davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am a XXXX  CREDIT CARDS NEW CUSTOMER. I opened the credit card account with CAPITAL ONE in XX/XX/2020 and now it is XX/XX/2020. I make my FIRST on time payment with the minimum amount and nicely ask for a fee waiver of {$8.00} when I realize I am being charged that amount in interest fees for not paying a much higher amount or pay in full. This is only 3 days after my payment. I say to them that this blew me off since Im a new customer and my account has not been in delinquent state. My request was DENIED, when the reason of my call was to pay my balance of {$460.00} in full. I do not understand the why CAPITAL ONE has an ESCALATION department when they dont help the customer. I mean what are they getting paid for? To make the bank loose money and customers? Clearly I am not rich and if Im taking of my time to go through all these departments is because I need those {$8.00} dollars back. I work very hard to give my money away like that. I ended up closing my account because I didnt like the way I was treated by first, associate ( who seemed to take the situation personal and almost hang up the phone on face ), then supervisor ( who lied to me, saying that there was no other department that I could seal to being the fact that I was upset ) and then the escalation department ( who also seemed to take the situation very personal when I asked to speak to someone above her ). Its crazy how the this bank handles their business. I mean they prefer their clients going into debt collections, credit history downfalls, company reputation for not issuing a refund to a customer thats asking to make payment in full to their first balance. Its crazy how some people are being hired and wont help clients build a good and healthy credit relationship and history I mean all I was trying to do was pay up my debt before more interest gets accumulated. UNBELIEVABLE the training these people are receiving up in Florida. 

Attached is a picture of of account and the interest charged right after my payment. I also have the audio of the phone calls I made to Capital One today and all the times I was told NO for an answer and I was not listened because, Why would they pay attention to me when their answer is a Default. Because according to them, they cant waive a fee that has been waived to me in the past with Capital One itself at the supervisors discretion. The typical answer that is so overrated that the their system doesnt allow them to waive a fee, when I know is a lie and I tell them that Im the audio. Capital One itself rules that fees can be waived at their discretion. 


This is the agent I spoke to from the Escalation Department. 

XXXX XXXX Florida The supervisors ID is XXXX, also located in Florida.
Consumer complaint received 2024-02-25
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. (DC)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2022-12-30
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: EQUIFAX, INC. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2020-03-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: ENOVA INTERNATIONAL, INC. (CA)

Cash Net USA claims they made a loan to me and deposited to my XXXX XXXX. I never got the money on my bank which is XXXX  XXXX XXXX. Any way they have been trying to withdraw the money last week every single day and for the reason XXXX  XXXX XXXX cancel my card. I told this people to send me proof of debt verification but they haven provided and they been calling me like 3 times a day to my cellphone and including my employer number. They haven provided proof of debt verification where they have 30 days to do so because I told them I am disputing such debt. I never got such money on my XXXX XXXX bank. They have fail. I told them via text message and phone to Stop all communications and to communicate to via email to the address they have on file. They have fail. So I want you to contact them and tell to stop and XXXX   balance otherwise you may impose a fine for violating consumer laws which as debt protection laws and other regulations enforced by the Federal Government. Thank You. XXXX XXXX.
Consumer complaint received 2021-06-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I work for a XXXX XXXX  in Massachusetts. During this so called pandemic our politicians have shut down the country. As a result my institution had a mandatory furlough that all employees had to do. At this time I had to collect unemployment for the time I was not working due to the pandemic. At the time that I had to furlough I applied for unemployment but did not receive any funds. As a result I fell behind on one of my credit card by 2 payments for Bank of America. My balance on the card was XXXX and on the third payment I put XXXX on the card, which is almost 50 % of the balance. I was told that my account was closed. As a result this was reported to the credit bureau which in turn affected the balances of my other cards such as my home depot card credit limit and thus my credit score. I asked if I could be given some consideration due to the fact that this was caused by the pandemic and the inability to work. I was told there was no accommodation for that. I still have not received my unemployment benefits for the time I was furloughed in XXXX for the furlough I did by the Massachusetts Unemployment Department. I have called over 30 times, along with my Governor, Senator and Congressman and nothing has been done. How do politicians close the country down and refuse to pay benefits then feel it's fair to destroy everyone 's credit in the process? This is absolutely disgusting that the taxpayers are periodically asked to bail the banks out but the banks have no consideration for the tax payers, this just reveals the level of corruption taking place.
Consumer complaint received 2020-03-19
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: Experian Information Solutions Inc. (WA)

Exprian has disregarded my attempts to correct my report, ive paid off all of my credit cards in full and spoke with the company an verified that they have reported it to exprian, upon opening a dispute i called an was hastly told there is nothing i can do and that it will update when it updates, this was extremely unprofessional and rude. 
The same day i received a email saying the accounts were verified with my card company and that the reports will stay the same that is simple not yhe truth.
Consumer complaint received 2020-03-19
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: REVERSE MORTGAGE INVESTMENT TR (CA)

Reverse Mortgage Funding LLC. 
Reverse Mortgage Servicing Department Complaints Management XXXX. XXXX. XXXX XXXX  XXXX XXXX, TX, XXXX Re.. XXXX XXXX for XXXX XXXX XXXX Property address.. XXXX XXXX XXXX, XXXX XXXX XXXX CA, XXXX Loan # .. XXXX I received the company 's response ( see attached letter ) to the complaint I filed with your agency ( case # CFPB XXXX ). The only issue that was addressed, straightforward, was the dollar amount that would be given to me if all of the DIL of foreclosure requirements were met. The other questions I have were not answered directly. Again, the company decided to quote me their ( blanket ) answer ; which is to repeat policy only. 

