davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

We initiated a Wire Transfer through their Online System Their Online System required us to Enter the Account and Wire Info Twice to Confirm Since we entered Twice and we confirmed the Information - We were Confident it was correct. 

We received a Phone call from the Bank - that they wanted us to Verbally Confirm it again - We asked why, their Response is because they Manually type it and they want to make sure they type it right. We were Driving at the time and did not have the information with us ... .. We assured them since their system Required us to Input it twice - that we were confident that the information we provided was accurate. That if they were going to input the number incorrectly from us typing it, what would stop them to input incorrectly if we verbally give it a third time. That the reason we chose to pay a {$25.00} fee and do the wire transfer is that the money was needed immediately in the other account. They Refused to do the Transfer and instead transferred us to a " Customer Advocate '' at which she did nothing but immediately transfer us to a Customer Service Manager - at which time our call was disconnected during the Transfer ... ..

The above info - is more the background of why they could not do the Transfer. It is their Policy even though it does not make sense. But because this is their policy - We will be closing our accounts - Business and Personal and moving them to a Local bank. 

Where our problem is - Even though they refused to do the Transfer - They Deducted the {$2500.00} from our Balance and the {$25.00} Fee - So we have had No Access to the Funds ... .. And technically they have taken our money! 

We want XXXX XXXXCapital One - to immediately return the {$2500.00} to our account!!
Consumer complaint received 2017-11-30
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: EQUIFAX, INC. (MD)

I submitted a personal letter to XXXX Equifax and XXXX in regard to inquires that are on my credit report fraudulently. I was a victim of identity theft. I was able to put a freeze on my accounts and Some inquired were removed after investigation w various credit companies. However Some inquires have not been removed as I need assistance with this. Please see list below w dates and creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (MO)

This company closed my account and then re-opened it up without written consent I was not notified they opened the account back up I have proof the account has been closed and no written notice was sent to me. 
I have been disputing this company regarding the debt for months. I have asked them to validate and verify my debt. 
Perhaps thats why this has happened. 
But its a direct violation of my rights
Consumer complaint received 2024-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

on XX/XX/XXXX company called XXXX XXXX charge my account {$30000.00} and i didnt know about this card i called bnk of america and told them that i dont recognize this charge on XX/XX/XXXX and called bank of america and send them all the paperwork and they are keep deny my claim
Consumer complaint received 2020-07-09
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. (NY)

( XXXX  XXXX ) I have sent a dispute to all 3 credit bureaus to delete this account due to it being in violation of metro 2 due to the account number containing a letter..this is a clear violation and they have yet to delete this account in fact i never even received a response to the dispute. i am attaching a copy for your review.

There are several violations ... this account is closed and all 3 bureaus are reporting terms they are all reporting diffrent days of last payment they are all reporting different dates of last acive 2 are reporting paid and one is reporting closed
Consumer complaint received 2019-11-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (IL)

I opened the account in BMO Harris Bank after receiving the postal flyer of getting a {$700.00} bonus after meeting the 2 conditions : 1. Put {$10000.00} ( already met ) 2. Direct Deposit of {$5000.00} ( already met ) After meeting both the requirements the bank stalled and keep on saying that call us after 120 days, and post 120 days they told me that I don't qualify for this promotion as i had the account previously and it is for only new customers. 
When i went to the bank the banker already saw this and still insisted me to open the account and told me that i will qualify for this promotion and it doesnt matter if you have the account earlier asked to open the account and now they are not honoring this. 

I really felt cheated and want this to resolved and need my promotion to be paid. 
Need your help on the same. 
Account Numbers Saving- XXXX Checking- XXXX
Consumer complaint received 2017-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On XXXX/XXXX/XXXX I noticed a charge on my account of almost {$2600.00}. 

I called Chase bank to report that I had n't made the purchase. Chase advised they would put the money back in my account while they investigate. 

One Friday XXXX/XXXX/XXXX I received an email from Chase. I called the bank and was told that my fraud claim was denied, because everything " matched '' and they will charge the amount back to my account on XXXX XXXX. 

I did not make this purchase. 

I have spent many hours researching what happened. ( Something I wish Chase had done ). 

Someone ordered ( 2 ) projectors from XXXX online on my card, using my name and address. 

