davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-30
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

On XXXX XXXX I attempted to exchange {$200.00} for XXXX pesos at Citibank at XXXX XXXX XXXX XXXX XXXX # XXXX None were available. I was to return the next day, XXXX XXXX, at which time I received an envelope with XXXX pesos, an appropriate amount. When I tried to use XXXX XXXX peso or XXXX XXXX peso notes in XXXX XXXX on my arrival on XXXX XXXX I was told by several merchants including my hotel that they were counterfeit. 

The reference # is XXXX # XXXX for Citi 's receipt of funds and customer confirmation. These funds were shipped by XXXX overnight to the branch XXXX. I am in possession of the counterfeit notes. I have not approached Citibank at this time.
Consumer complaint received 2023-01-13
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-06
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 (WA)

On XX/XX/XXXX I mistakenly sent a credit card ( # XXXX ) ACH overpayment of {$130000.00} from my checking account from financial institution XXXX to Bank of America ( XXXX ). Our intent was to pay off the balance. 

The bank continues to mispresent what the process is for returning this overpayment and by when. We have had several representatives tell us misinformation about escalation and indicate that someone would call us and never have. 

Bank of America is treating this electronic ACH transaction as a paper check transaction and is unlawfully holding my funding stating that they are waiting to see if the item gets returned. 

We have spoken to the FI on XX/XX/XXXX where the payment was pulled and they said the money has been transferred to Bank of America and there are no issues holding up funds. 

These funds are critical for the small business account that this payment originated. Holding on to this is impacting the long-term viability of this business. 

We have sent faxes and spoke with many reps and some with the ids of : XXXXXXXX XXXX 

This is an urgent matter to resolve. 

XXXX XXXX
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

In accordance to the Fair Credit Act. These creditors have violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on credit card account under an open consumer credit event as late for any purpose.
Consumer complaint received 2023-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (ME)

I consolidated my loans to work towards PSLF and they were transferred to MOHELA on XX/XX/XXXX. I received two separate notices from MOHELA on XX/XX/XXXX both claiming that my employers had not provided signatures or that the signatures were not in the proper form. In their communication, MOHELA did not identify which employers were the cause of the issue or what the proper signature format entailed but nonetheless directed me to go to my employers, obtain the proper signatures in the proper format, and resubmit. 

However, I had already checked on the possibility of PSLF with my old serviced ( FedLoan ) and the missing/improper signature was already a known issue for at least one employer. Thus, when I consolidated and resubmitted the PSLF paperwork I ticked the box indicating that I would have difficulty getting signatures/my employer would refuse to certify. This put the responsibility of obtaining the signature in the proper format on MOHELA. To my knowledge, MOHELA has not called any of my employers or requested any corroborating information ( paystubs, W2s, etc. ).

I would also like to add that it has taken MOHELA nearly nine months to even get this far ( a total of 272 days ). The process of checking for a wet-ink signature or appropriately formatted e-signature should only take a matter of seconds, even if done by hand and not using an automated system. Tracking down employers and getting them to submit proper signatures could take more time, but nothing anywhere near nine months. It is unclear if MOHELA did contact the employers but, assuming they did and the employers still did not submit a proper signature, that further implicates MOHELA in failing to follow Department of Education procedures for servicers of student loans. Borrowers should not be responsible for MOHELA 's failure to clearly communicate, nor should borrowers be expected to have any leverage over employers than MOHELA does. Indeed, because adverse interactions with HR can jeopardize further employment, borrowers have arguably much less leverage.
Consumer complaint received 2023-02-28
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: DISCOVER BANK (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report DISCOVER BANK XXXX Balance : {$3100.00}
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (SC)

I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. I demand the following accounts be verified or removed immediately. 

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 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 XXXX
Consumer complaint received 2023-01-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General, and FTC
Consumer complaint received 2023-03-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

Citizens cant make up their minds. I keep getting contradictory answers. Now they claim XXXX wants the money. Its not XXXX. Everyone who sent money has done so on their own. Their accounts were refunded in XXXX per their request. I want my money now. Citizens sends me a letter that the account is closed. They keep taking monthly fees snd tells me the account is open ( I am being robbed by them ) l. Then Im told to go to a branch and get my money, but the branch cant because there is a hold and the main office wont even return the branches phone calls. The information sent to me by the home office is very incomplete and now its time for them to return to me my money snd stop playing games.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (NJ)

Experian was contacted twice to remove this medical debt I do not owe. Experian says the Debt Collection Agency told them it was accurate. This is against the Federal and State laws of medical debt collection/ surprise bills which I do not owe. 
I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2021. The driver of the vehicle fled the scene, and I suffered multiple injuries. My auto insurance XXXX was informed and was paying the bills of my medical debt as per the NJ State law and my no-fault status. Police was unable to track the criminal-driver. My insurance details were sent to all parties who treated me like ambulance, hospital and physical therapies and spine injections. Recently an unknown debt collection agency put a collection delinquency on my credit report damaging my credit score and putting me in great distress on top of my injuries. I believe that it is this agency that was sending me threatening calls which I communicated to XXXX and they said all bills they have paid. After contacting Credit Bureau they said that it is an agency in Pennsylvania asking to pay ambulance fee. The ambulance was given my auto insurance details several times and I received no notification after that. A Florida based Ambulance company named XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Florida XXXX was also given my XXXX XXXX and medical insurance details long time ago. This third party agency is outside my home state and had no contact number available. I find the recent action by the collection agency named XXXX XXXX as damaging and harassing as they threatened in the phone calls. I kindly ask CFPB to clear the wrongful debt collection in my credit reports and take action against this collection agency for damaging my credit score in this time of hardship.
Consumer complaint received 2019-09-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I will start with the most recent. I received a letter from Capital One Auto Finance stating that Capital One Auto Finance will pursue legal action in order to take possession of the vehicle. Letter was dated XX/XX/2019. 

