davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX FL XXXX XX/XX/2023 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { insert date of report } and I noticed an unauthorized credit inquiry had been made. 
I contacted { capital once LLC }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. 
I request that you investigate the [ capital one LLC ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter, { XXXX XXXX } 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.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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 2020-08-18
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: First Technology Federal Credit Union (GA)

On XX/XX/2020, my First Tech Credit Card was charged for XXXX with two transactions made at XXXX XXXX in XXXX. I've never visited this place and I don't recognize this process. So, I opened a claim request with the FT and they have declined with : " We have reviewed the disputed items you submitted on XX/XX/2020 in the amount ( s ) of {$190.00}, on your First Tech credit card ending in XXXX. Unfortunately, First Tech is unable to process this claim, Claim Number ( XXXX ). " I'm not responsible for those transactions and I don't see why I need to pay for that. The Bank is also declining to share proof that I did the transaction.
Consumer complaint received 2020-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY (NY)

Hello I would like to make a complaint of XXXX has been made me a black list account and my name I cant apply any credit card or debit card or account XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX Please email me XXXX XXXX
Consumer complaint received 2020-08-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (TN)

Home Depot Credit / Citibank believes I owe them money. I disagree. However, that does not stop them from calling me 2 to 4 times a day, trying to collect. They use an auto-dialer to call my cellphone, when I answer, there are a couple clicks, and the calls are connected to a live agent. They have admitted that they use an autodialer and have told me " Well, our system will still keep calling you ''. This has been going on for about 4 months now, I'd be happy to send you a copy of my cellphone 's history showing the incoming calls. I have gotten to a point where I keep my cellphone on do not disturb mode until around noon, but lately they've started calling later in the day as well. This is rather aggravating.
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: NAVY FEDERAL CREDIT UNION (FL)

Con man name XXXX XXXX XXXX DOB-XX/XX/XXXX. 
Has been stealing people identity and con woman to get him personal loans for him. And threatening them mentally and physically abusing them.

I am one of the many victims.

I have a loan for {$6000.00} with navy federal A credit card that is  max out $ XXXX navy federal And many more negative remarks on my credits that are not mine. 

I made a police report last year XX/XX/2019. Ans this items are still there. The more I investigate the more I see how many people have been scammed by him. 

Im XXXX  I cant get a good score credit to move on with my new life. I had to sell my home now I dont have a home. 
Can someone please please help. 

Sincerely XXXX
Consumer complaint received 2020-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am filing a complaint of non-compliance against TransUnion LLC who sent a letter to on XX/XX/XXXX and XXXX  on XX/XX/XXXX. This is formal complaint that you have failed to respond in timely matter to my dispute letter deposited by certified registered mail with USPS. ( have attached both certified returned receipts for record ). 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the FTC ( see 15 USC 41, et seq. ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. ( I have attached both letter I sent to TU and XXXX ). The following on the letters needs to verified : In XXXX, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter.
Consumer complaint received 2020-10-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: TD BANK US HOLDING COMPANY (IL)

Today, XX/XX/XXXX I recieved my first bill which said I didn't make a payment. On XX/XX/XXXX I set up auto payments for twice my monthly payment and they never took that out. So I've called them and they will not answer, 1.5 hours on hold.
Consumer complaint received 2020-08-07
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. (TX)

I purchased a XXXX XXXX ticket ( {$210.00} ) on XX/XX/2020 and the flight was later cancelled. XXXX XXXX refuse to refund the money but only give me vouchers instead. 

So I dispute this charge with my credit card company on XX/XX/2020. The dispute was declined by my credit card company ( Chase ) on XX/XX/2020. 

So I have to call XXXX XXXX again asking them to refund the money. They agreed to refund this time and showed me the refund process was already completed on XX/XX/2020. They have the refunds request number and the document number. 

But this refund was never showed on my credit card account. 
I called my credit card company, they insist that they did not receive the money and do not allow me to dispute the charge again. 
I called XXXX XXXX, they claimed they have completed the refund and show me the document number. 

I don't know where is the money and both sizes claim they have done nothing wrong.
Consumer complaint received 2023-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Two internet purchases I made were located in foreign countries. I was unaware of this status. When Bank of America later sent me an email about the purchases I responded to decline the purchased. The ban declined the purchases but then without warning shut down my credit card without warning. I did not find out about the termination until later in the day when I was trying to make a purchase at a local store.

