davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AR)

On XX/XX/XXXX, I was contacted by USAA concerning my credit card. During the conversation, I reiterated multiple times that while I was seeking a resolution to the problem at hand, the solution would not be made through me closing my account. Eventually, the agent made the statement that " [ he ] was making the decision to close the account. I need you to listen and agree to the following recorded statements. '' Given the manner and method in which the statement was given, coupled with the fact that I am already prone to XXXX and XXXX XXXX- something that USAA should be considerate of given that they market themselves to military members who as a group tend to suffer from XXXX and other high stress XXXX XXXX- I understood that I was not offered an option other than to follow the directions issued by the agent. 

I have since contacted the company and requested, asked, argued, pleaded, and every other synonym for them to review the recording of the conversation. While they have agreed that there is a recording of my agreement to the closure, no one will clarify any of the surrounding conversation prior to the closure of the account. The closest that occurs is that one agent has stretched, tremendously, that I previously agreed to the closure when I said " yeah '' after the agent asked " So I understand that you want to be done with everything and close the account. '' Has no one ever taken XXXX grade English and studied the word " ambiguous ''? I wished to be done with the problem that I was contacted about, I did not wish to close my account, which I had made plainly clear in multiple other statements, and which no agent will verify that I said. 

I maintain that they know if they verify my statement that I did not wish to close my account, then they have to admit that their agent acted inappropriately, and every action they have taken since then is punitive against me. Up to and including harassing phone calls meant to intimidate me to stop me from pursuing further actions to have this corrected. 

I have reached the end of my abilities to try to reason with the company. No agent will answer my question of how many times I made plain statement that I did not wish to close the account. No agent can explain how an agent can close my account- in good standing- against my express wishes and stated desires, other than through coercive means. 

Due to the closure of the account, my oldest and largest credit account, my credit score took a XXXX point drop. My other credit cards halved ( or more ) my available credit, and I have been dealing with constant and daily XXXX and stress XXXX XXXX XXXX 

Help, please.
Consumer complaint received 2024-01-25
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: CITIBANK, N.A. (NY)

Earlier this month I submitted a claim by phone to Citi for a fraudulent purchase made using my Citi Double Cash Card account. The purchase was made on XX/XX/2024 in the amount of {$3200.00} at XXXX XXXX # XXXX in XXXX XXXX, NY. 

At the time I reported the claim, the Citi representative who was assisting me on the phone asked me if I still had the card in my possession. I responded that I did because I honestly believed I did still have it. I knew I had not dropped the card ; my wallet had not been stolen ; my pocket hadnt been picked, and I had no recollection of doing anything that would have caused me to lose the card. 

It was not until a few days later, when I went to use the card, that I realized I did not in fact have it. I then reported this by phone to another Citi representative and told her that I had been mistaken earlier when I said I still had the card. I asked her to note this in her records and she told me she had done that. 

I have now learned that my claim was denied because, since it appears that an individual had my physical card when they made the purchase at the XXXX XXXX, that I am presumed to be that individual. This is completely unjust. The additional information I provided to the second Citibank representative was completely disregarded. I am now told that I must pay the amount of {$3200.00}. 

I have had accounts at Citibank for over 20 years. I currently have two checking accounts, two credit cards and a debit card with Citibank. Over the years, I have had a mortgage with Citibank and two Citibank XXXX XXXX loans which I have fully repaid. I have been an honest, loyal Citibank customer for over two decades. I expect Citibank to believe me when I say I made a mistake in thinking I still possessed the card in question.
Consumer complaint received 2018-05-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Synovus Bank (GA)

Had borrowed money in 2004 and paid off shortly thereafter where a primary residence was used as security. The loan was paid in full but the title was never released. I have requested the Bank ( XXXX XXXX XXXX XXXX XXXXXXXX, XXXX GA ) to release the title and all I could get was a letter stating we owed no money. The home has been sold and I need the lien removed by the bank. 

Thank You, XXXX XXXX
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2024-01-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Michael Harrison, Attorney at Law (NJ)

I was billed {$600.00} for a diagnostic scan performed by XXXX XXXX XXXX XXXX in XX/XX/XXXX. I paid this amount in full in XX/XX/XXXX. Now ( 4 years and 11 months later ) on XX/XX/XXXX a collections attorney ( Michael Harrison Esq ) has filed suit against me in state Superior Court to collect the same {$600.00} ( even though the company he represents says there is a zero balance ). When I attempt to contact the attorney via phone his system automatically hangs up. Emails I send to his business address are not responded to. 

I followed up on XX/XX/XXXX with XXXX XXXX XXXX via telephone to inquire about the {$600.00} amount against the account number referenced in the complaint. They confirmed to me that the amount was shown as paid in full. 

I am now expected to retain legal counsel and pay associated filing fees to respond to this unfounded claim. Given the amount due, I expect that many people would decide to pay, even though the demand is unfounded, to avoid potentially higher defense costs.
Consumer complaint received 2024-04-06
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)

I am writing to assert my rights under the Fair Credit Reporting Act ( FCRA ) and formally request the immediate removal of charged-off accounts from my credit report. The presence of these accounts not only inaccurately reflects my financial standing but also constitutes a defamation of my character. 

Under the FCRA, it is mandated that consumer credit information reported by credit reporting agencies must be accurate, relevant, and timely. However, the charged-off accounts listed below fail to meet these standards and must be removed without delay : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Status : Account charged off. {$18000.00} written off. {$3300.00} past due as of XX/XX/XXXX. 
Balance : {$3300.00} ( as of XX/XX/XXXX ) Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Status : Account charged off. {$1400.00} written off. {$2600.00} past due as of XX/XX/XXXX. 
Balance : {$2600.00} ( as of XX/XX/XXXX ) Furthermore, I have never received a 1099-C Form related to any of the alleged debts. It has come to my attention that these companies have utilized the debts as tax write-offs without providing proper notification, which further exacerbates the inaccuracies on my credit report. 

Per FCRA regulations, charged-off accounts should reflect a {$0.00} balance and be removed from my credit report accordingly. I demand that immediate action be taken to rectify this situation and restore the accuracy of my credit report. 

Failure to comply with this request within the mandated timeframe will result in further legal action to enforce my rights under the FCRA. I expect your prompt attention and cooperation in resolving this matter. 

Thank you for your immediate attention to this request.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (UT)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 2024-01-10
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX I was notified by Kohls of uncharacteristic charges on my account on XX/XX/XXXX and my account was frozen. After reviewing my statement there were two charges for XXXX and XXXX and Kohls was turning it over to their fraud department.
Consumer complaint received 2024-01-10
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I got a email from this collection company. Says I owe some money, I had a lease with apartment for XXXX months back in 2021, I still have lease and welcome emails, explains XXXX  months lease, I successfully completed the lease, since the previous apartment is sold to new company and the new management saying I owed the early termination fees, and they sent to collections, they keep sending emails and charging interest, Im not sure what to do now,
Consumer complaint received 2023-06-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FLORIDA HOME TRUST MORTGAGE ()

They closed my account and they kept my XXXX dollars, because it looks like a customer 's account was stolen, but I didn't know this, they scammed me too. Those who have to ensure that the client 's account is safe are them, the banks
Consumer complaint received 2024-01-10
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (PA)

I have been unable to pay my bill for a month or so. I explained to them my situation and told them Id pay as soon as I was able. They wanted the payment in less than 5 days and when I explained that it wasnt feesable they wanted it before 15 days. I got frustrated and hung up, and they have been calling non-stop all hours of the day leaving me vaguely threatening voicemails telling me to have my attorney call them that day or they will escalate it further. No mention of a debt collection has occurred, and I havent been able to get ahold of anyone when I call them back. I have been receiving upwards of 7-15 calls a day.
Consumer complaint received 2024-01-10
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 (NY)

On XX/XX/XXXX, I received two letters indicated that WF fraudulently obtained and then used my personal information to set up I requested accounts. I spoke with WF and was told I would receive two checks : {$240.00} {$3400.00} Said checks would be received within twenty days, XX/XX/XXXX or XX/XX/XXXX. 

