davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

This is either an operational error or an internal fraud. I have contacted Citi on XX/XX/year> with regard to fraudulent transactions/withdrawals in my account, totaling {$2200.00}. The processing of my request was extremely confusing, with Citi initially provisionally crediting my account " in double '' ( every single transaction was duplicated ), then withdrawing the dupes a few days later, and then rejecting my request, and withdrawing the full amount. I contacted Citi a second time to re-open the investigation, and I received a new provisional credit, but when I reconciled the transactions one by one, I identified that XXXX transactions were missing in the provisional credit ( there were XXXX transactions when it should have been XXXX ). Every time I contact Citi to have this clarified and fixed, I am transferred to the dispute department after a long wait, and my call always gets disconnected before the issue is resolved.
Consumer complaint received 2024-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

On XX/XX/2024, I contacted Citibank and explained that I was seeing debits in my account that I did not recognize. My wife and I ( the account holders ) were both in XXXX, and these debits were occurring in XXXX XXXX ( XXXX ) and in Florida. Some of the debits looked like " transfers '' and even had the names of people who would be receiving the transfer ( and we do not know those individuals ). The total amount being disputed is {$2200.00}. 

Citi started the investigation and credited our account on XX/XX/2024. On XX/XX/2024, we received a response from Citi stating that their investigation indicated their those withdrawals were made from our account using our Citibank Banking Card and that the activity appeared to be consistent with our normal banking activities ( despite the fact that we were not physically in those locations and have our banking cards with us in XXXX  ). Our dispute was denied and Citi deducted the provisional credit from our account. 

I called Citi once again on XX/XX/2024, and explained the situation. I said I believed that our Citi Banking XXXX had been " cloned '' when we used it to withdraw money in a ATM in the XXXX XXXXXXXX XXXX XXXX. That was the only time we used our Citi Banking Card in XXXX this year, and we noticed that the odd debits started shortly after that ( and when we had already returned to NY ). A new investigation started but, once again, we received a letter from Citi exactly like the original one, rejecting our dispute. I also noticed that the provisional credit made by Citi on the second time was short on XXXX transactions, which may have been to an operational error, but seems another indicator that Citi is not handling this fraud with the care and attention that they should. 

I contacted Citi for the XXXX time today ( XX/XX/2024 ), and requested for the case to be reopened/ escalated. I am concerned though that the outcome will be the same, as it seems that all my explanation to the agent on the phone is not really getting to the team who handling the dispute and doing the research, or is simply being ignored by them. Basically, we can't have withdrawn this money using our Banking Card in XXXX XXXX and Florida if we were in XXXX during that period of time ( and we can prove it ). With respect to the comment that our banking card and PIN were used, the more likely explanation is that our card was cloned.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Statebridge Company (MA)

In XXXX an account for {$44000.00} was opened in my name. I did not open this account. The phone number provided by the credit bureau doesn't work. Its a bad number, so I can't get information about this account. Looks like the account was opened during the pandemic. 

I sent a follow up letter in XX/XX/XXXX to XXXX XXXX and on XX/XX/XXXX, I received a return notice from the XXXX XXXX XXXX indicating unable to forward. XXXX XXXX doesn't exist.
Consumer complaint received 2024-05-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

Fifth Third Bank financed an XXXX  that I bought in XXXX. I paid off the loan in XX/XX/XXXX and they sent me a lien release. However I can not get the title because it is an electronic title supposedly filed with some electronic title company and Fifth third keeps saying they don't have the title so they can not send it to me. I live in NC and they keep telling me that I can not get the clear title because fifth third has not released it to them from the electronic title company. I've been told over and over again that there is no longer a paper title for this vehicle, only an electronic one, and the only one who can release the electronic title is Fifth Third. I have been trying to get this resolved for over a year and a half, I have called fifth third numerous times and been to the NC DMV several times and everyone says they can not help me.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have disputed XXXX late payments with Capital One as shown in my attached dispute letter. These payments were all initiated before the due dates in 2022 but posted late due to USPS delays. 
Capital One has failed to correct the errors after my dispute. The incorrect late payments should be removed from my credit report
Consumer complaint received 2024-05-25
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Avant Holding Company, Inc. (FL)

