davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (MD)

I have had a savings account with TD Bank for many years. The account balance was {$1200.00}. This money was kept just as savings with very little activity. In XX/XX/2022, I received a paper statement from TD indicating Account Closed, Escheated. I received no advance or warning phone calls or emails or other forms of notification that my account would be closed because of inactivity. 

I had a similar problem with this account several years ago and went to a local TD branch. At that time TD officials committed to set up the account to have a XXXX deposit periodically made to ensure that the required account activity continued to avoid closure of the account and turning its dollars over to the state. Because of these assurances by TD officials I did not thereafter concern myself with account activity. Nor did TD officials ever contact me to alert me that the terms of its original commitment to me had been altered -- and that I must now assume the burden myself of maintaining regular account activity. My reliances on TD Bank 's assurances led to my account being closed.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

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 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 2017-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (OH)

I have received MANY credit card offers over the years from  US BAN K and never accepted them. In  XXXX  of   XXXX  , I got an offer for our business with a cash back bonus o f $ 500.if you s pend {$4500.00}. within the first 150 days. I applied and got accepted. By the time I got my  XXXX  statement, I had already spent {$4900.00}. At the beginning of  XXXX , I called because I had not seen my bonus yet. The person I spoke to  at US  BANK looked over my account and did n't understand why I did n't get it either and she said she will send my complaint t o one of their  departments and have someone get back to me.   Today (  XXXX   XXXX ,   XXXX   ) I received a letter in the mail stating that I do n't qualify for the cash back bonus because the charges needed to be done by the Authorized Officer only and not by any Authorized Employees.. I got out ALL of my paperwork and the original offer they sent and I do not see anywhere in this paperwork where it says that I had to make all the purchases. I have had and used numerous offers over the years with different banks and this is the FIRST time that I have ever had something like this happen. To me, this is FRAUDULENT advertising and it does n't look like there is anything I can do about it.
Consumer complaint received 2023-06-14
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: EQUIFAX, INC. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2017-05-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (MD)

I have  a Macy 's store  credit card provided by Citibank. I used the card i  n  XXXX  2016, a  nd paid off the balance in full. Several months later, I received an email that a statement was available online. When I checked the statement, I saw that I had {$6.00} in " minimum interest '' charged on an account with  XXXX  balance. I was also informed that my account was several months past-due for this interest charge. I figured this was my mistake, so I paid the {$6.00}. Last week, I checked my account again and found there was an additional {$2.00} in " minimum interest '' charges. I know it 's a small amount of money, but it 's ridiculous that I am being charged interest on a card that I have not carried a balance on in almost a year. I have closed my account with them, but did not pay the {$2.00} charge.
Consumer complaint received 2022-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been a Bank of America client for XXXX yrs. At the end of XX/XX/XXXX fraudulent withdrawals began to occur from my five linked accounts. First noticed in XX/XX/XXXX, filed first claim in XXXX and the first money given back, {$20000.00}. I was told in XXXX that it would be given back to me in 45 days, XXXX and a half months later in XXXX I received a check, for {$20000.00}. We have filed a total of $ XXXX in claims with the bank. I received a letter stating that in addition to the initial payment of XXXX they have another {$47000.00} of which I have been paid only {$9700.00} ( 20 % ) of the {$47000.00}. The other {$70000.00}, although we filed these claims, the bank has not even mentioned those filed fraud charges. Both myself and my assistant from the bank realize the bank is stalling. We also can not get the information from an account which we closed. The bank is dragging their feet and I did not who to turn to. Please help me. 
Thank you in advance, XXXX XXXX XXXX XXXX XXXX XXXXXXXX P.S I am trying to leave completely from B of A. I have moved to another bank.
Consumer complaint received 2018-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (CA)

Company : Security Credit Services Amount : {$1700.00} Dispute Letter Send Out XX/XX/2018 Security Credit Services trying to collect on a debt I Do Not owe. I disputed this account immediately with the credit reporting bureaus in XX/XX/2018 as not mine. I only notice because it showed on my Credit Report. I have never heard of or know of Security Credit Services or the company affiliated with them such as XXXX and XXXX. Around XX/XX/2018 I was notified that Security Credit Services had reported on my credit reports and the original creditor was XXXX. I received a collection letter from XXXX showing XXXX XXXX XXXX as a Ceditor and claiming I owed the debt so I requested a Debt Validation to supply me with the original contract with my name on it. Security Credit Services and/ or XXXX XXXX, XXXX is ruining my credit and I am simply tired of having them re-selling this fraudulent debt to a third party debt collector. I have NO Knowledge of this debt and have never opened an account with XXXX and they are listing this fraudulent account as mine. I have since filed an Identity Theft report against this fraudulent account against XXXX XXXX , XXXX, Security Credit Services, and XXXX with the Federal Trade Commission. 

