davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2020 without warning my 3 accounts with Capitalone 360 ( 2 checking and 1 savings ) were frozen because my sister transferred {$33000.00} and {$39000.00} from her account in Nigeria to one of my checking accounts on XX/XX/2020. The bank made be believe originally that the transfers were fraudulent, but after further discussions with my sister and my local bank manager with a different bank it is my belief the accounts were frozen because of the country of origin. I have not received any written communication from the bank detailing the reason for the accounts being frozen, process of investigation and resolution and duration which the investigation must conclude. I waited a couple of weeks thinking the funds would be transferred automatically to one of my other accounts with a different bank that was linked to the Capitalone 360 accounts, but that has not happened and my attempts to talk to someone on the phone have resulted in me being directed to voicemail and told to leave a message and I will be called back. That has not happened.
Consumer complaint received 2022-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (NC)

XX/XX/2022 account hacked and {$1000.00} taken in a person to person transfer. 
XX/XX/2022 account hacked in a person to person transfer {$1000.00} was taken and also charged account in two transactions of {$60.00} XX/XX/2022 hacked for a third time and {$1000.00} was transferred in a person to person transfer. 

Chime is failing to secure my account, the are allowing changes to my account without proof it's me. I have contacted Chime and spoken with numerous members ... From Members Services to Disputes and my account is still not secure and I can not even access it myself. I have contacted Chime every day for 5 days. This has caused significant damage to myself and my family due to this was money to pay bills... Including our house payment and groceries. I need help in solving this matter and recovery of my hard earned money.
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have two credit cards with the XXXX XXXX XXXX XXXX XXXX. Both cards are being correctly reported to XXXX and XXXX, but not to TransUnion. 

The issue is, my {$500.00} card reports on the XXXX of each month, and it shows up on TransUnion 's page. Then when my {$1000.00} card reports 7 days later, the {$500.00} card disappears off of my report. 

Then when the XXXX of the next month comes around, the {$500.00} card reports again and bumps off the {$1000.00} card. My XXXX XXXX takes a hit because it says my available credit dropped by 50 %. 

This cycle has continued since I opened both cards in XXXX of 2019. 

My credit union and TransUnion kept blaming each other. When TransUnion finally finished their dispute resolution, all they thought was that I have one credit union card, when I have proof that they know of both cards. 

I have a XXXX XXXX credit card with a credit limit of {$250.00}. I mention this because I have included screen captures from TransUnion 's website, showing my available credit at various times.To show that TransUnion knows that I have two credit union credit cards.
Consumer complaint received 2023-07-27
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Firstsource Business Process Services, LLC (MD)

On XX/XX/2023, I requested that First Source Advantage stop contacting me through my email, phone and text. They still continue to contact me : I have emails from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2023.
Consumer complaint received 2021-04-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Neon Newco Corporation (WI)

XX/XX/XXXX called XXXX XXXX XXXX about a disputed transaction, company cancels card and says they'll mail a new one ... XXXX last monday called company to complain card didn't arrive was told it was returned undeliverable but they'd try sending again ... called XXXX last Wednesday and XXXX XXXX XXXX apologized that I was lied too, about mail being returned and they said my replacement card was mailed XX/XX/XXXX and should arrive last Friday ... it's now Tuesday XX/XX/XXXX, still no replacement card
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC (WA)

XXXX XXXX XXXX in XXXX and XXXX XXXX in XXXX WA run my credit without my permission with multiple banks while I signed for my credit to be run only with one bank. The sale confirmed that, only bank was going to be used and if I got denied. They will no longer proceed. I found out that, they lied instead run my credit using multiple banks. This is a violation of my rights as a consumer. I wasnt aware of that. I bought 7 cars from other dealership and this never happened before.
Consumer complaint received 2019-01-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

To Whom This May Concern : LVNV funding is reporting an account on my credit reports ( namely XXXX, XXXX, and XXXX  ) that does not belong to me. I have no knowledge of any debt with this company, and I have never received any correspondence letters, phone calls, etc. from them. I contacted them via mail requesting debt validation on XX/XX/XXXX using the contact information listed on my credit reports, but I have not received a response. Per the FCRA debt collectors are required to send a written debt validation notice, and this company has not done so, which places them in violation of the Fair Credit Reporting Act, which can carry fines up to {$1000.00} in court. Furthermore, I filed for Chapter XXXX bankruptcy XX/XX/XXXX, and the docket number is XXXX. All of my outstanding debt was included in this bankruptcy, which was discharged on XX/XX/XXXX. Since my discharge, I have not applied for or obtained any new debt, so it is impossible for me to owe this company.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (IN)

This company added fraudulent information on my credit report. They sent a letter to my a relative home that I never lived and I requested documentation to have them prove of this account to me and they never sent anything back to me but added this to my credit report and I sent documentation to them way ahead of time and they never responded but added this to my XXXX credit report. These people are unethical. This account isnt mines and thats why they are doing this to me. I called the company too and they received my response
Consumer complaint received 2022-08-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (DE)

