davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-23
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY ()

XX/XX/XXXX and XXXX, 2023 I opened XXXX XXXX cds with TD Bank. 
At maturity I wanted to close them and have funds go to my bank account. There was no way to do this online. I received an email telling me there is a 10 day grace period and could go in person or call to make changes. 

I called during the grace period and was told I had to go in person to make any changes, I no longer live in a market served by TD Bank and am currently out of the country for the winter. They said I could get a notarized letter but the details on how to close in this manner were vague and no one knew exactly how to go about it ( just send a notarized letter ). 

I will not be able to get a notarized letter in time to prevent the renewal, they said they already renewed ( although I am still in the grace period so I don't know why that is the case ). I am still trying to get complete details on how to prevent another renewal by getting a notarized letter when I am back in the US. 

No where on the TD website does it say you must go to a branch to make changes or close your CD. It simply states you will have 10 days to do so. The email they send about maturity states the following ( copied directly and shown in attached documents ). 

Knowing I do not live near a TD Bank I never would have opened these CDs if I had to close them in person. 

You have two options : 1.

Explore different CD rates or terms. Visit your nearest TD Bank or call us at XXXX to choose the option thats right for you. We're here to help by phone Monday through Friday from XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX. 

Do nothing. Your CD will automatically renew into another CD with the same term length. However, the rate you receive may not take advantage of the best rates available and may be lower than your current CDs rate.
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC. (CA)

A timeshare company opened a credit card in my name without telling me, and they used it to make a down payment on my behalf. I never used this credit card ( for anything ) and started getting statements for payments. A third party debt collection agency called " Midland Credit Management '' started trying to collect on this debt. When I asked for proof of contract and proof of signature, they were unable to provide it, and unable to provide any recordings or records of the repeated phone calls regarding this matter. They have been calling and harassing me for the debt, and have threatened to sue and have ignored my requests to only contact me in writing.n This debt has also been negatively reported on my credit report despite my dispute and their inability to provide any proof of debt.
Consumer complaint received 2024-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (MD)

Hi, hope all is well. I opened a XXXX Bank account on XX/XX/XXXX. In XX/XX/XXXX, Huntington Bank purchased XXXX Bank and moved my account to Huntington Bank. I recently tried to access my funds, about {$8500.00}, and I was told by Huntington Bank that my account had a " Dormant Hold '' and that I would have to go XXXX miles to an in-person branch to access my funds. 

This money is being held XXXX by the fact that I can't make this XXXX mile trip to a bank I've never worked with, in a state that I've never been to.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-04-24
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)

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 2023-10-10
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: EQUIFAX, INC. (NC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$74.00} XXXX XXXX Balance : {$360.00} XXXX XXXX Balance : {$74.00} XXXX XXXX Balance : {$360.00} XXXX XXXX Balance : {$74.00} XXXX XXXX Balance : {$360.00}
Consumer complaint received 2024-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (IL)

I opened a Wells Fargo checking account on XX/XX/2023 under a {$320.00} promotion. I met the qualifications on XX/XX/XXXX. I received the recommendation to open from someone I know and their promotion posted several days after the 90 days. I have several friends that have opened under this promotion as well and it's always a few days after the 90 days. I called customer service the first week of XXXX and they told me the promotion was attached and it was in pending status. After it not posting, I have made multiple attempts at communication to resolve the problem with no success. I have tried social media, emails, phone calls, and noone seems to resolve the issue with a credit. 
Also, I opened the account online and for some reason the system accidentally opened XXXX accounts. After calling customer service, they said this wouldn't be a problem, they would just close the XXXX and it wouldn't affect the bonus. They told me they go by the 12 month mark from when a bonus was last received, not the closing date and assured me everything would be fine with the bonus. I would just like my account credited for the {$320.00}, thank you.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I not liable and should not be held liable in any form for this debt with I do not have a contract with They did not provide original contract as I have requested from them. 



Immediately correction ti my credit report. I personally DEMAND IT TO BE REMOVED
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (OK)

I called in XX/XX/XXXX to cancel my XXXX XXXX XXXX XXXX because i did not want to pay the {$99.00} annual fee. The person I talked to suggested an XXXX XXXX. I accepted the offer. Later, I found out the Executive had a {$590.00} fee AND she had not cancelled the Platinum Select. I never got a bill for the Executive and later found out I had a late charge. I paid the bill immediately.

When I called to close the Executive because I didn't want to pay the {$590.00} fee I had never been told about, the representative would not allow it, but wanted to downgrade both the cards. I told her I wasn't happy with that, so she put me on hold for XXXX minutes and then the line went dead.

