davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

I have provided documentation to credit bureaus and company to show I turned my lease on time and had made all monthly payments and paid excess mileage and damage. I was given an amount to pay within 120 days from letter received which I did. I paid {$3700.00}. Last lease payment was due in XX/XX/2018 and paid on time.
Consumer complaint received 2019-05-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Portfolio Recovery services continues to call my phone morning and night, including weekdays and weekends. They never leave a message and when I do answer, they are very aggressive. I received a phone call once at XXXX on a Sunday, then again at XXXX on a Saturday, and every single day -- multiple times a day -- during the week.
Consumer complaint received 2018-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

bank of america applied my payment to the lower interest rate portion of my balance so that my minimum payment went from {$700.00} to {$850.00} in one month Their explanation was the type you get from your local XXXX XXXXXXXX. They said thats the way they are supposed to do it? There is no indication of how they do it there is no ability to pay off the higher interest rate first with a monthly payment. They said the only option was to pay the whole amount. PS this is my second complaint for the same account. 2 years ago I asked them to set up auto pay they failed 3 times with the wrong due date, the wrong routing number and the wrong amount ( a fixed number which didnt cover the minimum ) resulting in more than a half a dozen fines and penalties. When questioned by the CFPB the head person at bank of america actually lied and said I did it which was simply a lie. PS to this day I still dont have autopay set up, probably good I would not have realized this new rip off. PS now i have to look back my monthly payment was a lot lower if I recall perhaps they are ripping me off every month. But I have a business to run
Consumer complaint received 2022-04-01
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. (FL)

I sent disputed to XXXX, Equifax 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 30 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 2021-04-22
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: BCA Financial Services, Inc. (FL)

On XX/XX/2021, BCA Financials added derogatory marks on my credit reports per XXXX XXXX and XXXX Upon further research, this account was transferred/sold and I'm no longer responsible for the account. Debtor creditor did not verify this collection. Also, there was no written form of communication, contact or signature for this accused debt at all, a bill without a signature does not validate the debt and anybody can send a bill and say it mines. According to the FCRA, BCA Financials has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2019-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I contacted capital one back in XX/XX/XXXX during the government shutdown, i was placed into a program that reduced my interest rate for 3 months, then they took me off plan, when i was thinking I was in a hardship program, now they won't put me back because I don't quality. I contacted them, spoke to 3 people, the last one being the manager who gave me same information. Previous 2 supervisors I spoke to were very rude and spoke to me in a very condescendant as if they were superior then I was. I think this company is getting richer by taking people 's money but won't let them anymore since i plan to default on the card so that I can pay it off.
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

To Whom It may concern, There is inaccurate information on equifax and other credit reported the following address I have never been associated with == XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX I had called a while back for this to be removed and was told it would be. unsure as to why this in accurate information there.
Consumer complaint received 2019-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One and XXXX has caused significant legal problems. I contacted them for money for my trouble in the amount of XXXX also money paid on fraudulent credit cards. 

Please
Consumer complaint received 2020-07-13
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: Lending Club Corp (AZ)

This company has been asked several times to provide signed loan documents or other proof of debt. I have sent them notifications and requests and without providing any proof they keep reporting this debt on my credit reports. I am not sure of the amount but they are reporting a charge off. Since they have been unable to provide any valid proof of debt I would like the company to delete this derogatory information from my XXXX, XXXX  and XXXX. This has been reported as FTC Identity theft number XXXX and the company has been provided with a copy.
Consumer complaint received 2018-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX continues to fradulently place my account in " dispute '' status, after I have requested for months for them to remove this dispute language. For the 30th time, I am not disputing anything in regards to that account. I received an e-mail from XXXX XXXX, whereby, she stated : " Per your request on XX/XX/2018, we requested that the credit reporting agencies update their records and DELETE the dispute status from your credit report. '' This letter was dated ( and will be attached ), on XX/XX/2018. So, I ask, why is the language showing that it's still in dispute when XXXX indicated it would be removed? Also, why was the original case closed, when my credit report was showing this account still in dispute?
Consumer complaint received 2019-05-14
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: BARCLAYS BANK DELAWARE (FL)

Barclays Card Services XXXX. XXXX XXXX XXXX, DE XXXX Ref Account : VISA credit card XXXX Cardmember Cardmember Address Insert from BARCLAYS Complaint Policy found its official website : Barclays is committed to offering quality products and services. We want to make it simpler for our cardmembers to report instances of dissatisfaction. Barclays uphold principles that aim to : Ensure that all customers are treated fairly and ethically, and that issues are addressed promptly. 
Embed complaints principles and complaint standards across our organization. 
Ensure that team uses sound judgment, in combination with the standards set by Barclays, to reach suitable, consistent and timely decisions. 
Inform cardmembers about complaint status and resolution. 
Make certain that all colleagues are certified on our complaints policy and principles. 

