davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/21 I received a text message to call XXXX which said it was FROM : XXXX, prompting me to call and share my debit card information, social security number, and contact information. I was distracted and wanted to take care of any issue quickly so I gave my information, which now feels very foolish. 

This morning ( XX/XX/21 ) I received a similar text message from XXXX, instructing me to call XXXX or XXXX ... this is what made me realize that I had given my information to a scammer.
Consumer complaint received 2022-11-30
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: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX 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 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 2017-09-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BB&T CORPORATION (NC)

In late XX/XX/XXXX 2014 I had an incident where someone used my account for fraudulent purposes. A fake check was deposited into an account that I was a joint owner and withdrawn using a fake credit card at a local ATM. I immediately reported this incident on the day that it occurred to the local sheriff 's office. The sheriff 's office directed me to the city police since the incident occurred within the city limits. The matter was investigated and camera footage from the ATM and the bank was obtained. Those involved in this incident were not able to be found. A representative for BB & T by the name of XXXX contacted me and threatened to file charges against me! I was forced to pay BB & T the money even though I had nothing to do with the incident and filed the police report. I was the victim of fraud however the money was debited from my account and I had to pay the remainder of what was stolen from me by using my credit card. This was done with the assistance of XXXX XXXX at my local branch. XXXX made multiple phone calls to me and was very aggressive and abusive in her conversations to me. After paying all of what I was ordered to pay to the bank ( including insufficient funds fees due to an overdrawn account ) my accounts with BB & T were closed and my name has been flagged in their system as a customer who is never able to do any business with them again. This practice is not fair to me nor does it seem legal. Section 1036 ( a ) ( 1 ) ( B ) of the CFPA prohibits unfair, deceptive, or abusive acts or practices. 12 U.S.C. 5536 ( a ) ( 1 ) ( B ). These actions violate this statute.
Consumer complaint received 2023-05-24
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: CITIBANK, N.A. (CA)

I was contacted by Citi today regarding a previous issue that has been reported. We were unknowingly signed up for estatements. We don't do estatements never have and never will. Why? Because those will go often into junk email and will get overlooked or automatically deleted. 

Citibank states we signed up for estatements in XXXXXXXX XXXX XXXX. Neither my wife nor I signed up KNOWINGLY. They claim they sent an email indicating that we were signed up, again, if we UNKNOWINGLY signed up, we would never see that email because it would-likely go into JUNK email. 

We missed a single payment because of this. Did Citibank send out a letter indicating that we had missed the payment? They did now. Did they send out a letter asking if we meant to sign up for estatements? They did now. Sending an email that wouldn't get read is not doing their due diligence. 
What's more, they claim they made 10 calls to my cell phone to try and let us know about the late payment. This is the first time they have stated this. If they did ( and I have no missed calls from them. I have attached a call log for my phone that they " reached out '' to me. I have no messages from anyone at Citibank ( and the woman I spoke with today did not indicate WHY they would not leave a message which other credit card companies DO. I doubt that they called. Here is my call logs going back a month ) I am more than willing to provide Citi with a copy of voicemails left if Citi and CFPB would like to have them. There are NO MESSAGES from Citi and I have only 1 phone call that I received from them when it was 30 days past due. 

Citi should also have reached out by mail and should automatically do that whenever there is a problem reaching a customer. It's the right thing to do and they didn't do it. The lady I spoke with today had no reason why they wouldn't do that either. I had also indicated that, if we unknowingly had signed up for estatements ( and I don't believe we did-I personally believe that the department that handles that had someone in house do it for folks because they are being incentivized for it like many companies are ).
Consumer complaint received 2023-06-03
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. (NC)

On two accounts on my credit report, I have late payments due to having XXXX and I was unable to work. Therefore I was late making payments on time. I explained this to all 3 credit agencies but they denied my request to have them removed. The account are XXXX and XXXX XXXX. On XXXX I was late XX/XX/2022 and XXXX XX/XX/2022. I asks that these late payment be updated as pay as agreed and never late. 
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right 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 payment on a credit card account ur open end consumer credit plan as I purpose.
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: TD BANK US HOLDING COMPANY (NY)

Please stop contacting me via phone, fax, text, or email. All communication should be sent to me by USPS certified mail. Any other form of correspondence will be rejected or refused. 