I had an agreement with avant to make a payment of {$40.00} by the due date and to make a payment of the full balance In order for the account to remain open. However, Once the payment for the full balance was received by Avant on XX/XX/year> for {$760.00}, rather than abide by the agreement, avant closed the account on XX/XX/year>, which was the opposite of what was agreed on and after Avant assured me that the account would remain open and that I would be able to use the card once the available balance updated within 10 days after the payment was received. I have contacted Avant multiple times concerning this issue, and Avant has stated that the concern has been escalated, however, the issue remains unresolved.
Consumer complaint received 2024-05-25
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: TRUIST FINANCIAL CORPORATION (FL)

i initiated several disputes about XXXX purchases that were never delivered, totaling XXXX. This all took place in XXXX the bank is Truist using a XXXX debit card for my banking account. They claim i did not report the dispute in the right time frame, which i had no idea that the items were never delivered until i reviewed my records and figured it out. I am wondering what XXXX guidelines say about this situation, as it is a XXXX debit card.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PENTAGON FEDERAL CREDIT UNION (CA)

[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Dispute of Inaccurate Credit Reporting by [ Creditor Name ] ( Account Number : XXXX ) Dear Sir/Madam, I am writing to file a formal complaint regarding the inaccurate reporting of a charge-off account on my credit reports by Pentagon Federal Credit Union. The details of the account in question are as follows : - Account Number : XXXX - Account Type : Installment ( Auto Loan ) - Original Creditor : [ Creditor Name ] - Balance : {$16000.00} - Date Opened : XX/XX/2021 - Payment Status : Collection/Chargeoff The issues with this account are as follows : XXXX. **Continuous Reporting of Charge-off : ** The account has been reported as a charge-off every month for the past XXXX years. According to IRS guidelines, an unpaid charge-off is considered income and should not be repeatedly reported in this manner. This continuous reporting is misleading and does not accurately reflect the true status of the debt.

2. **Sale of Debt : ** The debt associated with this account has been sold to another company. The original creditor should have updated the account status to indicate this change. Reporting the debt as an active charge-off after it has been sold is inaccurate and misleading.

3. **Issuance of Form 1099-C : ** I have requested a Form 1099-C from the original creditor, which should have been issued to indicate the cancellation of the debt. The absence of this form suggests that the debt should no longer be reported as active.

The Fair Credit Reporting Act ( FCRA ) requires that all information reported on my credit report must be accurate. Continuously reporting this debt as a charge-off while it has been sold to another company and should be recognized as canceled debt is a violation of the FCRA.

I have previously disputed this matter with the credit bureaus ( XXXX, XXXX, and XXXX ) and the original creditor, but the issue remains unresolved. Therefore, I am seeking the assistance of the CFPB to investigate this matter and ensure that my credit reports are corrected to reflect accurate information.

Please find attached copies of relevant documentation, including my communications with the original creditor and the credit bureaus.

I request that the CFPB intervenes to have this inaccurate charge-off removed from my credit reports promptly.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-29
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: TD BANK US HOLDING COMPANY (FL)

TARGET/TD - Account # XXXX 2 late payments reporting for the months of XXXX and XXXX XXXX XXXX account # XXXX 2 late payments showing but information is innacurate shows only one late payment for month of XXXX through XXXX and XXXX but not XXXX Then month of XXXX shows late only on XXXX but not XXXX XXXX XXXX How come the information is not the same across all bureaus reporting this matter? 

Ive mailed out a letter stating this information is incorrect, and they have not removed this negative item hindering my credit report.
Consumer complaint received 2023-08-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (DE)

On dates- : XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX I requested an itemization of the current amount of the debt with specification of where each student loan amount was applied to and its corresponding Semester/School Year. 

My request was initially forwarded to the legal offices of XXXXXXXX XXXX XXXX  XXXX XXXX who to date have failed to provide me with the requested information thus my rights under the XXXX Consumer Finance Protection Bureau Debt Collection Rule was disregarded making XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX 

Though, it is true that in good faith on XX/XX/XXXX, I agreed to payment of all student loan monies owed to XXXX XXXX XXXX XXXX XXXX XXXX additional information from the Student Loan Financer, Navient, called into question the Accounting practices of XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

Navient provided me with an Itemization of the current amount of the debt ( including interest, fees, payments, credit ) and the specifications of each semester in which the loans were applied. Navient paid monies to XXXX XXXX XXXX  XXXX XXXX via Student loans I obtained during corresponding semesters.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SIMMONS FIRST NATIONAL CORPORATION (AR)

I was scammed using XXXX, provided by the bank, for {$300.00}. 
I immediately stopped communication with scammer, contacted the bank with dispute and file an immediate police report, who determined THEFT BY DECEPTION. 
The bank Assistant XXXX would not help me in getting my money back AND followed up by SEVERING RELATIONSHIP WITH ME. 
I was treated as though I was the criminal. 
He did this all while knowing that my SOCIAL SECURITY XXXX DIRECT DEPOSIT would be affected. 

Total jerk!
Consumer complaint received 2024-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Subject : Urgent : Unjustified Account Freeze and Unauthorized Withdrawal by Capital One Bank - Seeking Your Assistance Dear Sir, I hope this letter finds you well. I am reaching out to you with a heavy heart and a deep sense of frustration regarding an ordeal I've been facing with Capital One Bank, and I'm sincerely hoping for your intervention to bring about a fair resolution. 

