davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NORTHWEST BANCSHARES INC (PA)

I am a checking account customer of Northwest Savings Bank ( FDIC Cert XXXX XXXX XXXX. I have opted out of " overdraft protection '' and it has been long confirmed by the bank. They have ignored that and paid an electronic transfer without my consent. I have contacted them in-person and on the phone on multiple occasions. They refuse to refund the fee charged for that action, which is approximately 64 % more than the account overage they have charged. I feel it is violating section 5 of the Federal Trade Commission ( FTC ) Act ( Section 5 ), which prohibits unfair or deceptive acts or practices,4 and Section 1036 of the Consumer Financial Protection Act of 2010, which prohibits unfair, deceptive, or abusive acts or practices among other possible federal laws and regulations. If it is not, more laws or regulations should be required. I understand paying electronic transfers is common practice among some banks for customers who have opted out. The company has given me a final response on the phone with the refusal to accurately reflect the charge in my documentation/correct the error and/or ensure me that it won't happen again. They tell me, it doesn't matter. I am being charged {$37.00} ( for a {$24.00} overage ) if they paid it or not. The purpose of this complaint is to form a record of this activity by Northwest Savings Bank and the junk fees imposed.
Consumer complaint received 2024-08-08
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. (FL)

All I wanted was the documentation that was provided to the credit bureaus from the bankruptcy court giving them permission to place any public record in my credit report. The law states only the original creditor can report an account to a consumers credit report and not a 3rd party. These companies are also violating my consumer rights to privacy pursuant to 15 USC 1681b 2. These companies have no permission to report anything using my info pursuant to 15 USC 1681 4.The credit bureaus are admitting to using 3rd party information and that is considered fraudulent and against the law
Consumer complaint received 2024-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (ND)

I went to go deposit {$1700.00} into my U.S. Bank account and I accidentally inserted my XXXX ATM card instead of my U.S. Bank ATM debit card accepted the XXXX debit card even though they said their machine shouldnt have took my pin number let me into the account let me deposit the money cash into the machine but then the machine said the machine error said it was giving me some or none of my money back returned my card with a receipt and on the receipt it showed which card I used to make the transaction and a message saying that there was an error with the machine and either gave me XXXX or none of my money back and to call the bank I called the bank to make a complaint and because I didnt use my U.S. Bank card. They said they couldnt help me. I called XXXX and XXXX said they never seen any transaction that happened that day at that ATM because their cards shouldnt even be allowed to go into the us bank ATMs. I went back to us bank and and told them that I did indeed use my XXXX in their atm and that their receipt clearly shows that and they said they are not part of money pass and that their machine should not have taken my XXXX card, and that the only thing that I could do now was to contact the cfpb because those are the only people that are going to be able to get the correct information like what card was used and look at the U.S. Bank deposits from that weekend so that they could compare them with the amount of money that was counted after the weekend and then they would see that there was an extra {$1700.00} that was deposited into their ATM machine at that bank that wasnt accounted for and that you guys could also get the video camera footage of me putting my card into the ATM putting the money into the ATM and never getting any money out of the ATM thats verifying again that I put {$1700.00} into their account that they have extra now thats unaccounted for that they never deposited into my U.S. Bank account
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

To Whom It May Concern : Capital One sent out billing statements to the credit bureau for the billing statement ranging from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX. There was an interest of {$8.00} that accrued on my credit card that was interpreted by the credit bureau as a missed payment. Now showing as a delinquent mark on all three credit bureaus. 

I never had a missed payment of {$8.00} with Capital One. Capital One should not have sent automatically my personal billing statements to the Credit Bureau for additional information that was not specific in relation to a missed payment late at the 30-day mark that is by standard reported late to the credit bureau XXXX 

I spoke with XXXX, Manager at Capital One on XX/XX/, to try to resolve this issue over the phone and was informed, I would need to send a letter in writing to their Credit Bureau Dispute Department to have this matter resolved even though the error is with Capital One and the additional information they provided the Credit Bureau agencies. 

This is an infringement on my privacy and the good faith standard of what information is sent over to the Credit Bureau agencies. 

I would like this matter investigated, and the correction made to retract inaccurate information concerning late payments that were never payments only interest accrued on my credit card with Capital One. 