I called Barclay at XXXX-XXXX-XXXX on Monday XXXX CST. I was on hold for 1 hour and 56 minutes. I discontinued the call. 
I call Barclay at XXXX-XXXX-XXXX on Tuesday at XXXX XXXX CST. I was on hold for 45mins and finally got to speak with a Dispute Specialist, her name was no given. 
I requested to dispute a phone purchase transaction of {$190.00} with XXXX XXXX. The Specialist said that her system kicked her out the 3 times she tried to enter the dispute. The system auto closed the application. She then advised that she could not help and discontinued the call. 
This clearly DOES not support Barclays commitment of Ensure that all customers are treated fairly and ethically, and that issues are addressed promptly. the fact that this application has been configured to discriminate and treat Cardmembers unfair and differently because of the type of transaction is UNFAIR. I as a Cardmember need to be treated equally and fairly. I as Cardmember should be given the same accessibility & service as others Cardmembers are given to submit a dispute. No matter the outcome. That Service should FAIR and open to all Cardmembers, and not have a configured System to treat me unfairly. This is an ethical and the CFPB regulators and Visa have been copied carbon to this letter of this UNFAIR treatment based on the Dodd-Frank Wall Street Reform and Consumer Protection Act. 

Please response to this correspondence, Cardmember Cc : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX
Consumer complaint received 2021-02-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (WA)

I am suffering from being unnaployed due to covid- 19 and underlying XXXX and conditions. My account was overdrawn for XXXX they charged me a overdraft fee followed by another equalling {$70.00} and threaten to do so again in 5 days. I will have money to cover the original overdraft fee but do to being unemployed and XXXX am unable to pay them extended over draft fees.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (WA)

It has become clear that Citibank has disclosed my nonpublic personal information ( as defined at 16 CFR 313.3 ( k ) ( 2 ) Personally identifiable financial information includes : ( B ) " Account balance information, payment history, overdraft history, and credit or debit card purchase information '' ) to at least three nonaffiliated third parties, XXXX, XXXX, and XXXX. Per 15 USC 1681 ( Fair Credit Reporting Act ) and 15 USC 6801 ( Gramm-Leach-Bliley Act ), as a federally protected consumer, by law financial institutions are required per 16 CFR 313.7 ( a ) ( 1 ) to provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state a reasonable means by which the consumer may exercise the opt out right. 

Citibank has never given me a reasonable means of opting out of disclosure of my nonpublic personal information, as required by federal law. I have OPTED OUT on XXXX XX/XX/XXXX of any and all authorization that I may have given Citibank to disclose any of my personally identifiable financial information, whether such authorization was written, unwritten, verbal, non-verbal, implied, or assumed. I have recorded over 127 violations of my privacy regarding my accounts with Citibank since XXXX. 

Pursuant to 16 CFR 313.10 Limits on disclosure of non-public personal information to nonaffiliated third parties. ( c ) Partial opt out. Financial Institutions may allow a consumer to select certain nonpublic personal information or certain nonaffiliated third parties with respect to which the consumer wishes to opt out. 

Following were the terms of my PARTIAL OPT OUT : 1. I do not authorize you disclose account balance amounts.

2. I do not authorize you to disclose account payment amounts.

3. I do not authorize you to disclose instalment amounts or terms.

4. I do not authorize you to disclose credit limits.

5. I do not authorize you to disclose credit purchases.

6. I do not authorize the reporting of my payment history in $ amounts.

7. I do authorize the disclosure of my account payment status ONLY ( Paid, or Paying as agreed ) I have received no response after my express OPT OUT on XXXX XX/XX/XXXX, and Citibank is still disclosing my nonpublic personal information to XXXX, XXXX, and XXXX.
Consumer complaint received 2018-06-12
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. (NJ)

XXXX credit card with account number XXXX was deleted from my Experian credit report and then put back on which is a violation of the FCRA since I was not notified 5 days in advance. Also, the Date last active and the date of last payment is incorrect on all three credit bureaus. So is the payment history. I disputed this account and it was verified. How can that be when it is inaccurate across the board?
Consumer complaint received 2018-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX credit card with account number XXXX was deleted from my XXXX credit report and then put back on which is a violation of the FCRA since I was not notified 5 days in advance. Also, the Date last active and the date of last payment is incorrect on all three credit bureaus. So is the payment history. I disputed this account and it was verified. How can that be when it is inaccurate across the board?
Consumer complaint received 2018-09-17
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. (AR)

