davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-12
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

XXXX XXXX XXXX Customer ( XXXX  ) Purchased XXXX at XXXX for {$5000.00} ( Contract for Services ) from Bank of America ( XXXX XXXX, VA ) Paid with Check Euros Arrived at BOA on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Customer has XXXX XXXX XX/XX/XXXX Bank ( Bank of American ( BOA ), XXXX VA ) returns Euros back to BOA Foreign Currency Exchange Customer Not Notified XXXX XXXX XXXX BOA converts XXXX to {$4900.00} and deposits to Customers BOA Account Customer Not Notified ( Two months after Euros returned ) XXXX XXXX XXXX  Customer attempts to acquire Euros at BOA ( XXXX ) Customer notified that Foreign Funds are held for 10 business days and then returned to BOA Foreign Currency Exchange . This term/condition is not stipulated when contract is made with the bank. This is in essence an attempt to modify the contract after execution. BOA has defaulted on the original contract. Customer neither signed, nor was presented any documentation with respect to BOAs 10 day hold policy. BOA sent no emails to customer attempting to notify him of this policy after Euros were purchased. 

XXXX XXXX XXXX Customer repurchases XXXX ( same number of Euros ) at XXXX for {$5400.00} Customer loses {$470.00} for same number of Euros purchased in XX/XX/XXXX Customer has requested a refund of {$470.00} for customers loss BOA ( XXXX ) referred customer to BOA Customer Service which referred customer to BOA Foreign Exchange Investigations XXXX XXXX XXXX XXXX Discussions with BOA Foreign Exchange Investigations states that BOA has right to change terms and conditions o

f Foreign Currency Exchange transactions. - Customer disagrees. Any stipulations on the exchange of fund, should be highlighted up front and any modifications after the fact modifies the conditions of the transaction. 
- Customer also contends since BOA had his email that an email notification would have been beneficial. Customer states that no emails were sent and BOA verifies this was the case. 
- BOA Foreign Currency Exchange states that terms and condition are up to individual bank and that any recourse needs to be communicated to them. BOA ( XXXX ) states that this is a corporate issue which needs resolution at XXXX. 
- Customer also questioned XXXX XXXX XXXX why they were allow to hold the Euros for almost two months before exchanging and depositing into Customers account. Clearly BOA Foreign Currency Exchange was holding because of favorable positive position - Customer requests refund of {$470.00} as BOA broke original terms of agreement costing the customer money.
Consumer complaint received 2022-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (CA)

Im writing regarding my missing 0 % intro apr. On the webpage of the application for the USbank cash plus card, it has the 0 % intro apr on purchases and balance transfer for the first 15 billing periods. I applied and got approved for the card this year XXXX. However, after I was charged interest and a phone call with a card member agent, I was informed that the 0 % intro apr is not applied to my account. 
0 % intro apr for 15 billing periods was part of the reason I applied for the XXXX XXXX card. The 0 % intro apr is still on the webpage.
Consumer complaint received 2020-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This XXXX XXXX  account with Account number XXXX is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed an identity theft affidavit to alert the proper authorities.
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2022-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I have had my credit card account with USAA for over 20 years. During the past two years while in a pandemic, I missed 4 months of work due to XXXX XXXX I received at work. I missed 1 months of work due to XXXX. I, also, am experiencing long hauler symptoms. My husband, who is immunicompromised, missed 1 months of work due to XXXX and 2 months of work because of XXXX  XXXX. My account with USAA is in good standing at this time. The change in my credit report was due to late payments because of lack of income. I attempted to contact all companies to make payments arrangements to which I was denied. I received a letter dates XX/XX/22 stating my USAA account in good standing for over 20 years was being cancelled due to my credit history. I took a 2nd job. My husband took a 2nd job. We are working to get accounts current. It makes no sense why a current account with no missed or late payments is being closed when there was a pandemic & multiple medical concerns. USAA has always had amazing customer service but this does not live you to expectations.
Consumer complaint received 2022-04-15
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. (NY)

