davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I discovered my savings and checking account with Capital One were frozen and I could not withdraw any funds from them on XX/XX/XXXX. The bank sent no notice about freezing my accounts either. I called the bank to find out why and fix the problem. After hours on the phone I was told to call back. On XX/XX/XXXX i called the bank again and spent hours again on the phone with them to finally be told after verifying my identity that until their investigation is done I am denied access to my accounts. I told them I needed the funds in the accounts for today for my business or I will lose profits and risk losing accounts I have for the business. They still told me I could not access my accounts. They also refused to provide information of why my accounts were frozen or a time line for when they will finish their investigation. This is now costing me revenue and hurting my business.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CO)

I am writing to dispute certain inaccurate and unauthorized information on my consumer report XXXX XXXXXXXX, generated on XX/XX/2023. These inaccuracies are causing significant harm to my credit score, and I request that you take immediate action to correct them. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am exercising this right by disputing the following highlighted portions of the report : [ All highlighted Hard and Soft Inquiries/ Address ]. 
I believe that these items are inaccurate because I never applied for credit from the highlighted Creditors yet they chose to report inaccurate information on my consumer report and when contacted to dispute I was met with no response which is out of my control. It is my hope Experian can investigate these fraudulent Inquires and remove them as they are unauthorized and in violation of the Fair Credit Reporting Act. 
If you require any further information to process my request, please do not hesitate to contact me. 
Thank you for your attention to this matter. I look forward to a prompt resolution to this dispute. 
Respectfully submitted XXXX XXXX
Consumer complaint received 2019-02-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

I open a checking and saving account due to there is {$400.00} bonus when I deposit XXXX for 3 month on XX/XX//2018 After 3 month I receive a system email confirming I met the requirement and should be able to see the money within One month. However when I check my bank account after 33 days, my checking account has been closed without my permission.Of course there is no bonus.
Consumer complaint received 2024-04-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: First National Collection Bureau, Inc. (OR)

XXXX we decided to start paying off our debts so that we could semi retire. We paid {$660.00} on our XXXX card that was the balance when we called to close account and pay off. XXXX we finally sold our home in XXXX  and moved to XXXX XXXX  to be closer to our family who are all in XXXX. XX/XX/XXXX we received a phone call from a debt collection company requesting that we pay them {$32.00} the balance on the XXXX card. I told them this was 7 years later and why are they only calling now if there was a balance why did they not call in XXXX or XXXX but the first we hear of this is XXXX 7 years later. They wanted our bank information to process the payment I refused to give them the info as I told them I dont know who they are calling here 7 years later, send me a detail bill and we will look into it. They called again and we told them not to call this number, they then made a call to our cell phone and upset my XXXX XXXX XXXX wife by asking for payment and said it will be reported to credit bureau. Is this legal to suddenly after 7 years to come and say there is a balance {$32.00} can feed us to old people for about 3 days. Company that called is First National Collection XXXX XXXX. Is this legal
Consumer complaint received 2022-12-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I never received the {$500.00} cash bonus for business checking account I applied on XX/XX/2022. 

Bank of America is denying {$500.00} cash bonus for my account on the categorally false conclusion that the bonus requirement includes " only for business accounts who were specifically targeted ''. At the time when I applied on XX/XX/2022, the bonus was available to all new BofA applicants and didn't include the targeted customer requirements. BofA later changed the terms to include the targeted customer language about a month later, in mid XXXXXXXX XXXX 

The attached pdf file shows the terms of bonus from BofA checking account application website on XX/XX/2022. As clearly indicated in the first line of their requirements, which I've copied in quotes below, there's no mention of targeted customers as a requirement to receive the bonus. 

