davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (WA)

I am writing to file a formal complaint regarding a recent issue with my Nordstrom credit card account. My name is XXXX XXXX and I have been a loyal and responsible customer for a long time. I have always made my payments on time and have never received any notices of late payments. 

Recently, I was shocked to discover that my Nordstrom credit card had been closed without my knowledge. This closure has had a significant negative impact on my credit score, which has been impeccable until now. I have always had my payments set up on auto-pay to ensure that they are made on time, so I was surprised to learn that there was an issue with my account. 

After investigating the matter further, I discovered that there was a bank error that led to the closure of my Nordstrom credit card. This error was not caused by any actions on my part, and I believe that it is unfair for my credit score to suffer as a result. 

I am requesting that Nordstrom Card Services take immediate action to rectify this situation and correct the error on my credit report. I have worked hard to maintain a good credit score and I believe that I should not be penalized for a mistake that was out of my control. 

I appreciate your prompt attention to this matter and look forward to a resolution that is fair and just. Please contact me at or to discuss this issue further. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

There is an inquiry from my recently pulled credit report on XX/XX/year> from Capital One. I did not request/authorize this. Requested information from company via mail. No response received.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

On XX/XX/year>, I looked on my credit report and I noticed some inaccuracies. I sent a letter to XXXX on XX/XX/year>, to investigate these accounts ( XXXX ). I sent certified mail. They sent me their investigation and said those accounts were accurate. And according to 15 USC 1681i ( 5 ) I see it states after reinvestigation under paragraph ( 1 ) of any information disputed by consumer, an any item of information is found to be inaccurate or incomplete or can not be verified. The credit bureaus did not reinvestigate and violated my rights.
Consumer complaint received 2024-07-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. ()

My boyfriend sent me money last week. At first, he sent XXXX XXXX but I asked him to cancel it, so he requested a refund. The customer service ( remitly ) said to wait for 15 days before the money is returned to his account. Then 3 days ago, he sent another XXXX XXXX for cash pickup and sent a receipt stating that I will receive the money by XX/XX/year>, which is today. I told him to check the transaction today, but he couldn't log in anymore. They suspended his account for no reason, and {$1000.00} plus was also missing from his account. He was scammed by remitly!
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Cascade CISS Holdings, LLC (NY)

I am writing to express my deep concern and frustration regarding an error with my credit card report. All three major credit bureaus have incorrectly reported a significant issue on my credit card account, which has drastically hurt my credit scores. This mistake has caused me emotional distress, as I have always been diligent about managing my finances. I am worried about the impact this error is having on my ability to secure loans and other financial opportunities. I kindly request your immediate assistance in correcting this error to restore my credit score and bring peace of mind backintomylife.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am writing to express my deep concern and frustration regarding an error with my credit card report. All three major credit bureaus have incorrectly reported a significant issue on my credit card account, which has drastically hurt my credit scores. This mistake has caused me emotional distress, as I have always been diligent about managing my finances. I am worried about the impact this error is having on my ability to secure loans and other financial opportunities. I kindly request your immediate assistance in correcting this error to restore my credit score and bring peace of mind backintomylife.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WA)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect, and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-08
Product: Credit reporting 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: EQUIFAX, INC. (TX)

I have been experiencing attacks on my life, cyber crimes and consistent hacking for twenty plus years secondary to criminals trying to steal land which has been in my family since the XXXX. 

They want the land and minerals on my land. 

I cant get employment because I cant fill out applications on line. They hack everything. Landline and cell phones are monitored. I am tracked wherever I go. 

This criminal activity has been brutal. The constant attack is so brutal and vicious that I should be XXXX  including XXXX! 

My excellent credit scores have been decimated because I cant pay my bills. Wherever I live, these folk are trying to XXXX XXXX!!!!!! The local , county and state police have been contacted. The FBI has been contacted and an investigation has been started. 