I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2019-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HSBC NORTH AMERICA HOLDINGS INC. (OK)

HELLO, On XX/XX/XXXX I paid the total balance of {$5000.00} that is displayed on my HSBC Credit card account. Few days later, I had seen {$17.00} as late payment. I contacted customer care couple of times and I clearly mentioned that I made payment in full. I requested them to close my account. I have not received any confirmation that my account is closed. In the month of XX/XX/XXXX, I had seen another charge in the amount of {$37.00} as late fee. I contacted customer care again and clearly stated that I paid the amount in full and I requested to close this account. But the customer care keep on stating that their department doesn't handle these queries. They transferred my call to another department and they told the same story that their department doesn't handle credit card queries. They keep on transferring my call across multiple departments until i give up. Recently I got a year end balance statement and it is showing that I owe them {$180.00} in late payments. I contacted customer care again on XX/XX/XXXX and I clearly explained my plight. They again transferred my call to another department stating that they dont handle credit card queries. I contacted the number mentioned on their website and I contacted another number given to me by their online chat department. Now I received another number XXXX. I will contact them again tomorrow to resolve this issue. Their customer care department is playing with loyal customers if they decide to close their account. Felt very disappointed and very bad customer service.
Consumer complaint received 2023-08-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (SC)

Signed a loan for U.S auto sales. Currently paying for warranty and gap insurance. U.S auto sales randomly closed down. The warranty Im paying for doesnt exist and the gap insurance I pay for doesnt exist either. None of my payments have been going to my car loan. My car was illegally repossessed twice. They denied my auto claims for me to get my car fixed even though I was paying for warranty. Trunk wont close and they never fixed my broken tail light
Consumer complaint received 2019-01-22
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: Experian Information Solutions Inc. (TN)

identity theft.

unauthorized inquiries on report.

in attached police report XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-03
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. (NY)

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, NJ XXXX XX/XX/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 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 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

There are 3 accounts i have with XXXX XXXX and the accounts show late payments on my credit report. I had talked to the XXXX XXXX employee at the time and they said that they have noted the account with the financial difficulty and that there will be no negative reporting to credit agencies. Few month later The negative report showed up on my credit report, i have tried multiple times to contact them to resolve the issue and every time they deny the request.
Consumer complaint received 2021-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I am distressed that the creditors have included incorrect information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus should report only 100 % accurate credit information.
Consumer complaint received 2024-03-06
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. (VA)

Equifax Information Services LLC was send at XX/XX/XXXX by Certified Mail # XXXX XXXX XXXX XXXX XXXX and Domestic Return Receipt XXXX XXXX XXXX XXXX XXXX XXXX. The Domestic Return Receipt shows they receive the package XX/XX/XXXX. Equifax does not have my written consent to report these inquiries. Furthermore I DO NOT give Equifax permission to report the hard inquiries. Per XXXX XXXX XXXX XXXX purpose of consumer reports ( XXXX ) in accordance with the WRITTEN INSTRUCTIONS OF THE CONSUMER to whom it relates. Since Equifax does not have my written consent, they by definition have committed IDENTITY THEFT. XXXX XXXX XXXX Definitions ( h ) Identity Theft means a fraud committed or attempted using the identifying information of another person without authority. That being said, all information resulting from identity theft must be BLOCKED according to XXXX XXXX XXXX.
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

There are 3 accounts i have with XXXX XXXX and the accounts show late payments on my credit report. I had talked to the XXXX XXXX employee at the time and they said that they have noted the account with the financial difficulty and that there will be no negative reporting to credit agencies. Few month later The negative report showed up on my credit report, i have tried multiple times to contact them to resolve the issue and every time they deny the request.
Consumer complaint received 2019-09-16
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (NY)

We Purchased a house in 2016 and our loan was sold to Round point Mortgage. When we purchased the house for {$260000.00} it was far below market value as other homes in our development have sold for {$400000.00} and above. We have put over {$70000.00} into the home since we purchased it ; in updating and renovating. We have tried twice to get Round point to Drop PMI and the latest appraisal came back at LTV 77 %, they will not drop PMI even though we are under the standard 80 % LTV requirement. They charge a fee to have an appraisal done and if you don't agree with the appraisal you can pay an additional fee and Round point again can rule on this, even though they were the ones that originally denied your claim to have PMI removed. This practice i feel sets the home owner/ Customer up to never win any dispute. The purpose of PMI is to Protect the loan and the investment, when homeowners are willing to put that much money back into their homes shouldn't that also show the mortgage company the homeowners willingness to increase the homes value.
Consumer complaint received 2019-01-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CT)