MY NAME IS XXXX XXXX XXXX I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. I DID NOT AUTHORIZED THESE INQUIRIES NOR GAVE ANY CONSENT TO ANY COMPANIES TO FURNISH THIS ON MY REPORT PLEASE SEE ATTACHED OF MY ID XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I had contacted Capital One XX/XX/2020 to inform them of the late penalties I was assesed. But the bank informed me their systems were down and to call back at a later time. I had previously called and asked to be enrolled in automatic payments but Capital One refused to assist me with setting the automatic payments regarding account ending in XXXX. I am enrolled in payments with my other accounts and capital one assisted me in setting up automatic payments with these accounts. And I once again called on XX/XX/XXXX to explain what had happened but the representative refused to assist me in this matter. He claimed that their is a 12 month waiting period. I expressed to him that I've had a long standing relationship with capital one extending 4 years. And that I had regularly asked for automatic payments to be set up to my account in XXXX. I incurred these fees through no fault of my own as I do not have the legal authority to control and add and verify an external account to my credit card. I wish to address this as soon as possible and not be forced to close my account.
Consumer complaint received 2022-04-15
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. (NY)

MY NAME IS XXXX XXXX XXXX I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. I DID NOT AUTHORIZED THESE INQUIRIES NOR GAVE ANY CONSENT TO ANY COMPANIES TO FURNISH THIS ON MY REPORT PLEASE SEE ATTACHED OF MY ID XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (CA)

I was offered a Care Credit card while trying to pay for my dog 's emergency XXXX XXXX on XX/XX/XXXX. The total amount was {$6900.00}. I was told by the vet that the card would have 0 % interest for the first year, then interest kicking in after that. I was not informed that once the promotion ended ( ending XX/XX/XXXX ), I would retroactively be charged the the full amount of interest on the principle at a ludicrous rate of 26.99 %. Because I am eco conscious, I signed up for e-billing. I never once received an email from them regarding my promo period ending and what would actually happen. Additionally, they claim that every time I visited the site, I would be informed that my promo period would be coming to an end soon. This is incorrect. 

When I attempted to resolve this ( XXXX/XXXX/XXXX ) I was rebuffed and told that there was nothing they could do to reduce the payment. After paying {$220.00} a month for the last year ( total of {$2600.00} ), my current bill is {$6500.00}, which means that I have in essence paid off {$400.00} of my bill at the cost of {$2600.00}. This would seemly qualify as usury - this company preys on people who are trying to save their pets lives, and the vets issuing these cards do not explain what actually happens when the promotional period ends, they just ask you to sign the contract immediately, while your animal 's life hangs in the balance. I even offered to pay off the entire principle today with a reduced interest rate and they claimed that they could not help me. These are predatory loans, offered to people under emotional duress, without full disclosure.
Consumer complaint received 2023-06-29
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. (PA)

XXXX Equifax responded to my CFPB Complaint # XXXX that I submitted on XX/XX/2023. 
Equifax replied to CFPB and myself that XXXX XXXX verified that account belongs to me. 
My Question is : Why is Equifax avoiding the sole basis of my dispute being the violation of my right to privacy. The Gramm -Leach -Billey Act states I am to receive notice to opt out of credit reporting and that NO information should be reported on my consumer report without my submitting written permission/instructions. 
I did not give consent to XXXX XXXX XXXX or Equifax to report this information. 
I also understand that because verifying information that is violating my privacy rights is an additional illegal action and I may be privy to compensation in a court of law. 

Additionally, Equifax stated to CFPB that XXXX XXXX is not reporting on my equifax report but as of today I find it is still reporting. WHY? 

I want both items removed due to my federally mandated right to privacy.
Consumer complaint received 2022-04-15
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. (GA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX  Account Number : XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have disputed this creditor on XXXX, and XX/XX/XXXX. I requested bank transactions and proof that I was late with this creditor. The creditor has took over 30 days to update my account and perform an investigation. The creditor has illegally reaged my date late active XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX is missing date last active and is unverifiable. XXXX XXXX failed to do update my account and do a proper investigation. The creditor last reported on my account XX/XX/XXXX even though I have sent dispute on XX/XX/XXXX and XX/XX/XXXX. XXXX date is XX/XX/XXXX I have not received an update of a reinvestigation from the creditor and removed.
Consumer complaint received 2022-04-15
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 — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

All these accounts show INNACURATE info and must be deleted according to my FCRA RIGHTS. THESE ACCOUNTS MUST BE DELETED IMMEDIATELY! I have sent multiple complaints requesting a full investigation of these accounts however I have not received any proof that this investigation was completed. I have attached my credit report as of XX/XX/2022 comparing all 3 bureaus showing each discrepancy. 

