davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (GA)

I posted my XXXX  XXXX on XXXX for XXXX and received an offer from a gentleman. The man states he lived in Florida and wants to use the XXXX as a XXXX for his hunting camp. He stated he would send me a certified check for the amount and after I cashed it and the monies cleared he would arrange a car carrier to pick the XXXX  up. I told him that was fine and would be looking for it. I received the check via XXXX two days later for the agreed amount of. {$5600.00}. I was skeptical being the gentleman was from out of.town so once I received the check I called the bank on the front of the check to verify funds and all was good. I then did a mobile deposit for the check and went on with my day. There was an automatic 10 day hold which I totally understood and didn't complain. Three days later I noticed the deposit had been removed from my account all together. I called the bank and they stated I was being investigated for Deposit Account Fraud and were freezing my account. I was appalled and have called them daily all week to find out the status. There was no deposit account fraud and I never received any money from this check but yet they are holding my checking account hostage with close to XXXX in it and I am unable to purchase gas to even go to work. When I call i get the same answer. We don't know how long it will take. I even went and opened another account at another bank but can't fund it until they release my funds or I get paid next week. I have been banking with this facility for 10 years. I really need help and don't know who to turn to.
Consumer complaint received 2019-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

Equifax, XXXX and XXXX are all reporting incorrect information for XXXX XXXX ; Therefore in violation with FCRA guidelines. They have incorrect open dates all showing different, they have incorrect amounts and status. It so many discrepancies and have been in full violation of FCRA, because of this they must permanently delete this from my credit profile and do not continue to report from this debtor. I have attached screenshots showing proof of the erroneous information.
Consumer complaint received 2019-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (TX)

I have contacted XXXX XXXX about a fraudulent company, XXXX XXXX XXXX, based out of XXXX who were improperly handling thousands of consumers accounts and charging clients fees to lower student loan payments. From high fees to improper usage of student loan accounts, the company ran by XXXX XXXX defaulted on a lot of clients student loans from not properly documented student loan information. XXXX has been featured in the news as a fraud : XXXX XXXX XXXX I have contacted XXXX XXXX and have asked the late payments to be deleted as I was unaware of them until months after it appeared of my credit report. Unfortunately, they referred me back to XXXX XXXX who has yet to return a phone call. These late payments are greatly impacting my credit score and causing XXXX as I am wanting to purchase a house soon. Please help me remove these reported late payments from my credit report. I feel as though as my rights are being violated due to being victimized by a fraudulent company.
Consumer complaint received 2015-08-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

Upon presenting a personal check on XXXX separate occasions, merchants being, XXXX, and XXXX my. Check was refused. Advising me ceretgy advised them not to accept my check and that i need to contact ceretgy i did so XXXX times and each time i was told there was nothing in their system indicating a bad check. Or a debt in collection nothing
Consumer complaint received 2021-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On my Bank of America statement XX/XX/2021 there was a fraud charge on my credit card for {$62.00} to an unknown company XXXX XXXX XXXX XXXX. Fl. I immediately informed the bank they sent me a new card, and credited the account, The fraud phone number XXXX account ending with XXXX My XX/XX/XXXX statement had the charge again. I have spoken to several associates with no resolution. I have asked the bank for backup they keep transferring me with a hold time of half an hour. This is frustrating. 
The bank said its a rental property and this is fraud we have no rental property. 

Please help XXXX and XXXX XXXX.
Consumer complaint received 2019-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting.
Consumer complaint received 2021-04-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: NAVY FEDERAL CREDIT UNION (DC)

Thank you Financial Consumer Protection Bureau for operating this consumer Complaint Center. I had a hard time trying to find someone for help. 

Navy Federal Credit Union Member XXXX XXXX XXXX Checking account ending in XXXX XXXX XXXX XXXX XXXX Member XXXX XXXX Reference : Incident # XXXX XXXX Without an authorized ACH affidavit signed by MsXXXX XXXX XXXX XXXX a Navy Federal Credit Union member XXXX Navy Federal Credit Union withdrew and transferred {$860.00}. from her checking account to an outside XXXX XXXX XXXX XXXX account in the name of XXXX XXXX. This illegal transfer by Navy Federal Credit Union was done on XX/XX/2020. 

Due to Navy Federal Credit Unions internal failure ... MsXXXX XXXX was without her necessary funds ( in the amount of {$860.00} XXXX for 13 consecutive days. 
a. XX/XX/2020 illegal transaction - withdraw and transfer to XXXX b. XX/XX/2020 NFCU provided a provisional credit to XXXX ' checking account NFCU 's refused to response by post mail ( as was the form of communication initiated by the NFCU member ) - instead they sent an undisclosed email response of having no liability in their error. Instead, NFCU wrongly pointed their fingers at XXXX XXXX, " ... XXXX holds the responsibility to ensure that the debit was authorized ... '' Navy FCU has not reference their assertion to banking law and plays on the member 's XXXX XXXX XXXX ignorance. 