Us Bank online bill pay - on two occasions overcharged in late fees double up the late fees. on two other occasion the late fees were applied to mortgage even when in the payment process there were assigned to late fees due. Currently there was 2 funds held in suspense which we set to be paid to late fees. They applied the funds to principle, and I have contacted Us Bank 5 times. Recorded the conversation on 2 occasions to resolved the matter. I was told the last time that this was corrected, and funds were reversed and applied to proper fees due. XX/XX/XXXX XXXX. When I checked on Monday XX/XX/XXXX the online systems still shows in correct, still show the 2 late fees due. The transaction summary shows they reverse my last payment. An not the missapplied funds for the late fees for {$100.00}. I have spent 10hours and 5 contacts to resolve this matter.
Consumer complaint received 2022-08-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX Radius Global Soulutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : I am the victim of identity theft. I recently learned that someone used my personal information to receive medical care with XXXX XXXX XXXX XXXX. This debt is not mine. In accordance with the Fair Debt Collection Practices Act, I request that you stop collection proceedings against me and cease communications with me about this debt, except to comply with section 615 ( g ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), as described below. I further request, pursuant to section 615 ( g ) ( 1 ) of the FCRA, that you notify XXXX XXXX XXXX XXXX that the debt is the result of identity theft. 
My personal information was used to obtain medical care in my name, which I am not responsible for. An identity theft report will be included. Also a police report is in the process of being filed in regards to this matter. Enclosed is a copy of the Notice to Furnishers of Information issued by the Federal Trade Commission, which details your responsibilities under the FCRA as an information furnisher to credit reporting agencies. 
The Notice also specifies your responsibilities when a credit reporting agency notifies you under section 605B of the FCRA that information you provided to it may be the result of identity theft. Section 615 ( g ) ( 2 ) of the FCRA requires debt collectors to provide identity theft victims with documentation about an account if the victim asks for it. 
Please provide me with the following documents related to this account : 1. Application records or screen prints of Internet/phone applications 2. Statements or invoices 3. Payment/charge slips 4. Investigators summary 5. Delivery addresses 6. All records of phone numbers used to activate or access the account 7. Signatures on applications and accounts 8. Any other documents or records associated with the account Please send me a letter detailing the actions you have taken to : 1. notify the original creditor that the debt is the result of identity theft ; 2. stop collection proceedings against me ; 3. cease reporting this information to the credit reporting agencies ; 4. provide me with the information I am requesting ; and 5. take all actions required of you as a furnisher of information to credit reporting agencies. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX Enclosures : I have attached to following documents FCRA 615 ( g ) ( 2 ) FCRA 605B FTC Notice to Furnishers of Information Identity theft Report Identity Theft Letter to debt collector Police Report ( Pending Deputy Signature )
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are 3 accounts i have with XXXX XXXX and the accounts show late payments on my credit report. I had talked to the XXXX XXXX employee at the time and they said that they have noted the account with the financial difficulty and that there will be no negative reporting to credit agencies. Few month later The negative report showed up on my credit report, i have tried multiple times to contact them to resolve the issue and every time they deny the request.
Consumer complaint received 2021-08-19
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. (FL)

I XXXX XXXX obtained a 12-month forbearance on my mortgage from XXXX XXXX XXXX this past XX/XX/2021. I am attaching a copy of the forbearance agreement. My mortgage was supposed to be posted as Current - Never Late under this agreement. I have survived a horrible case of XXXX, and I was entitled to this forbearance. Accordingly, I request the credit reporting agencies to help me obtain the proper credit rating I was granted through the forbearance agreement submitted. 

XXXX XXXX
Consumer complaint received 2019-01-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BB&T CORPORATION (VA)

I have been a member of BB & T since XXXX. Back in XXXX I switched my account so I would not have to pay any fees. My interpretation of what was told to me is if I had over four hundered dollars in my savings and kept over 1,500 hundered in my checking my accounts would not be charged. If you look in my checking account, I always had more than that and had my direct deposits sent in there as well. As for my savings, I never touched it. I thought my saving would be getting interest. Isn't that what a savings account is supposed to do? This past XXXX in my statement I saw that my savings was at a zero. Come to find out BB & T has been charging my account a maintanence fee as well as a inactive fee, eventhough my paychecks have been going into my checking account and I have been having automatic drafts out of my account and writing checks to vendors. When I confronted my branch about it, I was told that it was my responsibility to keep up with my account. They said they will look into though and try to get my funds back ; however, after two weeks the branch manager called me and told me that he did everything possible but the bank will not refund me my funds and said sorry. I then contacted BB & T hotline and after talking with the customer service rep that they could refund up to XXXX of the funds. I can't remember if the rep said I would get more of my funds back or not. But I was told that it was my responsibility to keep up with my account. This was a savings account. I did not expect to be charged XXXX a month for fees and have it depleted. I had that as a reserve in case of an emergency.