Due to this incorrect delinquent mark on my credit report, I have not been able to take out a personal loan for a matter that was important for me and my household even though I have a credit score of XXXX as of today.
Consumer complaint received 2024-08-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX This company is on my Equifax credit report. They indicate that I owe XXXX dollars. I have never done business with them. We have not had XXXX XXXX in over 20 years. This place is a scam. I tried multiple XXXX plus times to contact them. I only got a busy signal. I am going through the motions of disputing it, to remove it from Equifax.
Consumer complaint received 2024-02-14
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (NC)

This collection that is called Transworld Systems, with a debt of XXXX. The FCRA protects information collected by consumer reporting all agencies. It is designed to promote Accuracy, fairness, and privacy information. The XXXX XXXX XXXX XXXX XXXX  violated the law because I have no knowledge of this account nor have I ever lived there in my life
Consumer complaint received 2020-05-27
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. (CA)

applied for a XXXX credit card today XX/XX/2020 and I wasn't approved because there is an account reflecting badly on my credit report. The company that the account is from is called XXXX. I did not open an account with this company nor did I allow anyone to open this account in my name. I did not gain anything from this account being opened in my name such as money, goods, services or any other benefit nor did I ever make any payments towards this account. I do not have any written/verbal contract with this company and I never allowed them to run or access my credit information. I have already filed a police report regarding this suspicious account. I filed this report to the best of my knowledge.
Consumer complaint received 2024-08-08
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. (CA)

I understand how important it is to make timely payments. However, I missed my payment because COVID-19. But Im confident this wont happen again. As you can see from my account history, I have a long record of on-time payments before and since the late payment. 
As a courtesy, I respectfully request that you make a goodwill adjustment to remove the late payment on [ XX/XX/2020 ]. Please consider my track record as proof that I take my financial obligations seriously.
Consumer complaint received 2023-08-20
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: Colony Brands, Inc. (TX)

Account (. ), has violated my rights. 15U.S.C.1681 section 602. A.States that I have the right to privacy.15U.S.C.1681Section604 A. Section2 : it also states consumers. Reporting agency can not Furnish account without you want me to go without my written instructions.15 U.S.C. 1666B : a creditor may not treat a payment on a credit credit account under an open and consumer Credit plan as late for any reason.
Consumer complaint received 2024-06-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/year> I had a phone call from my bank Chase telling me that some one was scamming me of my savings account. I was advised to transfer my funds to my checking account to stop the fraud. After that call I was rattled about it and I decided to drive over to chase bank. Upon arrival at chase i was told that someone transferred {$9200.00} of my money to XXXX XXXX bank through wire transfer. I told the bank representative that I did not authorize that money transfer. I was told that they will fix it it has been three months and still my money is missing. I just received a letter from chase bank stating that they can not refund my money.
Consumer complaint received 2024-06-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I received my credit report and to my surprise there was unauthorized, unverified accounts that I have no knowledge of. There is a collection on my account from Capital One that is hindering me from utilizing my credit and this unauthorized account needs to removed immediately. This unauthorized account was opened on XXXX its listed on XXXX, XXXX, and XXXX. According to the FCRA 15 U.S. CODE 1692 this account needs to be removed immediately.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (CA)

XXXX XXXX XXXX XXXX on XXXX XXXX ran my credit report XXXX XXXX on XXXX XXXX ran my credit report CBNA on XXXX XXXX ran my credit report XXXXXXXX XXXX XXXX XXXX on XXXX XXXX ran my credit report XXXX XXXX on XXXX XXXX ran my credit report I have already did my FTC Report I also sent the FTC to the credit bureau, but they came back saying that this was correct, specifically stating that I would like for this companies to send the correct and proper documents showing that I applied with them ; they have not and have failed too.
Consumer complaint received 2023-12-07
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: Experian Information Solutions Inc. (FL)

These inquires are unauthorized and they are not related to any transaction by me : 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 2024-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/year> I noticed my bank balanced was inaccurate, after looking closer there were several charges that I did not recognize. I called the financial institution Huntington Bank to inform them I did not authorize the listed below charges. Customer service informed me they would do a full investigation and issue a temporary credit while they conduct their research. She advised me the credit would take place 1-10 business days. I did not receive any credit. I then called the bank on Thursday XX/XX/XXXX to follow up as to what is taking so long for the credit to issue. She advised me that on XX/XX/XXXX the bank concluded the charges were authorized. Not only did they not issue the credit but they did not conduct a thorough investigation. 

Fraudulent transactions with accompanied dates, and amounts listed as followed '' XX/XX/XXXX XXXX {$100.00} XXXX XXXX {$420.00} XXXX XXXXXXXX XX/XX/year> {$950.00} XXXX XXXX {$1500.00} XXXX XXXX  {$870.00} XXXX XXXX {$900.00} XXXX XX/XX/year> {$1900.00} XXXX XXXX {$1300.00} XXXX XXXX {$500.00} XXXX XXXXXXXX {$55.00} XXXX XXXX XX/XX/year> {$1.00} XXXXXXXX XXXX
Consumer complaint received 2023-09-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated (CA)