What can you all do to protect consumers when due to no fault of their own, their credit is ruined secondary by criminal activity.
Consumer complaint received 2024-07-29
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FinCo Services Inc DBA Current (FL)

On XX/XX/XXXX I attempted to use my current bank card at an ATM to get {$200.00} cash. The ATM operated by XXXX did not dispense my money. I called XXXX they confirmed to me that that money had not been dispensed and told me that I had to file a dispute with my bank. I called my bank and was told that I could not file dispute until the transaction posted. Following day XX/XX/XXXX I filed the dispute. I have gotten no answers yet about this and my money is still held up. I have spoke to XXXX and they have told me that they gave Current bank the information needed long ago and that I shouldve already had my money back. All I can get from Current bank is a cookie cutter copy paste email telling me that disputes can take a while. No answers and theyve been holding up my money for almost 40 days now. Without good reason theyve been holding my money for almost 40 days now without any reason at all except they dont want to give it back or theyre using it or whatever. They tried to tell me that the merchant has 30 days to respond. Well its been almost 40 so either way no matter what scenario they try to say I should have my money by now.
Consumer complaint received 2023-10-27
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: Experian Information Solutions Inc. (GA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CHARLES SCHWAB CORPORATION, THE (WI)

On XX/XX/year> I recieved a text that a fraudulent charge occurred asking if it was me. I called Charles Schwabe fraud dept. talked to XXXX. He noticed a wire transfer request and asked if I did that. No. He assured me he stopped the transfer and locked my account. Later that day my email from Schwabe showed XXXX wire transfers went through. Some XXXX  had taken my money out of my checking account, moved to my brokerage account and wired to XXXX XXXX {$7400.00}, {$9900.00}, {$22000.00}. I called Schwabe and was told an investigator would call me. Eventually the investigator XXXX XXXX said on the phobe schwabe would not be paying me. Something didnt make sense and i must have given my login and password out or some code. I did not. Also charges were made on my credit card again even though it was locked
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (CA)

COMENITYBANK/VICTORIASECRET Late payment. XX/XX/2023 In accordance with the fair reporting act this creditor has violated my rights under 15 U.S.C 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: ProCollect, Inc. (FL)

1 ) I have never resided at the alleged Apartment 2 ) I called and spoke to several collection agents that hung up on me 3 ) I requested a letter of verification and it has been more than 30 days with no response.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MO)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX CT, XXXX, MO, XXXX Employer - XXXX XXXX Incorrect DOB : - XXXX Employer - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, MO, XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX XXXX XXXX - XXXX XXXX  - XXXX Listed below are the Collections that are being challenged XXXX - XXXX SANTANDER - XXXX XXXX  - XXXX XXXX below are the Inquiries that are being challenged XXXX - XXXX XXXX  - XXXX INFORMATIV - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (FL)

Chime has been apparently having issues distributing direct deposit every pay cycle since the beginning of COVID four years ago. Deposits have either been delayed or flat out disappeared for no reason whatsoever during this timeframe despite on their website it says that all services are fully operational. Im really starting to suspect that they are actively and deliberately withholding customers money longer than they should be. Even after being fined by the CFPB this past XXXX. This problem needs to be addressed and fixed immediately once and for all! Im already late on paying my rent and on the verge of being thrown back out on the streets because of this!
Consumer complaint received 2024-07-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

Money gram charges you {$25.00} to {$100.00} in order to request a copy of your own account and all the money that you have sent. Its {$25.00} for 0-1 years {$50.00} for 1-3 years {$75.00} for 4-5 years and {$100.00} for 6-7 years. They said its to cover operational costs. What a joke this is. Its my account and they should send you a copy so you can report it on your taxes. This seems like a total scam the amount of money they are changing if they wanted to change {$1.00} to {$5.00} but {$25.00} to {$100.00} seems very unfair and extremely expensive for transactions on your own personal account.
Consumer complaint received 2024-08-05
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I'm filling this ftc to report separate fraudulent account appearing in my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud .the fraudulent account try to open an account in my name to the due date following XX/XX/year> from Capital One NA this account have resulted in several fraudulent hard inquiries appearing in my credit report. I demand that the aforementioned fraudulent item be removed from each of my consumer credit report activity related to said item cease pursuant to my rights within the FCRA and FDCPA laws.
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (MD)

