davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (NJ)

XX/XX/XXXX, XXXX credit card was charged {$5800.00} I have been trying to remove this charge since the day it occurred and it is now XX/XX/XXXX. 

I was on the phone with TD Bank WHILE the charge occurred. An email was sent at XXXX XXXX that day that the phone number for security had been changed on my account. I found it at the end of the work day and called them at XXXX XXXX. 

Original dispute request # XXXX was declined, reason given is it is a chip on chip transaction and therefore the card was present. 

Second request # XXXX was auto-declined, reason given is that this was a previously resolved case and duplicate claims are auto-declined. 

Most recent dispute request # XXXX Filed on XX/XX/XXXX. The TD bank representative who filed it stated it was " a shot in the dark '' because it would likely be auto-declined again. 

I called one more time after that and confirmed there is a note from XX/XX/XXXX that a card was printed at the branch that day. The person impersonated me at the TD Bank in XXXX XXXX, changed the online password, created a checking account in my name, changed the phone number on my account, and had a credit card printed. 

They then made a purchase at XXXX {$5800.00}, the charge was cleared by someone at TD Bank in XXXX XXXX WHILE I was on the phone with TD Bank asking about the email. 

I also got a letter from my employer verifying that I was at work that day. I see clients and our system can confirm that I was in appointments at that time.
Consumer complaint received 2023-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (OR)

For the past XXXX  years Wells Fargo took advantage of me in every possible way. They actually overcharged me on many different levels and when covid 19 came XXXX XXXX was forvced closed. 

As a XXXX XXXX who got no help. I was hoping Wells Fargo can actually look back and care what was over charged as now i have a child and we are dirt poor and need that money. 

I have any statements and can provide insight but im in XXXX Oregon and me and my child hope they choose to review back to 1995 or any year.. 

We were good clients we need help. Thank you Accounts Processing thefts of another XXXX dollars XXXX Savings accounts XXXX and credit cards XXXX Account XXXX XXXX XXXX XXXX hot tubbing or tub and tan all the account i was made o get like XXXX or XXXX accounts at that time.. i maybe have XXXX in fees.. total..
Consumer complaint received 2023-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO. (NV)

They wrongly cancelled a current card for an inquiry on a charge not for fraud it has approximately 6 months multiple attempts to get a replacement card with no effect despite being up to date on payment and is effectively destroying my startup business as a can not effectively operate with the XXXX i need to put on the card
Consumer complaint received 2023-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC (MN)

I am requesting that Genesis FS Card Services immediately close my Milestone Mastercard Credit Card Account # : XXXX. I dont want the Milestone Mastercard Credit Card Account XXXX I want my Milestone Mastercard Credit Card immediately closed and I want Genesis FS Card Services to delete and remove my personal information from their records database and send notification to XXXX XXXX, XXXX and XXXX to have XXXX XXXX, XXXX and XXXX to immediately delete and remove the Milestone Mastercard Credit Card Account from my XXXX XXXX, XXXX and XXXX credit report. Full Name : XXXX XXXX XXXX, DOB : XX/XX/, SSN : XXXX
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-08-17
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. (CA)

Accordance with the Fair Credit Reporting Act, the list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. '' First Investors got a copy of my Experian Credit Report. 
XXXX XXXX XXXX got a copy of my Experian Credit Report. 
XXXX XXXX got a copy of my Experian Credit Report. 
XXXX XXXX XXXX XXXX got a copy of my Experian Credit Report. 
I told them to not run my credit report, I already got pre-approved through Golden 1, which the salesman had verified.

15 USC 1681 section 602A. states I have the right to privacy. 15 USC 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 USC 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 7 years. 15 USCs - 2 ( A ) ( 1 ) : A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2018-10-18
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. (UT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX are currently double reporting on the same debt. Not only are they double reporting, XXXX XXXX XXXX, is also included in my Bankruptcy discharged docket # XXXX. This is in clear violation of the Bankruptcy Law Act.
Consumer complaint received 2017-03-29
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (TX)

I setup a direct automatic draft payment, from my checking account, to pay my Macy 's XXXX Inc. Credit Card in full every month. Macy 's would pull my full bill directly from my checking account. I setup this payment method around 4 years ago. 

In XX/XX/XXXX, I used my Macy 's credit card. Macy 's apparently dropped my automatic draft payment agreement without any notice. According to Macy 's my automatic draft agreement expired without my knowledge. Macy 's made no attempt to contact me to let me know they were no longer pulling the funds to pay my bill. 

They did not send any correspondence to my home address. They claim to have sent statements to my email address. I reviewed my Macy 's Credit Card Account and found no information from Macy 's about my automatic draft expiring. It was n't until XX/XX/XXXX did I receive a paper statement in the mail showing that I was 60 days past due. I immediately called Macy 's and paid the bill in full. Macy 's had already submitted a 30 day and a XXXX delinquency on my credit report. I asked Macy 's to remove this delinquency. They removed the overpayments but refused to fix my credit report. I had an XXXX Fico score prior to this discrepancy and now my XXXX score is down to XXXX. 

