davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

This letter is to follow up on our recent contact with you earlier this month. As we explained, we have been the victims of identity theft. It recently came to our attention that our names, home and business addresses, dates of birth and social security numbers have been used to open savings and checking accounts and to obtain pre-paid debit cards. 

Specifically, in 2016 our personal information was used to open a checking account at Capital One 360. Of note, this occurred without Capital One performing a credit check with any of the XXXX credit reporting agencies, and fraudulent email addresses and phone numbers were provided and not checked for validity. We believe these are egregious practices. We have spoken with Capital One, who has reportedly closed the account. 

We are informing you of this so that any further activity using our names and numbers without our knowledge or consent should be considered part of that identity breach. Further, we have requested that our financial institutions inform us of any activity using our names and other identifying information prior to completing any fund transfers, opening new accounts or any other financial activities. 

We are reaching out to you with this letter on advice of our legal counsel and the Oregon Attorney General 's office, and as one of several law enforcement-recommended actions. We have already notified the XXXX credit reporting agencies and our other financial institutions. We have filed official reports with our local law enforcement agencies and the Federal Trade Commission. 

Our goal is to be proactive in protecting ourselves, as well as to assist our financial institutions, law enforcement and legislators to address an apparent gap in this vulnerable system that needs immediate repair. We would like you to work with us to help stop this fraudulent activity. For instance, we believe that all banking institutions should be required to perform and document a formal credit check, as a matter of legal record, in order to open a new account of any kind and to double check the validity of email and phone information provided. 

The Oregon Attorney General 's office has advised us to be in constant contact with our financial institutions as we do our part to monitor this situation closely. Needless to say, the more cooperation there is between stakeholders, the more likely criminal behavior such as this can be dealt with effectively toward a just resolution. We have requested that our accounts have a notation documenting this identity breach. We have changed our passwords, added an additional security " code word '' and initiated Voice Print identification to our accounts. 

Any further suggestions for additional actions we can take toward protecting ourselves would be appreciated. 

Thank you so much for your good work.
Consumer complaint received 2019-01-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (OH)

I was a victim of a fraud scam that occurred on XX/XX/2018. 
The scam involved me sending an unknown recipient money via the XXXX app associated with my Pnc checking account. A total of {$830.00} was lost to the scammer. 
At the time, I had a balance of {$0.00} in my PNC account because I had moved to a new location that didnt have any PNC banks and therefore transferred all of my money to a different bank. 
The scammer sent me a bad check for {$1300.00}. I cashed it at PNC. The {$1300.00} showed up in my account. I then sent {$830.00} of that money to the same person. Then the check came back as bad and I was left with a negative - {$830.00} balance in my PNC bank account. 

I reported the incident to my bank, PNC. I also filed a police report. 
PNC sent me a letter in the mail saying that my situation was not considered valid as fraud and they would not be paying the - {$830.00} balance in my account. They also charged me tons of late fees on the negative balance and then, after two weeks, closed the account. Blacklisting me from opening up any new bank accounts with anyone else in the future. 
During a phone conversation with a pncs Escalation manager, I asked why my situation was not considered a valid fraud and was told theres no way we can prove that you didnt just send the money to a friend. This is a lesson you need to learn. Its only {$830.00}, you can make payments on it. We cant make an exception for you because if we did, the feds would come after us. We cant make an exception for you because if we did, youd go and tell all your friends about it, theyd try to get away with the same thing and we would go bankrupt. 

The man I spoke to said I dont think anyone at PNC would believe you were trying to scam us out of money. But theres no protection for this. Its a very common scam that happens to hundreds of people a day. 

