davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/XXXX I received in the mail a starter check package from TD Bank in XXXX XXXX XXXX. I have never done business with TD bank. The checks had my name proper address and other information on them. I immediately called TD Bank the following morning and was told that my information of course does not align with the person who is committing the fraud so they can not give me any information on the checks or the account. According to them there is potentially money being deposited monthly as a direct deposit and payments being made out of this account.
Consumer complaint received 2024-12-04
Product: Credit 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. (FL)

Hi my name is XXXX XXXX and am currently writing to you because of a case that has been mishandled and given a false resolution for over 3 months. I had booked flight and accommodations but was unable to rendered services due to unforeseen circumstances. Citibank initiated partial refund but failed to resolve the remainder due to an oversight on there behalf. Multiple supervisors stated they have the necessary information needed to successfully resolve this issue but continue to hold me responsible for an XXXX charge in the amount of {$720.00}. Im seeking further assistance with this case due to the bank stealing funds.
Consumer complaint received 2023-10-23
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: EQUIFAX, INC. (TX)

I am writing to express my deep concern and frustration regarding the unresolved issues related to my credit report. Despite several attempts to correct a late open account and remove late closed and charged-off accounts, these discrepancies remain on my credit report, causing significant financial harm and distress. 

I would like to provide a brief overview of my efforts to address this matter : I first became aware of the late open account, late closed accounts, and charged-off accounts on my credit report. Immediately, I took steps to contact the respective creditors, and I submitted disputes to the credit reporting agencies to rectify these inaccuracies. 

Subsequently, I have made several attempts to dispute these inaccuracies with the credit reporting agencies, providing all the necessary documentation to support my claims, and I have been in continuous communication with the creditors involved. 

Despite my commitment to resolving this matter, these inaccuracies remain on my credit report and have not been adequately addressed by the credit reporting agencies or the creditors. 

These unresolved credit report issues have caused me significant stress and financial hardship. As a responsible and diligent consumer, I expect that the credit reporting system operates with accuracy and fairness, reflecting my true financial standing. 

I kindly request that you take immediate action to thoroughly investigate and correct the late open account and remove the inaccurate late closed and charged-off accounts from my credit report. I also request a written response outlining the steps your organization will take to rectify this matter and prevent future inaccuracies. 

I am aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I will not hesitate to take legal action to protect my rights and interests if this issue remains unresolved. I am asking for your assistance to remove or to correct the accounts : 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
Consumer complaint received 2021-05-26
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)

My American Express credit card balance on my XX/XX/XXXX statement was {$1200.00}. I used my cash back rewards of {$52.00}, made additional charges of {$29.00} and a payment of {$1.00}. This left me with a balance of {$1200.00}. However, the website showed that I still had a Statement balance of XXXX. It did not apply the {$52.00} to the previous month 's balance, only the current month 's, so it showed that I now had to pay MORE than my current total balance in order to pay off the previous statement balance and avoid interest, even though this would result in a credit balance. 

The explanation I received from their online chat was : " I see that you've redeemed {$52.00} cash back on XX/XX/XXXX and it will post in your next statement. 
Once you use your reward dollars it gets adjusted towards the new charges and not the charges those are billed on the account. 
Hence it will lower next balance I see that your XXXX statement is closed with balance of {$1200.00} and you've made the payment of {$1.00} So, the Remaining statement balance is {$1200.00} which is due on XX/XX/2021 '' So, I submitted a payment for {$1200.00} even though this exceeded my balance. I received an email confirmation of this payment. 

Then, a few hours later I received an email that they had automatically reduced my payment amount to {$1200.00}, my total balance! This leaves me with a {$22.00} statement balance which if I don't pay, will result in me being charged interest, but their system is preventing me from paying. They are forcing me to pay interest by not applying the rewards statement credit to the statement balance, only the current month 's balance, even though it is reducing the total balance. 

I raised this issue with them and they said they would waive the interest charge, but I am still reporting this issue because it means their system is designed in a way to force people into a loop that causes them to pay interest unless they contact customer support like I am doing. They need to fix this system.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I want Experian is violating the law because the discoverbank account # XXXX open dated XX/XX/XXXX is inaccurate, XXXX open dated on this same account is XX/XX/XXXX. I been disputing this account for inaccurate and it keeps coming back verified for months on XX/XX/XXXX, XXXX & XX/XX/XXXX
Consumer complaint received 2021-05-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (TX)

This account was paid with the agreement they will delete this account. 
The account was paid off XX/XX/2021, it was posted on my bank account on XX/XX/2021 I did paid this account and its still showing up on my credit report. 
i need this to be removed from my credit report. 
Account XXXX / account XXXX
Consumer complaint received 2021-05-26
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. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-05-26
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. (TX)