TD BANK N.A. XXXX
Consumer complaint received 2023-05-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (KY)

On XX/XX/XXXX I was sent {$4000.00} via friends and family I then opened the PayPal account as soon as I accepted the money they immediately limited my account wanted my id after uploading before I could even complete it they permanently limited my account. Said funds would be available after 180 days they sent me messages via the message center with the date XX/XX/2023 my funds would be available. XX/XX/XXXX they refuse to release my funds still are telling me no information available. I just want my money
Consumer complaint received 2023-03-17
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: EQUIFAX, INC. (NJ)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX DP OF EDUC XXXX Balance Owed : {$6200.00} US DEPT ED XXXX Balance Owed : {$2800.00} US DEPT ED XXXX Balance Owed : {$6200.00} USDOEXXXX XXXX US DEPT ED XXXX Balance Owed XXXX {$2300.00} DP OF EDUC XXXX Balance Owed : {$3900.00} US DEPT ED XXXX Balance Owed : {$3000.00} DP OF EDUC XXXX Balance Owed : {$2400.00} DP OF EDUC XXXX Balance Owed : {$590.00} 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 XX/XX/2021
Consumer complaint received 2024-03-07
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: ENCORE CAPITAL GROUP INC. (CA)

Ok I have issue with midland credit mAnagement mcm I disputed that I needed to see the original certificate of indebtedness and the original contract with the three signatures that included the original creditor which is not mcm they never brandished anyone of them so my issue with XXXX is that they said they did their investigation and found that the info is correct first off it's 3rd party creditor mcm is so already since they discusses my personal info with the original creditor that's unlawful and breech of a fairytale contract that mcm and the alleged corporate fiction XXXX XXXX has with them so for XXXX to not recieve proof of a certificate of indebtedness and orinal contract is illegal unconstitutional and I not only am seeking the maximum monitary for damages and violations I want mcm collection off my record and XXXX to pay the maximum amount XXXX per violation I count XXXX
Consumer complaint received 2024-03-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to you in regard to the fraudulent accounts listed on my credit report. Upon reviewing my credit report, I was shocked to discover the presence of these unauthorized accounts, which have undoubtedly tarnished my creditworthiness and compromised my financial integrity. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-03-07
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. (MI)

i reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. i have never been late on payments for the accounts that i have included a screenshot insude the dates of XX/XX/year>, and XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided, i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached.
Consumer complaint received 2023-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

A check I issued and mailed in California to pay insurance was stolen and cashed fraudulently in Georgia. I filed a claim with my bank, and they claim they followed up but have not returned my money. They have closed the case. I believe my bank should reimburse me and then get reimbursed from the bank that negligently cashed the check. 

The bank is Chase Bank. A TV news report says they do this repeatley.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to formally dispute the reporting of a XXXX account on my credit report that I believe is incorrect and is being re-aged. The account is listed with a balance of {$7200.00}, and the date opened is XX/XX/XXXX. The most recent date reported is listed as XX/XX/XXXX, which reflects a significant discrepancy and appears to be an attempt to re-age the debt. I am currently in the process of disputing this debt, and it is being inaccurately reported, despite my dispute. 

The reporting of this debt raises serious concerns regarding my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that information on a credit report be accurate, up-to-date, and complete. By reporting the account with a date reported of XX/XX/XXXX, XXXX and TransUnion are effectively re-aging the debt. This gives the false impression that the debt is more recent than it truly is, and it extends the negative impact of the debt on my credit report, despite the fact that it is still under dispute. 

My Rights Under the FCRA : Right to Accurate Information ( Section 607 ) : The FCRA mandates that the information reported by credit reporting agencies must be accurate and complete. Reporting the date opened as XX/XX/XXXXXXXX  and the date reported as XX/XX/XXXX, which suggests recent activity, is an inaccuracy. This report misrepresents the status of the debt and gives the impression that it is newer than it is. 

Right to Dispute Inaccurate Information ( Section 611 ) : I am actively disputing this debt, and I have already communicated with XXXX regarding the incorrect information. The debt should not be reported as more recent than it is, nor should it be re-aged. 

Right to Delete Inaccurate Information ( Section 605 ) : If a debt is inaccurately reported, I have the right to request its removal. This debt is being reported as an open and active debt, and the date reported appears to be an attempt to reset the timeline, which I believe is a violation of my rights under the FCRA. The reporting of this account as re-aged is misleading and should be removed from my credit report. 

Request for Correction : I request that this account be corrected immediately. The date reported must be updated to accurately reflect the correct reporting period. If XXXX can not provide verification of this account 's current status or demonstrate that the debt is accurate and valid, I request that it be deleted from my credit report entirely. 

I also ask that TransUnion investigate this issue and ensure that all future reporting of this account is accurate, complete, and in compliance with the Fair Credit Reporting Act. 

