davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

under the fair credit reporting Act ( FCRA ) credit Reports must accurately reflect a consumers credit history any discrepancies, such as late payments close account or unauthorized inquiries violates the federal law transfer me the right to dispute any rectify these inaccuracies there are unauthorized inquiries, unauthorized accounts on my credit report closed unauthorized credit card XXXX XXXXXXXX bank inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  closed accounts XXXX XXXXXXXX XXXX, ( listed twice ) XXXX XXXX XXXX XXXX bank ( listed twice ) XXXX XXXX ( listed twice ) XXXX XXXX unauthorized account closed
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I " XXXX XXXX XXXX '' have noticed late payments on my consumer report that must be removed and deleted. Within addition, I request a new update with the credit cards reporting payments on time. According to the law FCRA 15 USC 1681 a 2Ai. ( 2 ) exclusions. - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The credit bureaus have violated these consumer laws and must be held accountable for.
Consumer complaint received 2023-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (PA)

XX/XX/23 Reported to bank 's fraud department that a fraudulent check was deposited to my account. Asked bank representative to freeze account and close debit card. 
XX/XX/23 XXXX direct deposit {$350.00} taken by bank to offset fees XX/XX/23 Received bank letter indicating deposited item being returned as fictitious item XX/XX/23 Received bank letter indicating investigation closed XX/XX/23 Letter received from bank indicating account closure. 
XX/XX/23 social security XXXX benefits received by bank verified by trace # provided by social security XX/XX/23 Went to bank to pay any fees and close account. Representative indicated account closed, social security XXXX returned to them as they could not post it as account was closed. 
XX/XX/23 called bank advising social security treasury did not receive funds back. Upon bank visit, learned social security posted for {$2400.00}. Bank took {$520.00} for fees and overdrafts was told by associate I could withdrawl {$1900.00}. Visited bank, informed account frozen for XXXX business days. Bank would not unfreeze social security XXXX even after all fees and negative balance was taken care of. Told I could possibly get funds on XX/XX/23. Asked bank how they could freeze federal XXXX funds, was told they can do what they want. Advised by associates to leave bank as it was closing time. 
Because funds were frozen, cable and cell phone turned off. Landlord started eviction process.
Consumer complaint received 2024-05-13
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: U.S. BANCORP (CO)

US Bank Relicard doesn't allow you to transfer funds to a bank account. I bank with a credit union. I have to call to get the limit changed so I can withdraw the total amount my rent exceeds the withdrawl limit so I have to call, request the limitbe removed, wait 2 days, go to US bank and make the withdrawal, then go to my creditunionand depositit just to pay my rent. In addition I am XXXX. I risk going into XXXX  every time I leave my house and I am not allowed to drive due to my XXXX. I have to pay for an XXXX, go to US bank, pay for XXXX again, go to a credit union and then pay for another XXXX to get home. I spend roughly XXXX weekly just to do this 4 times a month. I can not take public transportation due to risk of allergans causing XXXX, venom  from insects and exposure to sunlight that can cause XXXX. It's roughly XXXX a month. Colorado State is using a service that will not validate my perfectly valid account at XXXX and refuses to provide the name of the company validating the account. Inhave been on unemployment in the past and had direct deposit that worked. I have no way to fix this issue. I have contacted US Bank, the governor, the Lt Governor, all state representatives in my district and the head of XXXX in Colorado and no one from the state has responded. US Bank will not address the issue. XXXX will not release the name of the vendor validating financial institutions. My rights as a XXXX person are being completely trampled and absolutely no one cares. I could pay all my monthly bills except for rent with what I pay just for transportation to put the money in my bank account.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am filing a complaint against Capital One for reporting inaccuracies across all three major credit bureaus : XXXX, XXXX, and XXXX. These inaccuracies include erroneous account statuses, balances, and other critical credit information that fail to reflect my actual credit history. 

XXXX of Inaccuracies : The errors were identified during a credit report review on XX/XX/2023. 
Initial Dispute Actions : Formal dispute letters were sent to Capital One on XX/XX/2023, for each credit bureau, challenging the reported information and demanding compliance with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX standards. 
Nature of Discrepancies : The disputes involve inconsistencies in reported account statuses, balances, and dates of activities for the periods of XX/XX/2023 and XX/XX/2023. 
Lack of Adequate Response : As of XX/XX/2023, Capital One has not provided satisfactory responses or resolutions to these disputes. 
Impact on Credit Score : These reporting inaccuracies are negatively impacting my credit score and financial opportunities, causing undue stress and potential financial loss. 
Repeated Resolution Attempts : Despite multiple attempts to resolve these issues directly with Capital One and providing a 30-day window for investigation and correction, the inaccuracies remain unaddressed. 
I am now seeking the CFPB 's assistance to ensure that Capital One corrects these errors across all three credit reports and adheres to FCRA and XXXX XXXX reporting standards. The ongoing inaccuracies in my credit reports are causing significant harm to my financial standing.
Consumer complaint received 2024-01-26
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. (AZ)

The inquiries showing in the report of Equifax and XXXX is incorrect and must be deleted accordingly : Equifax : 1. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


XXXX 1. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In according to the Fair Credit Reporting Act, this creditor XXXX account # XXXX XXXX reported a 30 day late XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX reported a 30 day late XX/XX/2021 has violated my rights. Under 15USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states the consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 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 2024-05-13
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc. (MI)

In regards to comenity-Torrid. I made a purchase of {$100.00} dollars to my credit card. They have tried to say XXXXwo times now that my charges did not go through when there was no problem with my card. After the first time they did this, I followed up everyday and made sure there was money in the account, and also seen the torrid statement that said it was paid off, as well as the charge on my bank account. However, they wait for at least XXXX weeks after the due date of the payment to be able to say your payment did not go through, for the purpose of fraudulently charging extra for late fees. I had even made my second payment a couple weeks early while speaking to a supervisor, just so this didnt happen again, and it did. What type of late fee is {$40.00} anyways, thats outrageous. I have spoke with my bank due to there being insufficient funds as Comenity stated and the banker had even said I am probably getting scammed, as I had the money in my account and my card is working just fine everywhere else. So now I am ordered to pay around {$180.00} for a {$100.00} purchase. The most they can say is they MIGHT be able to help with a {$15.00} credit. I am afraid they will keep doing this to me and others, and in the end charge me more money than I can even afford. When you take the time to look this up you can see many complaints about this happening from many others a well, thats why I am reporting this. To stop them from fraudulently scamming our fellow community. Additionally, they have continuously made me not want to do business with my once favourite store. Theyre losing Torrid business by treating their customers unfairly, Comenity-DO BETTER
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (CA)

TRUIST BANK is inaccurately reporting payment history and fails to provide closed account data. I have requested them to provide me with the payment history and closed date and they do not provide me with the details. They are reporting CO on mulitliple months and that is unfair credit reporting. I have asked XXXX to update or remove. They do not and they do not provide me with correct information either.
Consumer complaint received 2024-01-08
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (KY)

I had reported the Victoria Secret duplicated my charged off account. They acknowledged it but blamed it on the debt buyer and said they would delete the duplicate. They did delete the older one and left the current one with the charge off updated to XX/XX/2023. It was paid off in XXXX of 2023. I would like this removed because they have updated it incorrectly and it is damaging my credit. I feel it is in retaliation to my filing a report on here.
Consumer complaint received 2024-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NV)

Wells Fargo overdraft fees were excessive and abused common practice stating a one day grace period. Balance inquiries went to far when checks where pending longer than the reasonable amount off time statements failed to represent wire transfer to creditors causing accounts to go into collections, statements showed overdraft fees were applied to items returned unpaid when they where charged or I would have to rely on statements inconclusive after the fact, account was in exclusively narrated to hide the mistakes making the account hard to understand the balance from month to month over the entire year as I waited months being transfered to corporate to bank.at one point being told in an interview that I should bank somewhere else and that I wouldn't ever get my money back Wells Fargo had an answer for everything wrong when they where in the wrong. I have been brushed off with my creditors XXXX notices to have collections come after me. Wells Fargo is a bully and falls short of the practices I banked with them to begin with. I have enough of the record to prove the duplications overdraft fees inquiries and the account closed stoping direct deposits to other accounts being held up this compliant deserves to be on one of the worst experiences I ever had to in counter about {$4000.00} worth if that even touches the time spent and financial ruin.
Consumer complaint received 2024-01-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CrossCountry Mortgage LLC (NJ)

XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX To CrossCountry Mortgage XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Whom this may concern, I am writing to formally the revoke the security interest associated with my Mortgage Account number # XXXX. I, XXXX XXXX XXXX, XXXX the beneficiary of the promissory note linked to this loan. 

Correspondence has been Sent to XXXX XXXX, XXXX Indentured Trustee. As the indentured Trustee of XXXX Mortgage, XXXX XXXX has lawful duties that they must abide by. XXXX XXXX XXXX being the beneficiary, needs XXXX XXXX XXXX XXXX by their lawful duties. According to the securities exchange act of 1934, it is the obligation of the indentured trustee to handle the discharge and cancellation of debts. 

XXXX XXXX, your indentured trustee received my registered securities via registered mail and the record is documented. I am formally instructing you to wire my securities through my Treasury direct Account, where they were intended to be in the first place. 

XXXX Account BANK NAME : XXXX XXXX Number : XXXX Account Number : A - XXXX - XXXX - XXXX I am the beneficiary of the promissory note and I kindly request that you take the lawful steps in Discharging this debt and wiring my securities to me, where they were intended to go in the first place. 

Being that my promissory note is a 0 % certificate of indebtedness, I understand that it is not being registered with the SEC, and that is how the securities fraud is going undetected. 

Please take the necessary steps in revoking your security interest as per my request, wiring my securities through my XXXXXXXX XXXX  Account, and take the lawful steps in Discharging this debt promptly. 

Your prompt attention to this matter is appreciated. Please confirm in writing once the revocation is processed, the securities are successfully wired to the provided XXXX Account and this debt is successfully discharged.
Consumer complaint received 2024-01-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I fell victim to a XXXX scam on XX/XX/XXXXXXXX A tree fell on my family 's house, and we were working with a contractor we did not know to clear it. After he left with checks, he began e-mailing that he could not cash them, and asked if we could pay via XXXX. This was because the real contractor 's e-mail had been hacked. We lost {$3500.00} to this scam. 

We realized we'd been scammed on XXXX XXXX, and immediately contacting Bank of America. We also filed a police report that day. 

On XX/XX/XXXXXXXX Bank of America notified me via letter and e-mail that they could not cover the claim. 

My understanding is that under Regulation E of the Electronic Fund Transfer Act, Bank of America does have to cover the claim because the transaction was obtained fraudulently.
Consumer complaint received 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (LA)

In XXXX XXXX XXXX I contacted discover card to confirm that my auto pay was canceled. it was confirmed by the wreck as well as my app that it was canceled. a few days later out anyway through auto pay. I contacted them and they refunded me the {$200.00} that was not supposed to come out. I recently wanted to confirm again that it would not be coming out after I spoke to a rep in the executive office in reference to making sure this didn't happen again. we confirmed it I have an email that shows that it was done. however, another autopay payment went through again in same amount of {$200.00}. 
In addition to recent mishandling of my trust. I have no choice be to file complaint here and with Office of Attorney Generals office. I don't trust Discover anymore. They also allowed for a debt transfer check to be used without any security measure for identity theft that took place last year. 
I make 2 substantial payments a month to get debt paid off. It's is disgraceful how greedy Discover is.
Consumer complaint received 2024-05-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

I was impacted by the subprime loans distributed by Sallie Mae/Navient by for profit school , XXXX XXXX XXXX . Both companies have be held accountable for causing financial harm to students by closure or lawsuits ( XXXX XXXX XXXX ). 

Navient has not been rehabilitated and continues the same deceptive practices.

I've still been paying my loan faithfully but Navient failed to process payments according to our auto agreement, which caused a chain reaction leading me to fall behind and owe more interest. It's been devastating to my finances, dropping my score XXXX points. My rate reduction ended but they were to still pull the updated payment from my account as promised. They did not pull the payment, marked it late and reported unwarranted negative activity on my credit file, even after payments were made.

No matter how much I pay, I can not see any progress on the loans. My federal loans from XXXX XXXX XXXX  ( Same account ) are in the process of being forgiven and refunded because of the disruptive and deceptive practices of the institution. Navient is still attempting to collect on the same deceptive accounts. They have defrauded myself and family for years and are currently putting me at risk of financial ruin.

The current cost of my loan is exponentially greater than the original balance, they are egregiously benefiting from the interest on debt that should be discharged ; the company not processing payments as agreed is just the cherry on top.
Consumer complaint received 2024-01-08
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC. (SC)

Halsted Financial Services XXXX XXXX XXXX, XXXX has sent me several emails saying I have a debt with XXXX for {$3900.00}. I believe this is a phishing email as I don't have account or any relationships with Halsted or XXXX. Nothing is showing on any credit report showing a debt. Also my spyware will not allow me open suspicious emails. This is the email address to a link to get information about account, nfo.halstedfinancial.com and this is the email that this information came from XXXX. This phone number here when you call, you are on hold for a few moments and when you asks for details they can't give you any but what you owe. I did not provide any of my information to them at all when I called them ( XXXX ) XXXX I have had identity thief in XXXX  which for the most part has been taken care of. People are still trying to open credit under myself. This may be part of it! 

I will file a civil lawsuit if they keep trying to contact me when I have no relationship with either company trying to get money out of me.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (OH)

I was looking at my most recent credit report and noticed Nordstrom/TD Bank reporing a charge off account. This is not accurate at all and I demand an immediate investigation and removal. This account they claim is charged off is showing a current balance. I want to see every document associated with this account including an original contract with my true signature.
Consumer complaint received 2018-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NY)

I submitted an application to Citi Bank for a promotional offer I saw online. https : //www.citicards.com/XXXX I received a request for additional documentation including photocopies of my XXXX and payslips ( which is not a common request from credit cards and I still complied with those requests ). 

My credit score is excellent ( XXXX ) and my XXXX shows income above XXXX dollars a year. I did not receive a fair explanation of the reject letter either and I have to assume that it is discrimination.
Consumer complaint received 2024-01-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NV)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Midland Credit Management XXXX for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of XXXX and XXXX, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 
This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to XXXX XXXX XXXX XXXX ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Midland Credit Management XXXX, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Midland Credit Management XXXX, continues its collection efforts, I will file for litigation for actual damages caused and Midland Credit Management XXXX, shall be liable for violations of TILA, FCRA, XXXX, XXXX, the XXXX XXXX XXXX, XXXX Act, XXXX XXXX XXXX FTC XXXX and XXXX Act. 
Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant XXXX XXXX. Your prompt attention and response are both requested and required.