davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MD)

Investigating my credit report i found that my report was being blocked... i initially thought that maybe i did it by accident so i contacted equifax and asked it to be removed ... after further investigation i have found that it was updated from fraud alert to being blocked for promotional purposes... now understanding that equifax has deciding to illegally place a freeze on my credit report with the intent to prevent proper use and growth of my credit... this has prevented me from refinancing my home and numerous credit accounts
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

I deposited a check into my business account that was in my name and I am the only signer on the account. They gave me a date of a nine day hold that passed by then they added another 7 days that passed by then they added another six day hold and now they are threatening to add another hold and bring it to XXXX days just because Im a new account holder at citizens bank. It has affected my business greatly and my investors and partners vendors are all having to wait to collect whats due to them.
Consumer complaint received 2023-11-16
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-11-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO Bank, N.A. (CA)

I alerted the Bank of fraudulent activity on my accounts in XX/XX/2023. I closed 3 accounts ( with your help ) but the last remaining account is still being held by the bank, and I am locked out of the account. There has been no activity on the account since XX/XX/2023, except for one XXXX deposit made by a customer of mine. 
My question to you is : How long is the bank allowed to hold my account in stasis? Is there a time limit, or can they keep my funds indefinitely? 
The bank has been less than cooperative in the past, that is why I am trying to determine if I have any rights at this point. 
Thank you for your assistance.
Consumer complaint received 2023-11-16
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (TX)

Well, I got contacted by XXXX ( XXXX ) and they informed that I got some issues with my Amex card and they wanted to resolve it. So I trusted them and given my computer access to them. Then later they told me to call Amex and convey the message that XXXX ( XXXX ) has resolved the issues from their end and now its Amex turn to fix it further. Then I grab my Amex credit card and dial the number which is on the back of my card and the representative told me to buy XXXX XXXX XXXX XXXX worth {$3500.00}. I followed everything what Amex told me & later I realized that I have been getting scammed. So my only concern is how did I reach a scammer when I dialed the Amex number on the back of my card when XXXX ( XXXX ) had the remove access of my computer. I doubt that they might had the access to my cell phone as well. 

Then later in the day I went to XXXX and they did not help me with the refund and I called Amex & they said that they never ask for any Gift Cards. I want to dispute the amount from Amex but they are not helping me. 

This is why I am writing this to you because I am retired and on a very little social security. Please help me.
Consumer complaint received 2023-11-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (VA)

I received an email from XXXX XXXXXXXX XXXX of XXXX through XXXX regarding an upcoming reservation. I don't trust emails so I went to the XXXX app to see if there was a message from the hotel and there was. The message was right under earlier correspondence I had with the hotel so I was not suspicious at all. There was a link that I clicked on to update my card and it went to a sit that looked just like XXXX and had the logo and everything. I entered my card info and it pinwheeled and then an SMS message was texted to me. I entered the number and then the XXXX site pinwheeled again and was taking a long time and asked for the SMS number again so another text was sent to me and I entered that number and at that point as it continued to pinwheel I was afraid it was taking the reservation money out twice so I logged into my bank and that is when I noticed the debit from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX had XXXX withdrawals for {$1000.00} each. I immediately exited the XXXX app and called Wells Fargo to report this and spoke to a lady named XXXX who took my report and provided us with provisional debits to cover the amount. I then called XXXX and reported the incident to XXXX. On Friday I received a letter from Wells Fargo saying that they are removing the provisional debits because they found that I approved the transactions. I did not approve any transaction to a foreign entity. I was approving a transaction to XXXX XXXXXXXX XXXX of XXXX for the amount of {$650.00}. I do not make purchases to unknown foreign companies so I am very upset that Wells Fargo did not consider this fraud and flag the transaction before letting it go through. I am also not satisfied with their investigation and findings and have filed a complaint with them as well.
Consumer complaint received 2023-11-16
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: OPORTUN FINANCIAL CORPORATION (IN)

When pulling credit report and realized these damages on report. According to the 15 USC 1681 law there should not be any damages on my credit report especially unverified! 
It is a defamation to my character! I recently disputed this account with the credit reporting bureaus and reporting company, and the information was reported as verified and accurate. I'm sure we understand that most disputes are often conducted using software, such as XXXX, and that the software can have limitations when it comes to completing a proper investigation of records. I am requesting AGAIN that all parties conduct an investigation as outlined in the FCRA Section 623 enforceable by FACTA 312 which affords me the right to request that the information furnisher conduct a reasonable investigation of the information being reported to the credit bureaus. Which I have sent a letter out to them and credit bureaus! 
If unable to perform a reasonable investigation, or they are unable to locate the necessary documents to investigate my dispute ; then by required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. Furthermore, per FCRA Mandates, it is required that this misinformation be forevermore blocked from re-reporting attempts, now or in the future by company and/or any entity. I let them know if they were able to conduct a proper investigation of the records for this account, and have identified the information reporting as being fully accurate and complete then please send me an explanation of the methods used, and a description of the records reviewed, when they conducted their investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of records and verify that a reasonable investigation was completed.This complaint is an attempt to correct the false or misleading information being reported on my credit reports and to correct all records.
Consumer complaint received 2023-11-16
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MI)