( " '' 1 This offer is intended for new customers only ; you are not eligible for this offer if you were an owner or signer on a Bank of America XXXX XXXX Banking account within the last twelve ( 12 ) months. Only one bonus ( {$500.00} ) per business customer, regardless of the number of businesses owned or operated by the customer. '' '' ) Since BofA added the targeted bonus requirement later on mid XXXX, but not when I was approved for the account on XX/XX/2022, I would expect BofA honor their end of the bonus terms.
Consumer complaint received 2024-04-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NATIONS DIRECT MORTGAGE, LLC (TX)

I have been hit with a mortgages increase from XXXX XXXX XXXX This was due to a mistake on my taxes. They have my taxes at over XXXX and my taxes are only XXXX according to the county XXXX XXXX tax assessor. I have called numerous times because this huge swing can cause me to lose my house and no resolve. They have moved so slow that I am almost at the 30day late mark. I make my payments on time and think this is unfair. They should be able to read tax bills better since this is what they do.I sent the correct tax bill in over a month ago before the new payment would be due and still nothing. They advised that they made a mistake and billed me for 4 parcels when I only own one. This is causing a huge hardship.
Consumer complaint received 2019-02-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Eagle Home Mortgage, LLC (WI)

Unfair and immoral business practices where the consumer is being taken advantage. 
Facts : XXXX XXXX a residential building contractor is the Parent Company of Eagle Home Mortgage LLC. 
XXXX offers buyers unrealistic closing cost credits to steer buyers into using their financing. 
The unrealistic closing cost credit is rarely used up. Example : XXXX XXXX had a purchase contract with a {$10000.00} seller concession on a {$230000.00} Home. She was not aware of the max 3 % seller concessions for conventional loans and was very upset they lost nearly {$3000.00} at the closing table.

Closing cost credits are not offered to buyers unless they use Eagle Home Mortgage. ( This is in writing ).

Eagle Home Mortgage plays along with the closing cost credit by disclosing the full credit on a buyers LE & CD. They do not adjust the correct credit until the day of closing, leaving the buyer upset and confused.
Consumer complaint received 2018-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (WA)

I subscribed to Experian Credit Tracker When I attempted to cancel, I was notified that I needed to call a telephone number. No one picks up at that number.
Consumer complaint received 2023-01-10
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. (IL)

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( XXXX ) XXXX I know nothing of this debt, But I am constantly getting calls and mail In regards to this debt, I am a consumer and my rights as a consumer matters, If your organization is unable to help me, I will speak with my lawyer, I would like a response within 15 days please. 

XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXX  A Account number : XXXX Date opened : XX/XX/2022 Account type : Open Account Status updated : XX/XX/2022 2022
Consumer complaint received 2023-07-24
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: AMERICAN EXPRESS COMPANY (TX)

In XX/XX/XXXX, I discovered an unfamiliar credit card account on my credit report with American Express. The account was associated with the XXXX XXXX XXXX XXXX. However, I had no knowledge of receiving it. I immediately realized that this account was fraudulent and that I had been a victim of identity theft. 

Despite my efforts to contact American Express and report the fraudulent charges, they insisted that the account was opened legitimately and that I am responsible for all charges, as per the Cardmember Agreement ( CMA ). I explained that I never received the physical card and that all the charges on the account were made by someone else without my knowledge or consent. 

In response, American Express initiated a fraud investigation on XX/XX/XXXX. However, their investigation seemed insufficient as they closed it on XX/XX/XXXX, citing a lack of necessary information. I continued to dispute the charges and provided additional evidence to support my claim, but it seemed that my concerns were not being adequately addressed. 

I am frustrated and concerned about the impact this fraudulent account is having on my credit score and financial well-being. It is essential for American Express to take my claim seriously and conduct a more thorough investigation into the fraudulent charges.
Consumer complaint received 2020-01-07
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. (FL)

I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of those accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file
Consumer complaint received 2023-03-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

My lender ( Mr Cooper ) failed to provide payment to my condo insurance policy back in the XXXX half of XXXX. This resulted in my being dropped & having to find another insurance company, put my escrow into the negative, and raised my monthly payments to Mr Cooper ( over $ XXXX ). I was told by Mr Cooper to pay this new amount until they could do an offsite analysis and return my account back to before the incident. After months of calls, emails and promises to " figure things out '' by Mr Cooper, I'm still waiting and over-paying. 