Macy 's XXXX Inc. failed to provide any form of notification that the automatic draft payment expired. They allowed my account to go delinquent without any proper communication.
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Express Recovery Services, Inc. (UT)

Express Recovery is reporting several collection accounts that I need removed. I have settled this debt with you and ask that you please remove these accounts from my credit file. As granted by the Fair Debt Collection Practices Act, I have the right to dispute this account. I am aware that your company has the ability to report this account to the credit bureaus as you deem necessary. Furthermore, you have the ability to remove any accounts since you are the furnisher. I have settled the debt with you and am now asking for you to provide a letter to the bureaus stating this account should be removed from my credit file. Please provide a letter from your company agreeing to the terms. This letter should be signed by an authorized agent of Express Recovery. If I do not receive your postmarked response in 30 days, I will have no alternative but to exercise whatever rights and remedies we have under to the law to enforce the removal, including but not limited to institution of legal proceedings against you.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am writing to express my extreme frustration and disappointment with XXXX XXXX XXXX, which I believe are in clear violation of the Fair Credit Reporting Act ( FCRA ). My ordeal with this service began on Thursday, XX/XX/XXXX, at XXXX XXXX, when I submitted a request for my credit report. It has now been 10 days since that initial request, and I have yet to receive access to the information I am legally entitled to under the FCRA. 

The FCRA clearly stipulates that credit reporting agencies are obligated to provide individuals with their credit file information upon request once a year. I have been diligent in my efforts to obtain this information by repeatedly contacting early warning services. Despite providing proper identification, including a picture of my passport and Texas driver 's license, I have been met with nothing but obstacles and a complete lack of cooperation. 

To make matters worse, early warning services closed my login information without any prior notice or explanation, leaving me unable to reset my password or access my credit report. This action has resulted in an extreme financial burden, as I am now unable to monitor my credit and make informed financial decisions. 

It is abundantly clear that early warning services have not only failed to fulfill their legal obligations under the FCRA but have also caused significant harm to my financial well-being. I demand immediate resolution of this matter and access to my credit report as mandated by the law. Furthermore, I expect a thorough investigation into the mishandling of my request and the breach of my personal information, as this is a serious violation of my rights as a consumer. Failure to address these concerns promptly will leave me with no choice but to seek legal action to rectify this situation.
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC. (NY)

Regardless of the multiple written requests, the unverified accounts and inquiries listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX XXXX XXXX Balance {$4600.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2022-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CUSTOMERS BANCORP, INC (MN)

On XX/XX/XXXX, I received notice from XXXX XXXX that a hard inquiry was done on my credit with XXXX. I checked right away because I had nothing to warrant an inquiry. I saw a loan on my credit, it is with XXXXXXXX XXXX XXXX  for {$16000.00}. I immediately called them and told them it was not my loan, I never applied for a loan. That was a XXXX ago, I've been calling and emailing. I've been transferred and put on hold constantly. I froze my credit, filed a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I completed the theft packet with all information, that has been faxed XXXX with confirmation. They say they've received nothing. The loan application, I found out just XXXX, after a XXXX of calling, does not have my phone number on it. The information on the application is not mine. The bank the loan/funds were routed to was investigated and determined to be fraudulent. That account did not have my SS # on it. So, the application itself had false information and the loan was routed to a bank that I don't bank at, an account that has since closed by the bank after being notified of the fraudulent loan. Each time I try to talk to anyone regarding the investigation, I get placed on hold, transferred and nothing happens. I gave them XXXX XXXX to provide me the applicant information, they have not done that. They've done nothing to resolve this.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I sent certified letters to each company on XX/XX/23, which I included identity theft affidavit and my identification, but each credit bureau is continuing to report fraudulent information on my consumer report. They have also added a fraudulent address attached to one of the accounts. Ive made each bureau aware that I was a victim of identity theft, but they continue to report inaccurately. Equifax straight out ignored my letter and supporting documents.
Consumer complaint received 2023-07-06
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (NC)

