davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (IL)

I had wired money, $ XXXX to another bank account. I went to the bank to wire. It went through with no problem. About a week later, I was informed all my accounts were closed and would not have access to my money for XXXX days. I called to find out why and was told I would find out when they send me a check of my money. They sent me an email which said the following : XXXX. We periodically review customer accounts and assess account activity. Based on a recent review of your XXXX Account account, we found that you have violated the terms of your account per the client manual. 

I reviewed the client manual and couldnt find why. I requested my money be expedited as I have no money to live on or pay bills. They repeated the protocol is XXXX days. I continued to ask why and told they couldnt tell me. I have inquired XXXX separate occasions to the specialist to expedite getting my money. They told me they would send my request. They have my {$150000.00} and refuse to release it before 60 days. How can they keep my money, do ai get interest, will they let me know anything? It is so frustrating and upsetting that I can not get my money. This had been over 30 days and I get no response. The company is Citibank. I have a credit card from them which still works, but They no longer allow my password to allow me to see my purchases or monthly accounting. This is not the first time I was debanked and had my money held hostage. I appreciate any advice on how to get my money back.
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Put a fraud alert on my Transunion to be called to confirm that I applied for the product or service. I have tried several times to update the alert online starting last week and get the message that I have to call. I called today XX/XX/19 and was told that the only they could do was update the phone number. I have asked to have the fraud alert removed and they have refused. I can not update online as Transunion website says I can. I have no idea what the instructions are since they will not provide that either. when the alert was placed I thought it was to call me and confirm the information.
Consumer complaint received 2020-10-31
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (WA)

Hello, I noticed that Comenity Capital Bank had placed several inquiries on my credit reports in the last 12 months ( XXXX, XXXX, XXXX, XX/XX/2020 ), which I did not apply or show interest to open a credit card with them nor authorize them to pull my credit information. 

And the most recent inquiry was a hard inquiry with prefix code ( XXXX ) on the XXXX credit report. I did not apply for the card or any other cards from Comenity Capital Bank. 

I called the company Customer Care Department and spoke to the Account Protection team at XXXX PST on XX/XX/2020 to confirm no active/pending applications with my SSN. Then I requested them to correct the inquiry on my credit report, they refused and told me to contact the credit bureaus. 

I found that Comenity Capital Bank is using my credit information in improper ways : 1. I did not give consent or submit an application to open their credit cards, how did they get my information? ; 2. They did not take responsibility to investigate further whether this is a fraud situation ; 3. I requested a way to stop using my personal information in the future, I was advised that there is no such policy in place ; 4. When I requested them to correct the hard inquiry, they refused to take responsibility - The Account Protection Rep was saying that they won't pull credit info without an application. I did not submit an application, if this is a fraud or someone is trying to submit the application on behalf of me, with my score is over 800, they should be able to open a new credit card account successfully. But, I only see new inquires from Comenity Capital Bank and no new accounts are opened. So logically speaking, this is more like Comenity Capital Bank just pulls my credit information in the last 12 months for marking purposes or for preapproval applications instead of identifying theft. It doesn't align with what their Account Protection Rep claimed that they will not pull my credit info without an application. They are trying to get more business and using my information in an improper way but refused to take responsibility to correct it. 

I suspect that Comenity Capital Bank has used my personal information for marketing purposes in an improper way. When I tried to look for further information, their reps just not educated enough to provide me any satisfied or factual answers. All I was told is to contact the credit bureaus directly, one by one, to find out and investigate the situations.
Consumer complaint received 2022-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Greetings, I, the consumer and natural person, was denied credit by CAPITAL ONE. I sent my negotiable instrument to settle my affairs and CAPITAL ONE, in dishonor, closed my account without my consent and approval. The credit that was extended to me, prior to having my account closed, was my own credit pursuant to 12 U.S.Code 83 ( a ) [ General Prohibition ] No national bank shall make any loan or discount on the security of the shares of its own Capital stock ]. Any Adverse Action against a consumer is against the law according to the Equal Credit Opportunity Act which is codified in title 15 U.S.Code 1692K. 

Capital One is subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Capital One due to the response I received. Capital One closed my account because I presented my negotiable instrument ( s ) and requested that Capital One bring my accounts to a positive. Before said documents were presented to Capital One, there was never any issues or concerns, my accounts with Capital One were ALWAYS current, paid on time and NEVER LATE ( please see attached XXXX documents for reference ). Instead of honoring my method of payment, Capital One chose to CLOSE my account without my consent, knowledge or approval. All of these actions are DIRECT VIOLATIONS pursuant to codes 12 CFR 1026.13 ( d ) ( 2 ) ( 3 ) [ Rules pending resolution Until a billing error is resolved under paragraph e and f of this section, the following rules apply. ( 2 ) Adverse credit reports prohibited ( 3 ) Acceleration of debt and restrictions of account prohibited ]. U.C.C 3-603 ( b ) [ If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates ] and U.C.C 3-419 . 