I received XXXX American Express gift cards in XXXX of 2023, XXXX with a balance of {$10.00} and the other with a balance of {$50.00} and I can not use either XXXX online or in store. I have tried multiple merchants and websites, different amounts, and its declined every time. I tried calling the customer service number on the back of the card, but it does not offer the option to speak to a person, and the automated options are to either check your balance or report your card lost or stolen. The cards are activated ( I was able to verify that online ), but that's as far as I can get.
Consumer complaint received 2023-11-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION (PA)

I received a collection notice from my township in the mail on XX/XX/16, stating that our property taxes had not been paid and that additional late fees had been added. After contacting the property tax/escrow department at my bank and mortgage lender ( M & T Bank ) they informed me somehow in their department they entered an E instead of a D for the parcel number ( despite being provided the correct documentation and number from my end ). They used MY escrow to pay for an adjacent Unit 's property taxes. A person in the department submitted a tax delinquency form which will take up to 14 days to review. It is not until after that, they said, that I can then try and submit claims/paperwork to get the penalty fees paid for or submit a complaint. 

This has now taken me over 24 hours to figure out, something the bank was not even aware of until I called. And now will resort to weeks of stress and additional phone calls/emails that I have to deal with all because the bank messed up.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

XXXX XXXX, XXXX, and equifax is reporting account transactions and my identifying information from XXXX  XXXX and XXXX XXXX XXXX XXXX without proper consent. I never gave any written consent to any of the companies for share, transfer, or sell my identifying information. 

All the companies actions have caused a breach and now my identifying information has been exposed. These actions constitute identity theft and criminal activity. 

I am taking the necessary actions to require that the companies cease furnishing and reporting my information.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (FL)

Hyundai Motor Finance is reporting an account ending in XXXX as a Charge Off. This account was opened as a Charge OfXXXX on XX/XX/2016. The Fair Credit Reporting Act requires companies to remove these type of derogatory items from credit reports after seven years. It is past seven years of reporting.
Consumer complaint received 2024-05-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (GA)

I received another collections notice on my credit report for the same account for {$290.00} under the same Client Name " XXXX XXXX '' though it was sold from company XXXX to a company called I.C. System, INC. I have already made XXXX, XXXX, and Credit Bureaus aware of this situation and the collection was previously removed. I even previously disputed with CFPB for this same account but again the account was sold to another company. This is related to CFPB complaint # : XXXX. This is not my account, I never allow anyone to use my personal information for this account. I was completely unaware the account/situation until it showed on my credit report for collections. Please remove the collections from my report.
Consumer complaint received 2023-11-16
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: Thaxton Investment Corporation (TX)

This complaint is my final communication regarding your claim that the account below is being reported accurately. In your response to complaint XXXX XXXXXXXX, you stated that the inaccurate information such as the Date last active and other information was updated when in fact it is still reporting incorrectly. Being that I have already tried to get this information fixed months ago, I am moving forward with filing a statement of claim to sue for defamation of character and violation of the FCRA. I will be seeking actual damages of {$30000.00} for mental anguish. Your incorrect credit reporting has caused me mental distress, denial of credit, and judgement of character. I am attaching a most recent copy of my credit report to show the inaccurate information. I have proof of communication and proof that the account was paid off so why was it sold to XXXX. Lastly the balance that was reported to me is not the same balance I was informed of by the alleged collection agency. The balance they reported was {$620.00}. I will be taking legal action against both companies. The following account is to be removed from my credit report within 14 days due to false and misleading information : XXXX XXXX
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MN)

I pay was paying on time payments when PayPal said I was unable to use them ever again for no reason given and closed it down I can't even log in on their site to see anything so I have no idea what they are doing to me but I have no way of getting into said account that I don't owe this much
Consumer complaint received 2023-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

credit reporting agency reported two late payment accounts with XXXX  and XXXX  on their system. A dispute was submitted by phone and through the online site on XXXX XXXX  with validation from the companies of the error.
Consumer complaint received 2017-05-02
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. (CA)