Ms. XXXX XXXX did not authorize Navy Federal Credit Union or sign an ACH affidavit allowing XXXX XXXX XXXX XXXX to make a withdraw from her checking account ending in XXXX.
Consumer complaint received 2019-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting.
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a victim of identity thief..I have a police report to support my claim..there are inquiries on my report that are a result of identity thief..they are the following.. XXXX XXXX XX/XX/XXXX..XXXX XX/XX/XXXX..XXXX  XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX  XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XX/XX/XXXX.. XXXX XX/XX/XXXX.. XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX  XXXX XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX.. XXXX XX/XX/XXXX.. XXXX XX/XX/XXXX..XXXX  XX/XX/XXXX.. XXXX XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX.. XXXX XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2016-05-27
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (FL)

This is a complaint against Bloomingdale 's Credit Card and Bloomingdale 's Credit Card ( American Express ). The motive of this complaint is because I have both of the credit cards blocked for about 2 to XXXX weeks. I have a high frustration for the personnel that functions these credit cards. Every time I buy something in the store, I have to keep calling the Department of Fraud to keep verifying my identity. I can understand that it would happen a couple times by error, but it has happened 10 times. I am insanely mad with the waste of my time and credit because of the frustration of this situation. What else do they need? They keep calling and I have to keep verifying my identity every time. They send me messages with codes, I give them codes and this keeps going on. I ask them, how far will this go? I ca n't do anything or check anything because of the constant blockage. 10 days ago I had bought a large amount of items and when I went to pay the account was blocked once again, and once again I had to do the whole process over again. But this is the limit that I 'm going to take with my patience. This department of fraud says that I have to receive a letter and follow those steps to get my account to normal. They told me that I had an account for Macy 's and it was opened by fraud, which is true because I was a victim of identity theft but this problem was resolved with the Department of Fraud of Macy 's. And everything was resolved through that department and Consumer Financial Protection Bureau. I am tired of the lack of respect with so many verification that I have to do.
Consumer complaint received 2020-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (RI)

Rushmore unpaid amount is in error. I have discussed this issue with them recently I even provided Rushmore copy of my previous servicer of my account showing overpayment. 
I would like to receive back-up information from Rushmore how they arrived to this amount. 
at the same time my XX/XX/XXXX monthly due is higher than previous one. I checked with the city assessors that my property tax has not changed at this time it might even go down. 
please provide me how you come up with this monthly due. 
I would like to request that I will be given a chance to pay my property tax and homeowners insurance myself so that no more escrow.
Consumer complaint received 2016-07-13
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (IL)

Through our recent experience, Citi Bank Credit Services has not followed the requirements of the Credit Card Act of XXXX. 

-Citi Bank put our XXXX payment, after a mere 2 days late ( more information below ) immediately into default mode with a penalty APR of 29.99 %. They did not respect the 30 day window the law grants us to make a late payment without APR increase. 
-In their notice to us ( which was embedded on page XXXX of our statement ), they do not clearly state when the penalty APR will be lifted. The law requires that our account is reviewed within 6 months and that this be stated on the notice. 
-They also did not inform us that we were legally permitted to cancel the account, maintaining the original APR within 45 days. 
-They are using our payments towards the lower APR first, where the law requires them to use our payments towards the the higher APR first. 

Additional Information : In XXXX, we were 5 days late paying our bill as we were out of the country without internet. We paid immediately upon our return and contacted the company on XXXX XXXX to confirm there were no issues with our late payment. They waived the fee and said there were no repercussions of our actions. However, as of XXXX XXXX, our APR increased to the penalty APR of 29.99 %, effective on our XXXX bill. We have called multiple times to discuss this issue, with no success.
Consumer complaint received 2020-09-22
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. (NY)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2019-10-31
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Beginning of XXXX after checking my credit status via XXXX XXXX app I discovered a charge of {$350.00} on my Capital one card. I have never activated this card nor authorized the use or used or made the reported charges. I contacted Capital One right away to dispute the charges but they actually told me that no such charges exist on my card. Today I received a statement from Capital One for {$380.00} the amount due plus late fees. I never received statements prior to the one mentioned above. I contacted Capital one again and they reported that after investigating my claim the charges are valid and that I should contact the merchants directly to dispute the charges. I attempted to contact merchants but none answered my calls. I have been a victim of identity theft two years ago and in fact still suffering from it. Please help me resolve this problem ASAP.
Consumer complaint received 2021-03-30
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: Early Warning Services, LLC (NY)

