davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (TX)

My checking account was closed by Citibank without warning or notice XX/XX/2020. I called customer service reps on 7 different occasions to find out the reason why. I was told by reps that my account was closed by Citibank 's fraud department. No one seems to be able to give me any info on what i need to do to retrieve my money. Also Citibank refuses to connect me to their fraud department so i can discuss this matter. I have over {$1300.00} in that account that I need desparately. I have been told to go to a Citibank branch and get my money but there are no physical branches in Texas where live. I received an email from Citibank stating there was a message for me in the Citibank mobile app. I can't read the message cause i can no longer access my account info due to them closing my account! I am at my wits end because i am getting nowhere with this bank. They are trying to keep my money and that isnt right. I need your help desparately!
Consumer complaint received 2019-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (CA)

XX/XX/2019 statement never received. Charged {$27.00} late fee for missed payment. {$7.00} interest. 20+ year payment history of paying account in full on each statement. Not registered for any form of electronic-only invoicing.
Consumer complaint received 2022-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

I am a natural person, I am a living human being, i have rights under 15 USC 1681. 

XXXX is govern by 15 USC 1681. And they violated my of times. i damand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 

XXXX Account Number : XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

PHH Mortgage Services out of New Jersey. does not cash my payments on time them report me as late. then add fees to my account. they are criminals. this has been going on for years since they purchased my loan. a few years ago, this company operates as a criminal.
Consumer complaint received 2020-03-25
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)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you.Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 
Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Authorized User ) - XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

On XX/XX/2020 I attempted to widraw XXXX XXXX Baht from a XXXX XXXX XXXX  ATM located in front of the XXXX XXXX Hospital. 

The ATM was a free standing unit outside of the hospital. After entering my PIN, I waited for the machine to dispense the cash, it didn't. The ATM went blank, like a computer that was shut off. It came back to life after about 10-15 seconds and gave a receipt, however, didn't dispense any cash. 

I disputed the charge with my bank and all they say is they received documentation that showed I received the cash. 

I did not, they've deducted the money from my account and as an XXXX yr old widow, I can't afford to lose that type of money when nothing that happened was my fault. I may be old but I'm not stupid.
Consumer complaint received 2019-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

On XX/XX/XXXX I started a secured card with Capital One with a deposit of {$500.00}. 
On XX/XX/XXXX I paid my balance in full and closed the Capital One account. 
Today it is XX/XX/XXXX and I have not yet received my {$500.00} deposit back. 
I have called Capital One three times, starting XX/XX/XXXX. On this first call I was told to call back again in a week to expedite the return of my deposit. On XX/XX/XXXX I called again and the representative acknowledged that I did have a {$500.00} credit and that the account was closed with XXXX balance. I was told that I would receive my security deposit back on XX/XX/XXXX or XX/XX/XXXX, deposited to my checking account. This did not happen. Today, XX/XX/XXXX I called again and was told by a robot that I had a {$500.00} credit and that I would receive this money in 60 to 90 days. At every contact I get a different story. On this call I asked for 'representative ' and got a human on the line. I explained the above and she told me that I did have a {$500.00} credit on my closed account but I takes two billing cycles to process. I pointed out that I has been two billing cycles but she said it wasn't because the cash I tendered on XX/XX/XXXX was not posted until XX/XX/XXXX. Her promise was I would receive a check in 7 to 10 days. Is this another lie?
Consumer complaint received 2023-05-11
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. (NJ)

My name is 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.
Consumer complaint received 2020-03-25
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC (NJ)

I ask them to send me proof of the bill they say I owe them. I have also told them that due to the coronavirus I am out of work. They call all day every two hours and when I ask to speak to a supervisor they hang up on me. They are rude dont answer any questions.
Consumer complaint received 2022-12-28
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Acct # XXXX & XXXX, XXXX XXXX XXXX  Acct # 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.Evidence provided below with violations
Consumer complaint received 2020-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

looking at my credit report noticed it contained some errors relating to my addresses and file accuracy I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please delete/remove the following Addresses : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX   XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX PLEASE OBTAIN VALID ADDRESS XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX # XXXX  XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2020-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY (MD)

Today, I was declined service at the XXXX MD  branch even though I presented my valid driver license. Afrer 20 minutes of waiting, I offered to write a HELOC check for the withdrawal, but was told I needed to produce my passport to make a withdrawal. Then I was denied a withdrawal of ANY amount by the head teller ( XXXX XXXX ) and the assistant manager ( XXXX XXXX ). I desperately called the regional admin ( XXXX XXXX ) while there, but she never returned my calls or texts. This is not the cash withdrawal policy at TD bank. You only need to show a valid ID - which I did. I correctly answered all security questions. I even offered to show a pic of my passport in my phone from a travelitinerary, but was told that I needed to come back tomorrow with my passport. I begged for cash or to do a wire, but was declined. I should be able to make a withdrawal on any given day, but during this unprecedented time to be treated so horribly when I need to feed my family, they should all be ashamed!! This virus is LIFE or DEATH and this bank treated me like they didn't care if I died.Now, I am too afraid to leave the house again, but we have no food and I can't get ANY money from my account to buy food and pay bills. I lost my debit card.
Consumer complaint received 2022-12-28
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. (VA)

