can tell WE THE PEOPLE are preyed upon by large corporations like Chase, XXXX XXXX, and the 3 credit bureaus who have this unlimited power over our lives and they have no regard for who they trample over. Who they destroy! Im living in sheer XXXX, my identity was stolen thanks to the XXXX data breach and did I get compensated or relief NO! In fact all 3 agencies have refused to delete the fraudulent accounts just like Chase bank refusing to refund OBVIOUS FRAUD!!! I have been financially devastated and its difficult for me to get up every day and continue to fight this. My credit has been destroyed and I cant get an apartment or a car! This is absolutely an unjust system. The banks get bailed out but not us!
Consumer complaint received 2019-08-01
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. (NY)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2019-12-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lendmark Financial Services (SC)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

To Whom It May Concern, I am writing to formally dispute the inaccurate information on my credit report, specifically concerning my Bank of America credit account. Upon reviewing my credit reports, I have identified several inaccuracies that violate the Fair Credit Reporting Act ( FCRA ). I am committed to resolving this matter amicably, but if necessary, I am prepared to escalate this issue to the attorney general of my state for further investigation. 
The inaccuracies are as follows : * Bank of America, as reported to XXXX, indicates an open account on XX/XX/XXXX, closed and paid on XX/XX/XXXX, with the last payment made on XX/XX/XXXX, and a 30-day late payment. This is misleading and inaccurate. 
* Bank of America, as reported to XXXX, shows last payment on XX/XX/XXXX, a XXXX late. The account closed on XX/XX/XXXX. This information is incorrect and unfairly represents my payment history. 
* Bank of America, as reported to XXXX, suggests an open account on XX/XX/XXXX, closed and paid on XX/XX/XXXX, with the last payment made on XX/XX/XXXX, accompanied by a XXXX late payment. This is inconsistent with my actual payment history.