1. Bank of america ( xxxxxxxxxxxx XXXX ) This account contains incorrect information in regards to the account status. Payment status & History. I have made multiple attempts with the company to solve this and no investigation has been completed. Per 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof that every piece of information is accurate, these accounts must be deleted. Company has had more than 30 days to complete this investigation and provide proof
Consumer complaint received 2020-02-25
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PRESTIGE FINANCIAL SERVICES INC (VA)

This account has been paid in full and is showing a late payment in XX/XX/2019 and XX/XX/2019. I'm in the process of trying to buy a home and the late payment reporting is affecting my chances of becoming a homeowner. Please consider as a Goodwill courtesy and that all other payments were made on time please consider to update as a Goodwill courtesy. Thank you
Consumer complaint received 2022-04-15
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. (NV)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX 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 2022-04-15
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. (IN)

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX 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 XXXXXXXX Federal 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 2018-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NJ)

I have a membership with XXXX, and on XX/XX/2018, I ordered my three credit reports and scores. We called Equifax on XX/XX/XXXX to inform them my credit report dated XX/XX/18 indicated that I had a score of XXXX. I spoke to a customer service representative who promised to give me my score once I paid the {$7.00} fee. After erroneously having my debit car charged twice, he informed me that I would receive my score in 10-15 business days. I then asked for a supervisor who essentially confirmed to me that a score of a XXXX was correct and Equifax was unable to calculate my current, accurate credit score. After being placed on hold several times, the supervisor promised that she would call me back with a solution and correct credit score. She even promised to email me, and gave me a confirmation number of XXXX. I was NEVER called or emailed. I still do not have a Equifax credit score. 

Finally, it is very disturbing that all three credit boroughs do not accurately reflect the number of my open accounts. I have only four open accounts ; two XXXX XXXX revolving accounts, a XXXX Auto Loan, and my current education loan through XXXX.
Consumer complaint received 2023-06-29
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. (MD)

This is my first endeavor 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 XXXXXXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$6500.00} XXXX XXXXXXXX Balance : {$380.00} XXXX XXXX Balance XXXX {$370.00} XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXXXXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$7300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$370.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$1800.00} XXXX  XXXX Balance : {$1400.00} XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX  XXXX Balance : {$6500.00} XXXX  XXXX Balance : {$380.00} XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1800.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2022-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (CA)

For the past three years Arvest Central Mortgage has been charging us for insurance on our property, even though evidence of insurance paid in full by us directly to the insurance companies, has been provided to them. They have continued to charge us escrow for said insurance and they refuse to refund us the funds for insurance they've charged us through the escrow account. We have asked them repeatedly to take escrow off of the account to no avail. Of more concern is that for the last six months, while we have submitted mortgage and insurance payments to them before the due date, they are not applying the payments to our account even though they have cashed the checks. Since they are not applying the payments, they are charging us late payment fees for payments that are not late. They have also reported us to the credit bureaus for late payments that are not late. We have tried to address this with Arvest Central Mortgage without any results.
Consumer complaint received 2023-06-07
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. (AR)

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belongs to me, or that I have signed any agreement. The items I am questioning are fraudulent and that are all unknown to me. Based on FCRA Section 605b, It is the resposibility of the Credit Bureaus to remove these inaccurate items which are not belongs to the owner. The following items needs to be removed immediately on my credit file 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 {$360.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3400.00} ; XXXX XXXX XXXX XXXX XXXX  {$1100.00} ; XXXX XXXX XXXX XXXX : {$48.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  {$570.00} ; XXXX XXXX AV XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3400.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (HI)

I had my identity stolen by person name XXXX XXXX XXXX from XXXX XXXX XXXX but lives in XXXX XXXX XXXX and another person name XXXX XXXX from XXXX Hawaii USA and made fraudulent accounts like aspire credit card and XXXXXXXX XXXX XXXXXXXX Plus XXXX XXXX XXXX