davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-15
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (VA)

On XX/XX/XXXX I mailed a check from inside the post office to XXXX XXXX to cover the cost of a municipal bond purchase. The check from XXXXXXXX XXXX  ( check # XXXX ) was for {$15000.00} was made payable to my revocable trust. I was notified on XX/XX/XXXX that the bond company had not received my payment. I immediately notified XXXX XXXX  and was told that the check was posted to my account on XX/XX/2023 by an unknown party indicating that the check had most likely been stolen from the mail. I visited XXXXXXXX XXXX the same afternoon completed the required fraud affidavits. Additionally I had XXXXXXXX XXXX  wire funds to XXXX to cover my purchase. XXXXXXXX XXXX  forwarded the fraud affidavits to TD Bank who had illegally cashed the check. To date TD Bank has not responded to any of XXXXXXXX XXXX repeatedly inquiries regarding the claim. Please note that the United States Postal Service was notified of the mail theft and is completing their investigation.
Consumer complaint received 2023-12-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KLS Financial Services, Inc (AL)

XXXX XXXX called and said that an XXXX XXXX had sent my info and my debt over to them. I asked her for details and she wouldnt provide them. It was supposedly for a debt in XXXX XXXX. I live in XXXX XXXX. They had my number and name and the wrong birthday. I asked how they got my number associated with the wrong person in another state and she hung up.
Consumer complaint received 2023-02-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XXXXXXXX XXXX 2023 I downloaded the XXXX XXXX app to check on the accuracy of my credit report and discovered I had a hard inquiry and an auto loan from Capital One Auto Finance being reported. I have never applied for an auto loan with Capital One Auto Finance, nor have I never received any money from Capital One Auto Finance. This has to be some kind of mistake or someone has committed fraud, because I have never received an auto loan from Capital One Auto Finance.
Consumer complaint received 2023-12-15
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Zions Debt Holdings (MD)

I received notice from Zions Debt Holdings collection company on Saturday, XX/XX/XXXX at XXXX ; Stating owed XXXX XXXX XXXX {$1000.00}. 
during the communication Zions Debt Holdings stated that " collection, late payments, delinquencies, and judgements stay on a credit report 7 years. Bankruptcies stay on for 10years, and account closed stay on for 10 years. Tax liens stay on indefinitely. 
they went on to say that this was not a new collections, even though this was this was the first they contacted me. 


I had a contract with XXXX back in XXXX. I cancelled the contract on XX/XX/XXXX. XXXX closed and cancelled the account in XX/XX/XXXX. 

On XX/XX/XXXX Zions Debt holdings sent me another notice to pay. I called XXXX today XX/XX/XXXX and spoke with a person named XXXX. XXXX informed me that XXXX did not sell this debt to Zions Debt Holdings ; Most of all, they stated they do not sell to their debt to collections agency. 
XXXX advised me not to pay Zions Debt Holdings claim this to be a scam. 

Zions Debt Holdings has since reported me to all the credit bureaus. I disputed XXXX and lost. I was denied a private student loan through XXXX XXXX to attend XXXX on XX/XX/XXXX. 

I am asking you to investigate Zions Debt Holdings and repair my credit by removing their collections on all three credit bureaus. 

Zions Debt Holdings address is XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number XXXX XXXX XXXX XXXX Account number for XXXX is XXXX
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