Note : An attempt to contact Social Security Service by phone at ( XXXX ) XXXX was made on XX/XX/2018. Call was not answered and a message was left with the answer machine.
Consumer complaint received 2018-10-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Cottonwood Financial Ltd. (TX)

I was told at in store in XXXX that they would not automatically take it out of my account that i had a choice to come in and pay l. I asked them before they linked my card and they said yes maam we will not automatically have it tooken out of your card and today they called me telling me that they would take it out of my account tomorrow without my authorization. Without me saying yes which i found disrespectful. So now my account is going to be in a negative because they are taking out of my account instead of letting me pay them the date i said i could
Consumer complaint received 2017-03-29
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Convergys (GA)

I have asked numerous times not to be contacted by Encore and that they only communicate with me via US Mail. The company is contacting me several times a day via a Robo dialer. When I answer the phone they often hang up on you. The calls are originating from a call center in XXXX. I keep being told they will no longer contact me on my company cell phone but they still do. The debt collector often states they are on a recorded line but will not identify themselves until they try and verify all the personal information. I told them they were not authorized to contact this number.
Consumer complaint received 2017-05-12
Product: Credit card or prepaid 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: DISCOVER BANK (GA)

Hello, These are charges I did not make, did n't receive anything from and I have no knowledge of :  XX/XX/17    QT   XXXX   XXXX   GA REVERSAL OF TEMPORARY CREDIT Merchandise {$44.00}  XX/XX/17      XXXX   XXXX   XXXX   XXXX  E #  XXXX  TX REVERSAL OF TEMPORARY CREDIT Merchandise {$45.00}  XXXX / XXXX /  XXXX     XXXX   XXXX   XXXX   XXXX   #   XXXX   XXXX    XXXX   XXXX  OF TEMPORARY CREDIT Merchandise {$42.00}  XX/XX/17     XXXX    XXXX   TX REVERSAL OF TEMPORARY CREDIT Merchandise {$38.00}  XX/XX/17      XXXX   XXXX   XXXX   XXXX   #  XXXX  NM REVERSAL OF TEMPORARY CREDIT Merchandise {$54.00}   XXXX     XXXX   XXXX   XXXX   XXXX   #  XXXX   XXXX  AZ REVERSAL OF TEMPORARY CREDIT Merchandise {$53.00}  XX/XX/17     XXXX   XXXX  TX REVERSAL OF TEMPORARY CREDIT Merchandise {$360.00} They tell me to call fraud dept. and I do and they say I 'm not liable then charge me again and tell me to call fraud dept. and that I 'm not liable, charge me again, tell me to call fraud dept. etc.     This happens to be a secured card so it 's even more important to me that my balance be correct before I close it forever.     Thank you.    XXXX   XXXX
Consumer complaint received 2017-05-12
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 (PA)

There are  Credit repor ting agencies reporting inaccuracies on my credit report. After I disputed the information asking for more information, it was n't provided to me. An address that I never resided at is on my credit report. Suggesting that along with the unknown address there are numerous accounts on my credit report that were not opened by me. I 've asked all the credit bureaus to look into to the disputed information and correct all the inaccuracies, but nothing has been done. This information is hurting my  credit score a nd credit report, and is holding me back from doing things that I need to do.
Consumer complaint received 2017-05-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: General Motors Financial Company, Inc. (KY)

I filed bankruptcy in   XXXX   Chapter  XXXX . It has since been discharged.  General Motors c alled my lawyer and we arranged a day to pick up the  XXXX  as I surrendered it in the bankruptcy. They picked it up  XXXX . My husband filed chapter  XXXX  who was also on the loan with me. 2 months later they called and demanded he pick up the vehicle at the towing lot that day. We called and asked why they said it was ours pick it up or it will be surrendered to the towing agency. Now on  XXXX  they send a towing company to my old address asking for me and demanding the vehicle. Then they come to our present address and speak to my husband and demand to only speak with me. He was talking to him through the screen door the repo man attempted to open my door to yell in the house for me. He would not speak to my husband who is the only responsible party for the vehicle as my chapter  XXXX  had been discharged. He told him that I would be responsible for the visit fees the repo fee and towing fees and that he needed to explain this to me before he would leave.he also stated that this would not go away it would be added to the total I owed GM after they found the vehicle and took that I was just racking up fees to pay. I know that after chapter  XXXX  I am not legally in no way responsible for this vehicle, I can not be billed for it and I ca n't be threatened with legal action and fees because I filed Chapter  XXXX  and it was discharged. This company harassed people at my old house harassed my husband and threatened me.  XXXX  broke the law. The repo man works for them and it is their responsibility to ensure they are doing the right thing.
Consumer complaint received 2022-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under the 15 U.S.C 1681. 