At the end of XXXX, I received a new bill reflecting an even greater monthly payment and substantial negative escrow balance ( over {$1000.00} ). After months begging Mr Cooper to get things back to normal, I made an additional {$1000.00} payment on XX/XX/XXXX to be paid to XXXX to abate further problems. They applied that money to Principal instead. It took weeks to resolve their misapplication of my payment. And I'm still in the negative. 

I keep getting told by the many Mr Cooper representatives trying to " figure things out '' that they are on my team and trying to resolve this. But their mistake continues to coast me money. 

Mr Cooper explains it ran another, early offsite XXXX, re-evaluated my property taxes ( this is supposed to be done in XXXX, not now ), and my new monthly payment is {$1300.00}. If not for their first mistake ( not making my insurance payment ) I would not be paying this new amount until XXXX when Mr Cooper runs its annual analysis. Additionally, if the analysis brought my payment to {$1300.00}, then I have been made to overpay this new amount for the past several months and someone owes me a reimbursement of that over-payment. 

None of this is resolved. only " escalated '', then silence until another bill is due. I have come to learn that this is a common occurrence. It needs looking into. My money is being stolen/ extorted from me by Mr. Cooper XXXX I could use some help.
Consumer complaint received 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a loan with CAPITAL ONE AUTO FINAN XXXX. I have always made all of my payments on time. One day I decided to check my credit on XXXX when I saw an alert come up on my phone, I immediately went on my computer, and I realized that there was a late payment on my XXXX, XXXX  and XXXX  credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX and CAPITAL ONE AUTO FINAN with no successful resolution. XXXX, XXXX, and XXXX  are all reporting me late. There was definitely an error on their part, I always made payment on my mortgage a few weeks earlier than the due date, and always on time. I was never 30 days late five times, and I was never 60 days late.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Adjusters, LLC (CA)

Complaint Regarding Inaccurate Information on My Credit Report Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint regarding inaccurate information on my credit report. Recently, I came across a listing from National Credit Adjust under account number XXXX, which indicates an overdue amount of {$110.00} as of XX/XX/2024, which I have no record of engaging with, nor have I signed any legal agreements with them. 

Despite my efforts to contact National Credit Adjust to rectify this error and have it removed from my credit report, they have been uncooperative. As a consumer, I believe I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ), section 611 and I feel that my privacy rights have been violated in this instance. 

I respectfully request your assistance in investigating this matter further and ensuring the prompt removal of this erroneous entry from my credit report. Your intervention in this regard would be greatly appreciated. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Park Hill Holdings (TX)

I am a victim of identity theft. I have an incorrect address on my tenant screening report that I've never lived at before. XXXX XXXX XXXX XXXX, TX XXXX. There is showing a rental balance. I have filed a report for identity theft and have already contacted the company, I did not receive a response. I am requesting for this to be removed from my tenant report. If is not removed I will sue for, as this is negatively impacting my credit. The tenant obtained this apartment with my identity as well as false documents to obtain the lease. The landlord did not properly investigate and research before lending this apartment out to the tenant which is extremely negligent. This could have been prevented had the landlord properly reviewed the documentation. If not removed I will sue for negligence.
Consumer complaint received 2023-07-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd. (KY)

I had gone to XXXX XXXX on XX/XX/XXXX for XXXX. My insurance at the time covered 50 % of it. I paid half on XX/XX/XXXX on my XXXXXXXX XXXX card, the invisalign arrived on XX/XX/XXXX and I had to pay the other half. ( it had to be paid in full before they could give me the trays ). I put that on m XXXX XXXX as well. Everything was paid up front. I had contacted the insurance company ( XXXX XXXX ), as well as XXXX XXXX to confirm that me switching jobs would not interfere with this since it was paid in full. They said since it's paid, there wouldn't be any issues. I started a new job on XX/XX/XXXX. I finished my invisalign on XX/XX/XXXX. i received a bill stating that my insurance only paid half and that i owed {$990.00}. I got in touch with XXXX XXXX as soon as I received it and they said that the insurance denied the claim. I explained that I had already paid everything and that I no longer have that insurance. They said they aren't sure why it was resubmitted and to contact the insurance company, which I did. The insurance company said the claim was resubmitted once the treatment was completed and there's nothing they could do. So I Contacted XXXXXXXX XXXX back and they said it would be taken care of. The guy I spoke to was XXXX. The next thing I know, I receive a notice from a collections company ( Harris & Harris , LTD. ) and have received daily phone calls. I have explained to them that this was paid and it should've never been sent to collections. If needed, I'm sure I can try to contact XXXX XXXX and get the statements from XXXX of XXXX. 