I am filing a complaint on Early Warning Services cause they have me in their system and I have been a victim of Identity theft. I am having issues opening a bank account due to a XXXX XXXX  XXXX account that was opened fraudulently in my name. I have filed a police report and tried to clear the report with Early Warning Services but they have failed to remove the fraudulent reporting or send me a report with any other information that might be fraud.
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

XX/XX/2020 XXXX XXXX XXXX Those cases are Fraudulently manipulating the score factors of Experion which by federal law is illegal and violating their CRA. It needs to be corrected. Im taking this Results to congress. Im in Washington D.C.
Consumer complaint received 2023-01-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/2023 I was returning a call to office of the president for my auto loan. I went through all the normal verification of social security number and date of birth which the rep always thanks you for verify information and says they have account in front of them when they answer. Only this time when representative shouldve started talking it was an open line to which I said hello, several times and then a child started talking said something and disconnected the phone. I called back immediately, explained what happen and they pulled the call. Representative confirmed it def sounded like a child and a complaint would be handled internally!!! What about a security and rights to privacy? How many others times has this representative allowed someone else to do this? I wanted my loan either paid off so I didnt have to deal with them any more and was told there was no security breach????
Consumer complaint received 2020-09-22
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. (PA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2020-09-22
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. (VA)

AFTER REVIEWING MY CREDIT REPORT, I HAVE DISCOVERED INACCURATE ITEMS ON MY CREDIT FILE THAT DOES NOT BELONG TO ME AND THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT. I HAVE MANY BUSINESS OPPORTUNITIES AND I WONT BE ABLE TO GET ANYTHING DONE WITH FRADULENT ACTIVITY ON MY FILE. PLEASE HAVE THOSE ACCOUNTS REMOVE AND PERMANENTLY DELETED OFF MY CREDIT REPORT.
Consumer complaint received 2020-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

National Credit Systems has been reporting a collection account with their company on all three of my credit report since 2018. The original creditor is XXXX XXXX XXXX. I have never leaves in this apartment complex nor ever signed a lease to lease an apartment from them. I have on numerous occasions disputed this said account with the collection agency and the three bureaus to no avail. I want this collection removed from my credit reports and them held accountable for their erroneous information.
Consumer complaint received 2015-09-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (PA)

I had an account with XXXX many years ago. We moved to a state where XXXX did provide service. This was over 8 years ago. XXXX did not have coverage for this area and we asked to be released from the agreement. They did this for us with no questions asked. 

Then, MCM began to call/send letters demanding money for an account we had with XXXX. I asked MCM for a detailed explanation as to what the charges are for and they provide me nothing. 

I just got off the phone with XXXX today ( representatives name was XXXX ). XXXX tells me that she can not provide details of what those charges are as they sold my full account to MCM and are not able to see the details any longer. 

I then hung up and called MCM, again. I explained the situation and the representative ( XXXX XXXX sp? ) explained to me that he could not see the details. I told him that was wrong and I have asked for this information numerous times. He said I could file a dispute and I told him I felt it was wrong that they continue to tell me these things and nothing happens and that I was going to report their company to the CFPB. He immediately said he was going to put me through to another extension and said the XXXX digit number and I immediately heard hold music. After being on the call for XXXX minutes ( mostly hold time when he transferred me to some other group ) I disconnected the call. This happened at about XXXX EST XX/XX/2015. 

All I am asking for from MCM is a detailed listing of the charges they claim I owe to XXXX. What I do n't understand is how they can do this and pass audits or financial reviews from XXXX party auditing companies without being able to provide that type of documentation or at least produce those in the files. They should be required to keep detailed account history of what they are collecting on and should arm their agents with the details so that they can speak intelligently to the consumer. I feel this is unfair and deceptive. 

We receive countless telephone calls from MCM as well as letters. The most recent letter actually reads " ... do n't miss this opportunity to say $ XXXX off your current balance of $ XXXX. We would forward to assisting you. '' They do n't assist you when you ask them for details on what they are collecting ; they only want your money. 

Please understand that I do n't have any issue in paying any amount that I may owe. As noted, when I ask for those details they ca n't or wo n't provide it to me. It just does n't seem legal that they can do this to someone. It would have been taken care of immediately if they had provided me the details when I asked but I refuse to pay something blindly.
Consumer complaint received 2020-09-22
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: EQUIFAX, INC. (TN)

On XX/XX/2020. I sent out a letter to each of the three credit reporting agencies. In theses letters I disputed the validity of said accounts Today is XXXX and the credit reporting agency has yet to respond back they havent even had the decency to update the accounts as under investigation. Ive sent out a 30-day demand letter because they are in violation of my consumer rights but the law under FCRA.