I requested that since you are trying to collect on a debt please validate and confirm the debt being requested. I have yet to receive the Bill of Sale, Itemized bill in the amount of {$19000.00} that Capital One Auto Finance say that I owe, The name, address and phone number of the Injured party due to the fact that they are Corporation and a Corporation can not act, think, or sign anything, I requested that they provide an unsworn declaration proving that the alleged debt is owed, I requested that they provide an affidavit of Truth stating that the debt is owed and that the Injured party is owed the debt. I have recorded my calls as well and sent numerous letters. I am sending another Debt Validation letter since my first letters were never answered and an affidavit of my own with a counter claim of fraud, misrepresentation, illegal contract, and not providing full disclosure in the original contract.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. XXXX XXXX Balance : {$13000.00}
Consumer complaint received 2023-10-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: JPMORGAN CHASE & CO. (CA)

Subject : Urgent Complaint Regarding Service Approval Delay I have diligently attempted to resolve the pressing issue at hand with XXXX XXXX. Since XX/XX/XXXX, I have made numerous calls to obtain approval for service at XXXX. To expedite this process, the service advisor at XXXX reached out to XXXX, the service manager at XXXX XXXX, but regrettably, we have encountered persistent roadblocks. XXXX, a manager at XXXX XXXX, gave me assurance on Wednesday, XX/XX/XXXX, that my approval would be granted by Friday, the XXXX at XXXX XXXX coinciding with the return of XXXX, the finance manager. 

It is crucial to note that my active and in-effect warranty policy, known as " portfolio protection, '' was an add-on service contract that I purchased for {$2400.00} on XX/XX/2021. This service contract has been in effect, and I rely on it for necessary repairs and service coverage. 

The urgency of this matter is amplified by the fact that my car was overheating, rendering it impossible to drive to the purchasing dealer. The nearest authorized service center was XXXX, which I had to turn to for immediate assistance. 

Despite the assurance given, it is now Monday, XX/XX/XXXX, and the issue remains unresolved. This ongoing delay has been incredibly frustrating and has caused severe disruptions in both my work and personal life. The negligence on the part of XXXX XXXX has resulted in significant punitive damages. 

I urge you to take immediate action to resolve this matter and provide the necessary service approval. The continued delays and inconvenience caused by this situation are unacceptable and have caused undue harm. I expect a swift resolution to rectify this situation and prevent any further damages. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-30
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: EQUIFAX, INC. (IA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated 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 2022-12-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

A few days prior to the incident I had some fraudulent activity on my bank account. On this date I had made a {$40.00} cell transaction and immediately was contacted by what I thought was Bank of America telling me I had more fraudulent activity and that someone was attempting to take money from my account. It was very coincidental that Ive had just used the XXXX app and was then contacted immediately by the scammer. I felt that it was connected because of the recent fraudulent activity and they represented themselves as Bank of America. I was sent a confirmation a phone call many things that led me to believe that this was legitimately again the fraudulent team at Bank of America. I almost never use XXXX and was not familiar with all the risks and possible scams that this type of money transfer comes with and do not feel the Bank of America adequately protected my information because I was instantly contacted while I was on XXXX for the first time. I sent money to myself via XXXX I thought is a part of the scam. I have a phone number I have documented pictures of the text message I was sent and I contacted Bank of America within hours of this transaction. It was a Saturday evening XX/XX/XXXX and contacted them first thing in the morning on a Sunday within hours of the event because I felt something was not right. I immediately filed a claim with their fraud department and was told that someone would be contacting me to get more information regarding the name the phone number and any other evidence I had and was never contacted. I sat for hours and I have proof of those hours I sat on hold trying to speak to someone in the fraud department multiple times following the event. They did not ever contact me. they never answered the phone subsequently when I called and then denied my claim. The event took place on XX/XX/XXXX but they show the transaction happening XX/XX/XXXX I called them XX/XX/XXXX this was a very quick response and I feel they have dropped the ball and not protected my information adequately they had plenty of information they could have followed up on but did not.
Consumer complaint received 2023-02-21
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ClearPath Lending (VA)

Clear Path Lending sends 3-4 mailers a week often times camouflaged inside envelopes without displaying their origin. They email, text and call leaving voice mails weekly. I reply to the texts and emails requesting that they stop contacting me. I applied for a conventional mortgage with a different lender last week, XX/XX/XXXX, and the amount of mailings and calls has doubled - offering me a VA mortgage. I desire that they cease all contact with me.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have XXXX that accept tips on credit cards. For over 20 years when we get a request from issuing bank due to a larger than 20 % tip we would send in receipt of purchase and customers signed receipt. It would prove that yes customer wanted to tip over 20 % and would result in no charge back. The last few months CapitolOne is asking for this same information but not accepting our proof. They are saying we only got authorization for 20 % ( which they are aware that is all we are able to get ) and not only taking the tip back but charging up to a {$25.00} fee for everyone time There is no way for us to get a authorization for over 20 % and they know this. We have a lot of people that tip over 20 %. This is an unfair practice because there is no way for me to get the authorization. So they get that tip money back even know i am proving customer wanted my employee to get it and charging a fee I have numerous emails i can provide with my credit card processor and they just say they are just are frustrated as me with Capital One. Any help would greatly be appreciated