davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (IA)

On XX/XX/XXXX a visual verification was completed at the XXXX, XXXX branch office. The visual verification occurred as a result of reported fraud by us. When the visual verification took place, it was confirmed by the brank manager there were no pending transactions on our account. Information was provided to us on the balance of the account with confirmation of the balance being {$8100.00}. This represented the current balance of the account with confirmation no pending transactions existed. 

Pending transactions can be seen online and noted as pending. We verified this with the branch manager who again confirmed there were no pending transactions on XX/XX/XXXX. 

Wells Fargo alleges there was a wire that had been initiated on XX/XX/XXXX. However, given our account was frozen at the time this alleged wire was initiated and the fact that the branch manager, a XXXX employee of Wells Fargo , confirmed there were no pending transactions, how could a wire have been initiated? This is a operational and procedural oversight by Wells Fargo that resulted in Wells Fargo taking money from our account that was unauthorized. Wells Fargo had knowledge of fraud on our account, notification by us of the visual verification and confirmation by a Wells Fargo branch manager on XX/XX/XXXX that no pending transactions existed. Money is owed to us as a result of false information being provided to us by a Wells Fargo.
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My name is XXXX XXXX XXXXI 've been fight the credit bureaus for the last 3 years I was in a data breach with XXXX. and XXXX XXXXXXXX who ever the person is they have my social security number and they still use my social security number apply for things. Mess my credit up..
Consumer complaint received 2023-10-09
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I'm trying to manage my debt and lower it. My income drastically reduced from $ XXXX a year to $ XXXX a year. I don't have anything left except debt and a car payment. My household expenses are as long as I can go. I do not own a home, I rent. I'm trying to get out of debt. I have balances left with 5 cards. To reduce my debt to income ratio I need to paydown my debt. I am maxed out. Capital One and XXXX XXXX are charging 28 % interest. They have just posted they made XXXX XXXX dollars revenue this year. I am just asking for 6 months to help me out and eliminate or reduce my interest rate so I can pay down my principle. I have made ON TIME payments more than minimum for the past 7 years and paid off them multiple times. I have found myself NOT paying down ANY principle. I'm trying NOT to use my cards. I have called each one of my credit card companies to work with me at least temporarily for 6 months to a year to reduce my interest rates so I can get my principle paid down. XXXX and my bank XXXX did, but Capital One and XXXX both said UNLESS I pay late and go to collections, hurt my credit, they won't work with me. They would rather help people in trouble then help someone like me responsibile and charge me exorborant interest rates to pay for those who don't. This is UNFAIR practice. Please help me.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

My identity was stolen someone used my information to open a credit card by the name XXXX XXXX XXXX AND THE DEBT AMOUNT WAS SENT TO DEBT COLLECTOR BY THE NAME OF PORTFOLOIO RECOVERY ASSOCIATES ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX PHONE NUMBER XXXX
Consumer complaint received 2023-09-20
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NV)

On XX/XX/XXXX I tried taking out money from HSBC bank in XXXX XXXX. While trying to withdraw funds the machine only dispensed {$200.00} pesos ( {$10.00} dollars ) and charged me {$7000.00} pesos ( equivalent to {$420.00} dollars ) in atm fees, plus a tax fee of {$1100.00} pesos. Which I understand I would get a fee to withdraw from a foreign atm due to my debit card being from the United States! But upon trying to get my money back from HSBC or my trying to get this resolved thru my Own bank XXXX XXXX XXXX XXXX XXXX help me XXXX get this straighten out. They keep referring me to each other get this resolved. I really need something to be done
Consumer complaint received 2024-04-29
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. (CA)

I live in XXXX XXXX and while on a trip to XXXX had paid for a one day pass. Later on XX/XX/year> XXXX XXXX  began charging me for a membership at the XXXX XXXX branch. Initiation and monthly charges. I googled XXXX XXXX and found out that over XXXX fraudulent charges were made by the same person I saw at the XXXX XXXX branch. I told Citibank XXXX XXXX XXXX that I never signed anything for membership. They removed all XXXX XXXX charges and told me they would investigate. Eventually Citibank reinstated all my charges and sent me a fraudulent membership document with a different signature than mine. I told Citibank and they moved my dispute to the Fraud department. Meanwhile for the second time Citibank canceled my account and reissued a new one for me. The second was because Citibank gave XXXX XXXX my new account number after telling me not to. I wrote to XXXX XXXXXXXX XXXX as well as other officers after no one from branch would respond to me. Never heard from XXXX XXXX. My fraud entries that were put on my Citibank app disappeared the day after I finally got a call from someone at XXXX XXXX accounting who told me she would correct this problem and I would have no following charges. I just called Citibank credit card fraud/security department and they told me that my case went back to the dispute department which I was told was NOT what my case was since fraudulent documents were created and not a billing dispute. None of this makes sense. Citibank is now not being helpful or offer any information. 
All charges from XXXX XXXX started XX/XX/year> including additional initiation and monthly charges in XX/XX/year> with monthly charges to present.
Consumer complaint received 2024-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc. (DC)

I called BSI Financial Services to discuss an error at closing by my title company which caused me to overpay into escrow. From my XX/XX/XXXX closing through the XXXX due date for XX/XX/XXXX property taxes, I had been paying into my escrow account with the understanding that I would be paying that tax bill. However, due to the timing of the creation of the tax ids for my new construction condo, I am not responsible for the first tax bill which was paid by the developer. 

I will have to write a check to correct for the error at closing and assumed my overpayment to escrow would be repaid to me by BSI Financial Services. I have made several phone calls to BSI Financial where they indicated to me that an escrow analysis was underway and that I should call back " next week '', " in a couple of days '', " after XX/XX/XXXX '' depending on the customer service person. Today, XX/XX/XXXX, I called and was told that they determined that no escrow analysis will be completed. I have paid + {$4000.00} plus into escrow for a tax bill that I will not be paying and BSI Financial intends to hold on to those funds until at least XX/XX/XXXX.
Consumer complaint received 2024-04-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (NV)

Ally Bank XXXX XXXX XXXX Account : XXXX - Missing financial trades and missing account balance. Missing transfer activity from XXXX Account into XXXX account. 

Holdings of XXXX missing from all devices. 
Overall account balance is missing money. 

Verified on numerous occasions and devices. Contacted Ally Bank numerous times regarding this issue to no avail, spoke with XXXX ( investment ) who was not helpful. 

Account XXXX reports {$73000.00} however correct balance should be approx ( depending on investments returns on XX/XX/2024 ) {$74000.00}. No explanation provided from Ally Bank investments. 

This account trades regularly so not having access to my account and incorrect balances will cost me money. 

Additionally Ive screen captured my account on numerous devices displaying no trades, no holdings, and incorrect balance however do not want to attach them to this complaint for security purposes.
Consumer complaint received 2023-11-14
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. (NC)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XX/XX/2023 XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Number : XXXX
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I XXXX XXXX am writing this letter concerning the following XXXX Capital One accounts : XXXX, XXXX & XXXX. I, XXXX XXXX have the right to make sure my private information is not shared on the platforms of reporting agencies. Capital One is in violation of XXXX CFR XXXX ( a ) ( 1 ) ( i ) ( ii ) ( iii ) ( iv ) and ( 2 ). Capital One disclosed my non-public personal information to non-affiliated third parties which includes XXXX, XXXX and XXXX. Capital One did not provide initial notice of disclosing my information as required by XXXX XXXX XXXX. Neither did Capital One provide me with an opt-out notice as required by XXXX CFR XXXX. Certainly, I was not given a reasonable opportunity to opt out before my non public information was shared with the non affiliated third parties. Firstly, Capital One must prove that XXXX, XXXX and XXXX are affiliated third party companies. Secondly, Capital One must prove that I XXXX XXXX was given initial and opt out notices before my non-public personal information was shared with XXXX, XXXX and XXXX and provide proof that I had a reasonable opportunity to opt out. If Capital One fails to provide documentational proof, it is a clear violation and non compliance of the Limits on disclosure of nonpublic personal information to non affiliated third parties. As a result, Capital One should IMMEDIATELY desist from sharing my non-public personal information to non-affiliated third parties such as XXXX, XXXX and XXXX. XXXX XXXX, Without Prejudice.
Consumer complaint received 2023-05-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Self Financial Inc. (IL)

XXXX LA HAS IGNORED MY RIGHT AS A CONSUMER TO EXERCISE MY RIGHT TO OPT-OUT OF ANY AND ALL SHARING OF MY INFORMATION. I HAVE SENT THEM THE LAWS THAT ALLOWS ME AS A CONSUMER WHICH ARE ; 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 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. 
2 ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. 
MY STATEMENT THAT I SENT TO THEM WAS THIS ; Per ; the FCRA as a FEDERALLY PROTECTED CONSUMER, I am now OPTING-OUT of any and ALL AUTHORIZATION, I the CONSUMER may have given you, WRITTEN, UNWRITTEN, VERBAL, and NON-VERBAL, PER ; 15 US CODE 6802. Effective Immediately! 
( FYI : PRIVACY ACT OF 1974 )
Consumer complaint received 2023-12-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (KY)

On Saturday XX/XX/XXXX I went into the PNC bank XXXX at XXXX XXXX XXXX XXXX Ky XXXX. I initially dealt with a cashier named XXXX and then a manager named XXXX XXXX. I was trying to exchange a XXXX dollar bill that had become ripped. I had the complete bill and they refused to exchange it because they said that they could not read the entire serial number from both sides. There is only XXXX letter for XXXX side of the serial number that is slightly obscured. I have the image of the bill. They attempted to tape my bill and suggested that I let them tape it and then I take it to a store to spend. When I questioned this and asked what would the store do with this bill and told them it was absurd they refused still even after I mentioned the rules stating only 50 % of the bill is required according to government websites.
Consumer complaint received 2023-05-06
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 — Investigation took more than 30 days
Company: Synovus Bank (TX)

in accordance with the fair credit reporting acct XXXX has violated my rights 15 USC 1681 section 602 states that i have rights to privacy. 15 USC 1681 Section 604 A section 2. it also states a consumer reporting agency can not furnish a account without my written instructions. 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 2024-04-09
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. (GA)

This Collections validity is in question and is illegally reporting on my credit report, violating my privacy, and HIPPA law, and. Please remove this from my consumer reports or you are opening yourself up to litigation. 

XXXX XXXX XXXX {$750.00} XXXX
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc. (TX)

National Credit Systems has reported an account to my credit report. I have NEVER had an account with National Credit Systems. 
I have not supplied proof under the doctrine estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist Therefore I am it being removed IMMEDIATELY from all reports
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-09-20
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. (TX)

I AM VERY UNSATISFIED WITH TRANSUNION THEY SAY THAT THEY SEND OUT A STATEMENT DO THEY HAVE NOT SENT OUT ONE THEY LIED TO SAY THEY WAS DOING INVESTIGATION ON THE DISPUTES THEY HAVE NOT DONE ANYTHING NO SENSE ANY INFORMATION I HAVE REQUESTED THEY KEPT DENYING MY REQUESTS AND DISPUTES I AM ASKING DID THEY OPEN THIS CASE CONCERNING THE DISPUTES WITH TRANSUNION they said they sent out letter to me they have lied and continuously lying perjury on government document
Consumer complaint received 2023-08-03
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (TN)

I was purchasing a car through US Auto. I was told that Westlake financial had taken over. There is no contact or a title to get if I continue paying. I could not get any answers from Westlake or anyone else. The car was repossessed on Sunday XX/XX/2023. I am without a car, and my money has went down the drain.
Consumer complaint received 2024-05-18
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: NAVY FEDERAL CREDIT UNION (GA)

I previously had a {$25000.00} credit limit for a cash rewards credit card with Navy Federal Credit Union. I unfortunately fell on hard times and navy federal ended up closing the card and charging it off. 

I made a lump sum payment of {$500.00} and set up a payment plan in XXXX XXXX for $ XXXX to satisfy the charged off debt. 

I'm cleaning my credit up so in the midst of looking at my credit report from XXXX, XXXX and XXXX I noticed that navy federal reported the same exact account TWICE on my XXXX and XXXX report. 

One shows a balance of {$24000.00} last reported on XX/XX/XXXX and the other shows a balance of {$24000.00} last reported on XX/XX/XXXX. 

Both of these are technically inaccurate as I paid them a {$500.00} payment in XXXX XXXX, but the balance reported in XXXX XXXX is {$24000.00} instead of the accurate balance which is {$24000.00}. 

I did not have XXXX different accounts with the same credit limit. I only had XXXX cash rewards account with them so it should not appear on my XXXX and XXXX report twice. That is inaccurate information and it's having an adverse effect on my credit report by showing I owe more debt than I actually do. 

I've tried calling their collections department to see if they can fix it, I've messaged Navy Federal Credit Union via their internal messaging system as well as disputing it through XXXX with no results. I'm not able to dispute it through XXXX yet or else I would. 

I'm asking that Navy Federal Credit Union please remove the duplicate reported accounts on my credit report and fix the actual reporting inaccuracy.
Consumer complaint received 2024-04-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

With regard to below complaint, I've been leaving messages XXXX XXXX XXXXXXXX, unable to reach this person. The rep, XXXX, requests more information, in which case, I need to know what information is needed.. As stated before, I've been leaving messages, unable to reach the rep... 

As explained in prior CFPB complaint, a close out check in amount of {$4200.00} was intercepted by another party while I was on vacation in XXXX of XXXX. A prior check was mailed, a stop payment placed on it prematurely by Capital One rep { s }, second check reissued while I was on vacation, sent via XXXX. Capital One rep by the name of XXXX requested I call, in which case, from past experience, Capital One reps leave a number to reach out but do not accept or return calls ... A message was left on, XX/XX/XXXX, no callback received.. last message left on XX/XX/XXXX. Please note, a prior Capital One rep, XXXX XXXX, left a number to reach out, a total of seven messages left, none returned ... .She claimed she can not return calls while CFPB complaint is in process, which appears to be a lie, calls were never returned, even after CFPB complaint { s } closed out ... .This may appear irrelevant ; however, it goes towards credibility., Further note, XXXX failed to send an affidavit, it was sent several years later, closed out, nothing further done in re.. Affidavit was closed out in error, Capital One reps refuse to reissue, despite their error in stop payment prematurely and failing to send affidavit when matter brought to their attention in XXXX of XXXX.