davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have an existing complaint submitted about Capital One closing my checking account and retaining {$1700.00} of my money since last year. 

At the same time, Capital One blocked my ability to view my XXXX XXXX XXXX account last XXXX digits XXXX since XX/XX/2023 from being able to view monthly statement and has never sent me monthly statements. I do not know what is being charged, what my balance is unless I call the XXXX # which only provides last XXXX transcations and balance. 

A refund was suppose to be issued to my credit card last year for {$620.00} from XXXX, I have no idea if I received the refund because I do not have access to any statements. I asked repeated to have online access to view my accounts, Customer Support told me that it would be restored to no avail.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERIS BANCORP (FL)

An estate check for a property that sold was put into the personal account, the check clearly reads in the estate of. The money was taken by a relative who is on that account not the estate account, he took the money knowing it was in the wrong account place there by the bank teller when it was to be placed in the Estate account as the check reads. The bank should be responsible for putting the fund in the proper account since it was clearly deposited in the wrong account. I've attached a copy of the check and the deposit slip. The bank is located in XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Ameris bank and the phone # is XXXX
Consumer complaint received 2024-09-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Knight Adjustment Bureau (UT)

I had a one-year contract with XXXX XXXX XXXX XXXXXXXX, which expired in the first half of 2024. After the contract ended, I visited a licensed shop in Utah to have the device removed from my car. I documented the removal process with video footage, showing the device was in good working condition, and also took photos of the device being returned to an XXXX XXXX XXXX XXXXXXXX employee. The employee signed a receipt confirming the return. 

Despite thisXXXX XXXX XXXX XXXX XXXX is now claiming that the device was not functional and is falsely accusing me of owing them {$4500.00}. They have not provided any evidence or justification for this claim. I believe this is a scam, and I am seeking resolution.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been calling TransUnion on listed number on their website but I get the computer system talking then it hangs up after I enter my information and social security number, I have been trying to lift the freeze on my credit since XXXX but unable to do online because it tells me that it can not retrieve the information at the moment then I cant reach a live agent to speak with even the chat system they have disconnect, it has been very frustrating and upsetting that I am stuck with the freeze I put on my credit since XXXX of this year due to a scam, I hope you can assist me in resolving this matter, thank you.
Consumer complaint received 2024-08-19
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRUIST FINANCIAL CORPORATION (MD)

Recently I submitted a business loan application with Truist, for marketing. The bank manger XXXX XXXX assisted with submitting the application and we were told that it took about XXXX XXXX hours to find out the decision. After waiting XXXX days i contacted XXXX XXXX to confirm what the decision was, i was informed that i was denied due to a low XXXX XXXX and delinquent payments which i couldn't understand because i constantly check my score, i also pay for premium version of XXXX an XXXX. She then explained that i would receive a letter in the mail and that i need to check with XXXX if i had any concerns. But as explained to XXXX XXXX i know all three of my scores and i know they all range from XXXX to XXXX. I then received the letter from the bank stating the pulled my credit and it was XXXX which i knew was impossible because i had just pull all three of my credit scores and i pay for the premium services. Which i then i called XXXX and ask to speak to a supervisor because my score online said XXXX. I need up speaking to the supervisor XXXX ( confirmation # XXXX ) explained too me that he could see my score and it said XXXX which is a XXXX difference from what Truist is stating they pulled directly from XXXX, the supervisor also stated that he wasn't sure why there would be that much of a difference in the score that they pulled verses what was shown, but that i needed to reach back out to the bank which i did. Once the bank supervisor verified everything she also stated that she couldn't understand why they were reported a XXXX difference in XXXX XXXX but to reach out to the CFPB because there was no way for her to submit for an issue with the application
Consumer complaint received 2024-08-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MI)

I called Chase on XX/XX/XXXX to have them close my business checking account and move the money to my personal checking account ( {$2100.00} ). The support representative ( and yes I'm certain it was actually Chase ) tried to fulfill the request, but kept putting me on hold. After XXXX minutes of this, it was clear something was wrong. I checked my Chase account on my phone and saw that the money had been transferred out, into another Chase account. Say for example my account number for my business account ended in XXXX. The one the money was sent to was XXXX. Again though, the money was supposed to be LEAVING my business account. It could be a coincidence, but it really seems like the support person confused the account they were supposed to be sending it to based on the last XXXX digits of the account number, which is weirdly, the only thing they're able to see about the account. I spoke to their supervisor, who was also not able to fix it, and had to escalate it up. 


