davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (NJ)

In XXXX, I went to close my student bank account and I had opened up a new account because I was not attending XXXX XXXX XXXX XXXX I was told to leave the student account at {$0.00} for 30 days. Following the representatives steps I left the account a {$0.00} and opened up a new account with Wells Fargo. A month later I noticed my credit was beginning to fall because the account that was suppose to be at {$0.00} now had charges that ended up going as high as {$900.00} + dollars. 
Not soon after I lost my job and this put me in the worst position of my life. I still have not recovered completely as I had this bank account that was suppose to close out and did not. My credit declined so fast, I was unable to take additional funding out, I could not purchase a vehicle and so on .... This particular student account was the first problem that cause so many more. I am begging for some capital to help me get back on the right track. This has also caused me not to pursue jobs as it got worse. 

Hopefully Wells Fargo could do right by me as this messed my career up for years. 

Sincerely, XXXX
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF THE WEST (CA)

I have gotten a letter from Bank of the West, telling me 2 months later to repay them {$200.00}, which they claim was credited to a checking account that they had already advised me to close back in XXXX of 2022. They haven't bothered informing me about the my account status, by specifically mentioning any transactions, ( still pending, or for what amount ) while I was at the bank, but waited 2 months later, to get me to pay {$200.00}. Who does that? What bank operates in this manner?
Consumer complaint received 2020-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/2020, american express closed all my credit cards without fair reason. Before closing, i have XXXX membership reward points and XXXX pending points, plus {$100.00} + cashback on my account. 

After closing, they just drained all these points and my cashback. I have already paid about 4x $ 550+ $ 295+ {$95.00} annual fee ( total $ 2600+ ).  After renewing these credit cards and paid all annual fee within less than several month, they cancelled my accounts and my cashback and points. 

This is unfair and really disappointing. I demand the annual fee refunded and give back all my rewards points ( XXXX ) and cashback. 

Thanks.
Consumer complaint received 2022-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

This is a complaint against Capital One. I paid my card in full before the due date. The credit card company charged me {$160.00} in interest claiming that the balance accrued interest between the date they issued me my bill and the date I paid my bill, which to be clear, was on time and was NOT late, something they willing acknowledge. I called them to clear this up, and after speaking to two people, they hung up on me. Not for yelling at them, but because they just " didn't have anything they could do for me. '' They maintain I owe them this money.
Consumer complaint received 2022-06-17
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. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX, 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 an account without my written instructions
Consumer complaint received 2022-06-17
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. (FL)

Dear CFPB Staff, XXXX XXXX XXXX is reporting fraudulent information on our credit scores with the various Credit Bureaus. 

They are attempt to collect a {$300.00} from XXXX. That is an error or outright fraud as the device in question was long ago returned to XXXX.
Consumer complaint received 2022-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2021 I deposited 3 money orders into my Chase checking account. On XX/XX/2021 I discovered that my account had been locked due to suspected fraud. I spoke to a fraud specialist at Chase who advised me that once the funds cleared my account on XX/XX/2021 the account would be reopened and I would be able to use my bank account as normal. When XX/XX/2021 came and went I called the bank and they requested I bring in the money order receipts to have the funds released and that my account had been closed. I went to my local branch to provide the receipts and received the balance of my direct deposit from my employer BUT NOT the {$2800.00} that had been deposited into my account, I was told that the fraud department would review the receipts for the money orders and send me a check in the mail, that never happened. 6 months later and I still have not received a letter explaining what was going on with my bank account or the funds that they are holding nothing. It takes hours to get ahold of anyone that cares to help sort this mater out. After being a loyal chase customer for over 5 years they just up and close my account. I am asking for assistance in this matter as will as interest be paid on the money that they are holding. 

I am asking for assistance in having my money returned to me as well as interest be paid.
Consumer complaint received 2022-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Received an unsolicited credit card on XX/XX/XXXX from Bank of America. Was told that we would receive a letter stating that the account was closed and that it was fraudulent. We never received the letter. XXXX weeks later we called back and nothing had been initiated on their end. They have been completely unhelpful in resolving this matter. The company is saying that it will take up to 90 days to " investigate ''. We are currently in the process of purchasing a home and this may impact our interest rate. Clearly it was an unsolicited credit card, or part of Bank XXXX XXXX recent data breach. Who would be stupid enough to open a new credit card while in escrow?? AND, it was an XXXX XXXX Bank of America card. Who would be stupid enough to fly with XXXX XXXX??
Consumer complaint received 2024-08-19
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. (CA)

I'm writing to express my concerns about some issues I've encountered with the credit bureau, including incorrect account listings, unauthorized inquiries, inaccurate credit reporting, and billing mistakes. I need help resolving these issues to ensure my financial security.
Consumer complaint received 2020-04-28
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. (FL)