Trying to call customer service was a disaster. Initial hold time of 30 minuted followed by subsequent delays. The bank refused to reestablish the credit card insisting that they would have to send me another card with a new account number. I have numerous reoccurring charges tied to the account and it will take me hours to change all the information. There was no fraud involved and no loss on the part of the bank. Failing to have procedures to reestablish the account because of computer issues is their problem, not mine. 
Bank of America has shown poor customer support in the past and recently sanctioned a substantial amount. Apparently it was not enough. I request that you reexamine their procedures and once again fine them heavily again to get their attention to these constant short fallings.
Consumer complaint received 2023-05-08
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: Experian Information Solutions Inc. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (NC)

I completely settled this debt with this company. 

I paid the agreed settlement amount due of {$1400.00} as of XX/XX/2023. I received a letter saying that this debt was satisfied. 

The company representatives that I talked to said that once I paid this debt off, then they would completely delete the collection off of my credit report. 

Hunter Warfield has not deleted this item off of my credit report, and they are still reporting a balance of {$1400.00} to the all three credit bureaus. They keep reporting a balance instead of deleting the item off my credit report.
Consumer complaint received 2023-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I have a small business account with Bank of America. I have had this account for 22 years. I weekly balance this account and match my ledger balance with what the bank has on record. It has always been within {$18.00} ( I have chalked this up to a 'margin of error ' over the many years and have not thought much of this ). 
Three weeks ago, as I had balanced the under 10 weekly transactions- this is not advanced molecular science- it is simple math ( my business sees very little volume now, as it is very part time ), the Bank and I did not balance - they said I had {$260.00} less than I had balanced out with. Despite multiple people checking multiple times, using multiple methods, we all ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) came up with the same result - the bank was down {$260.00}. I waited another week to see what would happen. The next week, the same conclusion, with less than 10 transactions.

I made an appointment with Bank personal ; we spent 2 hours reviewing the math and he could find no error. He assured me he would work on it over the week and we made a follow up appointment with me for this past Tuesday at XXXX XXXX ( XX/XX/17 ). We sat down again - he had no answers. I asked then to file a complaint with the bank- it was unacceptable that {$260.00} just 'vanish '. He called someone and they affirmed that " nothing could be done '', because they could not " prove '' anything. 
I am appalled that after a 22 year relationship where I have upwards of {$200000.00} in this institution, they can literally " lose '' {$260.00} and offer no recourse ; it is not even difficult math/calculations to understand. To date, there is 1 outstanding check, so there is minimal " complicated math '' to appreciate - no missing checks from the ledger and yet less money than I have calculated. And I described a time in XXXX when I used XXXX to pay a friend and her bank recorded this account paying her twice, yet Bank of America has never noted that to be true. So, 'weird things ' can happen in this 'electronic money ' age - why is it so inconceivable that, in looking at these XXXX or so numbers, plain as day, there is {$260.00} of my earned money, Bank of America has someone lost/taken that out of my account? This is not a far reach for my imagination. 
Not only am I out that cash ; but they have lost a customer - but, that is seemingly not of concern to them. 
I write today, in hopes of actually having some resolve around the {$260.00} - that is not chump change to me ; as it may be to them. 
Thank you!
Consumer complaint received 2022-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MO)

I dont know where this account is from, I have never used XXXX XXXX XXXX  before and your trying to collect money from the wrong person. This is not my account and this is not my debt. Tried to talk to to company that is trying to collect this and they would not speak with me about this debt.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

GAVE NOTICE ON IXX/XX/2023 AFTER NO RESPONSE A FOLLOW UP LETTER WAS SENT XX/XX/2023 DEMAND COMPANY TO CEASE AND DESIST FROM COMMUNICATING AND REPORTING OF INACCURATE, FALSE AND MISLEADING INFORMATION ABOUT ME AS IT RELATES TO AMOUNT OWED OF ALLEGED DEBT AND INACCURATE REPORTING OF LATE PAYMENT ( S ) TO CREDIT REPORTING AGENCIES PURSUANT TO 15 U.S. CODE 1681b2.

ALSO REQUESTED THAT SAID COMPANY VALIDATE ALLEGED DEBT. AS OF DATE COMPANY HAS REFUSED TO COMPLY WITH REQUEST / DEMAND
Consumer complaint received 2024-04-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (KY)

I pulled my credit report from kikoff. It shows this on my credit file and if they are representing one of these companies I havent been notified about the debt. I'm curious to see if they are representing one of these companies and to see if it's over XXXX XXXX XXXX on credit report. I'm also curious to see if it's been sold by another junk credit company. This also shows publish consumer information on bad debt lists or credit reports and this proves unfair and deceptive business practices.
Consumer complaint received 2020-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (IL)

This is about Amex Platnum Credit Card. 