Capital One is in violation of title 15 U.S.Code 1642m, U.S.Code 1681m and 12 CFR 1002 because i, the consumer, made an application in GOOD FAITH but credit was not issued, rather I was discriminated against and my full disclosure right was violated. 

Furthermore because my social security number ( Credit Card ) was used and I received NO benefit ( s ). This is further proof of fraudulent activity ( UNAUTHORIZED USE OF CREDIT CARD ) on behalf of Capital One. 

CAPITAL ONE closed my account then reported a LATE payment on my consumer report on said closed account which is a violation.
Consumer complaint received 2021-08-19
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: ALLY FINANCIAL INC. (FL)

TO XXXX XXXX THE XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, I AM HOLDING YOU RESPONSIBLE FOR DAMAGES IN WHICH YOU HAVE CAUSE AND FOR VIOLATING MY RIGHTS FOR NOT REMOVING THESE FALSE INAACURATE INQURIES THAT HAVE BEEN PLACED ON MY CONSUMER CREDIT FILE BY YOUR COMPANY ... .15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ... ..I NEVER DID NO BUISNESS WITH YOUR COMPANY ... 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; REMEMBER MR.XXXX I GAVE YOU AN OPPURTUNITY TO REMOVE THIS FALSE INQUIRY AND YOU DECLINED ...
Consumer complaint received 2022-08-12
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. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX ) XXXXBalance : {$8200.00} XXXX XXXX XXXXBalance : {$0.00} XXXX Balance : {$380.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00}
Consumer complaint received 2021-08-19
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. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX ACCOUNT IN DISPUTE KIA MOTORS FINANCE REPORTED BALANCE {$1000.00} ACCOUNT OPENED XX/XX/XXXX TERM 3 YEARS ( WAS EXTENDED AN ADDITIONAL 6 MONTHS TO 42 MONTHS ) Account was payed in full in XX/XX/XXXX with XXXX late payments I returned the car in XX/XX/XXXX and leased a new car from KIA Newly leased car paid in full with XXXX late payments. 

In XX/XX/XXXX KIA reported a balance on the original lease, XXXX months after it was turned in. 
KIA has reported late payments from XX/XX/XXXX till present, and erased all payments from XXXX to XXXX KIA posted that I have been delinquent for 42 months of payments to credit bureaus I have attempted to speak to KIA, where I have been verbally abused, hung up on, and laughed before being hung up on. 

When I dispute charge with XXXX or XXXX XXXX, KIA insisted and shows a piece of paper with the balance on it, but refuses to say what it is for. 

KIA further sabotages my XXXX XXXX by continually opening and closing the account. 

KIA repeatedly leaves messages at the credit bureaus, then erases them. 

I asked for the XXXX XXXX XXXX to find out what is happening, but KIA never responded. The XXXX  has given them an F rating, and XXXX consumer complaints at their site gives KIA XXXX out of XXXX stars. Consumers complain that they are unable to give them XXXX stars. 

At XXXX more of the same. KIA Finance is an aberration and needs to be investigated Now I am asking you for help, as KIA has ruined my credit. I attempted to refinance my house over the last year and KIA is costing me tens of thousands of dollars with this little game they are playing. 


WHAT IS THIS FOR? WHY IS THERE A BALANCE WHEN IT WAS PAID OFF IN XX/XX/XXXX AND A NEW LEASE STARTED? WHY ARE YOU SHOWING XXXX AS THE LAST PAYMENT?
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

There has been information published on a consumer report that I never gave either company ( XXXX, Equifax & XXXX ) written consent or authorization to procure or produce with my information, according to 15 USC 1681b ( 2 ). Due to the nature of this consumer report, it has defamed my character to lenders, held me back from getting my home and a host of other things. There are accounts that have been disputed several times because of this violation and the said 3 companies above sends me results stating the derogatory alleged debts WAS DELETED. According to 15 USC 1692G debt collectors are required by law to meet the five requirements to validate any alleged debt, and also I the consumer have to officially validate the alleged debt, in which I did not validate the alleged debts in question on my consumer credit report. Another violation that has come to my attention is specifically with XXXX They violated 15 USC 1681B ( ii-iii ), stating if any information that has been deleted from a consumer 's file and is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than five business days after the reinsertion. I received no written notification that this alleged debt was reinserted into a credit file that I did not give permission to produce. Please DELETE the account below due to several violations of the law. The companies in question for the alleged debt are as follows : 1 ) XXXX XXXXXXXX ( Reinserted into EQUIFAX )
Consumer complaint received 2020-10-31
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. (CA)

Hello, Upon reviewing my credit report, I found discrepancies on my XXXX  XXXX Account ending in XXXX, Opened XX/XX/XXXX, Credit Limit of {$350.00}. The report states that late payments were made in the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The information is inaccurate. Payments were made on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. My bank reflect payments made to XXXX XXXX for the account in question. I have the banking statements to back up my claim. These late payments in question, should be reported deleted as they have been reported incorrectly. I have reached out to the company, XXXX XXXX, and all 3 credit bureaus, XXXX, Transunion and XXXX.The discrepancies were disputed several times over the last few months and the documentation was uploaded and mail into the XXXX. It would seem that my compliant has fallen on death ears. This is why I have decided to reach out to you for assistance. Attached is the bank statements with payments to XXXX XXXX. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-09-15
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)