Waited forever on hold with Trans Union to try to get errors corrected and couldn't reach anyone on XX/XX/XXXX. My call followed the company 's inadequate follow-up of my dispute aimed at correcting my credit file 's erroneous phone number and current occupation, which I had asked the company in writing to fix. Instead, the company in a letter reported that it had verified a credit card account I never asked them to investigate, and they said they confirmed my employment with a company for which I no longer work. While I realize I can write a rebuttal to this agency 's inadequate response, these issues are not necessarily worth my time -- though the wrong phone number error is relatively important because I have a long-standing credit alert on my file. My main concern is that Trans Union 's extremely careless investigating could lead to unfixed errors which are significantly more damaging to credit-impaired individuals.
Consumer complaint received 2020-05-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I used XXXX to purchase a product from XXXX. The seller never sent the product promised and I kept trying to contact them they never responded and then I told them I would take legal action and I called my back and XXXX XXXX was told it was nothing they could do. I was so upset then the scammer decided to answer and sent me a package full of paper I was really hurt. This is crazy how people can think there doing the right thing by sending from there bank and then theres no protection.
Consumer complaint received 2019-08-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (MA)

On XX/XX/2019 I had a TD bank checking account balance of XXXX with 2 outstanding checks totaling less than 200.00, leaving me with at least 200.00+ in my checking. On XX/XX/XXXX, the automated system said I had a XXXX dollar balance. I spoke to TD bank and this is what happened. XXXX from TD Bank told me that she saw something called " deposit correction '' in my account, and that unfortunately sometimes an employee of the bank puts money in an incorrect account, and that she would e-mail her with copies of my bank statement and the withdrawing of my personal checking and savings account. She told me the person who did this was XXXX XXXX, Teleservice Manager at the XXXX, New Jersey TD Bank. To make matters worse, as I had XXXX in my account the day before, she withdrew XXXX - XXXX from my checking account, and then took XXXX from my savings as I had overdraft protection to total the XXXX. She left me in a dire situation as I could not pay my bills, the 2 outstanding checks were going to bounce so more fees, and the overdraft fee. XXXX gave me the name, number of the employee, her manager and his number, the CEO 's number, but due to it being a weekend, was unable to contact these specific people. 

She told me I should contact XXXX XXXX and ask her to refund my accounts, or talk to her manager to help rectify this situation XXXX XXXX at XXXX, and then gave me the CEO XXXX XXXX at XXXX. 

I should not have to contact anyone to solve this problem due to an internal error that they made and how am I supposed to figure all this out? And that I need to investigate their system 's internal problem. I have never heard of anyone being asked to resolve this error. She left me in a financial hardship situation as I am on Social Security XXXX and the 2 outstanding checks were going to bounce as well as the fee for overdraft protection, etc, not to mention possibly affecting my credit score which used to be XXXX. I live in XXXX, MA and my TD Bank is in XXXX, MA. I have never authorized anyone to just withdraw money from my accounts. What she did was illegal and she should solve this immediately. 

Also, by the way, since that was the exact amount of my mortgage, who I do NOT have automatic withdrawal with, I thought it was my mortgage company XXXX XXXX, so I had filed a complaint with you as I didn't know at the time it was actually from TD Bank and not XXXX XXXX.
Consumer complaint received 2022-06-17
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BMO Bank, N.A. (NC)

I request for my account to be close XX/XX/2022. BMO Harris explained they will send the remaining funds of {$4500.00} by mail in 2 business days. I have not received a check. I called to have the check canceled and resent and BMO Harris explained they need to send an indemnification form for me to sign and notarize. I have not received such form. They said they would email it and I have yet to receive it. I have no other recourse it this time.
Consumer complaint received 2022-06-17
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: EQUIFAX, INC. (TX)

Attached is a Federal Civil Court Complaint and Subpoena for Equifax, XXXX, and XXXX to produce all information and documentation used to perform the requested investigation and reinvestigation of the XXXX XXXX XXXX XXXX credit card account that is reporting to my consumer credit report. I am not disputing the existence of this account but who it belongs to. According to the Fair Credit Reporting Act, a trust is NOT a consumer and if the trustee who opened the account for the trust was in the capacity of a business, that is not a consumer either. None of the agencies have provided any documentation to support the investigation to validate this dispute. They are violating USC Title 15 section 1681 ( please see attached Complaint for a Civil Case ).

Please see attached active Civil Complaint, letters, Subponea, proof of mailing for dates and proof of actions taken.
Consumer complaint received 2020-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion credit bureau as well as XXXX are reporting old account information, old addresses and misspelling of my name that should by law be deleted by now..I hired XXXX to help me with this matter but to no avail the old account information is still reporting threw TransUnion and XXXX credit bureau
Consumer complaint received 2023-02-07
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. (FL)

Experian has been negligent regarding errors on my credit report. All of the information, except my name is wrong. I've contacted them numerous times to fix this issue. I even sent them, via Certified Mail, proof of my identity, but I'm not seeing any progress. 