Citibank recently had to change the class of stock I hold in XXXX XXXX which did not require the mailing in or out of any stock certificates. This is not something I requested as it was done by the company. Because of this Citibank charged a fee for every share of stock held to electronically convert the class. I have XXXX shares and I believe Citibank charged {$0.00} per share to basically open my account, select all shares and change from one class to a different class. The total fee came out to around {$500.00} dollars. I can understand charging a nominal fee but there was no additional work done if I had XXXX shares or XXXX.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I had an account with Bank of America over fie years ago, and I was sent a fake check in the mail from someone claiming to be my supervisor from employment that I thought was real work/job. It turned out the whole gig was a scam and the check that was deposited, or attempted to be was not a real check in good standing. That caused the bank to close my account, even though it was no fault of mine. I had no knowledge of knowing this was a possibility at the time. When my account was closed, there was a balance left that needed attention. I went to the bank, and closed the balance out for approximately {$200.00}. Once I cleared the balance, it was supposed to be shown in my report that the balance was cleared and the account was placed in good standing. Now, it's XXXX and this occured in XXXX. It is still a run around for a bank and XXXX XXXX XXXX to get me a letter or some kind proof that this is a resolved issue amgonst time and my payment.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC. (CA)

Name : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX Account name : XXXX XXXX Date reported : XX/XX/XXXX In Accordance with the Fair Credit Reporting Act XXXX  Account 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 instructions
Consumer complaint received 2023-07-06
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. (LA)

In XXXX, I discovered inaccuracies on my credit report provided by Equifax. The report listed several accounts that I never authorized and was unfamiliar with. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies such as Equifax have an obligation to provide accurate information and conduct thorough investigations when discrepancies are pointed out. 

Upon finding these inaccuracies, I promptly filed a complaint via the CFPB Complaint Portal, demanding that Equifax investigate these accounts and provide proof of their veracity. In the same complaint, I cited 15 USC 1681-2, which explicitly states that an entity should not furnish inaccurate information to a consumer reporting agency. My intention was to resolve these inaccuracies swiftly, as they were affecting my credit score and could potentially lead to more significant financial issues. 

The disputed accounts included multiple XXXX XXXX  accounts ( with duplicate amounts ), a XXXX  account and a XXXX XXXX XXXX account, amounting to tens of thousands of dollars. 

Equifax responded to my complaint by deleting two accounts from my credit file, which I appreciate. However, the remaining accounts were not addressed adequately. Equifax merely stated that these accounts have been " verified '' without providing any substantial evidence. Furthermore, they did not answer my question regarding their adherence to 15 USC 1681-2, leading me to believe that my rights under consumer law may have been violated.

As of today, Equifax has yet to show any proof from the debt collectors that verifies these disputed accounts. Neither have they shown any steps they took to ensure the accuracy of the information provided by these debt collectors. I find this lack of transparency concerning, especially given the potential impact on my credit score and financial stability.

I have reiterated my demands for these unauthorized accounts to be deleted from my credit file and for Equifax to provide clear, documented evidence for their verification. I also stated that if they fail to comply, I would seek legal recourse, including a small claims action against Equifax, for multiple violations including defamation of character, negligent enablement of identity fraud, and violations of the Fair Credit Reporting Act. 

I now anxiously await a satisfactory response within 5 days, including a revised and accurate credit report. Furthermore, I have also provided a legible and valid proof of my current address, which was previously deemed illegible by Equifax. 

Equifax 's improper use of my consumer report has caused significant distress and financial inconvenience. The Fair Credit Reporting Act was designed to protect consumers like me, and I expect Equifax to uphold its obligations under this law.
Consumer complaint received 2018-10-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

I have had the POA responsibility for my XXXX year old mother for over a year with mother 's Union Bank 's checking and money market account. I also have durable power of attorney. 

Mother has XXXX  XXXX. 

On XX/XX/2018 my sister took mother to the bank and had me removed and herself put on as POA. 

There should have been a notation on the account to call me if any changes were trying to be made, whereas this has happened before with my sister making changes without contacting me. I was never contacted. 
I feel the Union Bank Vice President, Branch Manager, XXXX XXXX has been negligence in his fiduciary duties to protect my mother from undue elder abuse influenced by my sister. He states mother is of sound mind. 

My sister has a history and a pattern of taking mother 's money and not paying her back. Mother is in an assisted living environment and needs her limited resources to pay for the cost of her care. I explained that to Union Bank branch manager XXXX XXXX. 

My sister does not allow mother to spend the night at her home. She " doesn't want to be a care giver. '' My sister has financial problems. 

I believe Union Bank has a fiduciary responsibility to protect mother from elder abuse. 
I showed XXXX XXXX my durable power of attorney. He said his bank 's POA supersedes the durable. I beg to differ. There is a pattern of check cashing neglect. Mother ended up in the DA 's check cashing fraud dept. earlier this year, when my sister had changed and closed the account last XX/XX/XXXX .... I took care of the problem for my mother. 

I feel the bank needs better training in supporting their senior clients from elder abuse. 
I will be reporting this to the XXXX County DA Elder Abuse dept. 

If my sister withdraws mother 's money for her own personal use, I will hold Union Bank, XXXX XXXX responsible.. They have been forewarned of that possibility ..
Consumer complaint received 2023-07-25
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. (NY)

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.