XXXX  account number as follows : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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 a account without my written instruction.

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 items 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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (FL)

Recently, I was sent over to Westlake portfolio from American car center. When they did this exchange nobody had registered my vehicle. I spoke to the DMV XXXX XXXX and was instructed to get my lease agreement from West Lake portfolio in order to register my vehicle when I called Westlake, they have no lease agreement on my vehicle. Instead, they send me an Fauls agreement with the wrong vehicle on it ive asked them several times to please come up with the right agreement in order to register my vehicle so I can drive it. Ive been getting run around for about two months. They still have not sent me the correct form. They are also charging me {$30000.00} for a XXXX  XXXX XXXX, but according to my bill of sale, the car is sold at {$21000.00} which was agreed-upon
Consumer complaint received 2023-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX is displaying zombie debt that is not mine. XXXX and XXXX have not provided information to go into arbitration for long standing account insurance company paid and closed.
Consumer complaint received 2017-05-13
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TRANSWORLD SYSTEMS INC (FL)

Transworld Systems Inc.  sent me a letter after I had sent them a written request not to contact me again in any form.  Transworld Systems  proceeded to send me a letter after they received my cease and desist letter. T ransworld Systems  flagrantly violated the  Fair Debt Collections Practices Act  with their communication after receiving my written demand not to contact me in any form.  Transworld Systems  is flagrantly violating the  F  air Debt Collections Practices Act .
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am sending this complaint to dispute the presence of fraudulent accounts on my credit report, which have persisted despite previous requests and confirmed documentation of identity theft. It is my understanding that failure to comply with the law by removing these fraudulent accounts constitutes a violation of regulations governing credit reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX 

I request an immediate investigation into these accounts and their removal from my credit report in accordance with legal requirements. Your prompt action in resolving this matter is appreciated.
Consumer complaint received 2023-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I called the credit reporting agencies letting them know the inquiries are unauthorized/ not supposed to be visible on my consumer report. Never gave them permission or consent to report these unauthorized accounts. This is Aggravated Identity Theft 18 U.S. Code 1028A XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-22
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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

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 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 XXXXXXXX, 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 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 2022-12-01
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One Auto Finance acct # XXXX vin # XXXX, acct # XXXX vin # XXXX, Capital One Auto Finance violated my consumer rights by : failing to furnish all required proper disclosures ; failing to include the sum of ALL charges to the finance charge ; failing to allow me the right to rescind with a " No Cooling Off '' period ; failing to correct billing errors ; sharing my personal and private information to third parties without my expressed written consent ; falsely representing the amount of the alleged debt ; falsely representing details of the alleged debt to third parties ; not disclosing all required information and disclosures ; not clearly and conspicuously disclosing my consumer rights regarding the financing, finance charge and/or any details involving the financing charge ; willingly and intentionally withholding information from me, the consumer, in an attempt to defraud and/or misinform me ; repossessing the vehicle vin XXXX and knowing that the alleged debt amount and account accuracy was incorrect.
Consumer complaint received 2023-03-03
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I never authorized them to take out this money and they went into my bank account and took the money out I tried to relog in to my XXXX  account and they changed my password my everything on there that I can't even go into my account to see what happened or to see what money is still in there nothing and the bank is saying that they can't help us due to the fact that it was their account and it was logged in you know with our bank so they are saying that it isn't fraud well it is fraud because it wasn't me I never authorized these transactions and they were still taken out and I have been robbed please help thank you.
Consumer complaint received 2017-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: NAVY FEDERAL CREDIT UNION (VA)

XXXX XXXX {$400.00} NFCU My now wife and I took a trip to XXXX as to where I would propose to her. During this time I had $ XXXX CL card with NFCU. While we were there, I made a purchase for the hotel room and all was fine, until 2 days later. We decided to stay another couple of days and I attempted to pay for my extra days .... They locked my card completely out of the blue. Because of this happening I now was stuck in XXXX with no money nor gas ... And we had our XXXX kids with us ages XXXX and XXXX. I was forced to drive to a NFCU about 2 hours away to simply provide them a picture of my ID. This happened twice in 3 months where my card was randomly locked and completely frozen. I have been receiving calls threatening to report me in an attempt to collect the debt owed on this card ... If I am correct that is not legal.