My husband and I are trying to get pre-approved for a mortgage and Experian is holding everything up. I have no idea who is supposed to be fixing my credit report because this is negatively affecting my whole life. 

There are many errors in my report. One of them is for a car that I do NOT own, some credit cards, a personal loan, and more. I know that I wasn't supposed to record our calls, but I did because they treat me like I'm crazy. I will take this complaint as far as I can because I shouldn't have to deal with their incompetence.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DE)

I am writing to formally dispute the accuracy and completeness of the balance associated with the account : XXXX XXXX XXXX. Open Date : XX/XX/year> I believe the reported balance is incorrect, and this discrepancy needs to be addressed immediately. Under 15 U.S.C. 1681s-2 ( b ) ( E ), furnishers of information are required to conduct a reasonable investigation when a dispute is made regarding the accuracy of information on a consumer report. In the case of XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, it was emphasized that verification of disputed information must be supported by comprehensive and accurate account-level documentation. Furthermore, 12 C.F.R. 226.25 ( a ) stipulates that such documentation should detail all transactions related to the account in question.

Given these legal responsibilities, I request the following : 1. A thorough investigation regarding the accuracy of the reported balance associated with my account.

2. The provision of complete account-level documentation that verifies the accurate balance in accordance with the XXXX case and applicable regulations. 

If your agency can not verify the accuracy of the information with appropriate proof of verification, I expect that the account will be deleted from my credit report immediately, in compliance with the FCRA. 

Please send me written confirmation of your findings and any corrections made within the required timeframe. 

Thank you for your prompt attention to this matter. I look forward to your swift response.
Consumer complaint received 2022-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

I XXXX am stressed out about this Company call National Credit Systems. They are on my Consumer Reports holding me back financially by staying on it, attempting to collect a debit on behalf of a Creditor. They also even state they are collecting for another Creditor which is illegal. This practice makes National Credit a 3rd party Collector. I have no contract with National Credit nor ever gave them any permission to report anything on my Consumer Report. They are required by law to notify me 1st before they want to post on my Consumer Report.

15 U.S. Code 1692 ( c ) ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

National Credit Systems have been contacted by me several times and each time they have stood by their efforts to insist that i owe them a debt.

I have sent them an Affidavit Of Truth which stands as truth in a court of law. They sent my mail back to me but yet i sent the mail to the address listed on my Consumer Report they had as their listed address. I had to find another address for them online. They clearly are playing games trying to avoid truth. They have not sent back a rebuttal by Affidavit. My word stands as Truth in a court of law.

15 U.S. Code 1692a ( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.

The debt is reported in positve amount not in a negative amount as owed debt. Also the amount of debt reported has been different amounts. Amounts from {$3500.00} to {$3700.00}. They even sent me a copied contratct where a column for credits listed a security deposit of {$250.00} was added to a credit of {$3400.00}. Then that total what listed in the charges column in positive for of {$3700.00} It makes no sense. This is not fair to me and this is inaccurate and illegal. I have attatched documents with close ups of the copied contracts and my Consumer report where they clearly show they are not Creditors in fact, i point out the XXXX XXXX who listed on the contract. XXXX  XXXX XXXX XXXX. If is not even the name that National Credits Systems listed as the Creditor XXXX  XXXX.
Consumer complaint received 2022-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (WI)

Please forgive me for the frustration and puzzelement in dealing with issues related to credit card industry, lately. 
This is my brief story : For the first time - on XX/XX/2022- I decided to use Apple Card for buying XXXX from XXXX XXXX. For legitimate reason the merchandise was returned and full refund was issued timely to the creditor. At this stage, the matter should have been closed-like any other transaction with my other credit cards. Unexpectedly, Apple Card sees this proceeding differently and began demanding campaign for extraneous payment of {$38.00}. As a responsible consumer, I repeatedly asked to explain the reason for the required payment. Unfortunately, no satisfied response was received ( please examine exhibit 1 & 2 ). 
On XX/XX/2022 I have been notified by my bank that my account is reported as delinquent and that my credit score dropped XXXX points from XXXX ( please examine exhibit 3 & 4 ). That would make a deliberate tangible difference in the quality of my family lives. Should anybody care about how disable senior citizens manage the authoritarian unethical means these creditors are applying at their customers with recklessness and impunity? I believe that FTC cares! I believe Apple Card is violating its supposed compliance with credit practices normally applied. 
While checking my emails I inadvertently saw a misleading ad claimed by the creditor : Pay No Fees. Ever. Terms apply ( please see exhibit 5 ). In my case Apple Card has never said the origin of the demanded {$38.00} nor I have signed/agreed about anything alluding to that figure. Is this a ransom? Please help me understand whats going on, as Im at loss .The threat scheme posed to consumers by creditor practices remains real and should be abated.