I have called XXXX XXXX XXXX and Equifax more than 10 times. I have submitted the appropriate dispute documentation more than 5 times. They have refused to help. The hard inquiry is fraudulent, and the information that has been sent shows the appropriate documentation.
Consumer complaint received 2021-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

I was approved for loan forgiveness as I work in a public school. Fedloan approved this and placed me in a payment plan. I have been making payments since XXXX. I come to find out, that they put me in a plan that is not approved for forgiveness. I had no idea about this because since they approved my application and placed me in a payment plan, I would not ever think to question it. This is absolutely unacceptable as they mislead me the entire time. I have been working in the same school district since XXXX! I want all of the " in the wrong plan '' payments to be adjusted and put toward my loan forgiveness. I planned on retiring soon and do not have another 10 years to make this work. I have written them letters and made phone calls, but fail to get a response. Please help me.
Consumer complaint received 2021-08-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Skrill USA, Inc. (MN)

I signed up for a Skrill Wallet on XX/XX/2021 to be able to play on a site called XXXX XXXX XXXX XXXX, XXXX. I was a little apprehensive about using Skrill when it wanted me to link all of my Banking login credentials to deposit money on the XXXX website. So XXXX accepts Debit and Credit card deposits on their website so I opted to deposit with that method instead. 

On XX/XX/2021 I was playing on XXXX and ended up winning {$900.00} and decided immediately to cash out my winnings. Well, XXXX " recommends '' to cash out your winnings using Skrill. But in order for me to cash out I needed to successfully make a deposit with my Skrill account into my XXXX account. So I decided I would link my bank account to it and make a {$4.00} deposit so I can cash out my {$900.00}. That first transaction was declined ( not at all sure why they denied it ). Then I attempted another purchase of {$4.00} ( I had adequate funds in my account to cover both of the {$4.00} purchases ) The second deposit of {$4.00} successfully completed ( Transaction ID : XXXX ) and I sent XXXX a picture of my government issued ID as well as a utility bill in my name on XX/XX/2021 to complete the Identity Verification process with XXXX. 

After I completed and submitted all of the above requirements to cash out to my newly opened and verified Skrill account. I was able to request a cash out from XXXX. I did that on XX/XX/2021. I ended up only wanting to cash out {$460.00} due to playing more on the XXXX website. I had a pending {$460.00} transaction up until XX/XX/2021 then I received a very vague email from Skrill saying " Skrill Payment Successful '' ( Transaction ID ; XXXX ). 

I immediately checked my Skrill account expecting my funds to be in the digital wallet for me to transfer. I was wrong the funds were not in there nor even any pending transactions logged in my Skrill account. Not even the {$4.00} transactions that failed and the one that went thru? 

I am unable to reach anyone from XXXX or Skrill regarding what is happening with this missing {$460.00} or how to even unlink my checking account that I fear could turn into more fraudulent issues with Skrill having access to it.
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I was disputing late payment on my credit history by sending letters to Credit Bureau, But Credit Bureaus did not reply to my dispute after second letter. They sent me answer once by saying account was verified and status of the account is correct. 
I sent dispute letter to Creditor directly. After I called to Creditor to follow up my dispute, by phone I been told that my account is current and do late payment was occurred. 
I need your help at this point.
Consumer complaint received 2024-12-04
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (CA)

On XX/XX/XXXX I opened a bank account with BMO bank. I started the application process at XXXX and was finished by XXXX - but the remaining 10 minutes was used to try to figure out how to make the initial deposit of {$25.00} that was required.. I have screenshots of proof that this account was opened at XXXX and I had established an account number at that time.. I would like to see the time stamp at which the account was actually logged in with promotion as I did meet the time constraints.. I also then followed up with a representative ( which is recorded ) who assured me i was entitled to the promotional credit..my concern is that this bank is fraudulently monopolistic with false promises of honoring bonuses that they intend not to honor.. I have proof of the bank account being established! This bank has has the same on going promotion for years now and I know for a fact that they had a new promotion as of XX/XX/XXXX with the same exact promotion with a different code that could be entered or changed to still honor even if this was said to be 10 minutes late.. to the XXXX promotion instead as they offer is any new customer gets XXXX to set up new account as long as XXXX in ach transactions is received within 3 months..so my question is since this is ongoing why are they not able to honor it also they have now gotten my business and my monies to get ach into the account.. i kept my end of the bargain and they are not honoring theirs..this seems like false advertisement to me and unfair business tactics.. they have had this promotion for years advertising so i know they are constantly keeping it going on an ongoing basis and I was correct as I know because the other 2 accounts that were accidentally established thru their banking error have the code on them for XX/XX/XXXX opening as well