davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am writing to formally dispute the following inaccurate information contained in my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( a ). Upon reviewing my credit report, I found inaccurate information that is both incomplete under the standards set by the FCRA. Additionally, the account ( XXXX ) in question are not reported in accordance with XXXX XXXX guidelines, which are essential to maintaining accuracy and compliance across all credit reporting agencies. 
# # # Disputed Information : - *Creditor Name : '' XXXX XXXX XXXX XXXX XXXX XXXX  - " Account Number : '' XXXX BALANCE : {$520000.00} - *Nature of Dispute : ** incorrect payment history. 
inaccurate balance and Non-Compliant The Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ), requires credit reporting agencies to " follow reasonable procedures to assure maximum possible accuracy of the information '' they include in a credit report. The disputed information mentioned above does not meet the standard of " maximum possible accuracy. '' Furthermore, please ensure that the creditor in question complies with 15 U.S.C. 1681s-2 ( b ), which obligates them to report accurate information to the credit reporting agencies and correct any error i found.
Consumer complaint received 2023-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CO)

I have been a customer of Citibank for over 20 years, and I have many different credit card accounts with them, including multiple general purpose cards and retail cards. They recently decided to not renew one of my accounts for no apparent reason. I have never been delinquent on any of these accounts, yet they have decided to essentially close an account for no reason. This has caused my credit score to drop by XXXX points as my available credit dropped as well as my average age of trades and credit history. I am extremely frustrated to have this adverse action taken on an account I have been paying on time for many, many years.
Consumer complaint received 2024-10-01
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. (TX)

I am REWRITING to complaint to CITICARDS CBNA about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXXXXXX XXXX  XXXX, TX XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XX/XX/scrub>XX/XX/XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (OK)

This account is from a company I do not have an open account with and have never opened an account or signed a contract with. " In accordance with the Fair Credit Reporting Act this creditor ( list your creditor ) has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) section XXXX states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

INACCURATE account being reported negatively as a " COLLECTION '' on my credit based on " Alleged '' default from XX/XX/2018, which is well past the XXXX year STATUTE OF LIMITATIONS to collect. 
XXXX XXXX  is actively and aggressively making attempts to collect this debt, in direct violation of state law. 

Please Remove this inaccurate account in it's entirety ASAP per FCRA.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (CA)

LVNV Funding LLC opened an account on XX/XX/year>, for the amount of {$1000.00}. I have never signed a contract with them, nor have I received any services or incurred any charges totaling this amount.
Consumer complaint received 2024-09-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (NY)

I am writing to formally dispute the accuracy of a collection account listed on my consumer report. 
I did not receive any prior notification or collection request regarding this account, which has caused significant problems in my current financial situation. The absence of communication from the collection agency has left me unable to verify the legitimacy of this debt, leading to confusion and distress. 
As per the Fair Credit Reporting Act, I request that you investigate this matter and remove the collection account from my report if it can not be validated. Please provide me with written confirmation of the outcome of your investigation. 
Thank you for your prompt attention to this matter. I look forward to your response.
Consumer complaint received 2023-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: WELLS FARGO & COMPANY (NY)

On Wednesday, XX/XX/2023, I discovered an issue with my newly opened Wells Fargo credit card. I had supplied all correct information, including my Social Security Number ( SSN ), during the application process, but I couldn't locate the card or its balance within my existing Wells Fargo account, which also includes a connected checking account. When I called Wells Fargo 's customer service for clarification, they informed me that the card had been incorrectly registered under a different SSN.

I was transferred to a specialist and had to wait on hold for several hours. The specialist confirmed that Wells Fargo had made an error and the card was indeed registered under a different SSN. They assured me that they would send a form within 10 business days, which I would need to fill out and return to correct the SSN associated with the card. 

As of today, Thursday, XX/XX/2023, I have not received the form that was promised. I am greatly concerned due to the potential implications for my credit history and the risk of identity theft or fraud caused by Wells Fargo 's error. The lack of prompt action to rectify this mistake further compounds my concerns.
Consumer complaint received 2016-08-01
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BBVA FINANCIAL CORPORATION (TX)

My bank, Compass Bank, chose to process all debits on a particular day before processing the credits. This, of course, led to overdraft charges. I went to look at their policy, and found the paragraph below, which basically says that they can process them however they want on any given day, in their total and absolute discretion. No doubt, they use this policy to consistently rack up overdraft fees. This policy is unconscionable and should not be permitted. 

This is the policy I found : Processing and Posting Order. You authorize and agree that we may, in our sole discretion, determine the order that we process and post credits, debits and holds to your account. You also authorize and agree that the order and/or manner in which we post credits, debits and holds may vary by product, service, account type or type of transaction. You also authorize and agree that we are allowed to pay or authorize some credits, debits, and holds, and decline or return others, in any order we deem appropriate. The order in which in which we post credits, debits and holds to your account may not be the same as the order in which you make the withdrawals from or deposits to your account. You agree that any order in which we process and post credits, debits and holds to your account will not be an abuse of discretion. If two or more items are presented for payment from your account on the same day, we may pay or charge the items to your account in any order without regard to any contrary instructions from you, even if paying a particular item or items causes the available balance for your account to be insufficient to pay one or more other items that otherwise could have been paid, which may result in the occurrence of additional or other service charges that otherwise may not have occurred. We may pay items drawn on us, debit your account for any service charges and other amounts that you owe us under this Agreement or otherwise, and we may exercise any rights of set off we may have against the account before we pay any other item. 

