davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: First Technology Federal Credit Union (MD)

Dear officer, I opened the checking account with First Tech Federal Credit Union ( FCU ), and I wanted to receive the XXXX dollar bonus by completing the direct deposit requirement ( I have attached the deposit requirement term below ). However, after qualifying 3 deposits totaling at least XXXX dollars within 120 days of account opening, the XXXX refused to honor the bonus. I have attached their response as well. 

They claim that my deposit stopped after XXXX even though they DID NOT specify continuous deposit during the 120 days period at all. They only mentioned the deposit need to be maintained in the account for 120 days which I have followed accordingly. I am afraid they are falsely advertising and making up requirements after new users signed up. 

Thank you for your time and help. 

Best regards, XXXX XXXX The offer term : New Direct Deposit Offer : New direct deposit must occur at least once per calendar month from the Participants employer payroll into any account of which the Participant is the primary account owner. Direct deposits from a non-employer payroll source do not qualify. Monthly recurring direct deposit amount must total at least {$1000.00} for a {$200.00} bonus. Initial direct deposit must take place within 60 calendar days of Enrollment. At least three recurring direct deposits must be completed within 120 calendar days of Enrollment and direct deposit must be maintained for 120 calendar days after Enrollment. Only the Participant will receive credit for the direct deposits. Any qualifying bonus will be deposited to the Participants Membership Savings account the first week following 120 calendar days of Enrollment.
Consumer complaint received 2018-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BBVA FINANCIAL CORPORATION (FL)

BBVA Compass Visa Credit Card As of XX/XX/2018 they removed the ability to pay online as I have done for many years before. I contacted customer service XX/XX/XXXX, speaking with XXXX for an hour with no resolve. Contacted them again on XX/XX/XXXX for another hour with no resolve. 
On XX/XX/XXXX went to a Branch Office, only to find that they had my profile all wrong, wrong info on everything. I was informed by XXXX XXXX I would be contacted on what would be needed to conduct business with them. After several weeks, I contacted him only to find he was on vacation. On XX/XX/XXXX, I went to another Branch Office and met with XXXX, she tried to get everything done however no follow up with no results. 
Made a payment with the teller at this time. On XX/XX/XXXX, I went back to the Branch Office, XXXX was out to lunch, spoke with XXXX a teller to see what we could do and to see if any transactions had been reversed as requested. She tried to assist with the Banking App, and had also informed me that transactions were reversed, but was unable to complete with the banking app. I also noticed at the time when setting up the App they had multiple accounts showing which were not mine, one with a $ XXXX credit line. This indicated to me they had not corrected my account profile issues from XXXX. On the evening of XX/XX/XXXX, I attempted to logon the BBVACompass webpage, only to find no payment history, no transaction history, what a way to run a bank. I'm going to return on XX/XX/XXXX to make a payment with severe reservations, I feel that any and all interest charges for these 70 days should be credited back and all records be corrected ASAP. I'm prepared to stop payments completely until it is corrected.
Consumer complaint received 2021-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

( Capital one ) my card is in fraud I put it there, I was worng. There was no fraud. Tried to get it out, would not let me unless I sent driver 's license to them, I gave them my social security number. That wasn't enough. I asked if I could pay down balance, they let me. I got it down {$2.00} and said no more payment. I had information on my phone. My phone was destroyed. That information is gone. I received an email saying I owed {$64.00} I paid money! They said it posted, I was unable to get on line because they didn't recognize phone number. I told them have new number. Didn't believe me. I wrote to company serveral times asked for paper statements no response. I sent registered mailXX/XX/XXXX21. They received itXX/XX/XXXX-21 didn't send receipt back. I sent to fraud Dept. General Dept. Mailing payment NC asked for statement the except my payment it shows on my bank statement. I sent another {$50.00} for XXXX XXXX XXXX they sent email told me money was accepted but refuse to let me on line to see statement. The account is frozen so how is money being charged to account? I want to close it they are sending me offer for new card. I will Never get anything from them. Thank you XXXX I don't have a home computer! I want to stop this abuse.
Consumer complaint received 2020-03-12
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: TRUIST FINANCIAL CORPORATION (WI)

In XX/XX/2019 I received notice my score dropped due to a missed payment. I went into my XXXX  app to check what happened. I discovered a loan that is not mine from Sun Trust Bank. I contacted the bank who basically told me I was being dishonest and the loan was mine. 
I filed an identity theft report and disputed the information. XXXX  just did the same thing the bank did and stated its my loan. 
I did not take out this loan and never received any money from this loan. This is not my loan and I believe I am the victim of identity theft.
Consumer complaint received 2021-03-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

On XX/XX/2021 I had the sum of XXXX sent to me from the proceeds of the bitcoin i sold from binance platform, immediately the money dropped into my paypal account, paypal threw my account to account limitation, then i called and explained the transaction and i was told that the limitation will be lifted with 24hrs to 72hours. 