Later that day, I missed a call from Chase while briefly putting down my phone. I called them back, and they basically say they still don't have it fixed yet and need more time. So I went to our local Chase bank the next day to see what they can do to fix this. They make calls on their end to see, and confirmed the issue. They said they didn't have the ability to fix it, but tried to press upon Chase support that this needs to be urgently resolved. 


XXXX more hours pass and I have heard nothing. That day ( now the XXXX ), I go to XXXX with my husband and insist upon them : they've taken ALL of the money out of this account. We need this money to pay bills/avoid late fees and purchase services/goods we use to make money ( this was a business account! ). There will be measurable financial damages if it isn't resolved immediately. I don't care where they accidentally sent our money to, they need to put the amount into my account and resolve their issue on their own time. The bank manager agreed and said he would do everything in his power to get it resolved that day. XXXX hour later, our local Chase gave us a call saying that they'd put a Credit for the missing amount on my account, and we confirmed that they did. All seemed well. 


Flash forward to today ( XX/XX/XXXX ), another week later, and they've now placed a Debit for that amount on my account ( we noticed this today but they did it on the XXXX ), stating that the Credit was erroneous. The money is gone. I don't have anymore time to devote to this. We've spent hours fighting with Chase for our money and we are not financially comfortable enough to not worry about it, and furthermore not confident that Chase will ever resolve this.
Consumer complaint received 2024-06-10
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)

Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate thse item were in dispute within 30 days now this account in violation XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$2300.00} XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$660.00} Original Creditor : XXXX XXXX  I XXXX Balance Owed : {$300000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which wasa involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. This account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX.
Consumer complaint received 2024-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

i checked my credit recently and This collection account list the following company as the creditor ( PORTFOLIO RECOVERY. ). This company is NOT the creditor, I never contracted with them, and I sent certified letters to them to immediately correct my report and remove this fraudulent account. they are abusing my rights and i never received a letter from them as i just found out looking at my credit online. this is stressing me out to see that companies easily can report false info without any need of verification! I sent Notice & Demand for validation of debt, Dispute letters, see attached. 

This account is to be removed immediately! it is affecting hardly my credit worthiness i work so hard for. 

PORTFOLIO RECOVERY- Last reported XXXX 2024- Reported balance {$3400.00} Thank you for your help getting me proper remedy.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DigniFi (NV)

I paid my full account XX/XX/year> they sent me a letter of XXXX balance XXXX XXXX. Now they wont send me nothing. They never answer the phone as well
Consumer complaint received 2024-07-19
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)

This is in regards to report # XXXX attached. I requested a reinvestigation of the bankruptcy record currently showing up on my credit report. About 28 days after submitting the dispute, Experian came back and confirmed that " The company that reported the information has certified to Experian that the information is accurate. '' In the letter sent to me, Experian is asking me to contact the company who provided them the information which in this case is XXXX so they can assist further. 

Please note that this bankruptcy is no longer being reported on my XXXX report since 2020. 

This letter that I received from Experian clearly shows that : 1- An investigation wasn't actually done. 
2- Experian actually never reached out the the provider of Data I submitted proof that this item is no longer on my XXXX XXXX report, which Experian ignored.

This credit agency needs to be held accountable for not providing accurate information. The Fair Credit Reporting Act ( FCRA ) is the law that mandates credit reporting agencies to ensure the accuracy of the information they report. According to the Experian failed to the FCRA, Experian is to : 1- Follow reasonable procedures to assure maximum possible accuracy of the information they report.

2- Correct/delete inaccurate, incomplete, and unverifiable information.

3- Conduct a reasonable investigation if a consumer disputes the accuracy of information in their credit report. 

I contacted XXXX and was told that they've requested Experian to update my records however, Experian has ignored their request. I have a letter from XXXX confirming they have reached out to the credit agency.
Consumer complaint received 2023-09-13
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. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I am writing to file a complaint regarding a violation of the Privacy Act by your organization. I recently obtained a copy of my credit report from your bureau and discovered that my personal information had been shared without my consent, which is a direct violation of my rights under the Privacy Act. 