On XX/XX/2020, we purchased airline tickets in the amount of {$500.00} from XXXX XXXX XXXX XXXX for a trip in XXXX to XXXX. Before our trip, the company canceled our flights and issued a voucher. Because of Covid, the airline never again flew internationally, so we were never able to use our vouchers. Finally, the airline went out of business. I have sent all of this information to Citi-cards dispute center. They responded that the information I sent wasn't enough to support my claim and I am responsible for the charge. In the attached news article, it explains XXXX quit flying internationally on XX/XX/2020, and went out of business at the end of 2020.
Consumer complaint received 2021-05-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: OneMain Finance Corporation (TX)

7 minutes agoNEW I had went and took a loan out with this branch for how ever much they were able to give me they did good of giving me the amount I needed without a doubt but subsequently they charged me a interest rate of like 13 or 14 which a honorable percentage rate is like 8. Do after that fact of going though this process I had put my car up for collateral, they took it upon themselves to take half of the loan an pay the car off when they could have just given me the money to pay the car off myself cause I was trying to get something else financed at the time. After the fact they kept claiming to send my bank a payoff check for the car I was already financing an kept claiming they sent it which they never did. I kept persisting and kept in contact with my bank personally to see when an if they'd received it and they never did. I waited for at least a few weeks thinking and giving ONE MAIN a chance Issue another check they claimed maybe had gotten lost in the mail or to do the right thing and they just keep telling me XXXX over the phone. I literally had to process a XXXX  charge on my checking account to finalize the whole loan payment before they even sent a actual check out which was like a Couple of days later or I was gon na be two months behind on my car payment which in turn would get my car taken away from me so that ONE MAIN could turn around and have the car for themselves
Consumer complaint received 2021-09-08
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. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-04-24
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC. (CA)

On XX/XX/XXXX I mailed a certified with a sign receipt to Ally Financial XXXX XXXX  The company received my offer letter to settle a debt and I received my sign receipt back sign by someone from the company on XX/XX/XXXX. As of today XX/XX/XXXX I have not recveived any mail or phone calls regarding my settlement offer. I am requesting that this collection account with Ally financial be removed and deleted off my credit report. It has been over 30 days without a response from them.
Consumer complaint received 2021-04-24
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: TRANSWORLD SYSTEMS INC (GA)

I've been disputing a collection account with Transworld System Inc for an entire year. I began sending written communication to them XX/XX/2020 & every XXXX after that until XX/XX/2020. To date, I still have not gotten a single response. I notified them that I'd paid my final bill with the original creditor XXXX XXXX XXXX XXXX XXXX Co XXXX before relocating & asked for verification of this debt. After sending multiple requests with no response, I sent several requests for them to remove this collection account from my credit report. Initially it was only listed on my XXXX credit report. Transworld Systems Inc has not only ignored my requests for deletion, they've now taken it a step further by adding this collection account to my XXXX XXXX XXXX credit reports causing further damage.
Consumer complaint received 2021-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

To Whom It May Concern : Bank of America is illegally withholding my money from me. 

Due to XXXX related economic XXXX, I was one of the many hard-working Americans that needed to make the tough decision to make available some of my retirement savings so that I can continue to pay bills and be on-time with my monthly payments. 

After liquidating XXXX of my accounts with XXXX XXXX on XX/XX/21, they sent me a XXXX XXXX check for the amount {$10000.00}. This was the money that would keep me afloat during this difficult time. 

I promptly deposited this check at my local Bank of America XXXX on Friday, XX/XX/21, with the understanding that money is usually made available within 2-3 business days to ensure the check clears and verify the funds available. 

I received notification later that night that the funds were going to not be made available until XX/XX/21. This is a seemingly arbitrary XXXXday hold. 

After speaking with representatives with Bank of America, they are unwilling to remove this hold or shorten this hold. I offered to bring XXXX XXXX into the conversation to ensure the funds were there. I offered to provide receipt of the account I liquidated with XXXX to provide proof the funds were not obtained illegally. 

Bank of America is doing nothing to help me. And my thought is that this can not be legal. This is my money. My money needs to be made available to me within a reasonable amount of time. XXXX days is not a reasonable amount of time. 

There are XXXX calendar days between now and the end of the month.This is more than enough time to verify whatever Bank of America needs to verify. XXXX days will make me late on my all my monthly obligations, including ( ironically ) Bank of America for my car loan. 

Fix this problem. Release the hold my money. It's my money, not yours. And you're illegally keeping it from me. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-05-26
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. (UT)

I am in the process of purchasing a home, which required my credit to be pulled. This complaint is due to a collection from XXXX XXXX XXXX who has a collection filed against me with XXXX, TransUnion and XXXX, which dropped my score significantly. I received no phone calls or contact via US Mail to confirm this collection is mine or valid. Due to this I have not & did not obtain the full statutory period in which to dispute the validity of this debt in question as I did not receive any initial notification regarding the debt. Had I been reached out to, it would have been advised this collection is a result of Identity Theft which a formal complaint has been filed with the FTC, acknowledged by authorities and submitted to the credit bureaus. 

XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XXXX XXXX XXXX, XXXX, XX/XX/XXXX I am submitting this CFPB complaint to request the immediate blocking of fraudulent information on my consumer credit report, as permitted by FCRA 605B ( 15 U.S.C . 1681c-2 ) .The following accounts, resulting from identity theft, were incorrectly opened in my name : Capital  XXXX : XXXX opened XX/XX/XXXX, XXXX : XXXX opened XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX : XXXX opened XX/XX/XXXX, XXXX : XXXX opened XX/XX/XXXX, XXXX XXXX  : XXXX opened XX/XX/XXXX, XXXX : XXXX XXXX XX/XX/XXXX, XXXX : XXXX XXXX XX/XX/XXXX, XXXX : XXXX XXXX XX/XX/XXXX, XXXX : XXXX opened XX/XX/XXXX, XXXX : XXXX opened XX/XX/XXXX and a Inquiry from XXXX on XX/XX/XXXX XXXX 
These accounts have resulted in multiple collections and an inquiry on my consumer XXXX credit report. I have attached a list of the specific hard inquiries along with a copy of my consumer XXXX credit report maintained by XXXX, highlighting the fraudulent items. I do not recognize any of the accounts, collections, or hard inquiries listed. None of these were opened, authorized, or initiated by me ; all are a result of identity theft and fraud. I have included a copy of FTC Identity Theft Criminal Complaint # XXXX & XXXX as evidence that these accounts and inquiries are indeed fraudulent. I request that this information be blocked within four business days of receipt of this complaint. Thank you for your prompt attention to this matter.
Consumer complaint received 2021-04-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (AL)

Previously there was a complaint about our property taxes not being paid on time and because the mortgage company did not pay them in a timely manner we had several late fees and processing fees that were due. Property taxes were due no later than XX/XX/2020 however this company did not pay them resulting in my husband and I having to pay them out of our own bank account. If we did not pay them, we were told our house was being placed in the newspaper for an open auction. We paid the property taxes due, late fees as well as a processing fee. The end of XXXX is when we ended up paying our taxes, 3 months late, late because the mortgage company did not pay. My husband and I have been in contact with our mortgage company for months now trying to receive a refund for the amount of money we had to pay for our property taxes as well as the late fees and processing fee. We are constantly getting the run around and have not yet received our refund. First we were told we would be reimbursed what we paid, then we were told we needed to do an escrow analysis, which was supposed to resolve the issue. The escrow analysis received was no where near what we paid in taxes and fees.We were later told the escrow analysis was for money that was in surplus and had nothing to do with the money we were supposed to be reimbursed. After calling again and again we were told that a check was being sent out for {$1100.00} in 10 business days. Its been 10 business days and nothing has been received. All we have had is one issue after another with this company and no resolution.
Consumer complaint received 2022-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I lost my Capital One Bank MasterCard debit card sometime on or around XX/XX/XXXX. The last transaction I made on the account was at XXXX on XX/XX/XXXX for {$5.00}, and I think the debit card was left at XXXX. However, I didn't know the debit card was missing until XX/XX/XXXX, when I opened an email dated XX/XX/XXXX from Capital One stating, " Your most recent transaction took your 360 checking account ending in XXXX balance below {$0.00}. '' I immediately logged into my Capital One online banking account and discovered 30 unauthorized transactions totaling {$3700.00}. I called customer service to report the debit card lost and to file a claim for the unauthorized transactions. I was asked if the debit card was in my possession at the time the transactions were made, and if I knew who made the transactions. I answered, " no '', to both questions. I was then told the account would receive a provisional credit within 3 to 5 business days, and the investigation may take up to 90 days. Following this conversation, I received an emailed letter dated XX/XX/XXXX informing me that Capital One was working on the claim. The letter provided the claim number, and stated I would be contacted when the review was finished. When I hadn't received the provisional credit by XX/XX/XXXX, I called customer service to ascertain the reason why the account hadn't been provisionally credited. I was then transferred to the Fraud Dept., and had it explained to me that the claim had been closed, and that an investigation wouldn't be conducted because I responded to a text message alert confirming I attempted a transaction with a merchant. I informed the fraud specialist that I hadn't seen the text alert, and accordingly, I didn't answer on my mobile device that the transaction was attempted by me. I informed the fraud specialist that I share my mobile phone with my mom, and so it's possible that she confirmed the transaction without knowing that she was confirming a fraudulent transaction attempt. I asked my mom if she had read a text alert from Capital One, and she said she couldn't remember. I was transferred to a supervisor to ask if the investigation could be re-opened, and was informed the prior decision would stand, but that a letter could be provided explaining the reason for the claim denial. A letter dated XX/XX/XXXX was received, which I have enclosed. I'm not sure what account records and transaction information was available to not support a claim of unauthorized activity. Furthermore, I don't understand why a thorough investigation wasn't conducted, i.e., requesting merchant receipts, as I was told the investigation may take up to 90 days. In my case, the investigation was opened and then closed immediately.
Consumer complaint received 2022-09-27
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. (OH)

This collections account is being reported as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. I will need to be provided a copy of my report once its deleted and updated, I do not have any open accounts with this company.