davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Equifax : Thank you for deleting some of the accounts which inaccurately appeared on my credit file Though, I still actively challenge the following remaining items. These accounts are still being recorded incorrectly and are severely harmful to me. In accordance with the Fair Credit Reporting Act, Section 1681i, I ask that you XXXX these accounts and clear them from my credit file. 
XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX - XXXX Furthermore, I would like to know how you verified these items including the names of the individuals you contacted for verification, along with their addresses and phone number so I may check with them as well. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found and account on my credit report that was not opened by me. This has been hurting me as I am in the process of buying a home. Please remove this fraudulent item from my report immediately.
Consumer complaint received 2019-12-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

I have been calling Bank of America for 6 days now ... NOBODY PICKS UP THE PHONE. Today was the 1st day, anyone picked up. I called Bank of America manager, XXXX XXXX XXXX because a week prior to today, her employee refused to open an account for me, in violation of Federal Law 's. XXXX gave me her business card and told me to Email her, which i did. She refused to email me back. When i called today and asked, she said She can not email outside of Bank of America. I asked her why is her email is on her card then, she got upset, and talked over me, continuously, not letting me finish ANY questions i had in reference to doing business with Bank of America. My mother was witness to this conversation and witnessed this woman 's behavior via Speaker Phone. This woman is the most unprofessional person i have ever come across at any Bank across the US. This woman acted like a 10 year old Child caught with her hand in the cookie jar. Every question i attempted to ask, was a legitimate question, yet this person did not listen, talked over me and hung up on me. When i asked why her Email is on her card and why did she ask me to email her, her response was " Im not gon na argue with you '' and talked over me, without pause, without letting me speak, then hung up on me. Not only has this Bank violated Code of Federal Regulations by denying me an account, via the Terms they stated, they on top of that, tell me to email them to work on the situation, then claim they dont do emails. I am seriously contemplating taking Bank of America to District Court over " Civil Rights '' complaint. The Bank of America store number is XXXX.
Consumer complaint received 2019-12-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (FL)

I have a Checking account with TD Bank, and on XX/XX/XXXX I had funds in the amount of XXXX dollars in the account. On that same day a check was debited out of my account for XXXX, and a pending transaction for {$48.00} leaving XXXX in the account. On XX/XX/XXXX funds were debited out of my account for XXXX dollars, which of course sent the account into overdraft which I understand. An over draft was assessed to the account on XX/XX/XXXX and I then deposited XXXX dollars into the account on XX/XX/XXXX. Now this is where it gets interesting, also on XX/XX/XXXX that same fee for XXXX dollars that was PENDING and already debited out of my account is posted and TD charges an overdraft fee for this! So I am being charged an overdraft fee 2x for the same transaction, or being charged for what I see as incredibly unfair lending practices. To rehash XXXX is the amount in the account and a rent check comes out for XXXX, and there is a pending charge of XXXX, leaving me with XXXX dollars roughly. Then XXXX is debited out of the account and I am XXXX dollars in the negative, thus a XXXX dollar overdraft. However, immediately after this TD now fully recognizes the XXXX dollar charge which was pending and Overdrafts me again. What TD did was hold the XXXX, so when the XXXX was withdrawn I became overdrawn and was assessed a XXXX dollar fee. Then TD no longer holds the XXXX and even though the funds were already accounted for I get another charge how this possible? If this XXXX dollar charge was debited out of my account and is what caused the XXXX debit to be a negative balance, then how can it also be added to my account in NAME only and I be charged again???
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

This is absolutely insulting and frustrating, I am a law abiding citizen and this is a blatant violation of my rights as a consumer. This inaccurate information being reported on my credit is negatively impacting all aspects of my life which is extremely stressing and making it hard for me to live and achieve financial stability. I am having a hard time getting approved for new credit due to this error.
Consumer complaint received 2024-08-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Dispute of Charges for Fraudulently Opened Credit Card - FTC Identity Theft Report To whom it XXXX concern, I am writing to formally dispute charges from Capital One related to a credit card account that was fraudulently opened in my name. I never applied for nor authorized the opening of this account. Since XX/XX/year>, I have been receiving collection letters demanding payment of {$330.00}, which I believe to be fraudulent. 

I have taken the following actions : Initial Contact : I contacted Capital One 's customer service to report the fraudulent opening of the card and to request its immediate cancellation, as well as the removal of any associated charges. 

FTC Report : I filed an identity theft report with the Federal Trade Commission ( FTC ) regarding this case of fraud. 

Bank Dispute : On [ the date ], I formally requested my bank to reverse any charges related to this card and to safeguard my existing accounts. 

