davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
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: Experian Information Solutions Inc. (TN)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I used the capital one ATM located inside the XXXX  XXXX capital one branch. I specifically went to the branch because the other Capital one ATMs located at XXXX  are notoriously difficult to use. Specially they spit out half the cash you deposit and you have to keep working to deposit it. 

On this day I deposited {$1500.00} in cash. The ATM showed the deposit as being {$580.00}. I immediately spoke to a capital one ambassador employee in the bank and informed him what happened. He told me to call customer service immediately and file a claim. I did so. I was told they would reconcile that ATMs funds, look at video footage ect. 

They have denied my claim twice. I went back to the bank branch where the employee remembered well what had happened. He tried to call the customer service line with me for almost 2 hours. He grew incredibly frustrated as the overseas customer service line kept dropping our calls, misunderstanding us, and refused to explain what they had done to research my claim. He told them repeatedly he was there during the incident and could vouch that it had happened. He called his own branch manager and all she could do was tell him to call customer service. 
He was as appalled as I am that capital one did not so their due diligence here. They did not contact him to verify my claim. Did not look at the video footage and it is impossible they reconciled the atm from that day as it contains {$1000.00} cash extra! 

Please help. I am a single mother and have a capital one checking account, 3 savings accounts there for my children and 2 credit cards w capital one. I can not believe that they can just so blatantly steal my money this way.
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXXXXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX
Consumer complaint received 2019-09-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc. (DE)

On XX/XX/18 I sent a letter to Receivables Management Systems with an attachment of what I think is in error of their amount due. Their bill is XXXX and I sent copies of bank clearing checks I sent to XXXX XXXX. I came up with owing {$54.00}. I do not ever recall my account going to collections while I continued to pay XXXX XXXX account.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

I have tried to get this information fixed on my account because it doesn't belong on there and the company still keeps it on there. Please get this information off of my account now. The accounts are : XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX , XXXX  XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX, XXXX XXXX via XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXThis is all that they have on my report and if I hadn't looked I would have not known that my credit report is a stowing place for junk.
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

In XXXX I reached to the credit bureaus Experian, XXXX and XXXX and public record was removed from my reports i have provided them with documentation showing that this public record was removed from XXXX  and not my other reports
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

on XX/XX/2021 address has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting incorrect is XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX this address is undeliverable by the US Postal Service AND SHOULD BE DELETED/REMOVED IMMEDIATLEY. 
to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of addresses that are reporting are not deliverable by us postal service and has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it. 
EQUIFAX, XXXX  AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XXXX I reached to the credit bureaus XXXX, TransUnion and XXXX and public record was removed from my reports i have provided them with documentation showing that this public record was removed from XXXX  and not my other reports
Consumer complaint received 2021-09-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

In the last week, I have had over 15 phone calls, all with voicemails, from capital one. I'm only about 17 days beyond the due date of the bill. I've also never missed a payment before. The reason for the tardiness is that I began a new job and haven't received my first paycheck yet. As soon as I do, they will get paid, as I've told them. I've also gotten texts and emails almost daily. This is harassment.
Consumer complaint received 2021-09-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America dispute department unable to investigate the claim in a professional manner. 
Re : XXXX XXXX entry of XX/XX/21 for {$110.00} on A/C ending on XXXX On XX/XX/21 I disputed the above charge that I never called them to place this order. XXXX arbitrarily debit my account for {$110.00} since they have the account on file from a purchase of {$39.00} that, I made couple years ago at XXXX XXXX. I closed the credit card to avoid any further entries and because BOA does not care to investigate properly. BOA claimed that XXXX sent the merchandise to XXXX XXXX XXXX XXXX XXXX FL XXXX address that the have on file from the last transaction that I did at XXXX XXXX. 