Then they had XXXX XXXX redirect the shipment to be held at the XXXX XXXX office for pick up. 

Then they picked it up at the XXXX XXXX office. The signature is NOT my name or signature. 

I have called the bank MANY times to resolve the issue, Chase is not being helpful. 

I tried to send them the signature I got from XXXX XXXX. They wo n't accept an email from me so I had to go to the local branch to fax it to them. I brought it on XXXX. 

Yesterday, XXXX, they said they could n't read the fax so I had to bring it in again today. 
My local branch submitted it today along with a copy of my signature to prove it does n't match. 

On Monday XXXX, I filed a police report. 

At the time the purchase was made, I did not have enough money in my account to cover the purchase. I do not have overdraft protection on this account, yet Chase chose to honor the purchase instead of declining it. 

I have had my accounts with Chase for many years. I honor my purchases. I have held up my end and done all I can to prove this is n't my purchase. Chase needs to hold up their end.
Consumer complaint received 2022-04-01
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)

In accordance with the Fair Credit Reporting, the following accounts has violated my rights : XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXXXXXX XXXX  # XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX 15 U.S.C . 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1682 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-01
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. (LA)

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX XXXX Balance : {$7500.00} Date Opened : XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXXXXXX Balance : {$7500.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2017-12-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Dear Expert Researchers in these kinds of cases, and how harmful it is for a person who is struggling, struggling, to keep his credit score at XXXX. points .... BUT CAPITAL ONE COMES REALIZANDOMEPROMISES AFTER PROMISES, TO APPLY GARANTIZANDOME A CARD, WHEN I DID IT, GAVE ME 3 GREEN CHECK MARK AS PASS. ( APPROVED ) .. THEN I GET A LETTER THAT I FEEL SO MUCH,  AND THAT LITERATURE CLASSES THAT DISANIME ANYONE AND DOUBT THE REPUTATION WITH ME 3 BUREAU. XXXX, XXXX XXXX INCITING, TO APPLY THAT I HAVE A CODE AND NUMBER THAT GUARANTEE MY APPROVAL. BUT THE TRICK IS THAT THEY DO IT FOR THE PERSON TO APPLY AND REDUCE IT XXXX POINTS, OR MORE EVERY TIME IT APPLIES. I ASK CFPB INVESTIGATORS AND HELP ME TO RECOVER MY POINTS IN MY 3 BUREAU XXXX, XXXX, AND XXXX..TX.
Consumer complaint received 2017-12-08
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. (TX)

I have contacted Transunion LLC 2 times ( XXXX XXXX XXXX, XXXX XXXX, XXXX ) letting them know that some of the names they purport to belong to me does not belong me. I also attached my drivers licence showing the correct name but the same wrong names continue to apprear in my credit report the company sent to me on XXXX/XXXX/XXXX. 
The report also shows some telephone numbers which i have told Transunion LLC twice that they do not belong to me but they have refused to correct them.

I have also requested twice for Transunion LLC to remove accounts which they purport to be adverse as it has been more than 7 years since the inial default as per FCRA but they have either refused to remove them or do any investigation.

I also requested for information to show why Transunion LLC is linking me with wrong names and phone numbers but they have either refused or dont have them because they have not carried any investigation.
Consumer complaint received 2016-06-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OR)

Navient put the consolidated loan with my husband into deferment without our signatures. I have been working with them since XXXX over this. I know this is a compliance issue. I worked diligently to fix this, keeping contact records. I thought we had all this sorted out but now monthly payment all went to interest because they put us in an Extended Repayment Graduated 2 years interest only. I did not ask to be put in a repayment that was 2 year interest only. My XXXX payment went to interest only. Navient 's manager XXXX XXXX does not call me when he says he will. I need help with this and I need to file a complaint because Navient broke a federal regulation putting loans in deferment without our signatures, consistently make errors on our account, and do not return phone calls when they say they will.
Consumer complaint received 2021-02-08
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