My complaint with PNC and XXXX, Which is the app that was used to send the money, is that there were no protections in place for this very common type of fraud. Why was a {$1300.00} check cleared that later determined to be bad? 
Why was a transaction of {$830.00} allowed to go out from an account that had no money in it and why wasnt I alerted? If this scam is as common as I was told it is, why arent there protections in place by both the bank and XXXX? 
People put their money in banks to keep it safe. Why was the such negligance by the bank here in my account?
Consumer complaint received 2016-07-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: CORELOGIC INC (FL)

I was advised to get a " CORELOGIC TELETRACK ''. tHEY SENT ME THE REPORT THAT HAD A COVER LETTER WITH MY CORRECT NAME AND ADDREES XXXX DOB XX/XX/XXXX LIVING THE LAST 34 YEARS AT XXXX, FLORIDA XXXX but the documents inside where for XXXX at XXXX, FLORIA XXXX WITH A BIRTHDAY XX/XX/XXXX.in XX/XX/XXXX i had problems with identity theift with the IRS. IT Took me almost 3 years to sort out this theift. Now it appears someone is stealing my ID again. 

I don '' t what to do. Can you make this complaint? 
THANK YOU XXXX XXXX, Florida XXXX Email : XXXX Phone : XXXX
Consumer complaint received 2022-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NH)

This complaint is being submitted by XXXX XXXX XXXX XXXX XXXX of XXXX, NH. We handled the sale of a home in XXXX. XXXX, Maine. We received a payoff statement from Mr. Cooper for {$84000.00} which was good through XX/XX/22. We wired them this exact amount of funds on XX/XX/22 but were advised that the payoff was short by {$3000.00}. We had already disbursed the seller 's funds and had no way to pay this additional amount. There doesn't appear to be a reason they were asking for it since we paid the amount on the payoff statement. They refused to provide any information to us. We were unable to contact the seller despite repeated attempts. They sent the money back to us on XX/XX/22 and we had to pay the additional funds from our operating account in order to settle the account and get the mortgage released. This is extortion and should not be allowed to happen. We relied on their payoff statement and paid the amount in full within the timeframe given. I request that they refund our office the {$3000.00} that was sent above-and beyond the payoff amount that was provided for our closing.
Consumer complaint received 2019-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Inquiries removal I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries 1.XXXX XXXX Inquiry from XX/XX/2019 2.XXXX Inquiry from XX/XX/2019 3.XXXX XXXX Inquiry from XX/XX/2019 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2019-03-11
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. (CA)

I am reporting 2 incidents of identity theft that appear to be related. 

1. Two unidentifiable addresses have been added to my personal information section of credit reports. I have lived in California for the last 30 years and have never lived at the addresses below ( nor owned any properties ). Someone opened XXXX accounts using my identity. 
a. XXXX XXXX XXXX, XXXX, XXXX XXXX b. XXXX XXXX XXXX XXXX, # XXXX, XXXX, XXXX  XXXX 2. XXXX XXXX, a collection agency, has been attempting to collect money on behalf of XXXX for the addresses above. I received an alert from XXXX ( an XXXX company ) on XX/XX/XXXX that that the balance of {$970.00} has been reported by XXXX as Unpaid, and it might impact my credit history. The alert indicates that the XXXX account was opened XX/XX/XXXX and the original amount was {$1600.00}. 

I have just received a notification from my bank ( XXXX XXXX XXXX ) that my credit score has been lowered to XXXX ( was around 740 before ). This has impacted my ability to get the best rate on an auto purchase ( the lender increased the rate by 1.00 % after 10 days from the purchase date ). 

I also received a response from XXXX  regarding my dispute that above mentioned XXXX account is still scheduled to continue on record until XX/XX/XXXX.
Consumer complaint received 2018-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I sent a certified letter, faxed a letter and made a phone call to Experian concerning incorrect information on my credit report. I explained to them certain hard inquiries on my Credit report are not mine and Requested them to be deleted because it is making it very difficult for me to acquire credit. Experian refused to do so with no proof. The hard inquiries are XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, and XXXX XX/XX/XXXX. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible Thank You XXXX XXXX
Consumer complaint received 2018-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Synovus Bank (TX)

I was shocked when reviewing my credit report and found two late payments on the date below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, there were a handful of fraudulent charges placed on my credit card with Chase - four separate transactions totaling {$2400.00} ( {$2100.00}, {$270.00}, {$31.00}, and {$6.00} respectively ). 

I noticed these charges on XX/XX/XXXX and reported them as fraud right away, cancelling my credit at the same time and requesting a replacement in the process. Chase subsequently gave me chargebacks on the charges flagged on the same day. 