For various occasions I requested proof of my signature that I received the item. BOA unable to comply with that request. BOA kept sending me unprofessional, unsigned and pre-printing letters every time I make an inquiry. 
The dispute with BOA have bee a nightmare. BOA debit my account 3 times leaving a balance of {$110.00} as their merchant XXXX claimed that I received the merchandise. They debit on XXXX and XX/XX/21 plus they are charging me {$24.00} on top of it each month. Your attention is appreciate as there is no professional communication with Dispute Dept. I written twice to CEO Complaint Dept in XXXX NC to no avail. 
Please help me to reach out to BOA as they keep ignoring my request and they keeping charging my account. They lost a faithful and decent customer I been with them for several years, I pay me account in full every month with no issues. They don't care, they rather collaborate with XXXX. XXXX can be digging into people old file and passing a entry to satisfy their number. Nevertheless BOA can not investigate their bad conduct. I am a victim of a fraud from XXXX and BOA supporting a wrong doing. Thank you very much. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX phone # XXXX I am ready to mail correspondents if is needed.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I paid the settlement offers for both XX/XX/XXXX Reference No : XXXX ( Original Creditor : XX/XX/XXXXXXXX Account No : XXXX Balance : {$550.00} ) which was {$270.00} and XX/XX/XXXX Reference No. XXXX ( Account Summary Original Creditor : XX/XX/XXXXAccount No : XXXX Balance : {$500.00} ) and {$250.00}. 
I was told on a recorded call both debts would be deleted.
Consumer complaint received 2019-09-21
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. (OH)

I have a twin brother. Our names Are one letter apart and our social security numbers are one number apart, we have the same address date of birth etc, as most twins do. Recently I discovered Equifax had mixed our credit file so I attempted to file a dispute with them. I spoke with a representative and explain that my file got mixed with my twin brother. The representative assured me this was an easy fix. I outlined what elements of my credit file belong to me and which belonged to my brother. I even outlined the differences in our identifying information. However, when I received the status of my dispute I found that the problem had not been resolved and instead of separating our credit files I was just removed my name from the record. In fact in logging into my equifax I discovered my credit file and the dispute review were all made entirely in my brothers name!
Consumer complaint received 2019-09-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (MO)

XXXX hospital center never sent me a bill regarding the birth of my daughter on XX/XX/XXXX. Ever other bill was sent in a timely manor and paid by us in a timely manor ( anesthesia, pediatrics, etc ). As I continued to wait 6+ months for my bill I received a phone call from a collection agency. I reached out to XXXX XXXX and after being hung up on and transferred incorrectly, I was finally given a contact. She corrected their mistake and pulled the collection back. I started an auto draft monthly payment agreement with their servicer. Today ( 5 months of making payments on time including my last draft on XX/XX/19 ) I received a letter from medicredit that XXXX XXXX has send my account to collections AGAIN when I am in good standing making the agreed upon payments. I tried to reach out to the same contact as before and am getting my email kicked back. They are incorrectly sending accounts to collection and not sending bills. This happens to multiple people I know and has to stop. Having a collection account could cause me to lose my job. I do not have any account in collections and always pay my bills ok time.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-09-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (HI)

RE : XXXX - New pertinent info. 

On, or about XX/XX/21 I received an email from Comenity Capital Bank stating that they closed and charged-off my XXXX account then sold the fraudulent debt to XXXX XXXX XXXX XXXX XXXX XXXX despite ongoing litigation. 

On, or about XX/XX/21 I called XXXX XXXX XXXX XXXX XXXX, but the representative I spoke with said, XXXX was not in possession of the account at that time. So, I advised the representative to refuse the account once presented because it is a fraudulent and involved in ongoing litigation. And, if XXXX does take possession of the account, Im going to name XXXX XXXX XXXX XXXX XXXX as a defendant during litigation as well. 

On, or about XX/XX/21 I received an email from XXXX XXXX XXXX XXXX XXXX stating that they had purchased the fraudulent XXXX account from Comenity Capital Bank, despite our previous conversation. 


Comenity Capital Bank XXXX XXXX XXXX XXXX, OH XXXX XXXX
Consumer complaint received 2020-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have 3 credit cards with Capital One and through the pandemic have been assisting me with deferrals however I'm still in the hardship situation due to COVID 19 and they did continue to assist me with 2 of the credit cards but for an unexplainable reason as per a supervisor, they can not help me with one of the cards ending in XXXX. I need help. I still do not have income and my partner is in the same situation so We are seeking government assistance in order to have food.
Consumer complaint received 2023-05-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (SC)