I have made 5 calls to the very rude and inhospitable customer service representatives and i was assured that the limitation will be lifted. To my amazement on XX/XX/2021 the account was permanently closed with my funds in it, then i was told i can not claim my money for 180days! without any form of empathy! 

I even explained an emergency i had, but they were not concerned. 

There is XXXX transaction which i remembered is a survey platform that helps you earn when you answer questions, they claimed it was fraudulent transfers. 

Kindly use your good office to claim back my money for me please, i am in dare need of it. 

I have provided them my International passport, my bank statement and all they required and i am ready to provide whatever they need, i do not engage in any fraudulent activity.
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (WI)

I leased a vehicle commencing in XXXX. I decided to buy the vehicle. Following my request for a payoff balance, on XX/XX/XXXX, I received a letter from XXXX regarding estimated fees and taxes for buying the vehicle outright. Later in XX/XX/XXXX, I sent XXXX a check in the amount of {$45000.00}, the exact amount that XXXX had indicated was required to complete the purchase. Shortly thereafter, XXXX sent me a billing statement of {$1600.00} due on XX/XX/XXXX. On XX/XX/XXXX, XXXX sent a letter stating that my payment of {$45000.00} was returned since Wisconsin Toyota Financial was not able to direct sell to consumers. In the meantime, another bill in the amount of {$1600.00} was sent to me. XXXX basically sat on my payment for 30 days and as a result, Toyota Financial Services reported to the credit bureaus that my payments were delinquent. Since I had already tendered payment for the vehicle to the address I had been given for payments, I was not delinquent. Nonetheless, my credit rating was being improperly decreased. In XXXX and XXXX of XXXX, I received letters from XXXX XXXX regarding receipt and confirmation of two electronic bill payments of {$830.00} each. In XX/XX/XXXX, I sent a letter to XXXX Financial Service regarding their account misinformation. I also sent multiple letters to Transunion regarding the account misinformation. On XX/XX/XXXX, XXXX sent a letter to me indicating that XXXX records are being correctly reported. I hired an attorney in XX/XX/XXXX who wrote a letter to Toyota Financial Services Lease which requested that the account be corrected to show that it was not delinquent in XXXX, payment having been tendered for the full purchase price of the vehicle. On XX/XX/XXXX, XXXX responded that they believe their records were correct, which is false.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX XX/XX/1988 Dear credit bureaus To whom it may concern : Account Name : XXXX Account Number : XXXX I received a copy of my credit report. To my surprise you are reporting this account incorrectly. This collection account is reporting not only as OPEN but also shows a past due balance of {$1500.00} According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy new credit report reflecting this account removed upon completion.
Consumer complaint received 2023-01-24
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. (GA)

I have been a victim of identity theft I have been victim of identity theft please remove these accounts immediately. The credit reporting agency 's needs written instructions to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without lawful authority which violates 15 USC 1681b ( a ) ( 2 ). Please view the attached letter to see the accounts that are in question.
Consumer complaint received 2021-03-16
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (CA)

Chase VISA credit card payment was done on XX/XX/2020 for an amount of {$300.00} for a service that didn't fix the problem for which I paid for. 

I hired a refrigerator technician XXXX XXXX of XXXX XXXX to repair the XXXX refrigerator. The first visit was on XX/XX/2020 when he diagnosed the problem as being caused due to evaporator fan motor/defrost sensor. He told us that he has to order the parts and would visit us again once he got the parts. His second visit was on XX/XX/2020 where he replaced the defrost sensor but told us that the evaporator fan motor was fine. He told us to call back if the issue persisted. I made the payment through the credit card ending with XXXX on XX/XX/2020 for an amount of {$300.00}. I waited for a few days and the ice build up was again happening which made it apparent that the issue was not fixed. Ive duly contacted the merchant within 9 days of service and the merchant also agreed to come back and repair it but never responded back after that. I paid with chase credit card {$300.00} to repair the refrigerator and Ive made a good faith effort to resolve the dispute with the merchant first contacting him first. He said he will come back and repair it but stopped responding after that. We contacted him multiple times giving more than a month to respond before I started disputing the credit card charges. 

Chase, the credit card company resolved the dispute in merchant 's favor the first time. We reopened the case the second time escalating it to the executive management and someone from the executive office contacted us telling us that we are still liable for the credit card charges continuing to resolve in merchant 's favor although we clearly stated our rights that we did contact the merchant in good faith and the original issue he was called for is still not resolved. So we are escalating it further to CFPB to get a fair resolution.
Consumer complaint received 2023-01-24
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: EQUIFAX, INC. (TX)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681 i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX and XXXX did not modify or removed anything. 

The date open is not correct, date last active is not correct on XXXX and XXXX date of last payment is not correct on XXXX credit reports. 

Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attach my certified stamp when I sent letter to XXXX and XXXX. 

XXXXXXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (CA)

I HAVE SENT A NUMEROUS REQUESTS, ASKING TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. I AM VICTIM OF AN IDENTITY THEFT REPORT. THS ACCOUNT AND THE CHARGES DONT BELONG TO ME. SOMEONE STOLE MY INFORMATION THEY HACKED INTO MY MAIL BOX, MY EMAIL WAS ALSO HACKED. BEING A VICTIM I HAVE NO IDEA HOW ELSE TO SAY THAT THIS ACCOUNT IS NOT MINE.
Consumer complaint received 2022-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC. (VA)

Per tracking, Its been XXXX months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and XXXX
Consumer complaint received 2024-02-24
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. (NV)

I am writing to bring to your attention a matter of significant concern regarding fraudulent account reporting on my credit report. As per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), I am entitled to accurate and up-to-date information in my credit report, and I believe that this fundamental right has been compromised due to fraudulent activity.

Upon reviewing my credit report, I discovered an account that I did not authorize or open. The account in question appears to be associated with [ Name of Creditor/Lender ], and the reported balance and payment history do not align with any accounts that I have opened or used.

I must emphasize that I have not initiated any transactions with [ Name of Creditor/Lender ], nor have I provided consent for the opening of such an account. Therefore, I firmly believe that this account is a result of identity theft or fraudulent activity.

In accordance with 15 U.S. Code 1681q, it is unlawful to obtain consumer reports under false pretenses or without a permissible purpose. Given the circumstances, I urge you to investigate this matter promptly and take appropriate action to rectify the fraudulent account reporting on my credit report.

I kindly request that you : Conduct a thorough investigation into the origin of the fraudulent account and the circumstances surrounding its inclusion in my credit report. 
Remove the fraudulent account from my credit report immediately to prevent further damage to my creditworthiness. 
Provide me with written confirmation of the actions taken to address this issue and any relevant updates regarding the investigation.
Consumer complaint received 2023-12-29
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. (NJ)

I, XXXX XXXX XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at : XXXX : The Names on my report should be corrected and these Inaccurate names must be removed : NAMES : XXXX XXXX XXXX. My Address : These Addresses are not mine and should be removed : XXXX XXXX XXXX XXXX, NJ XXXX
Consumer complaint received 2020-03-12
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: Experian Information Solutions Inc. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2024-02-24
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 submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance Owed : {$1000.00}
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (DE)

I have several over drafts fees for {$35.00} dollars or more and if its not paid in a timely manner they will continue tag on an extra {$35.00} which sometimes make it hard to pay the full amount. It will go from - {$35.00} to - {$70.00} with in a week. Times are getting hard and yes sometimes we as the people make mistakes but the bank is already charging a {$14.00} balance a month for holding your money. Its a lot worth Wells Fargo.
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Delta Outsource Group, Inc. (KS)

I have sent XXXX XXXX XXXX XXXX XXXX XXXX XXXX letters to discuss settlement options of the balance I allegedly owe with their company on XX/XX/XXXX and XX/XX/XXXX. No response in any form from XXXX for either offer letter. 

Per phone call on XX/XX/XXXX XXXX According to XXXX XXXX XXXX XXXX XXXX balance allegedly owed sent to Delta Outsource Group on XX/XX/XXXX. 

Balance $ XXXX Still listed on credit report/reported to credit reporting agencies for balance allegedly owed as of this date by XXXX even though they no longer own the debt. 

I requested from XXXX XXXX ( Corporate Office - XXXX, KS ) a copy of the documentation that the debt was sent to Delta Outsorce ; refusal by XXXX XXXX of XXXX to provide mailing address of Delta Outsource or documentation that debt ( or management of such debt ) had been transferred or sold to that company. XXXX confirmed my address and confirmed the address was sent correctly to Delta Outsource.

Informed XXXX XXXX the charged off debt with balance due is still listed on my credit report even though they no longer own the debt. XXXX verified this information. 

Informed XXXX XXXX that if a creditor no longer owns the debt, they are legally under federal statute not eligible to report the debt or any balance associated with the debt to any external credit reporting agency as that is " double reporting '' - Violation of Fair Credit Reporting Act - Violation of Fair Debt Collection Practices Act XXXX stated he understood my complaint and XXXX 's violation of the FCRA & FDCPA ; no response or rebuttal to complaint. XXXX verbally stated his and XXXX 's refusal to remove information from credit report even though they no longer own the debt. He stated they are reporting accurate information. 

**** As indicated by XXXX XXXX, debt had been sold to Delta Outsource on XX/XX/XXXX. I had never heard of this transfer before nor the company. Delta Outsource is under federal requirements as a debt collector to contact me within a certain timeframe in writing regarding the balance allegedly owed and collection efforts. I have never heard from Delta Outsource and as such, the debt collector is in violation of FDCPA.