During a routine check of my credit reports in XXXX, XXXX, I discovered a collection account posted that I had no knowledge of, nor contact regarding. I called Consumer Adjustment Company, spoke to XXXX XXXX, who informed me it is an account from XXXX belonging to XXXX XXXX XXXX for {$350.00}. I asked for any information to verify or validate the debt, and questioned that I had never been notified through mail, e-mail, phone, nor any other means. My understanding is that they are required to notify me within a reasonable time to allow me to dispute prior to posting the collection to my credit reports. They have sent me nothing, nor have they contacted me, nor have they removed the item from my credit reports. Upon my investigation, I discovered that this was a part of an XXXX data breach that victimized auto-pay customers and their personal and bank data. XXXX XXXX XXXX  was one account involved, was remedied, settled, and closed. Why a collection agency would attempt to revive an account that is time-barred by the statute of limitations, let alone that it was closed years ago in remedy of the data breach. Also, that the collection company would not attempt to contact me prior to placing the account on my credit report violates my rights under FDCPA.
Consumer complaint received 2024-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

Dear Consumer Financial Protection Bureau, I am writing to you out of sheer desperation and frustration regarding the abhorrent treatment I have received from US Bank. On XX/XX/2024, I took the responsible step of reporting fraudulent charges on my account, only to be met with a nightmare that has left me and my family in dire straits. 

Without warning or explanation, US Bank froze my account on XX/XX/XXXX, leaving me unable to access any of my hard-earned funds. Despite my repeated attempts to seek information about why my account was frozen and how long their investigation would take, I have been met with nothing but rudeness, disrespect, and a painful run-around. 

The consequences of their actions have been devastating. On XX/XX/XXXX, US Bank prevented my rental payment from going through, resulting in my landlord serving me with an eviction notice. As a result, I am now facing the very real possibility of homelessness, along with the added burden of not being able to provide for my XXXX young children. 

Adding insult to injury, I have an XXXXyear-old son scheduled to return home on XX/XX/XXXX, and I am unable to afford his plane ticket due to US Bank 's callous actions . It breaks my heart to think that I may not be able to welcome him home because of this unjust situation. 

It is incomprehensible to me how a bank, entrusted with the financial well-being of its customers, can wield such power without any regard for the human lives they impact. It feels as though they have made robbing their customers an effortless endeavor, while they continue to profit off of our hard-earned money sitting idle in their bank. 

I implore you to intervene on my behalf and hold US Bank accountable for their actions. No one should be subjected to the kind of treatment and hardship that I have endured at the hands of a financial institution. I am not just a number on an account statementI am a person, a parent, and a member of society who deserves to be treated with dignity and respect. 

Please help me regain access to my funds and restore some semblance of stability to my family 's life. Your swift action in this matter would mean the world to us. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am writing to file a formal complaint regarding a collection account labeled " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. 

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 

The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Consumer complaint received 2024-02-14
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: GOLDMAN SACHS BANK USA (MI)

My Apple credit card was charged in XXXX XXXX XXXX in the amount of {$550.00}. I did not recognize this purchase as my phone was lost at the time so someone may have used my Apple pay or easily accessed my card info. I made a dispute and after 3 months they decline the dispute with no evidence as to why they couldnt refund me. I opened another dispute in XXXX and they are requesting evidence from me, when they didnt even send any evidence. I have spoken with multiple agents and called and no one has helped me with this process. It has been very difficult. I have heard many similar stories with this card from other people.
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Complaint for the Credit Card applications for Capitol One or XXXXXXXX XXXX XXXXXXXX and most of all the Small Business Loan XXXX access is delayed in my applications need to access the XXXX XXXX XXXX XXXX XXXX  with the Act of XXXX XXXX act and XXXX XXXX XXXX XXXX XXXX XXXX XXXXt for the weather climate change drought summer conditions last summer for this summer and for single individuals to stabilize from the many escheated people who's property is to be for the misuse of city police too quickly the they own the homes with century XXXX who's negligence were let be disturbed unitl homes foreclosed from the conflict of broken police rules violating the XXXX amendment of the bill of rights. In compensation for the cfpb I would like just the regular recent rules to help me able to qualify for a small business loan and capitol one credit I think is to be more easy access of credit for economic relief and XXXX XXXX to arrange please for me
Consumer complaint received 2023-06-02
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. (NJ)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 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 2024-06-05
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: JPMORGAN CHASE & CO. (GA)

JPMCB CARD SERVICES XXXX XXXX I XXXX XXXXXXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX bank I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes.As such, it is a very serious error in reporting. I never authorized such action, if this constitutes a violation of my rights under The fair Credit reporting act 604 As well As a violation Of my rights to privacy.

These inquiries were made fraudulent without my Knowledge and or permission. These inquiries were made XX/XX/2023, XX/XX/2023 XX/XX/2023, XX/XX/2023 If you find that I was not the one who Authorize these inquiries I asked that it would be removed Immediately. Please be so kind as to Forward me documentation That you have had the unauthorized inquiry removed. If you find that I am an error then please send proof of this Your immediate attention To this matter is appreciated.