Under the XXXX XXXX XXXX and other applicable laws, I demand that the necessary measures be taken to resolve this matter promptly. I expect all collection attempts to cease immediately, and I request an investigation into this incident to prevent further issues. 

Please find attached copies of the collection letters, my FTC report, and any other relevant documents. 

Thank you in advance for your prompt attention to this matter.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

The company is the credit bureau Equifax : In XXXX, I tried to freeze my Equifax credit report but their website was not working and couldn't verify my identify. I had to mail in a copy of my social security card and driver 's license so that this could be done. My credit was successfully frozen, but their website still can not verify my identity so I am unable to lift my security freeze in order to apply for credit cards, apartments, mortgages, etc which has been a huge trouble point in my life. After calling customer service a large number of times, they had me send my social security card and driver 's license for a SECOND time to their office to hopefully get things straightened out and my freeze lifted. This was in XXXX and I've waited a year and nothing has happened. About 1-2 months ago, I called again and they had me send a copy of my social security card and driver 's license for a THIRD time to their office. This time I was very attentive to the issue calling every week with an assurance that my issue would be taken care of in 30 days. It was not and I am still unable to lift my security freeze, and therefore unable to apply for credit cards, apartments, loans, etc. I have filed an Equifax dispute via mail ( since I am also unable to do so via their disfunctional website ) which is ongoing and is SUPPOSED to resolve the issue but nothing has happened yet, and I have lost trust with this disorganized credit bureau hence why I am submitting this complaint to CFPB, as this was an issue that should've been fixed years ago. Customer service can't even locate my file despite me giving all my information, and seem to be helpless regarding this specific issue. Worth mentioning : my family as well as hundreds of people on the internet have ran into a similar issue with Equifax. Thank you for your future help.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I did a Credit Card payment plan through XXXX XXXX. They take a little over {$600.00} a month out of my checking account and pay my cards for me. I have XXXX of the credit card companies that have reported to the credit bureaus that my accounts were charged off when in fact they are still getting paid through the plan. XXXX XXXX works with the credit card companies and make a payment plan and come to an agreement. What can I do to make them take the CHARGE OFF status off the credit report when they are still getting paid as if I were paying them myself? I never missed a payment or was ever late. They were usually always paid early and for more that the minimum.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am writing to formally submit a complaint against Capital One for the following reasons : 1. Inaccurate Reporting : The bank has reported inaccurate information regarding my account to credit reporting agencies. This misinformation has adversely affected my credit score and financial standing. 

2.Misuse of Federal Reserve Loans : I am concerned that CAPITAL ONE may be abusing loans obtained from the Federal Reserve . It appears that these funds are not being utilized in a manner consistent with ethical banking practices, particularly in relation to my account. 

3.Abuse of Insurance Policy : The bank charged me while collecting on the Insurance policy that was supposed to insure the alleged loan. This practice appears to be an abuse of the Insurance coverage and has resulted in additional FinanciaXXXX burden on my part.
Consumer complaint received 2024-08-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

We booked a XXXX flight through Amex XX/XX/XXXX. 
We decided to cancel the XXXX flight on XX/XX/XXXX, and we were told we received a refund. 
We purchased a XXXX XXXX flight instead through Amex on XX/XX/XXXX. 

On XX/XX/XXXX, I received XXXX separate emails from Amex indicating that both our XXXX XXXX flights and our XXXX flights were still active. Although we thought we had previously canceled the XXXX flight, the email indicated the XXXX flight was still active. 

I immediately called the Amex travel agency and the travel agent told me that indeed, both flights were still active, the XXXX flights had not been cancelled. She told me I needed to cancel either the XXXX or the XXXX, and that I would get credit if I cancelled the XXXX  flights. So I told her to go ahead and cancel the XXXX flights. 

I then went back into the system, and was shocked to see that both flights were gone! We no longer had XXXX or XXXX flights booked for our XX/XX/XXXX travel! 

I called the Amex travel agency back to alert them of the situation. They confirmed that we no longer had any flights. They were not sure what had happened. The agent told me that even though she had cancelled them only XXXX minutes prior, there was no way for her to get the flights back and that I needed to rebook the flights, which were now a total of {$13000.00} instead of the original {$6600.00}. I was told I needed to authorize purchase of them immediately before the price went even higher, and then could request a refund for the difference. 

When I tried to collect the refund for the difference, I was put into endless circles. The Amex agent told me they could not give me a refund, because the tickets were purchased with XXXX. I filed a formal complaint, as was issued ticket XXXX XXXX. 