1. XX/XX/XXXX Annual Fee XXXX posted and paid. 
2. XX/XX/XXXX Request to cancel this card. However, the retention team tries to convince me to think more about it. 
3. XX/XX/XXXX After carefully think about it, I still decide to call to cancel the card. ( online chat ) 4. After a long chat, the card was canceled. However, they said that the Annual fee that was charged for XXXX will not be refunded due to Amex 's internal reasons. 
( Yes. The customer here was misled to pay the full annual fee but receive no service ) 5. Given that Amex will not refund, I there made an informed decision that I will be happy to keep using the card. 
6. However, Amex declines to provide service based on paid annual fees on this credit card. 

This case ends up with two facts ( 1 ) {$550.00} annual fee paid for XXXX was received by Amex and Amex declines to refund due to internal reason. ( 2 ) The use of credit cards for XXXX was also declined by Amex due to internal reasons. 

This obvious conflict was confirmed by the Amex customer service team as a picture, but they admit they can't do anything regarding this obvious conflict. I hope CFPB can moderate this unintended result.
Consumer complaint received 2020-08-07
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)

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. DEPTEDXXXX XXXX {$3900.00} DEPTEDXXXX   XXXX {$4800.00} DEPTEDXXXX XXXX {$2000.00} DEPTEDXXXX   XXXX {$1600.00} DEPTEDXXXX XXXX {$4900.00} DEPTEDXXXX   XXXX {$3500.00} DEPTEDXXXX  XXXX {$4000.00} DEPTEDXXXX   XXXX {$7300.00}
Consumer complaint received 2020-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX is trying to collect a debt that is not owed. I never had this company as a debtor. I tried contacting XXXX XXXX and they do not have the correct identifying information. Please remove from my credit bureau. Thanks
Consumer complaint received 2020-10-02
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: Experian Information Solutions Inc. (PA)

I am a victim of identity theft, my information was compromised and somehow fraudulent unauthorized inquires and accounts were included on my credit report. as a result after legal counsel I contacted this company both by phone and a formal letter, providing all the necessary documentation that they needed to make informed decision on this matter and remove these fraudulent accounts and inquiries. But to my surprise they decided to ignore me and are still reporting the same fraudulent account till date. Below are the fraudulent accounts and inquiries in question : FRAUDULENT INQUIRIES XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX FRAUDULENT ACCOUNTS XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number XXXX XXXX
Consumer complaint received 2021-02-04
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. (TX)

This account with XXXX XXXX is not mine. I have several emails from XXXX claiming that they are deleting this item. I am attaching a letter from XXXX XXXX indicating that they are removing this item from my credit report
Consumer complaint received 2024-06-10
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC. (NJ)

I opened a SoFi account for both banking and investing purposes. Unfortunately, on XX/XX/XXXX, SoFi froze my accounts, including open investment positions, for five consecutive days. This prevented me from managing my portfolio and potentially mitigating any losses. 

On XX/XX/XXXX, without any prior warning or explanation, SoFi terminated my account and forcibly liquidated all my assets. This resulted in significant financial losses for me. 

In particular, I had an options trade ( e.g., call/put option, expiring in XXXX ) that held a positive value of over {$300.00} on XX/XX/XXXX. Despite this value, SoFi closed the position for a mere {$0.00}, resulting in a 100 % loss on a profitable trade. I have documented proof ( screenshots ) of this specific position 's value before closure. SoFi exposed me to significant risk for 3 days having my account frozen while they make a decision. They never once offered me the option to transfer my assets to a new broker. They instead liquidated all of my assets for losses. Giving me no fighting chance as an investor. 

Furthermore, due to the account freeze, I was unable to manage risk in other holdings, leading to additional losses of approximately {$500.00}. 

My attempts to resolve this issue with SoFi customer service proved frustrating. I experienced long wait times exceeding one hour and encountered rude behavior from representatives, specifically XXXX and XXXX. 

Request : I request the assistance in recovering my financial losses or my investments returned to me due to SoFi 's actions. Specifically, I seek : Reimbursement for the funds unfairly lost due to the premature closure of my options trade ( $ XXXX ). 
Compensation for the additional losses ( {$500.00} ) incurred during the account freeze. 
I am prepared to provide all the necessary documentation ( screenshots ) to support my claims. 

Closing : Thank you for your time and consideration in resolving this matter. I look forward to your assistance in holding SoFi accountable for their actions. 

Sincerely, XXXX XXXX