It gets worse. After I paid the Executive bill, I realized I had
over paid by {$600.00} + dollars and Citi would not release my money because " the cards are cahnging over and it just can't happen now. '' XXXX I returned some shoes for {$120.00} on thea card on XX/XX/XXXX and it still hasnt shown up. So that's {$800.00} approximately of my money Citi is holding without interest.

From the beginning I was mislead and now cheated. Please help. 
By the way, I still had to pay the {$99.00} fee and spend about XXXX hours of my time.
Consumer complaint received 2024-01-22
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Paramount GR Holdings, LLC (NV)

I inquired about the status of a XXXX  XXXX XXXX made in XX/XX/XXXX. I have screenshots from my online bank account showing... 
XXXX. XXXX  XXXX XXXX details XXXX. XXXX  XXXX XXXX confirmation XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. GoodLeap PDF Payment Record ( attached ). 

I called GoodLeap customer service ( XX/XX/XXXX ). I made an additional online/eweb payment ( {$190.00} ) because my bank bill payment ( {$190.00} ) had not posted to my GoodLeap account yet and I did not want my GoodLeap account to go into past due status. I was informed that I needed to wait 7-10 business days before bank bill payments to post to my GoodLeap account. I asked that notes to added to my GoodLeap account noting that I was expecting an extra payment ( {$190.00} ) from my bank bill payment to be processed. 

I called GoodLeap customer service on XX/XX/XXXX because my bank bill payment ( {$190.00} ) still had not posted to my GoodLeap account. I was informed by GoodLeap Customer Service that the bank bill payment check had been received ( XX/XX/XXXX ) but it was not made out to GoodLeap. I was not informed who the check was made out to. I was informed bu GoodLeap Customer Service that the check was not credited to my GoodLeap account, and the check was returned. My bank still has not received the returned check and neither have I received a returned check from Good Leap to my mailing address.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently reviewed a copy of my credit report and noticed Inhad fraudulent accounts on my report. 
Please remove these accounts from my report, they are hurting my ability to obtain credit. I do not recognize these accounts and did not authorize them. They are reported by third party.
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (MD)

Someone made fraudulent purchases with my Discover card and after reporting it as such to the company, they are denying my claim and telling me that I am now responsible for paying it... It's a {$9000.00} charge made on XXXX XXXX XXXX XXXX XXXX  and I have no idea what this company even is so there's no way it was an accident or something on my part. Someone got access to my personal information and then made this purchase... It's not me and I'm not going to be paying it. I am reporting it to the proper channels and going through with a lawsuit if I don't have this money returned to my account.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (NY)

ON ( XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year> ) COMENITYCB/21 in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a 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 Plans go late for any purpose.
Consumer complaint received 2024-04-24
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: EQUIFAX, INC. (NE)

I would like to dispute the following items off my credit report : Equifax : XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX. 
Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-08-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-01-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

I am writing regarding the complaint I submitted on XX/XX/2024. Complaint ID is XXXX. I spoke with XXXXXXXX XXXXl this afternoon. They told me that they received {$490.00} from Chase bank on XXXX XXXXXXXX XXXX XXXX XXXX said that they have not yet received {$400.00} payment from Chase bank which was subtracted from my account.I gave the merchant ARN number XXXX provided by Chase bank.The merchant reached out to their visa representative and confirmed that no payment was received from Chase bank.Could you please do me a favor by asking Chase bank to remit {$400.00} to XXXX XXXX XXXX XXXX inorder to resolve this issue? .You have been so helpful.I really appreciate all of your hard work.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC (NJ)

I tried to open an account with XXXX XXXX  last year. Early warning services has an old bank account reporting and preventing me from opening any account. My card was stole and someone tried to use my account. I informed XXXX  XXXX XXXX of this in 2021 when this happened. I have disputed this incorrect information several times. This account needs to be removed
Consumer complaint received 2024-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (NV)

On or around XX/XX/XXXX I opened a checking account online with US Bank. I was asked to deposit {$25.00} and a Debit Card/PIN would be mailed out to me. I received my card and pin and went online to add Direct Deposit through XXXX. I went through the process on USBank.com and XXXX app to ensure all was correct. On Friday XXXX XXXX XXXX XXXX XXXX XXXX I noticed my paycheck was not available nor was it pending. I immediately XXXX XXXX XXXX  sent a message out to a Customer Service banker online and was advised that funds were indeed pending and that I would see them by the end of the day. Saturday XXXX came and no deposit was made, so I started to call the XXXX number to inquire about it. I was disconnected multiple times and told that notes in the account were not visible to the dept i had reached. After 2 hours of trying, I decided to call a branch and they advised that my account was on hold pending address verification. So not only was my check not coming, but it was also sent back to my employer, and it would reflect in about 10days. I let them know that I was told the previous day that it would be available and that if i would have known on a Friday I could have made arrangements for my withdrawals to be delayed but now as it was a wknd this was no longer an option. The Teller took my information and said she would put a request in to call me " first thing '' Monday XXXX  to the Branch Manager. It is now XXXX on Monday and i have received nothing... i reached out the Customer service and apparently my account has had a hold since Day 1 yet I have no Email/Mail/Text absolutely nothing indicating this. I have spoken to 2 reps since Day 1 and this was never mentioned... .in fact my first bank statement is available, and this too shows nothing.
Consumer complaint received 2024-01-22
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (AZ)

From the XXXX XXXX of XXXX I have received over 15 calls total in one week to 2 different # s. The company, FCO, has a debt that belongs to XXXX XXXX and has had prior conversations with me regarding this debt. I was removed 6 months into a 24 month lease and have paperwork that should have been provided to them by XXXX XXXX XXXX XXXX XXXX  ) saying as such. I have attempted to call the original creditor and get sent to voicemail repeatedly. No one has responded to me in regards to why they will not look at the paperwork and FCO is dialing MORE than the 7 dials per consumer in 7 days rule.
Consumer complaint received 2024-04-24
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: EQUIFAX, INC. (AL)

I wrote to XXXX, XXXX and Equifax about unknown inquires that are listed on my credit report last Month around or between XX/XX/XXXX and XXXX I believe to have unauthorized and unrecongnized inquires removed and XXXX has denied to remove the unrecognized and unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (PA)

Venmo froze my account for user agreement, did nothing wrong with said agreement, been doing the same thing for 3 yrs. Have my XXXXXXXX XXXX in Venmo then move money to bank account. Would not let me instantly transfer, called Venmo, said everything looked fine on my end. Representative told me to try and send it 3-5 biz days. On day XX/XX/XXXX funds never transferred, my card was declined at store. Called Venmo told me my account was frozen. Keeping my SSXXXX check, I am a XXXXXXXX XXXX, Im going to be evicted because of Venmo saying keeping my funds for up to 180 days. I will be dead by the end of the month
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am submitting this because XXXX XXXX XXXX  received a Billing Error Dispute notice from me dated XX/XX/2022 to both addresses provided by them at XXXX XXXX XXXX XXXX XXXX XXXX California, XXXX and XXXX XXXX XXXX, XXXX XXXX, Nevada, XXXX. Attached is a copy of the Billing Error Notice and other correspondence between myself and XXXX XXXX XXXX. 
Documentary evidence required to resolve a Billing Error dispute must be accompanied by the general ledger in accordance with the Generally Accepted Accounting Principles and signed by the person responsible for maintaining the ledger. Federal Rules of Civil Procedure, Federal Rules of Evidence, Rule 1002 states that I am entitled to the original. 
My recent Equifax, XXXX, and XXXX consumer reports show that neither of you three properly investigated the accuracy or validity of the information before being furnished and reported. This account should be reporting as open, current, with no late payments, zero debt utilization, zero past due, and paid as agreed. 
Not taking the time to conduct a proper investigation, as required by the Fair Credit Reporting Act, before allowing false and prohibited information to to be furnished and reported on my behalf has caused my reputation to be tarnished and my character defamed especially since your scoring system is based on my transactions and experiences. A few examples of my transactions and experiences are my payment history, credit limit, and debt utilization. Since all of those factors I listed affect my credit rating and score you are all currently aiding and abetting XXXX XXXX XXXX  in committing fraud and extortion. By advertising this alleged debt to me and or any other person through any means, including but not limited to a consumer report, you all may be participating in debt collection practices and acting as financial institutions. Advertising this alleged debt, which directly affects my credit score and rating, is an indirect way of helping to collect the amount of the alleged debt from me by coercing payment to XXXX XXXX XXXX. 
However I do comprehend that sometimes things get overlooked, mistakes are made, and errors happen. Equifax, XXXX, and XXXX, please take the time to thoroughly investigate this account and gather all the lawful documentation needed to resolve this issue. Please send me copies of all information and documentation used during this investigation to my current address. As previously stated XXXX XXXX XXXX  received a Billing Error Notice and this account should be reporting as open, current, with no late payments, zero debt utilization, zero past due, and paid as agreed. The disputed amount in the billing error notice may have increased since the date of the notice but does not change the fact that my account should be reporting as open, current, with no late payments, zero debt utilization, zero past due, and paid as agreed.