Then on XX/XX/XXXX, I received a THIRD letter outlining WF fraudulent conduct involving additional actions. I contacted WF again and was told, I would receive a THIRD check in the amount of ; {$2600.00} AS OF TODAY XX/XX/XXXX I HAVE NOT RECEIVED ANY CHECKS WHATSOEVER. 

What I have received is a royal run around with incorrect, duplicitous, information. 

I filed a complaint with WF, and discovered that the first two checks were not approved until XXXX respectively and the third check, subject of the XX/XX/XXXX co tact has still not been approved. 

I have been sent back and forth between various departments at WF. The last contact was today, XX/XX/XXXX where I was told the matter is being handled by XXXX XXXX, but my request for XXXX contact info was refused. 

I filed a complaint on XX/XX/XXXX COMPLAINT # XXXX There is absolutely no oversight, respondents give patently incorrect information, refuse to provide particularized information as to who can resolve the matter and send me to myriad departments, which engage in conduct which obfuscates and withholds. 

BASTE!!!!!! 

I want all three checks ASAP, without further delay.
Consumer complaint received 2023-11-14
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-04-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION (CA)

Received an email XXXX notifying me of a deposit to an account I have no knowledge of from Navy Federal Credit Union XXXX. Someone is unlawfully using my name, social security number and other personal information to open accounts in my name. I called Navy Federal Credit Union on the XXXX and informed them of the fraudulent account. They were unable to assist me without details.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IA)

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-14
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

Subject : Urgent Request for Investigation and Removal of Unauthorized Accounts My name is XXXX XXXX, and I am writing to bring to your attention a matter of utmost importance concerning unauthorized accounts held by Capital One in my name. Regrettably, I have fallen victim to a XXXX scam, and it has come to my attention that accounts have been opened without my authorization. 

I kindly request a thorough investigation into this matter to rectify the situation promptly. I emphasize the urgency of this request and urge you not to close the case without a comprehensive examination and the subsequent removal of any accounts associated with my name that have been established without my consent. 

Your cooperation in this matter is greatly appreciated, and I trust that your team will handle this issue with the utmost diligence. I am more than willing to provide any necessary documentation or information to aid in the investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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 2024-01-10
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: SANTANDER HOLDINGS USA, INC. (FL)

I send a written letter to Santander consumer USA opting out of reporting to credit which have the right to according to law 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. XXXX was summitted on XX/XX/2023. 

thank you.
Consumer complaint received 2023-11-16
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. (MD)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

My name is XXXX XXXX, and I want to report an incident of identity theft. Upon receiving a copy of my credit report, I was surprised to discover multiple accounts that I never opened and am unaware of. After conducting research, I learned that I need to file a report with the Federal Trade Commission or visit their website at https : //www.ftc.gov to remove these fraudulent accounts from my report. I have attached the necessary documents to assist in blocking the erroneous information posted to my report. I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$210.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$24000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$220.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$75.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$560.00} XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX Bankruptcy Reference # : XXXX XXXX XX/XX/XXXXXXXX According to Section 605B of the Fair Credit Reporting Act, Credit Reporting Agencies are required to remove any accounts listed on an ID Theft Report.
Consumer complaint received 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (TX)

Account paid in full monthly on time. 
Purchased air conditioner on Target Red MasterCard and paid in full before due. Payment was over {$10000.00}, and that is reason they must put hold on my credit card? Ive spoken to my bank ( XXXX XXXX, ) and they released funds XX/XX/31 ; day after payment was made to Target Card Service. 
My credit card had been denied for no reason and WITHOUT notification causing hardship and embarrassment. Completely unacceptable.