I XXXX XXXX chime account ending XXXX was hack and card information was stolen The theft was able to make multiple transactions {$5400.00} was stolen from my account the theft was able to load there debit card to my account ending XXXX i have sent those document in to chime as the requested. i have been trying to gain access to my close account I have been close since XXXX XXXX i have told them that my card information and my account was hack in the theft was able to change my personal online information link there debit card without my authorization. They were able to steal {$5400.00} where my funds are. my account was closed due to the theft fraud My account loaded their bank card then removed their card from my account please help me get my {$5400.00} back. I have provided the theft bank card in a bank statement from the police.
Consumer complaint received 2021-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello I am a XXXX XXXX XXXX who has had an account with Bank of America for 4 years. Recently they have put holds on checks that I deposit for 7 business days. They never did this before and the checks are always from escrow companies and I have never deposited a check that has been returned. Holding my funds ( which are with in my normal deposit amounts ) affects my business and causes me to receive multiple {$35.00} dollar charges. What happens is I deposit the check at a branch, they say it will be available to cover charges the next day. I even look on my online account after the deposit a check and it says the same thing. Then what happens in the middle of the night is i get an email that says the check is going to be held for 7 business days because it might be returned. I believe this to be a tactic to set small business customers up to increase fees by misleading them that their funds will be available AND once the hold on you are hostage to Bank of America since it is possible to open an account at the bank check came from and have 1 day hold. This never use to be the case with Bank of America and the checks i deposit are always from an escrow company who use a large bank as their bank with in the United States. 

On XX/XX/XXXX at XXXX PST I called in to BofA business account phone number. I called because I saw a check I had issued had been debited out of my account and all looked fine until I got an email that it was going to be returned even though i had the funds ( i have a copy of it ). I was told that the 7 day business hold ( which is really 8 days because they tell you the following day early in the morning via email about the hold ) and told this to the first rep that i had the funds and it was still being returned ( i have electronic proof ). She puts me on hold, gets a manager and tells me the check WILL be paid and then credits my account {$35.00} for the overdraft fee and all is fine. Then a few hours later i look at my account and they returned the check to me! I call back and to no surprise i get a different answer, two BofA managers who tell me they can't do anything to help me and don't know why the associate would tell me that. its all recorded so i know my story is true and i have print outs of proof that these holds are for overdraft and return item fees.

One last note : When on hold there is a PR message about how Bank of America helps woman owned businesses and supports them. i am a minority and women owned business and i believe i am targeted because of my PPP loan application they know I'm 100 % women owned and minority. 

Another issue is that no one ever gives you the same information. You get a different answer on the phone each time and in person at a branch. I suspect they purposely have lack of training or not uniform training so as to mask the purpose of holding of deposits for the pure purpose of racking up overdraft fees.
Consumer complaint received 2021-09-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

Citizens Bank has been knowingly infringing upon my right to privacy by sharing my information with third parties when I NEVER gave them permissible purpose to do so. The accounts in dispute are a result of identity theft. These accounts do not belong to me, but were verified. It is impossible to verify these accounts on my behalf because I am the original creditor and consumer and I'm the only person who could verify any debt. Also, debt means any alleged obligation and we all know pursuant to 18 usc 8 all obligations are securities of the United States. I need to you to cease and desist all collection efforts or else I will be forced to litigate. You are criminally and civilly liable for infringing on my consumer rights pursuant to 15 usc 1611, 15 usc 1640, and 15 usc 1692k.
Consumer complaint received 2021-09-17
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

I have ask the investigation be properly conducted several times. XXXX owns the XXXX XXXX. The first letter I upload was the letter I received from XXXX stating my account was closed with no balance. The top letter and the XXXX XXXX is the same information, The have falsely reported I filed bankruptcy. The company also false reported a derogatory mark XX/XX/2021. I do not have this card I have not had the card since XXXX when they closed my account have I paid it off. The card number was XXXX. Experian never contacted XXXX during the investigation. Just closed my request for investigation. Sending me to a to a site experian.com/upload that does not accept the documents with case number. I was told to mail to their address. I received an alert today where they close the case less than 30 days. 

Attached documents 1. I have attached the letter from XXXX 2. My list of creditors I include on my bankruptcy excluding XXXX XXXX XXXX caredit card 3. Discharged documents
Consumer complaint received 2020-11-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

There are several inquires on my report that I do not recognize. They are from XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX mortgage service, XXXX, factual data, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX auto finance, XXXX Chicago/mo, XXXX XXXX, XXXX XXXX, XXXX na, XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, factual data, XX/XX/XXXX XX/XX/XXXX, XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX,XX/XX/XXXX factual data, XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXXXX/XX/XXXX,XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXXXXXX,