davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Hi I just want to file a complaint on XXXX XXXX that works for 53rd bank the problem was he calls me after speaking with my godmother about account transfer she was trying to transfer money from one account to the other because she was cosigning for house with me so he calls me and just rant he curses at me say all kinds of things saying I was a fraud Im scamming her this is my godmother Im talking about some I take care of that was moving in the house with me so he went on an asking me my job information and the phone number and I gave it to him because I had nothing to hide and I just dont appreciate Someone calling me and cursing at me that is not professional like I said his name is XXXX XXXX he works with 53rd bank I think its XXXX XXXX Illinois off of XXXX XXXX
Consumer complaint received 2021-02-21
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/2021 I check my credit report and it shows capital one bank usa did a inquiry XXXX XXXX I did not authorize this transaction had no idea of it.
Consumer complaint received 2020-08-21
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 (NY)

Someone Used My Personal Information to Open a Credit Card Account with Capital One I Was a Victim of Identy Theft Someone Used My Social Security Number to Open a Credit Card Account With Capital one and this account was never open by me someone stole my identity and Open this account on on XX/XX/2019 and is showing and i notice this happen because i see this account showing on my credit report and i dont recorgnice this account and i never OPEN Any Credit Card account with Capital one and this is not the first time this happen in the pass there was other accounts open with capital one bank and this all those accounts that where open in the pass i did not open it please help me with this problem i never apply for this credit card acccount
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-09-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Radius Global Solutions LLC (NJ)

I received a letter from Radius Global Solutions on a debt that was charged off by XXXX as a bad debt. XXXX attempted to collect on a debt the car was surrendered voluntarily due to XXXX, they left me alone and now they sold it to a collection agency whom is reaching out well after a year. I just want all communication to cease and desist. If I had the monies I would have kept the car people are trying to recover from the affects of XXXX as well as the storm that just ramsack New Jersey and now after well over a year I get this letter. I feel this is a tactic to get money I don't have. When I surrendered the car on XX/XX/21 I was told they would have it picked up the next day, I offered to drive it to the location so I was not charged any additional monies they told me I would not be charged but their people had to pick it up with a flat bed and the guy came with a regular tow truck I was charged for that service when I offered to drop it off. I was given the run around from XXXX from the start and never offered any assistance. XXXX is a very big company I asked to complain to a higher up my complaint fell on deaf ears no one reached out to assist I was also given the run around when I attempted to surrender the car.
Consumer complaint received 2017-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I opened a safe deposit box at Bank of America in XX/XX/XXXX or XX/XX/XXXX. The safe deposit box was subsequently closed and the keys were surrendered in XX/XX/XXXX. At the time of the closure, they were unable to find the documentation to close the safe deposit box ( I believe it was my original signature card ). In XX/XX/XXXX or XX/XX/XXXX, I received a notice in the mail saying that I owed a balance for the safe deposit box, and was told by a customer service representative when I called the XXXX number that I needed to contact the branch directly. I spoke with a teammate at the branch and was told that they would research the issue and follow up with me. I called back a week later and was told the same thing. On my third attempt to resolve the issue, I was told that my records were found, and the issue would be corrected. Also I was told that I would be sent a confirmation of closure via mail. In retrospect I never received the confirmation via mail, but as I was told the matter had been resolved I did n't think to follow up again. Today I received another Payment Notice for the safe deposit box with an outstanding balance of {$350.00}. I have n't accessed this box in over a decade now and the last time it was accessed was to validate that it was emptied and surrender the keys. I remember there being an access log, and it should show that I have n't accessed the box since XX/XX/XXXX or earlier. Massachusetts echeatment rules for safe boxes state that after one year of delinquency the bank should send me a 60 day escheatment notice, and escheat the contents to the state. Why am I still being billed for a safe deposit box that has been dormant for over 10 years AND that I closed 10 years ago? I do n't know what records are actually available for the account but certainly there should be record that this account has been dormant for over a decade and that I 'm still being billed for it. This is unfair : the bank is intentionally not closing the box to continue accruing rent. It seems very deceptive. The box should have been closed out years ago and regardless the bank should not have charged me for rent year after year for a delinquent box.
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I wanted to sign up for free credit check and when clicked on the Transunion link it led me to create an account. Then it asked for my credit card information which was weird for anyone to ask for a free service but I reluctantly put my credit card information in. After creating an account for Transunion, they charged me {$24.00}! That is ridiculous when the link clearly states to make a free account.
Consumer complaint received 2020-07-20
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: Santander Consumer USA Holdings Inc. (MI)

Santander Consumer USA has been deceptive and made a mistake and put my car loan in bankruptcy status and therefore took the trade lines off and have not reported my perfect payment history. Because of this my credit report does not show any car payment history at all and its making it impossible for me to get out of this high interest rate loan and lower my car payment. They are purposely doing this in order to keep me paying this high interest rate. Then they try to say well we don't need to report your history at all, had they told people their payments on their car would never be reported to credit bureau 's how many people would accept a loan like that when the whole purpose of the loan was to rebuild credit to begin with?? I need help, I have spent almost 1 1/2 years fighting them and they keep blaming everyone else but it's them, they refuse to correct the problem!! please please please help!!
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2021-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

My Bank of America credit card was closed and charged off by them in XXXX of XXXX, my credit report says it should have been removed from my report in XXXX of XXXX and yet it has not. Bank of America instead added it back showing as an open account on my portal in what I assume is a fraudulent attempt to collect on an account that has been charged off for years. I would like to close my account with Bank of America but can not do so while this old card is showing open on my account. This debt is over the Statue of limitations in Georgia, where I lived when this card was closed, Oregon, where I live now and BoA 's home state of NC.
Consumer complaint received 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting Act XXXX Account # 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 2021-09-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

This company is XXXX and I have disputed 7 times 1. XX/XX/XXXX # XXXX ; 2. XX/XX/XXXX # XXXX ; 3. XX/XX/XXXX # XXXX ; 4. XX/XX/XXXX # XXXX ; 5. XX/XX/XXXX # XXXX and 6. XXXX ; 7. XX/XX/XXXX # XXXX XXXX XXXX account and they still have not corrected the incorrect information. At one point they added a " repossession that never existed which dropped my credit score 60 points and lost my ability to get a mortgage. I have sent dispute letters and documentation to have them remove this account from my credit reports because it is negatively effecting my credit report. They have to either remove it from my credit report or DO NOT SHOW any late payments and paid as agreed. This account has been closed and was never repossessed. The first late payment was on XX/XX/XXXX and is over 7 years old. Per law The original delinquency is the one that starts the clock. That means the entire sequence should disappear seven years from the first date the payment was late. Which is XX/XX/XXXX. This is over 7 years and I have ask over 7 disputes to please remove and stop reporting all late payments. It should reports paid as agreed no late payments.
Consumer complaint received 2020-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

My account had a final balance of {$18.00} in XXXX and it was due on XX/XX/XXXX because it was paid on XX/XX/XXXX not even 30 days late they Capital one charge a {$25.00} late fee, the same thing this month due the XXXX not even 30 days late and they charged me {$25.00} late fee this account balance of {$18.00} was paid off in XXXX and should be closed. How is capital one able to charge a late fee when its not 30 days late.
Consumer complaint received 2021-11-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pioneer Capital Solutions Inc (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2017-06-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Army and Air Force Exchange Service (TX)

I have been corresponding via email with XXXX, the debt collection company since XXXX XXXX 2017. To date, Ive paid approximately {$8300.00} towards a debt that was originally approximately {$8000.00}. I initially requested a payment ledger showing all payments to date. I received the payment ledger on XXXX XXXX 2017,  about two weeks later. Since, that time, Ive been corresponding with an XXXX XXXX, about the supposed balance. <P/>XXXX. XXXX, after much prodding, told me I still owe over {$6000.00} on this account in interest and fees. Ive sent her two subsequent emails to date, requesting a thorough explanation and breakdown of the interest and fees, yet, Ive received nothing. Requesting a breakdown and thorough explanation of a balance of HOW the balance is over {$6000.00}. I am entitled to more than just a statement of what the balance is. I believe Ive fulfilled my obligations. Thanks.
Consumer complaint received 2021-11-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The 3 Credit Bureaus are reporting inaccurate information on MEDICAL DATA SYSTEMS I XXXX Balance {$160.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-09-02
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2018 with a balance of {$240000.00} which I did not make. I have filed this police report where I stated that I lost my bag with my cards & IDs inside, they advised me to submit a dispute to prevent fraud from happening again.
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that XXXX and XXXX Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Bureaus  are reporting inaccurate information on WF/XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2020-07-20
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: EQUIFAX, INC. (GA)

Due to Financial reasons as a single mother Ive had to file for chapter XXXX bankruptcy in XXXX and then again in XXXX. Equifax, XXXX  and XXXX  all still currently have the bankruptcy from XXXX, all of my old addresses, old judgements and old inquiries still listed on my credit report even with me asking them to properly update this old information. I will never be able to move on to repair my credit with old lingering accounts post Chapter XXXX.
Consumer complaint received 2017-01-01
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2016 I went into Wells Fargo branch : XXXX XXXX XXXX, XXXX, CA XXXX as my bank transfers show on XX/XX/2016 I transferred from savings into checking {$1100.00}, plus {$35.00} to cover the wire transfer. The total amount of {$1100.00} was available in my checking account. Wells Fargo has NO EXCUSES that moment in front of the banker XXXX XXXX who did the transfer herself ALL ENTIRE AMOUNT OF {$1100.00} was deducted from my checking and was applied to the wire of {$1100.00}. 
On XX/XX/2016 Wells Fargo posted the transfer of {$1100.00} and on XX/XX/2016 charged me {$35.00} overdraft fee. There is no reason for the overdraft fee. This is discriminatory, reckless and criminal. This needs to stop I 'm in entitled to have a checking account like everyone else. There is no reason to be singled out and charge fees for items that I 've already paid. I 'm not going to pay for items two or three times because somebody has a problem and they ca n't get over it and let me have a checking account like everyone else. This interference needs to stop this is unethical period and criminal. Wells Fargo employees are behaving unethically, unprofessionally and frankly this is criminal.
Consumer complaint received 2016-04-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BMO Bank, N.A. (WI)

We have a first mortgage with BMO Harris bank. This mortgage was first issued in XX/XX/XXXX, and was acquired by BMO Harris bank through a series a bank mergers and acquisitions. 
As a side issue, my wife and I filed for bankruptcy in XX/XX/XXXX. We did not reaffirm the mortgage debt, but continued to make timely payments as our intention was to keep the property. 

Shortly after BMO Harris acquired our mortgage, they stopped sending us monthly mortgage statements. Because it is an adjustable rate mortgage with property taxes escrowed, the monthly amount due changes frequently, at least twice a year. We do not receive any notice of these changing amounts due. As a result, at times we continued to pay an older amount due that was no longer sufficient to cover the entire amount due. 
In these situations, BMO Harris will place the paid funds in a suspense account, again without notifying us of the shortfall. 

Needless to say, this soon results in a mortgage payment that is 30 days past due. BMO Harris is prompt on reporting the past due status of the account to the credit unions, before even giving us a chance to make up the shortfall. They also add on numerous late fees and penalties, again without notifying us of the existence of these fees and penalties, which increases the shortfall in the subsequent months. 

Over the last several years, we have made numerous requests, both by phone and in person, to have monthly mortgage statements again sent on a regular basis. BMO Harris has never complied with these requests, and has never provided an explanation for why they refuse provide monthly statements. 

It is unconscionable for a large bank such at BMO Harris to deliberately refuse to provide regular statements of the amounts that are due to avoid late fees, penalties, and adverse credit reports, yet promptly send adverse credit reports to the credit bureaus. The adverse credit reports have had a direct and negative effect on our financial dealing, more recently resulting a car loan being obtained at a much higher interest rate than was initially offered.
Consumer complaint received 2024-06-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (FL)

In XXXX of XXXX  I bought a vehicle from US Auto sales I also purchased an extended warranty at the time. 2 months later the transmission started to leak I took it to a transmission shop the company reached out to dowc the supposed warranty company XXXX informed me that US Auto sales never paid the last 18 months of extended warranty payments to them so I had no extended warranty I called us Auto sales immediately they said that they would fix this issue a week later I found out that they closed their doors. They sold the company so I called the new servicing company and they said that they could only collect payments they had no information on my contract I stated I could send a copy showing that I paid {$2000.00} for an extended warranty and they said that they unfortunately could not honor that. I have contacted multiple times stating to them that I wanted that money either refunded or applied towards the loan or I was no longer making payments since they breached contract and I would have to pay out of pocket for the transmission to be fixed so they repossess the car and after all of that reported to my credit the original amount of the loan without any of the payments that I had made.
Consumer complaint received 2021-03-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia (VA)

There are XXXX different collections debts reported on my credit report for exact same amount for a physician bill in the amount of XXXX for both accounts. I had called the collection agency in regards to the debts which I have never received. I did not live in the state in 2016 in which XXXX of the debts was placed on me. Whats strange is both accounts has the exact same account numbers, same month but different years. I have disputed the debts on my credit and was removed and after 30 days was returned to my credit account. In addition, I have insurance and if I had a bill would have be paid by insurance