On XXXX the XXXX of XXXX I contacted my lender Lakeview Loan Company regarding my escrow overpayment. I was informed that the escrow team had not started on my overpayment and it probably wouldnt happen till the beginning of the new year. I enquired as to why this would take them so long to process my escrow return. The agent informed me that the company would also be preforming the escrow reevaluation at that time. I stated I understand and I would wait time after the start of the new year. On XXXX the XXXX XXXX, I received a letter from LAKEVIEW Loan company stating that I should have a check cut and sent out within the next 20 business days. Due to holidays and weekends I waited till XX/XX/XXXX, to contact LAKEVIEW Loan company regarding my overpayment check and the fact my escrow amount was evaluated as increasing. I questioned why the check had not been cut as of yet and was told the check definitely should have been cut. The LAKEVIEW Loan agent stated that they would put in the order to cut the check and it should take 48 hours. I then addressed the fact my escrow amount increased even though I do not pay property tax under the states homesteading laws. The agent stated that they would put in a request to do a reevaluation of my escrow. I stated that would be fine. It is now XXXX the XXXX XXXX, i emailed LAKEVIEW Loan company that they still have not cut my escrow repayment check or reevaluated my escrow payments. I informed LAKEVIEW Loan company that they had 48 hours to rectify these issues or I would contact the CFPB regarding the violation of XXXX. It is now XX/XX/XXXX, and I still have not heard from LAKEVIEW Loan company regarding my escrow repayment. During these uncertain times the money that I have overpaid my Loan company could really be used to help my family.
Consumer complaint received 2019-11-08
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 — Was not notified of investigation status or results
Company: Mr. Cooper Group Inc. (MA)

I would like to complain this becaus the dates are inaccurate thus making this account on a late status. This are the dates. 

Month XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX 30 OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30 60 60 30 OK XXXX  XXXX 30 OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30 60 30 OK
Consumer complaint received 2019-11-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (TX)

I sent a debt validation letter certified mail return receipt back in XX/XX/2019 and never received a response as to whose debt the reported. After never receiving a response I disputed this information with XXXX  and they are still reporting an account that doesnt belong to me.
Consumer complaint received 2017-12-01
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. (AZ)

Me and my brother are twin brothers with similar names, my name is XXXX XXXX XXXX and his is XXXX XXXX XXXX and we have similar social security numbers. We have lived together in the past so we have had the same addresses. Our credit information is mixed up with his information on my credit and his social on my XXXX when theyve checked my credit. Ive fixed it in the past and now it is all mixed up again and are unable to locate my XXXX report because of the mix up. TransUnion gives an error code and is not reporting accurate accounts on my credit.
Consumer complaint received 2019-11-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CT)

The Equifax reporting agency & My Equifax agency is reporting inaccurate score information and inaccurate account information. I went from an XXXX score to a XXXX score. For the passed 6 month I have been trying to work with Equifax in fixing my credit score. They are reporting that I only have 1 credit account with the Utilization of 35 %. Three months ago they were reporting Credit Utilization 83 % and 14 credit account. This company need to be investigated for inaccurate credit reporting. InXX/XX/2019 they were reporting that my XXXX XXXX XXXX account ending XXXX was {$16000.00} with credit utilization of 842 %. When my credit card only has a limit of {$2000.00}. I am trying to get a mortgage for a new home but this hurting my credit score. I would for Equifax to access each credit account in my credit report and score me properly and fairly. Please see attachment of their false reporting numbers and accounts.
Consumer complaint received 2022-04-01
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. (TX)

In accordance with the Fair Credit Reporting, the following accounts has violated my rights : XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXXXXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX 15 U.S.C . 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1682 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: U.S. BANCORP (CO)

I received a credit card in my previous name which I haven't used for 25 years. I was concerned about my privacy and tried to call the company at XXXX but I was unable to get past the recordings to speak to a representative. It is a visa debit card through US Bank ReliaCard
Consumer complaint received 2017-12-01
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. (AZ)

Me and my brother are twin brothers with similar names, my name is XXXX XXXX XXXX and his is XXXX XXXX XXXX and we have similar social security numbers. We have lived together in the past so we have had the same addresses. Our credit information is mixed up with his information on my credit and his social on my equifax when theyve checked my credit. Ive fixed it in the past and now it is all mixed up again and are unable to locate my equifax report because of the mix up. XXXX gives an error code and is not reporting accurate accounts on my credit.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - XXXX XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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.