Specifically, I found the following instances where my privacy had been compromised : XXXX. The amount of unauthorized Hard inquiries are in direct violation. Dates arranges from XX/XX/year> until present. Names that are not my actual name is on the report and as well as addresses that are unmailable that I'm not associated with. I have reached out to each of the credit agencies about this matter and I've been ignored on multiple occasions I would like to emphasize that the Privacy Act is in place to protect individuals ' personal information and ensure its confidentiality. As a consumer, I have the right to expect that my personal data is handled with utmost care and only shared with authorized entities under appropriate circumstances. 

The unauthorized sharing of my personal information has raised significant concerns regarding the security and integrity of my credit report. It is imperative that your bureau takes immediate action to rectify this situation and prevent any further unauthorized disclosures.
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TRUIST FINANCIAL CORPORATION (NJ)

In XXXX I opened a safety deposit box with BB & T bank ( now Truist ) in XXXX XXXX The same year I returned the keys to the employee and expressed my desire to close the safety deposit box. The employee said they would take care of the issue. The box was never closed and when I asked the bank to close it I was told I needed to return the keys. I explained that I had already given them to the bank employee. Unbeknownst to me the employee had left BB & T bank by that time. Over the years I brought the issue up to multiple managers and employees and kept letting the run around. I was charged {$58.00} every year for said box. Im XXXX ( right before XXXX ) I again spoke with a XXXX at this branch. The XXXX agreed to drill the box and if it is empty we can refund your money. When I tried to schedule a time to do this I was told because of XXXX it could not be done. At some point BB & T became Truist but nothing changed. I was still being charged and still getting the run around. Finally in XXXX they agreed to stop charging me and refunded me {$58.00} dollars for that year but did not refund for the previous years. This amounted to approximately {$580.00}. When I again inquired I was told they had to send away for records. Nothing was done. Today I spent XXXX hours on the phone with Truist costumer service. They also spoke with the XXXX at the XXXX XXXX XXXX about the issue ( they had recently closed the XXXX branch ). The XXXX refused to refund the money that was taken from my account. I was told they would not do anything to remedy the situation.
Consumer complaint received 2019-06-26
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: Experian Information Solutions Inc. (RI)

Hi, on XX/XX/2019 i sent a letter to Experian asked them to send me copies of any contract or documents they have on their files with my signature on it as my right per the FCRA. I do not recognize any of those accounts, contrary to my request they open a dispute process. I asked them to delete any unverified items on my file and they have refused. The letter was received via certified return service receipt on XX/XX/2019. They responded to me saying that all of those accounts are verified as accurate. I sent another letter to them on XX/XX/2019 telling them for the second time to them to please send me proof of the investigation they did where they proof those items belong to me as my right per the FCRA section 611. That is the second letter i sent them begging them to send the information that they used to " verify '' those items on my credit file. Also they told me to contact the original creditors which i also did on XX/XX/2019 and none have responded to my letters asking them for any document where i signed any piece of paper or contract with any of those companies. please tell them to send me the proof that they investigated those items and HOW they investigated or delete those unverified items from my credit file which are hurting my ability to obtain credit or delete those unverified items.Attached are copies of the first and second letter i have sent them
Consumer complaint received 2019-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have loans and credit cards listed on my credit report that I have no knowledge of. Someone has been using my credit before I even got the chance to. I never gave anyone access to any of my personal information. Below are accounts XXXX XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$600.00} XXXX XXXX XXXX XX/XX/XXXX {$19000.00}
Consumer complaint received 2019-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One ; Reservation # XXXX ; access code XXXX ; Applied XX/XX/XXXX ; We received an unsolicited offer from Capital One. We use Capital One 360 since XX/XX/XXXX, and had a credit rating of XXXX at the time of the call. 

After multiple questions from the agent in XXXX, we were denied the offer. We complained at once. When we asked if this was a scam, the call was disconnected. A call to Capital One 360 got a response of " different subsidiary and not them. '' We are concerned about fraud and unscrupulous practice by Capital One. 

OnXX/XX/XXXX, our rating wa reduced to XXXX. The agency issuing it says it was reduced by 4 points. Since it was XXXX, the deception continues.
Consumer complaint received 2024-05-21
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. (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos XXXX XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :