davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

A fraud wire equaling up to XXXX XXXX was put in my back account. My account is now shut down because of this company o have the info of who it was this person has accounts with XXXX BOA XXXX XXXX  and other companies hes scammed including buisness cards he has with these companies. Using fake documents. I was asked to mail check wires and put cash on various accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX XXXX XXXX
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.
Consumer complaint received 2024-02-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I received a letter ( attached ) dated XX/XX/XXXX, from Capital One, with whom I have been a customer for many years. I add here that I have NEVER had a late payment and have had months of " no activity '' on this card over the years, because I do not like to use credit cards. And I am very proud of my XXXX credit score. 

The letter states that " over the last several months, the balance on this account has been significantly lower than your credit limit. Because of this, your credit limit could be decreased following this review. '' I sincerely paid no attention to this letter after reading it because I felt it was just another " ploy '' to have me rush right out and use the credit card ( the " could be decreased '' was my decision point to take no action ). Again, my payment record has been pristine and I admit I do not use the card very much. The letter said I had until XX/XX/XXXX, to opt out. I did nothing. 

On XX/XX/XXXX, I received an email ( which I regret I deleted ) to inform me that my credit limit of XXXX had been changed to XXXX. While unto itself this is not a life or death situation, as soon as I began to XXXX the potential impact this change might have on my STUNNING credit score - which contains heaps of the negative reasons why credit limits are lowered/impact your credit score but nothing about the positive of " you use your card wisely and the credit card company doesn't like that '' - I immediately called your number. 

I do not think it is FAIR in any way to have Capital One lower my credit limit because I am RESPONSIBLE with my use of their credit card. My motivation for filing this complaint is twofold : To ask how that this is even allowed to happen in the first place for my specific " uses credit wisely '' situation AND that this change may negatively impact my credit score!! It is NOT fair to me, as a responsible credit card holder, to now have a greedy company take actions that may negatively impact my credit score.
Consumer complaint received 2024-01-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (CA)

I am filing another complaint from the initial complaint, XXXXbecause their reply and information provided were completely incorrect. 
Briefly explain ; US Bank stated that I only spent {$31000.00}. However, i added up all the statements from XXXX XXXX to XXXX XXXX, ( XXXX calendar year we are in subject to ) I actually spent {$36.00}, XXXX. 
If I spent more than $ XXXX, I am eligible to receive XXXX bonus miles. 

They also forget to mention that I would receive XXXX bonus miles if i spent {$15.00}. 

It is very frustrating that I have to waste my valuable time to look up all the statements and add up all the purchases. 
I have attached the total ( wrote the amount I spent each month shown on the statements ) so US Bank easily understand. And to make sure do pay attention when they reply next time.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY (MD)

I have XXXX financing account, which is provided by TD Bank. I had automatic payments set up using XXXX checking account, which worked perfectly for a couple of years. In XX/XX/2023, I opened a new checking account with XXXX bank and closed the XXXX account, and added the XXXX account as payment method on the TD Bank website. But the website wasn't letting me delete the XXXX account and set up XXXX as the default payment account. I have made a video proving that the website wasn't letting me do this, which I'll share. Even after a few months also the website was not letting me do it. That goes out to say how much they care about quality control of their services that they didn't notice and fix a serious issue on their website. But I made sure that the automatic payments were on and that the XXXX account was set up as one of the payment accounts. But they kept trying XXXX account for payment, which, obviously, kept getting declined, because the account was closed. 
They sent me emails, but never sent me a physical letter of the issue. I think, its the duty of the lender to make sure they send, at least, one physical letter to the customer, even if I have e-statements set up on the account, before informing the credit bureaus of late payment and ruining my credit. Its also a duty of the lender that if they claim that they provide automatic payments on the account, to make sure that their website is functioning correctly to achieve that. I have had no late payments on my credit report all my life. And I can provide my credit report to you to prove that, if needed. Because, the websites of all the other lenders work perfectly. 
I have reached out to their customer service dept, and their credit dispute dept. first. The credit dispute dept claims that they sent me a response, which, I swear to XXXX, I did not receive. Then I escalated to their second level of customer service, the contact of which was given to me by one of the supervisors at the customer service dept. I even shared the video showing how their website wasn't working properly. They sent me a very indifferent, 2 line email reply claiming that what they did was correct. I replied to them again, but got no response. Then I reached out the their third level of senior customer service. They did the investigation and sent me a resolution letter, but mentioned nothing about the faulty website and claimed that the reporting to the credit bureau of late payment will remain.

By the way, I only had around {$200.00} balance on my account, which I paid in full as soon as I found out of the credit reporting. 

Here 's the link to the video. You have to click on the link and then a little window pops up underneath the link and then you click that, which opens up the video in XXXX. If the link doesn't let you click, then you'll have to copy and paste the link in your internet browser. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (IL)

In XXXX XXXX XXXX I had paid {$400.00} of a {$500.00} payment that was due to my credit card company at the time, XXXX XXXX. I recently checked my credit report and saw that I had a charged off account from them to Midland Credit Management. I looked into the account on their website and found my payment history. In XXXXXXXX XXXX XXXX I verbally spoke with a representative and they told me how my credit account would not be reactivated after payment, and that I would have to reapply for another account for a new credit card. I did not go through with it. XXXX XXXX had still been charging fees up until XXXXXXXX XXXX XXXX although the account was closed. I requested Midland to send all information they had to prove how they got to the balance of {$410.00}, and when I looked at the payment history they have, it shows that I was still being charged for an account I no longer had. XXXX XXXX charged me {$39.00} plus interest from XXXX XXXX XXXX before charging the account off when the account was in fact closed and unable to use.
Consumer complaint received 2024-02-02
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. (FL)

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax : While checking my most recent credit report, I noticed credit inquiries that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter.

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry.

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

Demand deletion of this item and compensate for the violation. 
Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
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 2023-09-22
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: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX while checking my most recent credit report, I noticed 7 hard credit inquiries, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB Card XX/XX/XXXX JPMCB Card XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-01
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (MI)

I first requested access to this account because I had not accessed it in many years. This was an account from highschool and I am now in my XXXX. PNC online system would not allow a password reset even after I called PNC customer service. I decided to close my account and initiated that over the phone XX/XX/XXXX. I waited the 3 business days for the address change freeze to be lifted then called them back to close the account and mail the check. They said they already mailed me the check to my new address and the account was automatically closed. Three weeks go by and I never received the check. I called them and they said the check wasn't cashed but would assign a case manager to research and get back to me. Long story short, they ended up giving the money to my mom who had gone into a local branch to consolidate her accounts and they took my money and gave it to her because her name was on my account since highschool. After two weeks of research the case manager told me it had been cashed already and gave me my moms name. PNC customer support lied about so much its unreal they are still in business because this check had been cashed in early XXXX and it took them weeks to figure this out.
Consumer complaint received 2024-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO Bank, N.A. (VA)

Background : My father had a checking account with BMO. I was added to the account when his health got bad. He passed away in XX/XX/XXXX. 

As part of closing the account I was transferring funds out of the account but keeping it open as I was trying to track any bills/benefits/accounts he had connected to it, but had withdrawn much of the funds. Had an unexpected charge from his closed cable account which put the account negative {$130.00}. 

I contacted BMO through online chat on XX/XX/XXXX to ask how to close the account properly. I was told to transfer in funds so it was a XXXX balance, and then I could close it through online chat again. 

That same day I initiated a transfer using BMO 's website. I received an email confirmation that the funds would be pulled from my XXXX  account to BMO. BMO sent an email saying the funds were taken from the XXXX account on XX/XX/XXXX and would be available in the BMO account in another day. On XX/XX/XXXX, BMO sent an email saying the funds were credited to the destination account as of XX/XX/XXXX. 

The Issue On XX/XX/XXXX, I logged in to contact chat and close the account. I saw BMO had closed the account on XX/XX/XXXX, but stated it was closed with a negative balance and money owed, and they sent derogatory information to XXXX. 

I contacted online chat who refused to assist me saying they could not verify my identity, though just 10 days earlier I had communicated with them in the exact same manner.

I then spent 45 minutes waiting on hold to explain the situation to a customer service rep, who put me on a hold for a long period, and then told me I had to talk collections.

She forwarded me to the collections dept, which is just a voicemail box that tells you to leave a message and they will contact you back in 24 hours. I left a message with my contact info and explanation. Three days later I have received no response. If I log into the account it still says closed with negative balance sent to XXXX.
Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

After accepting a pre-approved Capital One Savor card it arrived in the mail and I called the activation number on or near XX/XX/XXXX. I was refused activation and told I needed to send images of the front and back of my driver license in order to activate with no explanation why. At the same time I was locked out of my CreditWise membership with no explanation. On or near XX/XX/XXXX I sent the images to the link provided and waited but no response, about a week later I called to ask what was going on and was told the images I sent were blurry and must be resent. I explained they were not blurry when I made the images through the copier and were not blurry when I sent them through the link ( there is no way to blur the images that I'm aware of ). I said that I was thinking this may be a scam and said I was calling the CFPB - the rep said " Go ahead ''. XXXX sent me an email saying my credit had been downgraded due to the running of my credit for the card they refused to activate and still to this day ( XX/XX/XXXX ) have me locked out of my CreditWise membership. I received a letter dated XX/XX/XXXX saying I needed to call to " verify additional information on your account opened on XX/XX/XXXX '' so I called today ( XX/XX/XXXX ) and was told the same exact thing about the " blurry images '' and was all but accused of being a " fraudster ''. The person stated again and again that what I was doing was exactly what fraudsters do. I was outraged to say the least. So I now have a lowered credit rating from Outstanding to Very Good with at least one credit agency ( I'm unable to check the others through my still locked out CreditWise ) and have nothing to show for it.
Consumer complaint received 2024-03-26
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. (KY)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-12-26
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. (IL)

I was trying to but property and was denied due to unverified public records on my report and a XXXX charge off. I sent several certified letters made calls and no cooperation from credit bureau to show proof of verification. This is defamation to my character and I want all fraudulent accounts removed immediately.
Consumer complaint received 2023-09-22
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)

The following accounts I have disputed on multiple occasions. I did not have accounts with the following companies yet they still are on my credit report. I 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 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Per the FCRA as a federally protected consumer. I am now opting out any and all authorization. I the consumer may have given you ; written, unwritten, verbal and nonverbal per 15 U.S.C. 6802 I have recently received a copy of my consumer reports and noticed that your company has disclosed nonpublic personal information to multiple nonaffiliated third parties such as the CRA 's. You have furnished my personal account information Account name XXXX XXXX  Account number XXXX to the consumer reporting agencies without considering disclosing to me first whether I wanted to have my account information shared or not. According to the XXXX XXXX XXXX XXXX, Financial institutions are permitted to disclose to a consumer in writing or electronic form, that such information ( MY PRIVACY ) may be disclosed to such third parties ( CRA 'S ). After carefully reviewing our contract agreement I notice I have not received or signed any disclosure stating that I give your company permission to furnish my nonpublic personal information. See 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2024-03-26
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. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.