davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One claims my payment to be late when they received it on XX/XX/XXXX through USPS. This is unfair practice and is embarrassing to my credit report. Where is the fairness Pursuant to 15 U.S. Code 1681? This is defamation.
Consumer complaint received 2019-07-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America closed my checking and savings accounts without warning for " fraud '' on XX/XX/XXXX. It was because I deposited three legitimate checks on XX/XX/XXXX which were issued by the U.S. Treasury with its seal specifically for the XXXX XXXX, my employer, and you didn't like them. 
They refuse to admit their mistake. I have sent their Risk Department proof that these are valid checks : images of the previous checks they accepted in XXXX, XXXX and XXXX, images and check numbers of the attempted deposit, copies of my pay stubs, even a letter from the XXXX XXXX Disbursing Office saying these three checks are valid. I can send check images if they are necessary. Attached are the pay stubs and letter from Disbursing. 

I have visited a branch 10 times, called Risk and various departments 20 times, and waited OVER A MONTH to get my money back. No response except " you'll have to wait until our investigation is complete. '' The three checks they are withholding for fraud total {$1200.00}, or {$420.00} each. 
In the meantime, I can't bank anywhere. Not with BofA because my account is closed. Not with another bank or credit union because my history now shows " fraud. '' I'm living on my cash reserves. Meanwhile, my credit card accrues interest, I can't deposit my paychecks because I can't open any other checking account, and I can't even deposit the other funds I had in my BofA account because again, no one wants to have a customer with a mark of fraud.
Consumer complaint received 2019-05-03
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MONEY SOURCE, INC., THE (CA)

I am filing a complaint because the Money source has failed to provided the correct information. They are stating to the lender I have been late 13 times in the last 12 months, then another rep states I have been late 2 times and then another rep say 10 times. XXXX has tried to gather information in order to pay off the money source and close my loan. the money source has done this to previous costumers in the past as you can view these complaints at the XXXX. I have filed with them as well. I need further help. 

After sending the email below, XXXX XXXX from The Money source called me. There are so many conflicting documents and information being thrown around and that is not fair to our borrower. The one thing every agent ( we worked with 4 ) from the money source can agree on is that there have been 0 late  payments in the last 12 months. Going back further, Keep your home CA was making those payments on XXXX behalf. That is why we are paying off keep your home CA with this refinance transaction. 

The Money Source does not do verbal verification with XXXX and us, however, we got them to give us the information from 2 different agent and both had different information the rules and they accepted to do 2 previously. Yesterday, XXXX, myself and the borrower were on the line for over 2 hours trying to get the dates of the 4 late payments added to the last supplement. However, no one would give us that information. They said theyve given all they can and they can no longer accept any phone calls. 



Ive received the following attached documents all within the last week. As you can see, they all have very different information. 

The last 2 attachments are from verbal verifications we did on the phone with you ( The Money Source ), XXXX and the borrower. That is what we prefer. However, if you are unable to do a verbal again - that is fine. We can accept something showing The Money Sources name on the top. 

I am needing the following information : Has XXXX XXXX been had any late payments in the last 12 months? XX/XX/XXXX-XX/XX/XXXX. If so, what dates did those late payments occur? 
Has XXXX XXXX been had any 30+ day late payments in the last 24 months? XX/XX/XXXX-XX/XX/XXXX. If so, what dates did those late payments occur? 
Next payment date for his loan Last payment date for this loan Was this loan included in his bankruptcy? 
What is the outstanding balance? 

These were email correpospedece with them. 

They have refused to provide the correct information and the loan is unable to close because of this.
Consumer complaint received 2019-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I had an auto loan with Fifth Third bank. A repo occurred in XXXX or XXXX of XXXX. 
XXXX and XXXX are still reporting " Redeemed Repossession '' under the comment columns. At the end of XXXX, I've disputed with XXXX and XXXX to remove the comment, but they are unable to see/understand what section I'm referring to. I have also contacted Fifth Third in XX/XX/XXXX. I received a response that the credit reporting is accurate. Once again, because they are not referencing the Comment section.
Consumer complaint received 2024-02-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

Summation : Fifth Third Bank failed to admin my account properly. At first, I believed that this was gross negligence, now I believe it to be much more. Fifth Third Bank took my payment/s and misapplied them. They even sent back payments as I attempted to keep making payments while they researched this matter. They were setting this up for years as they repeatedly attempted to say I missed payments. So much so, that my attorney had to send them proof of payments. I had to hire an attorney to defend their foreclosure attempts. They have not made ANY attempt to take accountability. 