I recently discovered that   XXXX   XXXX   reported my account as a Charge off on my credit report when I was denied a loan by   XXXX   XXXX   due to the Charge off. I immediately contacted   XXXX   XXXX   by phone in an attempt to rectify the error. I was informed by the customer service representative that my last payment was received on   XXXX   XXXX   XXXX     and that my account was reported as a  Charge  off on   XXXX   XXXX   XXXX    . We both agreed that it did not make sense that my account would be reported as a Charge off 2 days AFTER my payment was received. At the time   XXXX   XXXX   XXXX  reported my account as a Charge off, it was paid in full with a  XXXX   XXXX . I have spent HOURS on the phone with numerous customer service representatives. The phone calls have been extremely frustrating and have not produced a positive outcome. Every representative has told me the same thing " due to the age of this account, they do not have account records and can not provide me with the information that I am requesting '', yet they refuse to remove the inaccurate information from my credit report. I was told that a Supervisors would call me back on  XXXX  separate occasions. To this day, I have not received a call back from a supervisor. I have sent numerous certified letters disputing the  Charge  off that is currently being reported on my credit report and negatively effecting my credit. I have asked for validation of my account including details explaining my why my account is being reported as a charge off with a   XXXX   balance. I have asked for them to send me a copy of my payment history along with account notes. The letters that I received in response to my letters have been a one paragraph response stating that " they only report accurate information to the credit bureaus ''.
Consumer complaint received 2023-04-20
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: Experian Information Solutions Inc. (NC)

I have been attempting to correct my credit report so that I can purchase a home. I have been struggling with this debt collector and credit reporting agency reporting inaccuracies on my file. I have sent certified letters disputing an account with XXXX XXXX. I have never had an account with this company and I have spoken with them over 3 times to confirm this. This debt collector is instructing me to dispute through the credit agencies so that they can remove the debt on their end when the credit bureau reaches out for validation. This account is not a valid and I have never entered into a contract with them nor did I authorize them to pull my credit. Per the FCRA it is already a violation for this debt to be on my file when there was never a contract or agreement with XXXX XXXX. Shortly after my dispute EXPERIAN and XXXX failed to do a proper investigation. Instead of removing the account like I requested and like XXXX XXXX owner or XXXX stated they would delete this because it should not be on my credit file. This account needs to be removed from my credit file. It has caused my score to drop XXXX points affecting my chances of approval for credit I desperately need and deserve as I have worked hard to maintain good payment history. XXXX is not properly investigating this dispute because If they had the account would be removed due to the fact that there was never a contract or agreement for this account and it does not actually exist.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Collection Bureau of the Hudson Valley, Inc. (NJ)

XXXX keeps reselling my debt to third party agencies. I disputed this collections account and it fell off my credit report months ago, but has now reappeared again. They sold it to COLLECTION BUREAU OF THE.
Consumer complaint received 2023-11-16
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: BARCLAYS BANK DELAWARE (TX)

Back in XXXX of 2022 someone stole my credit card and charged multiple items to my card. My ipad and a few other items were stolen as well. I happened to be moving and had people in and out of my house. I opened up a police report and reported the fraud to the police as well as Barclay card. Multiple times barclay card denied my fraud claim stating the card was in my possession, which it was not and another time stating I confirmed a fraud alert they sent which I advised them my XXXX was also stolen and whoever confirmed the message from my XXXX I could not control as it was stolen. When I knew of the fraud I contacted Barclays immediately and did everything on my part. I have been back and forth with them for a year now and every statement and police report I send them the investigator does not read in it entirety. Now I have collections coming after me and my credit has gone down over XXXX points because Barclay fraud investigation has not read my police report or contacted me to discuss the issues despite me contacting their fraud investigations team numerous time. I have notes from their XXXX representatives dating back to 2022 when I would call in almost weekly for an update. At this point I need this fraud removed from my credit card and the collections stopped. I need this fraud claim processed correctly so my credit score will get back to where it was also. Please advise if I need to send over police reports, statements and all of my notes as I have no problems doing so. I can be contacted at XXXX
Consumer complaint received 2023-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

XXXX XXXX XXXX personal debit card from Capital One was stolen, and i was defrauded for {$320.00} from an unknown ATM two purchases for {$17.00} were made, unauthorized as my card was stolen previously in the day a mobile deposit was placed into my account, for the amount of {$950.00} COMPLETELY unauthorized, presumably with the intent to defraud me even more. 

after speaking with the capital one customer protection resolution team, they told me that the account will be closed, and my relationship with capital one has ended. now here is the most vile part. 

At the time of writing this complaint, there is {$740.00} in said account. as well as a pending {$320.00} for the claim that the thieves stole from my account. capital one refuses to release my funds to me, either electronically, or physically. i live in XXXX XXXX nevada. there is no capital one branch within 500 miles. employee ID XXXX from capital one said and i quote i have nothing else to tell you. you cant access your money now. you will have to wait the 90 days to get your money back. i believe this is especially heinous and unjust, seeing as i was a customer of capital one, seeing as my situation of being defrauded and essentially robbed of my money, and capital one basically telling me to kick rocks.