davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-15
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: BARCLAYS BANK DELAWARE (GA)

Barclay 's Bank Delaware XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told by barclays bank that it was removed but it still on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I spoke with XXXX XXXX XXXX  and they said it's not showing anything on there end
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: VW Credit, Inc (CA)

VW. Credit/Audi Financial- reported late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX reported late payments on XX/XX/XXXX 15 U.S.C 1666 ( b ) - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY PURPOSE.

12 CFR. 1026.13 ( d ) ( 2 ) - Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.

They are in violation of my privacy rights per the Privacy Act of 1974.

It is illegal to report transaction history therefore reporting inquiries and any transaction history with a financial institution is illegal. All inquiries being reported are to be DELETED from this report as it is illegal.
Consumer complaint received 2021-06-08
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: CITIBANK, N.A. (NY)

I am a victim of identity theft. The accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.
Consumer complaint received 2019-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (WI)

In its response to a complaint submitted through the CFPB ( XXXX ), BMO stated that it had conducted a " careful '' and " thorough '' review of my account and determined that I was " qualified to receive the bonus of {$XXXX} ''. However, only {$XXXX} was deposited to my account by the bank.
Consumer complaint received 2018-02-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (PA)

PNC has gotten in the practice of not posting transactions until late at night in order to charge you overdraft fees after their cutoff for transfers. My account did not appear negative until they charged their over draft fees ( 1 of which they're claiming for a {$1.00} transfer to a savings account XXXX Zero transparency in their online banking. spent 30 minutes on the phone being talked down to about keeping a check log book. I spent more money on their overdraft fees than on anything else and I'm done with them.
Consumer complaint received 2021-02-02
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: EQUIFAX, INC. (NY)

I have disputed erroneous accounts that are present on my Equifax, XXXX XXXX XXXX  reports. I have not received a response within the necessary time allotted to the credit bureaus within the Fair Credit Reporting Act. I have provided the certified mail slips for the letters sent and attached the letters themselves. 

Certified Mail slips for letters sent to bureaus. 
XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 

- XXXXXXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXXXXXX XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX Here is a list of all my hard inquiries above that 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 an account without my written instructions
Consumer complaint received 2020-11-05
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NV)

After receiving my XXXX XXXX Benefits, I was finally able to reinstate my loan. A mediation date was scheduled with my lender. 

XX/XX/XXXX At the mediation my lender would not work with me and would take nothing less than the total lump sum amount to bring my loan current. No rules, regulations, or explanations where provided. The decision was made solely because " they just didn't want to ''. 

XX/XX/XXXX I received a bank statement stating, as of XX/XX/XXXX, the total reinstatement amount is {$46000.00}. It also stated, " if payment is received before XX/XX/XXXX, {$0.00} late fee will be charged. 

XX/XX/XXXX I ask for and received a letter with the full reinstatement amount. As the amounts preciously received were different by phone, then by letter, the online. In the letter now the " new '' reinstatement amount was {$47000.00}, an increase of {$1400.00} XX/XX/XXXX I paid the " new '' reinstatement amount of {$47000.00} XX/XX/XXXX I received a bank statement reflecting that I now have {$2500.00} of unpaid fees, with an additional {$510.00} already credited. A subtotal of {$3100.00} of " Total New Fees Charged ''. 


Corresponding with my lender, the answers to my questions have been explained inadequately. 

1. Why does my lender 's XX/XX/XXXX reply to my XX/XX/XXXX inquiry addressing these issues have a breakdown of the " Total New Fees Charged '' subtotaling {$5200.00}? I asked about this unexplained, arbitrary amount in my XX/XX/XXXX inquiry. There was no adequate explanation in their XX/XX/XXXX response, just a revised breakdown of the " Total New Fees Charges '' to match their claim of {$2500.00}. 

2. An analysis was done to calibrate my reinstatement amount shown in the XX/XX/XXXX letter that I asked for. Why, after I paid the total reinstatement amount was there another analysis done on my account developing " Total New Fee Charged '' of {$2500.00} on my XX/XX/XXXX bank statement? The XX/XX/XXXX letter clearly states " the next analysis of your escrow account is scheduled for XX/XX/XXXX ''. 

3. My lender acknowledged " inadvertently stating that SLS received a payment of {$47000.00} ''. After I sent them proof of my {$47000.00} payment. Do these " inadvertently '' mistakes and arbitrary amounts arise with all SLS clients, or just me?
Consumer complaint received 2021-05-31
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: CITIBANK, N.A. (AZ)

I was double charged for a purchase on my credit card after also paying for the item with a XXXX gift card. The total amount of the purchase was {$160.00} and paid with {$150.00} gift card and the remaining {$12.00} on my credit card. However, XXXX took the money off the gift card and charged my credit card. 

I contacted XXXX and they said they would reverse the extra credit card charges, but didn't reverse them. Then I submitted a dispute to Citi Cards sending all the receipts and correspondence with XXXX to the credit card company. This includes e-mails from XXXX stating the charges were in error. Citi cards denied my dispute even though XXXX didn't provide any evidence to them about the double charges ( only shipping information on the purchase ). Citi cards said could continue escalate the dispute if I sent them all the information I already sent them again, which I have escalated but shouldn't have had to resend.
Consumer complaint received 2020-11-05
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. (NV)

From XXXX I had an auto loan. In XXXX I paid it off. During that time I was several times late with payments ( 30 days ). My first delinquency was in XX/XX/XXXX, then XX/XX/XXXX, in XX/XX/XXXX and then XX/XX/XXXX. I have a credit reports dated beginning of this year ( XXXX ) proving this information. In XXXX I called credit bereaus with a request to remove this account from my report because it's been 7 years from my first delinquency. The answer was - your first delinquency was in XX/XX/XXXX, so you have to call in XXXX and we'll remove it. So, I called 2 days ago, on XX/XX/XXXX ... and now I was told that my First delinquency was in XX/XX/XXXX and now I need to call them back in XXXX .... So I requested a new credit reports from all 3 bureaus and those report now showing a different data from for e.g. XXXX reports. So, instead of removing account, they just changing Late payments to in-time payments, 1 by 1. Month by Month. I disputed this account 10+ and every time a hear a new excuse why they don't remove it. I'll attach a copy of reports for that account.
Consumer complaint received 2020-01-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Someone logged into my Bank of America account and transferred funds via XXXX to two separate individuals. 

One amount was XXXX it occurred on XX/XX/XXXX The other another was {$1200.00} occurred on XX/XX/XXXX I have contacted Bank of America and explained I didnt authorize these funds. They said there is nothing they can do. 

I was also sent a check for work performed. The check cleared ( bank if America cleared it ). The amount of the check was {$6300.00}. Two days later it shows the funds as NSF and they charged me a fee and told me that because deposited the check it isnt fraud. How was i to know the check would bounce. Especially if I was saw that it was cleared. They are saying its not fraud and theres nothing they can do. 

I have filed a police report and an fbi report as well.
Consumer complaint received 2020-10-20
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: BARCLAYS BANK DELAWARE (AZ)

I signed up for the Barclays Arrival+ credit card specifically for its advertised travel cancellation and interruption insurance. I submitted a claim earlier this year, # XXXX to Barclays through the CFPB website. They misunderstood the complaint and immediately denied it. 

My trip was cancelled because of COVID ; this is clearly an acceptable reason pertaining to " travel cancellation and interruption insurance ''. The trip never started because of the pandemic. I provided Barclays Mastercard insurance with all the required documentation.

Barclays response noted they don't reimburse due to an airline filing bankruptcy. The airline only filed bankruptcy for their own financial matters ; the airline has NEVER stopped flying. The primary cause of the trip cancellation was COVID ; not the bankruptcy. 

I was penalized a {$300.00} per ticket charge ; and I am seeking {$600.00} reimbursement for the penalty fare imposed by the airline.
Consumer complaint received 2021-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I sent in my FTC report because someone was applying using my personal information for their personal gain. I had unauthorized inquiries show up out of nowhere. I spoke to XXXX from the Transunion fraud department and he confirmed that he would mark the inquiries as fraudulent and said they would be off my report within 48 hours. It is Monday XXXX. I spoke to XXXX last Thursday XXXX and these fraudulent inquiries are still on my report. 

The confirmation number from my call is XXXX. 

If this continues to be ignored, I will file litigation.
Consumer complaint received 2021-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (NY)

Creditor : Target Red Card Issue : Fraudulent activity on account ( I've been on autopay since XXXX because I enrolled in their debt relief program which automatically enrolled me in a payment play to pay {$64.00} a month for 9.99 % APR until I paid off the credit card ). According to Target, there was an unauthorized approval from their end to cancel my debt-payment plan, I asked for a copy of my updated service agreement, and they refused, they reported inaccurate information regarding a late payment I was never alerted about to all three credit bureaus, they were unwilling to work with me and transferred my call to multiple departments with no help, I had a copy of the original credit card agreement in front of me, and they straight up lied about what their policy is, my total credit line amount decreased from $ XXXX to $ XXXX, my APR % spiked, and my monthly pay almost tripled than what I could afford. 

In week of XX/XX/XXXX : Called Target, and they were not helpful.
Consumer complaint received 2022-10-14
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: Resurgent Capital Services L.P. (GA)

I've been fighting this account for years to no avail. I have sent in proof showing I was in the XXXX for a long period of time due to being diagnosed with XXXX. 

I had many accounts that popped up on my credit profile that weren't mine, but I was able to get them removed. This account has been removed, added, updated and everything in between. 

I'm wanting to purchase a XXXXe one day and don't think its fair that someone took advantage of me while I was at a weak point in my life, but after proving this account isn't valid, its still not being removed. 

Please help.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

Experian has changed my name to a name that is not mine on my credit report without any legal documentation in that name on file. They are refusing to change it back without me submitting multiple forms of ID. And refuse to acknowledge their error.
Consumer complaint received 2022-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Wealthfront Corporation (KY)

I had some unauthorized transactions that began on XXXX and ended on XX/XX/15. The bank decided against me even though I did not make the transactions. In total it was XXXX dollars money I do not have to lose.
Consumer complaint received 2024-03-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (CA)

Received email from XXXX on XX/XX/XXXX stating that the co-borrower ( my ex-wife ) requested a XXXX XXXX. MrCooper Approval letter was attached, which stated that they were placing the loan into a Forbearance status. 

I immediately called the co-borrower ( my ex-wife ) but she vehemently denies requesting any type of financial assistance from XXXX. She responded to my email to confirm our conversation. 

On XX/XX/XXXX and XXXX, I contacted XXXX to request proof of any email or written request to put the loan into Forbearance. They have not provided this information and are merely stating that the co-borrower called and requested this over the phone. 

I was promised a Manager would follow up but have not received any callback from XXXX.
Consumer complaint received 2021-06-08
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: AMERICAN HONDA FINANCE CORP (NY)

I informed AMERICAN HONDA FINANCE before that this account was showing an inaccurate payment history. This inaccurate information continues to do harm to my credit. They didnt investigate! And where is my proof of payment history? They have to go back and take this off!
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AR)

More than once I asked Experian to verify to me how they obtained the Bankruptcy information on my Credit Report when I asked them for their Method of Verification. Instead, Experian indicated to me that the Outcome Remains, by stating to me that the company that reported the information has certified to Experian that the information is accurate. Experian was able to tell me that the company certified the Bankruptcy as accurate on my Credit Report, but they also certified that they do not really know what company gave them the information by their Wording! Experian said that they MAY have obtained the Bankruptcy information through a third-party vendor, XXXX XXXX XXXX XXXX XXXX. 
How can this Bankruptcy information be certified as accurate when you do not know where you actually obtained it from? When you say MAY HAVE, that indicates uncertainty, also Experian said that the information came from the Courts, I asked the Courts in a letter if they give out Bankruptcy information to third-parties, such as Credit Bureaus, XXXX etc. and the U.S. Bankruptcy Court sent me a letter back stating that they DO NOT PROVIDE INFORMATION TO ANY CREDIT REPORTING ANGENCY. All documentation has been uploaded and attached to this complaint for proof and verifying. 
The FCRA under Federal and State Law states, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of the furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The FCRA requires the Credit Reporting Agencies to follow reasonable procedure to assure maximum possible accuracy of the information they report to a consumers Credit Report. Since Experian do not know where they obtained the Bankruptcy information and the Courts have confirmed that they do not provide Bankruptcy information to any third parties, such as Credit Reporting Agencies, this Bankruptcy is inaccurate and unverifiable and must be deleted!
Consumer complaint received 2023-04-04
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. (CA)

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 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 2022-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 
This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2019-08-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TX)

On XX/XX/19 at XXXX on Coinbase I sent {$300.00} to XXXX They say the transaction is complete but my money is not there. They will not discuss it with me over the phone and refuse to answer my emails. I dont know what to do Im out {$300.00} and they just get away with it. Please help
Consumer complaint received 2019-08-16
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 (WI)

I had a {$850.00} credit card limit for my daughter. She reserve a car, she never picked up. I set the limit for a reason. I dont want to have to pay interest I cant afford. Capitol One allowed XXXX to put {$1700.00} on a credit card that have {$850.00} dollar limit. This effecting my credit score and Im paying {$60.00} in interest. In 2015 I checked the box to not allow my credit card to go over limit.