I've submitted a dispute to XXXX, XXXX and Equifax in regards to fraudulent items on my credit report. I am a victim of identity theft and have been shown a blatant disregard to my due process via the FCRA 605B ( 15 U.S.C. 1681c-2 ). My FTC identity fraud affidavit is attached. It is hard enough to have been a victim of identity theft, yet now I am not being acknowledged in my disputes and my congressional rights are being violated.
Consumer complaint received 2022-12-28
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Acct # XXXX & XXXX, XXXX XXXX XXXX  Acct # 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.Evidence provided below with violations
Consumer complaint received 2022-11-05
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-11-05
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 (MS)

XX/XX/2022 account was reported delinquent 1666a-1666b states that a creditor can not treat a payment on a credit card account as late for any purpose. I have tried to reason with my current creditor. I have a right to privacy These late payments have stopped me from getting approved for things I need to take care of my family This account reports late every month
Consumer complaint received 2020-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My bofa checking account which is linked to my unemployment benefits had fraudulent activity with some unknown person using the card to withdraw funds from atms near me. The unknown person withdrew {$1000.00} at a time ( the maximum ), in consecutive days XXXX XXXX, I reported the fraudulent withdrawals immediately on approximately XX/XX/XXXX. BofA initially credited the fraudulently withdrawn amounts and then subsequently made adjustments and removed those credits. Now my account is negative due to those fraudulent transactions not being credited.
Consumer complaint received 2020-12-22
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$2600.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 


-- AUTO LOAN OR LEASE 3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2023-05-11
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)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-21
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I had someone take {$300.00} in money from me the day before thanksgiving. Bank of America closed the card sent a new one and said they have no definitive date for when I will get my lost money back. 

Then a week later they close my new bank card with no explanation as to why and say its the DETR office Nevada who did it. So I call the DETR office and they say its BOFA that did it and to call them. 

This is very fishy and now Im missing my 5th week of {$300.00} for lost wages program {$300.00} thats stolen from me through Fraud and the little money I had left in the account I cant access because they closed my account. 

This is outrageous!!!
Consumer complaint received 2020-04-03
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: Experian Information Solutions Inc. (FL)

Recently I suspected that my identity has been stolen due to the amount of calls and emails I receive about accounts and collects that do NOT belong to me. I also am aware that my information was exposed I about 5 different data breaches. The 2014 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The breaches put my information at risk and resulted in fraudulent accounts being opened in my name.
Consumer complaint received 2020-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (NY)

Hello, The following inquiries known as Credco is reported on my XXXX  and XXXX  credit report and they are not mine. I contact both the company and credit bureaus to remove this and they have yet to comply. This inquiry has the date of XX/XX/2019.
Consumer complaint received 2020-04-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (CA)

I called in to make a payment to Target Credit Services on XX/XX/XXXX. I had been going through a lot with my XXXX  being in and out of hospital since she was XXXX  and so I was forgetting to pay the Target card. I decided to pay it off and close the account. I did the auto pay. I didn't know it at the time, but I had accidentally entered an extra " XXXX '' in the checking account number. The payment did not go through. I got another bill and called to find out that the payment did not go through on XX/XX/XXXX. I spoke to a representative and made a payment over the phone. I read my checking and routing number from the check I was holding in front of me to the representative. 1 week later I called because I was I did not see the withdrawal from my account. The credit card representative assured me that the payment had gone through and my balance was XXXX. 

I received another bill at the beginning of XXXX showing an outstanding balance. I decided at that point to just write a check and mail it on XX/XX/XXXX. The only reason I was calling was to get the payment in ASAP, but I continually had problems. I made a complaint to XXXX XXXX XXXX  when I saw that they were constantly having trouble receiving my payment. 

The check finally cleared. I called Target because I saw that my credit score was being affected. I spoke to a manager to find out what they had taken down in XXXX for my checking account number. I found out that they had an extra XXXX still in the checking account number that didn't belong. I explained to the manager that I read the check number verbatim and there should not have been a problem. The manager told me that she believed that the checking number was not updated by the representative from when I tried to make payment in XXXX. 

Thank you, XXXX XXXX
Consumer complaint received 2020-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

I have contacted both Experian and XXXX  multiple times in regards to a creditor by the name of " XXXX XXXX '' on my credit report. My last four of my SS # is XXXX. This debt does not belong to me and I have asked the company to prove and verify that it does, which they could not. They have NO wet signature nor contract between them and I. Not only do they not have verification but they are also reporting incorrectly on my credit file. It's showing a closed account as of XXXX however still reporting late payments as of XX/XX/XXXX which is impossible on a closed account from XXXX. This is unacceptable and against FTC and FCRA laws and regulations. This creditor needs to be removed from my XXXX  and Experian credit files IMMEDIATELY.