I received a voicemail on XX/XX/XXXX that requested a callback to Chase but did not explain any context. When I received that XXXX and later an email with a formal decision to decline the fraud, I called Chase back on XX/XX/XXXX to get further information. They claimed that since I used the card in person, that they could not accept the fraud dispute. I then provided them with evidence showing that XXXX ) there were multiple charges on the same credit card in XXXX, TX ( my residence ) on the same day, XXXX ) flights confirming that I was in Texas that week as opposed to XXXX where the charges were made, and XXXX ) evidence of XXXX receipts for events that I attended in-person on XX/XX/XXXX to show that I was physically in Texas. 

I received a letter in the mail on XX/XX/XXXX that stated Chase has decided to uphold their decision to reject the fraud. I plan to reach out to Chase directly to receive supporting documentation to support that decision but want to additionally open up a complaint to get this handled separately.
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OH)

My XXXX XXXX is serviced by Synchrony Bank. My payments are sent via ACH. One payment issued on XX/XX/2024 for {$32.00} was not credited to my charge account. Called Synchrony on XX/XX/2024 ( XXXX ) and told them the payment was not posted and to remove all my late fees and interest based on the missing payment. They did not remove all the late fees and interest, and the payment was not researched. A screen shot is included of my recent payments which includes the missing payment. Nothing changed in my bill pay other than the amounts. Payments were posted before the missing payment and after the missing payment. It disturbs me that an ACH payment can be missed by a Servicer. Had a similar issue with my Lowe 's credit card and CFPB Complaint ID XXXX. Synchrony services the Lowe 's credit card too. It was resolved by Synchrony after the complaint was filed. My fear to what I have read, XXXX XXXX may not extend its servicing agreement with XXXX XXXX and Synchrony is a candidate to replace them. If so, I will drop my XXXX XXXX. Many more transactions hit my XXXX XXXX, and can you imagine the outcome?
Consumer complaint received 2023-03-21
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: American First Finance, Inc. (TX)

I received a letter XX/XX/2023 from American First Finance LLC " confirming weekly electronic fund transfers in the amount of {$200.00} will automatically draft from debit card XXXX. '' I did not open this account, do not use debit cards or have a card that ends in XXXX. In reviewing my credit report this account reflects a lease was opened XX/XX/2023 with a balance of {$20000.00}, term of 24 months and a monthly payment of {$870.00}. My credit report shows there is a balance of {$4900.00}. 

It appears this account was fraudulently created using my personal information as it appears on my credit report. I've filed a police report with XXXX XXXX XXXX XXXX XXXX. The case number is XXXX. Detective XXXX XXXX can be reached at XXXX or XXXX
Consumer complaint received 2019-07-06
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. (OH)

On the following dates I received responses to one of the many disputes I submitted to each of the Credit Reporting Agencies regarding accounts on my reports : XX/XX/XXXX - XXXX, XX/XX/XXXX - Equifax. On these responses the Credit Reporting Agencies stated the accounts I disputed were updated. Not only are they still reporting the incorrect accounts they are also reporting a bankruptcy I have disputed with them many times. They are staying they verified the information with XXXX XXXX which is a third party company. I have disputed this bankruptcy with XXXX XXXX and they responded to my dispute stating they, they received the information from another 3rd party, PACER, and this information was sold to the Credit Reporting Agencies. ( See attachment titled " Response - CFPB '' ). I have received a letter from the courts in XX/XX/XXXX stating they Do Not report any information to the credit reporting agencies. I have submitted this letter to Equifax, XXXX and XXXX XXXX several times since XX/XX/XXXX. Each Credit Reporting Agency state on the credit reports, with the exception of XXXX, the bankruptcy information is being supplied by XXXX XXXX. XXXX does not say this on their report however they say to find out where the information is coming from to go to the website they have listed on the report. I have included attachments of the credit report pages with this information as well as a copy of the XXXX  website that shows they are also supplied bankruptcy information from XXXX as well as another third party company.
Consumer complaint received 2024-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NM)