Please confirm that this issue has been resolved, and provide me with a written explanation of any actions taken. If you require any additional information or documentation to process my dispute, please do not hesitate to contact me. 

Thank you for your attention to this matter.
Consumer complaint received 2023-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I paid my capital one car off in full on XX/XX/2023, which is before the due date. However, I was charged an additional interest of {$79.00}. I was told by the agent that this is interest accumulated over several months. Each month my statement showed I was already charged a lot of interest. I feel this is unfair to me and the credit card company is trying to get more money from their customers.
Consumer complaint received 2024-03-07
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: NAVY FEDERAL CREDIT UNION (AZ)

Im a home owner in a condo. My neighbor is deceased. His family has abandoned the property. Ive contacted my neighbors mortgage company Navy Federal Credit Union and they have refused to provide any assistance. I need someone from their mortgage company to come and secure the property. Assess the water damage and file an insurance claim for our shared wall. The only information I have is their name and address. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

There was credit refund check issued on XXXX XX/XX/year> for {$3300.00}, but i have never received the check and the bankers confirmed that Check has not yet cleared and they will re-issue the check or credit the amount to my checking account. This issue is pending for almost 3 months and i have called around XXXX times to resolve this issue and each time i have spent the time about XXXX hours including waiting on the the call to connect with customer care and now there is a balance to pay {$3900.00}, i have informed them that please give {$3300.00} as credit so that i can pay the remaining {$550.00}, if i do not pay # XXXX by XX/XX/XXXX, i will be end up paying interest rate + {$3300.00} even though Bank of america is holding my credit balance refund # XXXX from XXXX XX/XX/year> and this is not being resolved by them for almost 3 months even with XXXX different customer calls.
Consumer complaint received 2023-03-17
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: EQUIFAX, INC. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2017-07-16
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. (FL)

Identity Theft account opened under my name with   XXXX   XXXX  . I contacted the creditor and mailed over certified letters but I got no response back through the mail and my certified receipt was n't signed back and sent to me. I 've been waiting for   XXXX   XXXX  , Equifax,  XXXX ,  XXXX  to send me any verifiable documents showing my name, or signature and they have n't for more than 45 days ago. I am truly fed up with these companies. I have several fraudulent accounts listed on my credit report on all   XXXX   credit bureaus. I have no acknowledgement of these accounts and I 've been alerted by credit karma that my score has been declining, and the accounts we 're opened without my consent.
<P/>
Equifax 1.   XXXX   XXXX    XXXX  accounts 2.   XXXX   XXXX   3.  XXXX  4.   XXXX   XXXX   XXXX   5.   XXXX   XXXX   6.   XXXX   XXXX    XXXX  1.   XXXX   XXXX   2.  XXXX  3.   XXXX   XXXX   XXXX   4.   XXXX   XXXX    XXXX  accounts  XXXX  1.   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   XXXX   3.  XXXX  4.   XXXX   XXXX   5.   XXXX   XXXX   6.   XXXX   XXXX
Consumer complaint received 2023-06-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am deeply distressed and alarmed by the current state of my credit record and my overall situation. This ordeal is not only incredibly embarrassing but also clearly a result of either your actions or the corporation 's negligence in disseminating inaccurate information.
Consumer complaint received 2017-07-16
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: The Bureaus, Inc. (FL)

Identity Theft account opened under my name with   XXXX   XXXX  . I contacted the creditor and mailed over certified letters but I got no response back through the mail and my certified receipt was n't signed back and sent to me. I 've been waiting for   XXXX   XXXX  ,  XXXX ,  XXXX ,   XXXX   to send me any verifiable documents showing my name, or signature and they have n't for more than 45 days ago. I am truly fed up with these companies. I have several fraudulent accounts listed on my credit report on all   XXXX   credit bureaus. I have no acknowledgement of these accounts and I 've been alerted by   XXXX   XXXX   that my score has been declining, and the accounts we 're opened without my consent. Inaccuracy, Fraudulent, major errors  XXXX  1.   XXXX   XXXX    XXXX  accounts 2.   XXXX   XXXX   3.   XXXX   4. The Bureaus Inc 5.   XXXX   XXXX   6.   XXXX   XXXX     XXXX   1.   XXXX   XXXX   2.   XXXX   XXXX   3.   XXXX   XXXX   XXXX   4.   XXXX   XXXX     XXXX   accounts  XXXX  1.   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   XXXX   3.  XXXX  4.   XXXX   XXXX   5.   XXXX   XXXX   6.   XXXX   XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trades Commission and i also enclosed copies of the Federal Trades Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.