On XX/XX/XXXX I sent a letter to : Fifth Third Bank Office of the President, ATTN : XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX, OH XXXX In this letter it is stated : Please find enclosed proof of payments from XX/XX/XXXX through XX/XX/XXXX. Enclosed there is also the proof of the XX/XX/XXXX payment that was returned by Fifth Third Bank ( including the letter ). That return and letter effectively halted my ability to make payments to Fifth Third Bank until the payments that were not accounted for were credited to my account as Fifth Third Bank would not accept any continuing monthly payments. The issue with my account is solely due to Fifth Third Bank. As I have attempted to remedy the situation, the multiple times I have sent documentation to Fifth Third Bank. Listed below are the simple steps Fifth Third Bank can take to remedy this situation. If we can not remedy this situation, please move forward with your legal proceedings and I will retain counsel. This issue has caused significant and unwarranted stress to my family and I will await your response. 
Steps to Remedy the account status : XXXX. Update the account to reflect payments made through XX/XX/XXXX XXXX. The months that payments were not allowed to be made ( XX/XX/XXXX- XX/XX/XXXX ), defer these payments to the back end of the loan agreement. This would effectively place the account in a current status and I would make my XX/XX/XXXX payment. 
XXXX. Lastly, allow for the payments to be made electronically. This would keep a digital record of the payments and stop the additional costs I have paid to submit the payments.
Consumer complaint received 2023-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I requested a refund on XX/XX/XXXX and was granted one on XX/XX/XXXX. The credit card company never refunded my money and made my account liable for the amount I was supposed to be refunded. I have contacted the company numerous times and was told I was already given a refund. As of XX/XX/XXXX my account has not received payment.
Consumer complaint received 2022-12-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (GA)

I have an account with navy federal and I suffer from XXXX  I had an episode went to the hospital and someone used my account in the process to deposit a check and withdraw the funds. I have no way of knowing who did it because I was in the hospital and it left my account in the negatives how do I fix it because I cant open a bank account now
Consumer complaint received 2019-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX credit card is reflecting negative on my credit report. They have sent me several of letters stating that they would not put it on my XXXX XXXX credit report. I have disputed several Times in they continue to not remove my credit report. I have sent the letter in more than once. It is only reflecting a late payment. I have requested several times for to be off my credit report to one will not provide me detail information regarding this account. They just recently added it on my experian credit report. The credit report does not have any detail information regarding this account. I am requesting Experian remove this from my credit report. I also would like to have XXXX XXXX, XXXX, and Experian validate the account or remove it from my credit report. Both account entails something different on both account. Please provide the FTC the letter that states that XXXX XXXX has agreed to remove from my credit report. The late payment reflects that it will be removed from my report this year.
Consumer complaint received 2023-03-25
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On XX/XX/XXXX I made a {$2000.00} check deposit. BOA put a hold on my deposit until XX/XX/XXXX. I have verified that BOA took the money out of XXXX XXXX  on XX/XX/XXXX. Why do I have to wait 7 business days for a check that BOA have already received.
Consumer complaint received 2019-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Contacted " XXXX XXXX XXXX '' on CFPB and they seem to think that their late marks on my credit report are correct. They stated that they received my Bankruptcy notice in XX/XX/2017. I filed in XX/XX/2017 so the late marks are irrelevant. They need to remove them. They stated that I have to file a complaint with one of the 3 major credit bureaus.
Consumer complaint received 2021-09-23
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: Experian Information Solutions Inc. (GA)

Credit Bureau fails to provide method of verification. On ( XX/XX/XXXX ) I requested an investigation because I felt the item is not being reported legally according to the fcra. I sent a letter of verification on XX/XX/XXXX. Credit Bureau continues to update with consumer disagrees without addressing the request at hand.
Consumer complaint received 2024-02-14
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. (TX)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2024-02-13
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. (IL)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2019-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Regarding Capital One 's XXXX XXXX. The president sends out a communique that says we will handle etc. However, the customer service delivery group did not get that missive. I contacted CapOne yesterday to determine if I was impacted my the recent CapOne employee data breach. I reached the XXXX  customer service center ( around XXXXCST if you want to pull the call ). Her comment to my inquiry was, data breach?. She didnt even understand the word much more the answer to the question. I called back but again got the XXXX so hung up. I then called the escalation group and spoke to XXXX. He wasn't an engaged person and had trouble understanding him as well. the net is that I still do not know if I was impacted and NO MANAGER will call me back. 