If an item was initiated at a point-of-sale terminal or a XXXX transaction or ATM, you agree that we may charge the amount of the item to your account or place a hold on your account in the amount requested by the merchant immediately upon authorization of such transaction, even though we have not then actually received the item for payment. We will make payment for a transaction only after the actual transaction is presented to us physically or electronically. Each such hold will reduce the Available Balance in your account by the amount of the hold.
Consumer complaint received 2017-01-03
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Messerli & Kramer P.A. (MN)

I called the collector on XXXX XXXX, XXXX regarding a collection with XXXX XXXX. My court date was set for XXXX XXXX, XXXX. I spoke with XXXX XXXX and explained that I had been pursuing a loan to settle this matter and would like to do this out of court. XXXX said that he would call and cancel the court date and that I would not have to go to court. I specifically asked him if I would be in any trouble, like " contempt of court '' or anything legal like that. He said no, I would not be in contempt of court and no further action would be taken if I settled the matter. I telephone Messerli & Kramer on XXXX XXXX, XXXX and was informed that the judgement had been placed because I did n't show up for court, and now my credit has taken a huge negative hit. I asked to speak to a supervisor and explained the situation. The supervisor said he would listen to the transcript of the call, which he did and said that he understood where the " misunderstanding '' was made but that the judgement had already been filed and there was nothing he could do about it. 
Desired Resolution : Correction to a credit report Desired Outcome I am willing to settle this debt for the amount I owed XXXX Funding for purchases, less additional charges and fees.
Consumer complaint received 2016-10-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Weltman, Weinberg & Reis Co., L.P.A. (WA)

We were victims of predatory private student loans that were used for non-school expenses. As a result we were forced to declare bankruptcy. After the bankruptcy Weltman , Weinberg & Reis claims they acquired the covered loans when our lender themselves went bankrupt. We have been paying them per the plan but the file delinquent payment history on our credit report each month. My lawyers have sent them letter but they refuse to do anything.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MO)

About XXXX years ago, XXXX XXXX sold me a phone that was a lemon. It couldnt connect calls or receive text messages no matter where in the state I went. I talked to them repeatedly about sending me a replacement phone, and they refused. So I stopped making the payments because I had to have a phone that worked for my job, and bought another phone. I couldnt pay for XXXX. XXXX laws should apply to high dollar items like phones, too. 

I have a collection on my report from XXXX XXXX that just keeps getting resold. Each time it gets a new start date. That makes it look like a new debt when it is not. I disputed it years ago to no avail. I tried to contact Experian to find out if they had the original date, and to ask how many times it had been sold and also if I could dispute it again, since I had disputed it in the past. Now, to reach a human at Experian is impossible. XXXX forbid that you can get a live person!! None of the options the XXXX  bot has pertains to me so it hangs up. I can not even get anyone through social media who will call me on the phone and answer a few questions. They have our very lives in their hands and they cant take a call?? This needs to be illegal. I was done wrong by XXXX XXXX and XXXX doesnt think I should speak to them? Why can they control who lends people money, how much, what youll get charged for insurance, whether you might get a certain job, yet they dont have to TALK to us? NO! The only one that helped me was XXXX. I had a gentleman speak to me, XXXX  in broken English, but he seemed sincerely concerned. I think he may be my lifesaver. 

People have a right to have access to a human who will answer questions! Sometimes a bot just cant cut it. I refuse to jump through hoops for a bot! I think it's a right, if they have control over our lives like they do. Its the least they can do.
Consumer complaint received 2024-09-25
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Merchants and Medical Credit Corporation, Inc. (MI)

Someone called concerning balance to XXXX XXXX XXXX. I was going to pay XXXX per week but the person rudely stated they cant accept that and I told them that I am not making enough money to take Care of myself they refused to work with me so I hung up
Consumer complaint received 2023-05-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Management Holdings, LLC (TX)

XXXX XXXX XXXX XXXX XXXX XXXX , Balance owed {$1100.00}. Tried reaching out to the company to inquire further information. I have no knowledge of this company and maintain help insurance.
Consumer complaint received 2024-09-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (FL)

{$41000.00} wire sent on XX/XX/year> from XXXX XXXX to my Chase account. 
Confirmed Chase received but then passed my around to XXXX different departments and are putting excessive and abusive holds on domestic wired funds in which all other banks have paid to the proper accounts but Chase is holding. Abuse to earn float.
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (FL)

Blocked my account for fraud for a paycheck I got from work department of children and families.. which I clarified on twice they decided to still close my account and Im not able to access my money and thats my only money they said I can go to the bank to get the money if needed sooner because it takes 60days which I did and the bank said they cant give me.. I already called and clarify that its a legit paycheck. And I just need my money
Consumer complaint received 2023-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: PNC Bank N.A. (PA)