I attempted to contact the individual who signed the response letter, using the telephone number provided. And, once again, I was placed on a lengthy hold and answered by a representative who informed me that ; the Complaints Management Dpt. is an internal department only. The customer and the representative is unable to contact them. All she could do was document my concerns. 

On XX/XX/XXXX, I telephoned your agency ( CFPB ) and spoke with an agent. It was suggested that I file another separate complaint to address the issue of not being able to not speak to the individuals in the company who could answer my questions. It should not be this difficult to get the answers I need to make decisions in this matter. 

I need a contact number and name of an individual I can speak with who can answer my questions. Straightforward. No run-runarounds. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-01
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: MoneyLion Inc. (GA)

I paid off a loan in XX/XX/2019 # XXXX, Money Lion payment processing generated me a paid in full statement. Months later I'm reported as 30 days late because they had issues with there payment processing. XXXX  and I called Money Lion amd spoke to a representative in XXXX paid this loan in full and was assured they would remove the false 30 day late payment. Now again I took out and paid in total another loan. On my dispute old information has been transferred from XXXX to XXXX ( in my dispute XXXX  # XXXX - There was never a late payment on either loan. Both loans was paid in full before the due dates.
Consumer complaint received 2021-06-18
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)

I mailed you a letter disputing inaccurate information on my credit report over a month ago and in response I received a letter from Bureau firm stating the ID I submitted was insufficient to verify my address and identity.

I demand that they examine the enclosed documents more carefully this time. I have also included my original letter for your convenience. Second time I sent disputing letter to Bureau and received no response.

They have sent me a letter that indicates WRONG DATE on this account, not the same as what it shows on my report. Besides that I strongly believe this account is Mistaken Identity. 

XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report.
Consumer complaint received 2022-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-07-13
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: Experian Information Solutions Inc. (CA)

When I investigated my credit report upon securing an updated copy, I realized that some of the information are still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Per FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$410.00} XXXX  XXXX XXXX Balance Owed : {$750.00} XXXX XXXXXXXX Balance Owed : {$760.00} XXXX  XXXX XXXX Balance Owed : {$600.00}
Consumer complaint received 2022-12-30
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

on XX/XX/XXXX XXXX closed my account without reason affecting muy credit score on XX/XX/XXXX XXXX XXXX closed my account without any reason on XX/XX/XXXX best buy/cbna closed my account without reason due the bureau credits send the order on XX/XX/XXXXXXXX XXXX XXXX closed my account without a reason All those account closed in my credit bureau with the remarked " CANCELED BY XXXX XXXX '' affected my credit report in a really bad way, my credit score still been affected because every time that i paid they reduce my credit limit and also closed accounts without any reason
Consumer complaint received 2020-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (MD)

We contacted Chase because of a lost job and difficulty paying the bill. It wasn't actually Chase as it turns out, it was a collection agency, however this was not disclosed. They set up what they called an " installment '' loan. They indicated that if we paid {$130.00} per month till the card was paid off they would not charge additional fees and interest. We set up automated payments, and paid {$130.00} a month for many years. We have a bank statement verifying that no payments were missed ( attached ). When the bills just kept coming and coming we called to find out why. They said that we missed a payment so they cancelled the installment loan. An account of all payments was requested from " Chase '' ( actually a collection agency representing them ), and we requested they send it to the mailing address on file ( not the PO box ), and the address was confirmed. We requested they stop sending mail to the PO box as we never authorized that the address be changed ( this resulted in us not receiving bills for many months ). We know that this account has been overpaid. We need to see an account of all that was paid as it appears they have over-billed and currently we are owed a refund. We believe we were deceived.
Consumer complaint received 2020-03-18
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: Bread Financial Holdings, Inc. (CA)

On or around XX/XX/2020 I apply for a diamond card account with Comenity capital bank application number XXXX was denied because according to XXXX XXXX my credit score is XXXX which is wrong information try to reach out to company but they won't resolve my issue they have inaccurate information with my score they won't let me review it or resolve it I never gave permission for XXXX XXXX to have my information I got denied credit base on their incorrect information
Consumer complaint received 2024-01-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (GA)

I have been a loyal customer with Truist ( formerly BB & T ) Bank for over 20 Years. 2023 was an exceptionally rough year financially for me but Truist capitalized off of my unfortunate situation. Below are the dates that overdraft fees were taken from my account in 2023. 
OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} These total {$750.00}. I did not expect a full refund but did reach out to ask if a portion of the aforementioned overdraft fees could be refunded and was told I was allowed XXXX overdraft fee credit of {$36.00}. I will be switching banks within the next few months as there are so many " fee-free '' banks out there. This is beyond frustrating and honestly shows such lack of care.
Consumer complaint received 2023-02-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. ()

In accordance with the Fair Credit Reporting act. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

UNKNOWN ACCOUNT # XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

On XX/XX/2019- we paid county taxes for {$2100.00}. We did not realize that county taxes are paid by our escrow account. Our escrow account/mortgage company, Mr. Cooper again paid the same county taxes that we already paid for on XX/XX/2019. We contacted Mr Cooper and they contacted the city and they issued a refund to the overpayment from our escrow account to Mr. Cooper on XX/XX/2019. The check was received and cashed by Mr. Cooper. However, Mr. Cooper never put that refund back into our escrow account. The funds are now missing and we've called Mr. Cooper several times and we got a turnaround. We've been in contact with someone from Mr. Cooper but she hasn't gotten us an definite answer. We don't know why they will not refund our overpayment back into our escrow account.