I'm busy and manage rental properties. I've had this account with TD for years. I recently attempted to make payments via XXXX related to my activities, when time was critical. But inexplicably received a message refusing to make the transfer after I'd input all information- and the recipient was expecting the transfer. I was able to make other arrangement with another institution. A second incident occurred today, XXXX, wherein I attempted to make very small transfers to recipients that had recently made transfers to me- so their account and contact information was known to TD. Again - these transfers were not only blocked after I had input all information - but then TD advised me that my account was frozen or " Placed Under Review '' - because I simply attempted to make these small transactions. FYI the account has over XXXX in it for weeks, and the small transactions were {$50.00} to two known individuals. It is my experience for years that TD quickly and easily accepts funds, but then makes it very difficult for customers to access their own funds via transfers OUT. This gives the impression that there are liquidity issues with the bank. And I've recently discovered XXXX - who partners with most large banks - elects not to partner with TD over things I'm just beginning to understand.
Consumer complaint received 2024-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Experian Information Solutions Inc. (NV)

XX/XX/year> the web site doesn't stand for a piece of paper. I have a visible asset space character in name and web page refuses to provide account services to customer. I report of bank liability communism to be denying assets in account services to customer of equal credit opportunity act for a open end account without limitations.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (CA)

There was an inquiry into my credit from Synchrony Bank on XXXX XXXX, 2023 which I do not consent to or recognize. I asked Synchrony Bank to please remove it and they didn't do so. 

SYNCB XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (SC)

Okay today is XX/XX/year> as of XX/XX/year> I deposited a refund check to chase bank for the amount of XXXX I waited the 7 days for my check to clear for the release of my funds and when it cleared they put a hold on my account for no reason after verifying everything they need still a hold then I got a letter XX/XX/year> tht my account was being closed and still no answer to why or where my funds are been waiting so long and go back and forth with them over the phone I figure I'll give y'all a try to get my funds to me
Consumer complaint received 2024-07-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NC)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

As of the latest information available, this collection account with XXXX XXXX XXXX has been successfully removed by both XXXX and XXXX, and it is imperative that my credit report remains accurate and consistent across all three major credit bureaus. 

I have the right to ensure that the information on my credit report is factual and up-to-date. The discrepancies between the credit reports from Equifax and the other two major credit bureaus are causing undue harm to my credit standing and financial reputation. I request that Equifax takes immediate action to delete this collection account from my credit report, as it has already been confirmed as inaccurate and has been removed by the other credit reporting agencies. 

In addition, this is a formal cease and desist letter barring Equifax from continuing to publish this incorrect information on my credit report. This also means that this account has to be deleted because a credit report serves a communication medium as well as stated in XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-27
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: Experian Information Solutions Inc. (FL)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (IL)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Dispute of Credit Report Entry Due to Fraudulent Activity on American Express Account Dear Sir/Madam, I am writing to formally dispute an erroneous credit report entry concerning an American Express account that I never received or authorized. My personal information is as follows : Full Name : XXXX XXXX Social Security Number : Date of Birth : On XX/XX/scrub>XXXX XXXX XXXX I contacted American Express to report that I had not received my replacement card. During this call, the customer service representative informed me that the card had been activated and used fraudulently. The representative assured me that the card would be canceled and that any fraudulent charges would be reversed. 

Despite these assurances, my credit report now shows an outstanding balance on this account, which is incorrect because I never received the card and did not make any purchases with it. 

I have attached the relevant documentation, including : A copy of my credit report showing the incorrect balance. 
A summary of my phone call with American Express on XX/XX/year>, detailing the fraudulent activity and subsequent account cancellation. 
Any correspondence from American Express confirming the cancellation and fraud reversal. 
I request that the CFPB assist in resolving this issue by : Ensuring that American Express corrects my credit report to reflect a XXXX balance or completely removes the account from my credit history. 
Confirming that the account will not adversely affect my credit score or financial standing. 
Please contact me if you require any further information or documentation. I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Thank you for your assistance. 

Sincerely, XXXX XXXX