In XX/XX/year>, I embarked on what I hoped would be a fruitful banking relationship with Capital One Bank. I diligently deposited funds into my account and awaited the arrival of my card. However, much to my dismay, my optimism quickly turned to disappointment when, upon attempting to use my card, I found that my access had been abruptly blocked. The reason? I was asked to visit the branch for verification, a task that I found myself unable to complete at that particular time due to unavoidable circumstances. 

Despite my inability to physically visit the bank, I continued to receive monthly statements from Capital One, reassuring me that my hard-earned money was safe and sound within my account. This sense of security was shattered when, in XX/XX/year>, I received a statement indicating that funds had been withdrawn from my account on XX/XX/year>, without my knowledge or consent. 

Understandably alarmed, I immediately reached out to Capital One Bank in search of answers and a resolution. Regrettably, what I encountered was a frustrating barrage of excuses and evasions from their representatives. Despite my persistent efforts to understand why this unauthorized withdrawal occurred and to reclaim my funds, I was met with nothing but dead ends. 

The toll this ordeal has taken on me is not just financial but emotional as well. The sense of betrayal and helplessness is overwhelming. As a responsible citizen who places their trust in financial institutions to safeguard their assets, I find Capital One 's actions inexcusable and unacceptable. 

With all this in mind, I humbly implore your office to investigate this matter thoroughly and ensure that justice is served. I ask for your guidance and support in holding Capital One Bank accountable for their actions and in securing the compensation that I rightfully deserve. 

Thank you for taking the time to read my letter and for considering my plea for assistance. Your intervention in this matter would mean the world to me. 

Warm regards, XXXX XXXX Phone : XXXX
Consumer complaint received 2023-05-20
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: EQUIFAX, INC. (MS)

I am submitting my complain and asking for your help to investigate this matter. The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. The following accounts needs to be corrected : 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 2024-05-27
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: ENCORE CAPITAL GROUP INC. (WI)

There was a collections placed on my XXXX credit report on XX/XX/XXXX. I contacted both XXXX and the collections company and disputed the charge. I sent both parties a copy of my back statement the shows the account had been paid in full in XX/XX/XXXX. I received an email stated the dispute was completed and would remain on my report. I have filed 9 separate disputed regarding this issue and have called the dispute department at XXXX of 8 separate occasions attempting to find out why this is still on my report after I submitted proof of payment. Nobody can give me an answer and it remains negatively on the report.
Consumer complaint received 2024-05-26
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

My amex gift card keeps giving me a " system error '' message when I put the number in. I have no idea what the balance is. This is a {$200.00} gift card given to me at work and I can't use it at all. I have called a couple of times with long wait times and was only told that on XXXX date the system will correct. It has been several months and it hasn't.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/year>, I tried to dispute an error on my Transunion credit report, but the website does not work or allow me to submit a dispute ( see screenshot attached ). Furthermore, Transunion website does not even let me access my credit report ( see another screenshot attached ). However, from XXXX XXXX I can see that there is a XXXX XXXX account reported on my credit report with erroneous balance ( see third screenshot attached ). Entire account consists of fraudulent balance and should be removed from my credit report ( see police report attached ).
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have a credit card with Capital One. Initially, there no issues. In the last 6 months it has been a nightmare - much like XXXX XXXX. They refuse to allow me access to my online account. They also have refused to send me paper statements or send me any alerts whatsoever on my account. Since I have to make a " blind '' payment ( almost every month ) to avoid my credit being ruined, I have no idea if there are any late fees, etc. associated with the past due minimum. I don't know what I am paying. 

I am never allowed to see the online account -- they state it takes days to process the past due payment before the online account opens back up for me. Also, they refuse to send me any text or email alerts. I NEVER hear from Capital One. When I call them to resolve, it's the same game each and every time for about an hour on the phone. They're combative refusing to answer any basic questions. If I could afford to pay the card off and close it I would. I can't and Capital One knows it. This conduct seems systemic amongst these creditors.
Consumer complaint received 2024-05-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (SC)

XX/XX/year> I covered all the charges on my account and they still charged overdraft fees and then they are going to start charging XXXX a day until this is cleared. I signed up for this account at a promotional event and they rep at that time failed to inform me of all the excessive fees that they apply to accounts.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (IL)

I am a victim of identity theft, I have provided these companies, proof that I am a victim of identity theft. I have filed police reports, and has listed these creditors as fraud. It has been challenging having these inaccurate items removed off my credit report.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Velocity Portfolio Group (NJ)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.