I am getting calls from Sunrise Debt Collection. I have emailed them that I have the number they are calling. They have told me that the name on the account does not match my name. The number XXXX is mine. I have a debt free life & have told them so. Despite telling them on more than one occasion not to call they persist.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Commonwealth Financial Systems, Inc. (TX)

They keep reporting to the credit bureau but I do not owe that amount that is shown its over XXXX, my names are also incorrect on my credit report. Multiple closed accounts that need to be removed off of my credit report
Consumer complaint received 2019-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (MA)

on XX/XX/2019 i tried to deposit a check to my Ally Bank checking account. The check bounced due to no fault of mine. The check i was depositing came via an online payment check sent by XXXX XXXX XXXX   to me. I was simply depositing it to my Ally Bank account. XXXX made a mistake and advised Ally Bank that the corresponding account had been closed. XXXX admitted the error and offered to pay the fee Ally charged me for the bounced check. The problem i am writing about is that Ally closed my account due to this. The issue with the deposit was not my fault but Ally did not care. They vindictively held a simple mistake against me. I tried to reach their management for a response and they refused to speak with me. This is vindictive and terrible customer service and very discriminatory.
Consumer complaint received 2019-07-06
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MN)

We went through bankruptcy ( Chapter XXXX, we repaid all our debts ) and XXXX sold our mortgage to XXXX, who we worked with for 7 years and LOVED their customer service -- very helpful. At the end of our bankruptcy we were even given an amortization that we were able to apply to our principle. 

They were recently sold and our mortgage was sold to Shellpoint who now says we are behind a payment even though we have a credit balance? My husband went back through our statements, and verified every monthly payment was made since they notified us that they were the new loan holder. 

He reached out to Seterus and they verified that the last payment we made to them was transferred to Shellpoint. Every time we try to explain this to Shellpoint they keep insisting that we are behind 1 payment, even though they are unable to tell us when we missed a payment. 

During one conversation with Shellpoint we mentioned our bankruptcy and they immediately transferred us to their Bankruptcy Department and the lady we talked to verified we were not behind and made some notes on our account. She also stated that we had a credit balance bc we had been overpaying. 

Despite this, we continue to be harassed on a daily basis by their robocall department that insists we are behind a payment.
Consumer complaint received 2019-07-06
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: EQUIFAX, INC. (NC)

I do not recognize the following inquiry XXXXXXXX XXXX XXXXXXXX Inquiry from XX/XX/2017. Please investigate to make absolutely sure there is no fraudulent activity on my credit report.
Consumer complaint received 2019-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I tried to use my Bank of America MasterCard at the XXXX XXXX XXXX in XXXX, PA to purchase a {$2000.00} prescription and BOA rejected the transaction when I have approximately {$20000.00} of available credit on that card, I have used it there before, and my account has been always maintained in accordance with the terms of the card. I have 3 % cash back rewards on my MasterCard and won't get those points. I had to use my Bank of America Visa card and will only get back 1 % in cash back rewards. I spoke with Bank of America and they refused to help me with this matter. All I want are my additional reward points of 2 % or {$40.00} that they provide. I can't believe that BOA does not have the technological capability to correct this wrong. It is bad enough that I have to take a medicine that costs {$700.00} a month to stay alive and healthy, but it is embarrassing and creates anxiety to have my card rejected when I am already in a tight spot.
Consumer complaint received 2019-07-06
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: EQUIFAX, INC. (NC)

I am not familiar with the following inquiry XXXX XXXX XXXXXXXX Inquiry from XX/XX/2018. Please investigate to make sure there is no fraudulent activity.
Consumer complaint received 2019-07-06
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

I was offered a discount at Home Depot if I opened a credit card with citybank. They opened one but I  never got it. 
I went to try to pay at the store. And they said I didnt have any balance. So didnt worry. 
Now I received a piece of mail stating that I owe more than double the amount. 
So as I see now I was charged initially for a product that costed {$20.00} Yet the fees charged are {$22.00}. 

I was about to pay this but I think it is very deceptive that they are charging so high interest. I wasnt aware of that and I didnt receive the previos bill which would have reminded me I had to pay.