Source of Information : FIRST CITIZENS BANK ; XXXX XXXX XXXX, XXXX, XXXX XXXX Phone Number : Telephone Number Not AvailableReported For : ACCOUNT ABUSE ; Reported Name : XXXX XXXX XXXXReported XXXX XXXX XXXX XXXX, NC XXXX XXXX SSN/ID : XXXX License : XXXX State : XXXXDate of Closure : XXXX # : XXXX / XXXX Charge Off Amount : $ XXXX Status : UNPAIDClosure Status Date : XX/XX/XXXX, XXXX : XXXX XXXX BANK ; XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Number : Telephone XXXX Not XXXX Inquiry Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Provided : XXXX XXXX XXXX XXXX XXXX NC XXXX Provided : XXXX License : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Number : Telephone Number Not Available Inquiry Date : XXXX Provided : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Provided : XXXX License : XXXX : XXXX : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, MA XXXX Number : Telephone Number Not XXXX XXXX XXXX XXXX XXXX Provided : XXXX XXXX Address Provided : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Provided : XXXX License XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, NC XXXX Number : Telephone Number Not Available Inquiry Date : XXXX XXXX : XXXX A XXXX SSN/ID Provided : XXXX XXXX XXXX XXXX : NC, I have sent in FTC report, police report and have sent XXXX XXXX of XXXX XXXX XXXX XXXX the alleged XXXX isn't XXXX nor XXXX I give anyone authorization to use my personal info.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Happy Money, Inc. (PA)

My information was used to get a loan that was not authorized by me, I filed a police report. I also submitted a fraud victim letter and disputed online with the company several times. I requested proof of validity under the statue of fraud limitations. According to consumer law if a creditor can not prove that they are required to remove it by law which they refused to.
Consumer complaint received 2023-12-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WLCC (CA)

I am currently in a program to help with my financial situation XXXX XXXX. They have been able to come to payment agreements with most of my creditors. Explore Credit states theyve never been contacted which they were on XX/XX/XXXX for an agreement and did not answer. I have placed stop to payments by my bank at XXXX and they now are debuting my account via check. Ive called my bank which can not refund me but only file a dispute, and I have numerous times called and emailed Explore Credit to please stop payment. I last spoke to them on XX/XX/23 and was told my upcoming draft would be postponed til XX/XX/23 so I had time to fill out documents to agree on payment with XXXX XXXX and they never sent me the documents nor called me as I was told and still got drafted XX/XX/23 as promised. I called to ask why that was they said they had a technical difficulties. I contacted XXXX XXXX and was asked to reach out to you.
Consumer complaint received 2023-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Onity Group Inc. (NY)

applied for a loan mod back in XX/XX/2023, they said they would look at it and will take 30 days, now is mid XXXX and they sent a take it or leave it offer, i have less than a week to reply. i get my loan mod and have 3 payments of XXXX a month, the same for the next 6 months and then a balloon payment of {$64000.00}, they granted a loan mod but didn't extend me any time to pay off whats do. i though a loan mod was to give a person time to pay things off, what happened? it's a lone mod that only benefits my loan servicer, good old PHH, how about giving me some time to pay it off?
Consumer complaint received 2023-12-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (CA)

Commencing on or around XX/XX/2023, I fell victim to two multi-layered scam operations run XXXX XXXX XXXX XXXX - XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( s ).
Consumer complaint received 2023-09-22
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. (NY)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance : {$37.00}
Consumer complaint received 2023-12-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

I received a letter saying that I need to update my business checking account with my physical address. I updated the address to match my physical address ( matching my drivers license ). I received another letter saying the account will be closed. I called and verified the address over the phone. they confirmed that the address is updated and I should ignore any further letters. 2 months later they closed my account and seized all the balance in my account. that disrupted my business as all my online business and Stripe account was tied to that account.

I called to ask why it was closed they said there are two profiles on the system and one had the wrong address. I explained I only have one account and one profile that I can access online and on THAT profile, my address IS updated and the proof is the last letter they sent me DID come to my home address! The bank in question is WELLS FARGO
Consumer complaint received 2023-12-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BMO Bank, N.A. (CA)

On numerous occasions, I have made principal payments on my HELOC with BMO Bank under account number XXXX and the lender credits it 2 or 3 days later charging me interest all the while having been paid. This dishonest tactic by the lender if making them potentially millions of dollars in ill gotten profits due to their dishonesty. 

I have tried to contact them on numerous occasions. Their system is set up through XXXX XXXX as the servicing agent for the lender and is next to impossible to get through. The system is designed to frustrate a customer and exhaust them into giving up. Reps who answer the phone after lengthy hold times, inundate a customer with endless " verification questions '' and some of the questions are trick questions like " when was this loan set up '' or " what is the current interest rate on the HELOC '' in a market where rates can change daily and answering these questions incorrectly will block the customer from being able to access their account. On multiple occasions, they have asked at least 5 or 6 trick questions desgned to exhaust the customer with the ultimate goal of not addressing my concerns about their dishonest and illegal interest calculations. Please step in and get them to follow the law and stop this abuse.
Consumer complaint received 2024-03-16
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. (CA)

XX/XX/year> RE : Request for Removal of Inaccurate Derogatory Information from Consumer Credit Report To Whom It May Concern : I am writing to bring to your attention a matter of significant concern regarding the accuracy of information contained within my consumer credit report. It has come to my attention that certain derogatory information, specifically pertaining to XXXX XXXX XXXX account XXXX, continues to be reported inaccurately on my credit file. 
I must emphasize the gravity of this situation, as it is not only a breach of federal laws and statutes but also a violation of my rights as a consumer. Upon disputing the aforementioned account with Experian and XXXX, it was promptly removed from my credit files due to an inability to verify or validate its accuracy. 
In accordance with the procedures outlined in 15 U.S.C. 1681i and its subsections, I have diligently pursued the removal of this disputed account from all relevant consumer reporting agencies. Despite my repeated efforts and requests, Experian has thus far failed to acknowledge or act upon my legitimate concerns. 
Furthermore, it has come to my attention that the reporting of this account may also be in violation of IRS debt cancellation regulations. According to IRS guidelines, cancelled debt income, such as that resulting from a charge-off or collection, should not be reported on a consumer 's credit report. Given that XXXX and XXXX have already acknowledged and corrected this error, I expect XXXX to do the same without further delay. 
I urge you to take immediate action to rectify this situation by removing the inaccurate and misleading information from my credit file. Failure to do so may result in further escalation of this matter, including potential consumer or legal complaints.

Enclosed with this letter, you will find a copy of my credit report highlighting the violations, as well as documentation confirming the removal of this account by other consumer reporting agencies. As well as the General Debt Cancellation from the IRS. 
Thank you for your prompt attention to this matter. I trust that you will address this issue with the seriousness and urgency it deserves. 
Sincerely, XXXX XXXX [ Enclosures : Copy of credit report, documentation of removal by other consumer reporting agencies ] Please note that a copy of this letter has been sent via certified mail to ensure its receipt and has also been forwarded to the U.S. Bankruptcy Court of California for their records.
Consumer complaint received 2023-12-15
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: DISCOVER BANK (NY)

Hi I had a credit card which I am carrying since 2016. I was a XXXX XXXX at that time and the credit limite is {$500.00}. Today, I managing 5 credit cards with a limit of {$12.00} XXXX. 
Discover never notified me or sent me any alert. My credit score went down by XXXX points as a result of a late payment. I have tried to write letters and called multiple times discover and the bureaus. This is the first time a late payment occured. The amount was {$140.00} and was paid in full, the second I learned about this whole situation. Discover bank decided to refund me for late charges and I since enrolled in automatic payments. Today, I would like you to verify please that late charges were refunded, and that discover never gave me a notice by email. I am a frequent traveler and I have been abroad for the past couple of months. I have signed for paperless documents with them, but they still want to communicate by paper for such alerts.
Consumer complaint received 2015-10-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NPS GROUP (VA)

I am getting repeated calls from XXXX. The message left on my voice mail is a recorded message from " NPS ''. They have never identified who they are, who they are representing, and the nature of the call. If I owe a debt, I want something in WRITING that states who they are, who they are collecting for, and the nature of the debt. I do n't think that 's too much to ask. I will NOT give ANY personal information over the phone until I have all of this information in writing because I do n't know who they are. They can not expect me to give out personal information over the phone without proof of debt.
Consumer complaint received 2023-09-27
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. (DC)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

In XXXX XXXX, Capital One Bank changed vendors for their online banking system and " migrated '' users ' online Bill Payment information to the new system. A notice was emailed to users beforehand saying the system would be unavailable for several days of a weekend. 

When the new system was available, it had a completely new user interface. Billers ( i.e., payees ) and scheduled payments were listed in full whether you wanted them or not. And, there was no access to recurring payments to change due dates or payment amounts. I began calling Capital One every few days to find out when I would be able to edit a recurring payment - and was told " There are temporary problems with the ability to edit a biller. Try again later. '' Then, one day, I was told that the only way to " edit '' recurring payment was to delete the existing scheduled payment and enter all the information again by setting up a " new '' payee. Initially, I refused to do this and insisted that the edit capability must be restored. Finally, around XX/XX/XXXX, I gave up and deleted the old payment and tried to start a new/replacement payee. But, the system hit a " snag '' and said to try back later. I called again and raised a major fuss about the incompetence of CapOne 's IT operation and their inability to provide access to my accounts and money so that I would conduct banking operations. 

My complaint was escalated and I was told someone in IT would contact me about my problems. The supervisor admitted that he was fielding many complaints such as mine and that all the other supervisors he worked with were also receiving complaints about the " Bill Pay '' portion of their system. On XX/XX/XXXX, I received an email saying that the new payee I had attempted to add had been successful and that I could proceed to set up payments. This morning, ( XX/XX/XXXX ) I tried to do that and the message was " Oops, we've hit a snag - try again later ''. I called again and asked to speak to a supervisor. Her name is XXXX. She listened to my long-running set of compaints, said she could see records of my previous calls, and told me there was a " system-wide '' failure of online banking this morning but that IT was working to resolve problems. I was not satisfied. She said she could provide me with my Case ID number ; they had opened a file on me : ID XXXX XXXX XXXX XXXX XXXX. She then said she had received an email during our call to tell customers not to change anything regarding their online banking info. I told her that, at this point, I am being reduced to writing a check and mailing it to the payee because CapOne 's online banking system was denying me access to my money - which I said was illegal. This is a monumental, colossal failure of a major banking institution to effectively manage computer system operations and amounts to a denial of service. They have my money but I can't spend it in the manner which any online banking system should provide.
Consumer complaint received 2023-12-15
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. (CO)

EXPERIAN has reported a fraudulent account on my credit report. It was not authorized and has no valid information about me. I have requested it to be removed in alignment with FCRA regulations, but they refuse.
Consumer complaint received 2023-04-11
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2018-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

During a prior dispute, XXXX  removed all of the following accounts because of false misrepresentations. However, XXXX only decided to remove one of the following accounts although both agencies were submitted the exact same information regarding the Capital One accounts. For whatever reason, XXXX cannot find reasonable cause to remove the other two account when they have all the required information to do just that, remove the incorrectly reported accounts. Capital One Accounts in Dispute:XXXX - $XXXX (Deleted by XXXX)XXXX - $XXXX (Deleted by XXXX)XXXX - $XXXX (Deleted by XXXX); (Deleted by XXXX)XXXX  Credit Dispute Results (Regarding Capital One):Account # − XXXX* The results are: We verified that this item belongs to you. THE FOLLOWING FIELDS HAVE BEEN MODIFIED: *CHARGE OFF AMOUNT *ADDITIONAL INFORMATION *ACCOUNT HISTORY. Account # − XXXX* The results are: We verified that this item belongs to you. THE FOLLOWING FIELDS HAVE BEEN MODIFIED: *ADDITIONAL INFORMATION *ACCOUNT HISTORY. Account # − XXXX* The results are: This item has been deleted from the credit file.
Consumer complaint received 2018-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

Capital One close my account with absolutely no notice to me. They have over {$700.00} of my money in the checking account. When I called them to inquire as to how I could access my available funds they told me I would not be able to access my funds until the account is fully closed and that could take up to 90 days. I asked him if I could go into a branch and withdraw my funds and they told me that I could not that I would have to wait until the account is fully closed and then they would send me my money