on XX/XX/2018 I submitted a complaint with the CFPB about Transunion. The complaint was that Transunion failed and refused to send me their METHOF OF VERIFICATION. per the FCRA 611 ( a ) ( 7 ) I am entitled to request the description of all methods used to investigate the dispute,,, I am entitled to see the names of the person verifying the account with the original creditor, this is my rights and Transunion violated it and best believe I am seeking a lawyer on this matter because Transunion should have removed the account from my file,, Transunion failed to send me what I am entitled to. this is my rights and under the fcra law, I can request it and u failed,, I will be seeing one of your representative in court for the non compliance and the violation of my rights and the FCRA.. I have also provided proof of the complain that I made with XXXX with a account XXXX XXXX,,, XXXX was sent all the information like I sent Transunion and XXXX  failed to send me their method of verification,,, they were in violation also,, but in return XXXX  removed the account from my credit file, because I am entitled to see the information i asked them and i asked Transunion the same thing, and Transunion failed to send me what i asked, so we will be in court for the non compliance or u can remove the XXXX XXXX like XXXX credit reporting agency did..i have the printed copy of the complaint and the response from XXXX  see for your that the credit companies have to send this to the consumer if requested and i did that and Transunion failed just like XXXX did.. ( see the attached complaint and response on the removal of the account XXXX XXXX for non compliance with the method of verification from XXXX through the cfpb site ) i filed my complaint on XXXX with the XXXX XXXX account in XX/XX/2018.. XXXX responded on XX/XX/2018 and removed the account on XX/XX/2018 i have enclosed the proof,
Consumer complaint received 2019-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BBVA FINANCIAL CORPORATION (FL)

Compass Bank where I have had a business account for over 11 years has no security to protect my account from fraudulent multiple cashing of the same check number multiple times for different amounts. If they had even a basic level of security this would have stopped what turned into 22 fraudulent checks cashed by mobile banking for {$44000.00}. 
Compass " no security '' Bank as I now refer to them had 5 chances in the beginning of this fraud to stop it in its tracks, over 30 people I spoke to were shocked that Compass " no security '' bank can not detect when the same check number is cashed multiple times for different amounts, that should ring bells shouting that there was a huge problem. 
There is a huge and growing problem with mobile banking that is not being communicated in any way to account holders that their checks can be cashed multiple times. I never knew anything about mobile banking, nor did I give permission for it to be used in connection with my account. 
I have never bounced a check in my life, yes I do not monitor my account because I knew what was coming in and going out, it was never communicated to me that I was the security for Compass " no security '' bank. I would have been better off if I kept my money in a sock, at home. I am the victim here yet Compass tied to make me feel that I was somehow part of the fraud. They could not even give me the correct forms to fill out over a 2 month period because I was out of town I had to fill out 22 forms 3 times, its amateur hour at Compass '' no security '' bank. am XXXX and I needed expert but that's not what I got, to help to figure out things like them cashing the same check numbers what I thought was 19 checks turned into to 22. Consumers be aware Compass " no security '' bank does not have your back, demand not to allow mobile banking with your account.
Consumer complaint received 2020-07-13
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. (AL)

You have a bankruptcy reporting in the public records section of my credit file. You mentioned that you obtained this information from XXXX XXXX. I have a letter from XXXX XXXX stating that this incorrect information has been removed from my file. Please remove this information as soon as possible. Thanks
Consumer complaint received 2020-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (OH)

I have made every payment on time. I had a few returned payments due to their own system error which they admitted and refunded me for, but closed my card even though I was current and during covid impacted times due to the return led payments that was their fault
Consumer complaint received 2020-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

SLS charged me a {$71.00} late fee on a ~ {$100.00} shortage on my mortgage payment. My overall payment went up after an escrow shortage and I was set up on Bill Pay rather than ACH. I had attempted to set up ACH multiple times in the past with no luck as I was always told the website was down or received a tech error when attempting it online. Most recently I could not have set up ACH due to no one answering the phone during COVID. My total Payment went up in XXXX and I was short approx {$100.00}. SLS assessed a full {$71.00} late fee. That's a 72 % late fee. If that's not excessive, I don't know what is. Not to mention it was assessed during a global pandemic when people are in the midst of financial hardship and stress. SLS did not answer the phone when I tried to call in before this to switch to ACH due to staff shortage during the pandemic. We were expected to be patient with them as they adjusted to the pandemic. All I am asking for is the same courtesy here and not to be assessed a 72 % late fee during a global crisis when they couldn't even sufficiently staff their reps to assist with ACH and payment related questions.
Consumer complaint received 2018-06-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One Bank is listed by XXXX XXXX as one of the companies that will wire transfer funds to XXXX ( a digital exchange ). However, my account is with Capital One 360. Cap One 360 will only do a wire transfer to a title company, checking, or savings acct. Since this is an exchange, they will not allow me to transfer my funds to XXXX. That is their policy. I tried to open an account with Capital One which is a retail bank. But I can't do it online. It has to be done in person. The nearest branch is in XXXX XXXX. I live near XXXX XXXX Because of this policy of Cap One 360, I will be forced to move my monies out of my 360 account to another banking institution. I have spoken with the Cap One customer service multiple times. They would not allow me to speak with a higher up person. They would not escalate my query. When I asked what I could do to 'make this ( transfer ) happen ', they offered no suggestions. I may as well have spoken to a brick wall. That is how I felt. I initially opened this account via XXXX XXXX years ago. This account evolved into Capital One 360. So, in the end, because I live in XXXX, I can not wire transfer my Cap One 360 funds to an exchange. This is not right. Capital One 360 is a large, international institution. They should honor my right to perform this function.