On XX/XX/XXXX, I spoke with XXXX on the compliance regulatory team, and XXXX was unable to help me obtain the refund of the ticket price difference. I spoke with XXXX and XXXX on XX/XX/XXXX, and they were unable to refund the ticket price difference. I finally was put into communication with a supervisor named XXXX, and waited for his return call for XXXX weeks. I spoke with XXXX on XX/XX/XXXX, and he also told me he could not issue a refund for the price difference. 

I have since been trying to escalate the matter with Amex authorities with no success. 

Amex travel acknowledges that they provided false information contained in documented emails indicating that I had XXXX active flights, and that the Amex agent provided me false information verbally over the phone, telling me that I NEEDED to cancel XXXX of the airlines tickets. This either represents XXXX ) gross negligence and incompetent systems & training or XXXX ) fraudulent behavior by Amex with respect to getting higher kickbacks from the airline company for more expensive tickets.
Consumer complaint received 2024-08-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

Chase randomly closed my account after $ XXXX dollars were stolen from it. They refused to properly used any cameras to investigate the ATM activities, and didnt give me any reason or explanation as to why my account has been closed. They only spent two days investigating my claims before denying all of them.
Consumer complaint received 2024-08-20
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (CA)

I PURCHASED A BED FOR {$1300.00} WITH NO INTREST IF PAID IN 12 MONTHS..I I DID PAID FULL AMOUNT WITHIN THE THE YEAR. TODAY I STILL OWE XXXX THAT I HAVE NO IDEA WHERE IT CAME FROM? I TRIED TO STOP PAYING THEM, THEY HURT MY CREDIDT SO BAD. AFTER THAT I HAVE NO CHOICE OTHER THEN PAYING THEIR MINIMUM. I WAS FORCED TO PAY A LOT OF MONEY BECAUSE I HAVE NO HELP FROM NO BODY. S SO, I DECIDED TO KNOCK MY GOVERNMENT DOOR FOR HELP. THANK YOU.
Consumer complaint received 2023-03-23
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. (NC)

This is my 2ND endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXX : {$2500.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken (WA)

I created a crypto account on XXXX on XX/XX/2024, submitted all the ID documentation, and was approved the same day. I funded the account on the same day with XXXX USD from XXXX and made an instant purchase of XXXX. 

On XX/XX/2024 I get the appended message from a " XXXX '' in kraken support. On XX/XX/2024 I transferred my XXXX to a wallet on a different platform, but the transaction was canceled manually by kraken. My account was closed, and reopened on XX/XX/2024. I again attempted to transfer my XXXX  on XX/XX/2024, and it was again canceled. Kraken has not provided any reason other than the below : XXXX ( Kraken Support ) XX/XX/2024, XXXX PDT Hello XXXX, Unfortunately, we must inform you that we will be closing your Kraken account. For security purposes, we can not disclose the reason for this action. 

Please note that you still have a balance on your Kraken account. Therefore, we request that you complete the following actions within the next XXXX hours ( from the time and date of this message ) : Convert crypto to cash. 

Withdraw your remaining balance to a bank account you deposited to Kraken ( account ending in XXXX ). 

Export all your trade and ledger history as we will be unable to provide it to you later. 

Deposit services have already been disabled for your account. After the XXXX hours have passed, your account will be closed. Kindly note that you can not open another Kraken account. We may reach out to you if we require additional documentation. 

We appreciate your understanding. 


Finally, on XX/XX/2024 I get this from kraken support : XXXX ( Kraken Support ) XX/XX/2024, XXXX PDT Hello XXXX, The withdrawal was manually failed, as we can not allow you to withdraw cryptocurrency. 

Since you have not proceeded with the necessary actions, we have closed your Kraken account.
Consumer complaint received 2024-08-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE (OH)

We have signed up to opt out of over draft protection .As it was described to us its a service that doesnt allow your checking account to be over drafted past 0.So if the money isnt in the account it doesn't get pulled.FOR Years now, We have to deal the bank not following this .Like they are forcing us to use a form of over draft.The bills we pay dont post or get pulled FOR WEEKS sometimes and the companies we talk to about this Blame it on Huntington. 3 days ago my progressive app said I was paid up Until XXXX So 2 days ago progressive posted a XXXX $ pull summation to our account.which took our balance past {$0.00} to - $ XXXX.I called Huntington and they said dont worry the money isnt available and u have payed out of over draft so your account cant get over drafted so progressive wont be able to pull from your account .I called progressive and progressive said dont worry it was an accident so it getting sent back as non funds is no problem .Today they paid it and when I called to ask I get a completely different story about whats going on like usual with this bank.Im filling with u before I get a lawyer involved and XXXX XXXX .Than Im going to go to social Media and tell everyone I know to pull your money and move banks.
Consumer complaint received 2024-08-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

VALIDATION AND CEASE AND DESIST CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Dear CAPITOL ONE I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>