I contacted investor relations in hopes that they could send my requests to the proper manager. I simply wanted to know if I was impacted by their disgruntled employee who hacked their system. 

There is a class action lawsuit ( so I am not the only one who sees that this is being handled poorly ) but I would prefer to get an answer ( and now an apology ) to my simple question. Why do big companies behave so badly?? 

XXXX XXXX
Consumer complaint received 2019-05-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (NH)

Received American Express Serve Prepaid Card in the amount of {$25.00} as a XXXX present. When trying to use the card now, for the first time, XX/XX/2019 there is no balance left on this card. American Express has charged {$5.00} per month for XXXX through XXXX so that there is only {$1.00} remaining. The card was never out of the wrapper until today. It makes no sense that they can charge a fee for a card which is not even out of the wrapper it was sold in. No services have been rendered for which a fee should be charged. This is a rip off from them, getting money for nothing. This is theft by deception for absolutely no benefit. I've called the company and have been told that there is nothing they can do.
Consumer complaint received 2023-02-10
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: CITIBANK, N.A. (MA)

Citi bank has been lowering my credit limit on my card. The most recent letter states it was because I dont have the score necessary to maintain the limit due to : negative public records, delinquency, not having credit open long enough etc and that they are using XXXX for my score and it is reporting a score of XXXX as of XX/XX/XXXX. This is not true I have no late papyments, negative public record or negative items in my report. I confirmed with XXXX online and over the phone. They are showing my score as XXXX and per the XXXX rep on the phone yesterday theyre is no way they are getting that low score for you from us there is nothing in your credit report to generate that low score. I have called Citi bank multiple times and they can not or will not give me an answer as to what is driving my score down on their systems or what the negative items the letter references are exactly. At one point an account manager XXXX got flustered with my questions and lied to me saying she was transferring me to the credit department but instead just sent me back to main customer service line. While in the phone at another point with a customer service representative XXXX he stated at one point there was an issue with the system feeding in wrong scores but that should have been fixed and was a while ago. 
I submitted the dispute of the score through Citi but got a letter on XX/XX/XXXX saying everything was accurate without any further details or supporting evidence or documentation. 
My feeling is that there must be some sort of system issue where scores are being mixed up or they are pulling in a similarly named persons score. They stated that the credit lowering process is automated by the system and no one is reviewing it and based on my calls its is sounding like nobody at Citi customer care knows how it works. There looks to be the possibility of it is a system issue to have a greater impact than just myself and the process of them regularly lowering the credit limits to within a few hundred dollars of the outstanding balance that has always been paid in time could lead others to go over their credit limits and negatively impact their accurate score by using more of the percentage of total credit available. It looks to be to be both unfair and deceptive as the score is wrong and they will not give me a complete and supported answer i to what is the cause of it, while trying to just get rid of me on the phones as opposed to giving real answers to find the truth. 

I do apologize for any typos and formatting errors in this write up as I am doing it on my phone.
Consumer complaint received 2022-10-14
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. (SC)

I have contacted each credit bureau several times in reference to these accounts on my credit report that I never opened and are not related to me. To date they have not provided me with any verifiable proof of these accounts. All I get back is a simple template letter stating was verified. Here are the accounts in question : 1. XXXX XXXX Account Number : XXXX 2. XXXX XXXX XXXX XXXX Account Number : XXXX 3. XXXX XXXX XXXX  Account Number : XXXX 4. XXXX Account Number : XXXX 5. XXXX Account Number : XXXX In accordance with the Fair Credit Act XXXX  the Accounts listed in this complaint, have violated my rights. 

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

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Act XXXX the information provided below has violated my rights. 

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

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-25
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. (TX)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-07-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (PA)

I have contacted the purported original creditor ( XXXX XXXX  ) and the only only record of an account bearing my name, signature, and information is the one currently open and active on my credit report which is good standing and never had a late payment. 

Multiple requests for Midland funding to prove my responsibility of debt by producing signed contract for the account and they refuse to. The account is still on my credit report and they have never responded to my written requests for original documentation. 

I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX XXXX mo XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

This account is showing as open and they have increased the alleged debt rather than removing or producing evidence of my liability.
Consumer complaint received 2019-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Sterling Infosystems Inc. (OH)

During the hiring process with XXXX XXXX, they ran a third party background check via Sterling XXXX XXXX. They provided XXXX with Information that is nine years old and my job offer was revoked based on the old information. The report was requested on XX/XX/2019, my report was complete and given to XXXX on XX/XX/2019.