Once again the PNC Branch located at XXXX XXXX XXXX XXXX XXXX Pa XXXX is displaying vindictive behavior because I reported their Window Clerk XXXX for purposely having her shirt buttoned opened way too much now on today at this same branch I was unable to use my Debit Card to deposit money into my Savings Account. I went inside the Branch and the Security Guard was illegally playing the role of the Bank Host and he got the Bank Manager and inquired her of the matter and she verbally stated that this wasnt her XXXX problem
Consumer complaint received 2024-09-25
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: Resurgent Capital Services L.P. (SC)

A debt collection company LVNV Funding LLC is listed on my credit three times. They were listed twice on XXXX credit report and today another appeared back again today. This same company has 3 different reporting on my credit report. Two of them are with the same company XXXX XXXXXXXX XXXX  and I have also received a letter from another debt collection agency that one of these had been sold to another company. This company is also trying to collect on an account back from 1997. This one is not on my credit report but they have been emailing me about it. I dont think this company should be reporting three different accounts on my credit reports. And Im not understanding why and how they can delete one account and then add it back again. Im feel like this is hurting my score and the company is violating the fair credit reporting act.
Consumer complaint received 2024-09-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: TD BANK US HOLDING COMPANY (NH)

This has been an ongoing issue with TD bank. I have a mortgage in my name and there have been several times where I made the payment- but for an undisclosed, indeterminate reason, it didn't go through and wasn't processed. TD does not inform me at ALL that the payment didn't go through. For a huge bank in the US, this isn't right. I will get a XXXXXXXX XXXX  correspondence weeks later- but by then they charge me a late fee even through I don't understand why they didn't inform me via text, email, or even faster mail sooner out of a customer courtesy or even a warning before the late fee applies. I ask for the late fee to be waived since I did put the payment in and I have always proved I had the funds for it to process- but they don't care. They said I only get one waiver for the service of the loan and they will not issue anymore, even though this is their fault for the lack of communication. They are unwilling to refund me the late fees for their processing problems when it looks good on my end, and they also refuse to fix this years long problem. 
This is an FHA Loan- it's my first mortgage and I'm frustrated how hard they make the payment experience and also how they won't fix this, but push the late fees onto me.
Consumer complaint received 2024-09-30
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: JPMORGAN CHASE & CO. (CA)

Transaction Details : Date : XX/XX/year> Amount : {$360.00} Merchant : XXXX XXXX Actions Taken : I disputed the charge with Chase Credit Card, claiming the item was returned on XX/XX/year>. 
On XX/XX/year>, Chase informed me that the merchant provided information supporting the charge 's validity and requested further details from me. 
On XX/XX/year>, Chase concluded their investigation, stating they found no record of the return and considered the charge valid. 
I received a final notice on XX/XX/year>, that the dispute was closed and the charge would be applied. 
It is clearly that XXXX / Chase ignored the fact that the item was returned by me on XX/XX/XXXX with XXXX 's own shipping label.
Consumer complaint received 2024-09-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TX XXXX Date : XX/XX/year> LVNV Funding LLC XXXX XXXX XXXX, SC XXXX Re : Debt Validation Request Account Number : XXXX Dear Sir/Madam, I am writing to request validation of the debt you have reported to the credit bureaus under the above-referenced account number. I have noticed that LVNV Funding LLC has been reporting this account on my credit report since XX/XX/year>. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request and obtain proof of the debt you claim I owe. Please provide the following information : The amount of the debt and an itemized statement of the balance. 
The name of the original creditor. 
Documentation verifying that LVNV Funding LLC has the legal right to collect this debt. 
A detailed history of payments, credits, and fees applied to this account. 
XXXX that this debt has not been previously satisfied or settled. 
Please be advised that until proper validation of this debt is provided, I request that any further attempts to collect be ceased. Additionally, I ask that you correct any information related to this debt that is being reported inaccurately on my credit report. 

I appreciate your prompt attention to this matter. Please provide the requested documentation at your earliest convenience. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/XXXX, I've opened checking account at TD BANK, XXXX XXXX, NJ XXXX branch. I was told and they gave me paper stating that if I deposit {$500.00} in 60 days, I will get {$200.00} bonus. I've made more than {$500.00} deposit within 60 days. But I did not get bonus. Then I've sent multiple emails and got multiple answers. One of them stated that, THE LASTEST THE CREDIT APPLY IS XX/XX/XXXX. I did not get bonus. On XX/XX/XXXX, I visited XXXX XXXX, NJ XXXX and was told she sent email, I will hear in 5 days from her. It was lie as well. I tried to reach out by phone, they have hanged up few times, and on XXXX, XXXX phone conversation I was told they submitted claim, will hear them by Thursday, it was lie too. I told them I will file complaint with federal agency, banker laughed at me and told me GOOD LUCK WITH YOUR COMPLAINT. I hope you will help me solve my issue. Banks are modern day robbers. These days they became even more brazen. I still hope the US is not XXXX XXXX, it has institutions who can oversee bank 's illegal practices. 

XXXX XXXX