I also mailed a dispute to Harris & Harris on XX/XX/XXXX explaining this same situation and nothing has been resolved.
Consumer complaint received 2020-01-07
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: National Credit Systems,Inc. (IL)

Since 2017, XXXX XXXX and national credit systems say i owe {$23000.00} dollars when i don't. As a result i have been denied XXXX mortgages. I filed XXXX disputes with XXXX   and XXXX and supplied court documents. XXXX removed that alleged debt from my credit report. The debt is not mine, and/or not truthful. I even submitted the court documents to XXXX and XXXX and national credit ststems. I have no judgements against me from anyone. 

The refuse to remove it.
Consumer complaint received 2022-12-27
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. (OH)

About 5 yr ago I had XXXX XXXX take over and pay my bills. I have made every payment but one ( due to moving back to XXXX from XXXX  ). I was also on a reduced payment d/t Covid and a XXXX XXXX, but continued to make payments every month. 
I had both a XXXX accout ( they sold the account to XXXX XXXXXXXX, who sold the account to XXXX Bank, ( account ending in. # XXXX, ) XXXX XXXX  has the account listed as XXXX XXXX, but all payments are made to XXXX  XXXX  and are up to regular agreed upon amount. 
XXXX XXXX  is also being paid for account ending XXXX listed as XXXX XXXX XXXX and every month the bill has been paid ( proof to follow. When I went with XXXX XXXX the XXXX and XXXX account together equaled more than {$7500.00}. And Im down to about {$2000.00} for both accounts, proof to follow. So XXXX  XXXX  has listed both accounts as written off. I have contacted them several times and they have told me because I had to make reduced payments they can show it as written off I spoke with XXXX last week. I told him it was false reporting and he said I was wrong. Im a XXXX yo XXXX  and have no record of late payments, BUT WAS DENIED CREDIT D/T XXXX  refusal to show the account as being paid on. 
Now. I have contacted XXXX and they refuse to fix this error and now I cant contact them at all. ( when I call a phone message comes on and asked me for my information which I give and it tells me its incorrect and cuts the phone off. Im printing them. They sent me a copy of the credit report, but refused to upgrade my income, or return dress this problem with XXXX. Please help me fix this.
Consumer complaint received 2024-04-17
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp. (FL)

On XX/XX/year>, I entered into a contract with XXXX for a data plan intended for hotspot connectivity. The plan, which was data-only and did not involve any cell phone service, was initiated to provide internet access. Unfortunately, within the first 30 days of activation, the service failed to function leaving me unable to connect to the internet despite multiple attempts to troubleshoot the issue with XXXX 's technical support team. 

Despite my efforts to resolve the issue with XXXX on multiple occasions, the service remained unusable, prompting me to terminate the plan within the initial 2-3 months. However, upon termination, XXXX imposed an early cancellation fee, which I believe to be unjustifiable given that I never received the service I agreed to pay for. 
XXXX had a satisfaction policy that they did not adhere to. It was a part of our written agreement, my satisfaction was supposed to be guaranteed. 

Subsequently, the debt stemming from this early cancellation fee has been sold to multiple collection agencies. As a result, I have received correspondence from multiple entities within a short period, further complicating the matter. Attached, please find copies of the correspondence for your reference. 

I firmly believe that I should not be held responsible for a service that was never provided. The debt being pursued by XXXX and subsequently by collection agencies pertains to an early cancellation fee for a service that I did not receive and therefore should not be obligated to pay. This fraudulent practice is neither fair nor justifiable under the terms of our agreement or the FCRA. 

In the attachment below you will see an email that represents XXXX XXXX XXXX and True Accord but the consumer credit report entry for this debt references XXXX XXXX only. The Account represented in the attached pdf ( pages 2 and 3 ) below is connected to a True Accord account number listed in the email.