davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have an ATM dispute. I tried depositing {$7500.00} in ATM on XX/XX/2020. While depositing, the ATM started acting up after I put my money in the ATM. The money door opened up and all the money i had was stuck inside the ATM. I tried pulling my money out but only half of the money was retrieved and the rest was stuck inside the ATM. The ATM went blank and restarted and after which the ATM was in error. I tried opening claim multiple times with bank of america but they keep denying my claim saying that i took the money out. I checked with the bank of america manager at the ATM location and she was able to validated all the issues i mentioned and her daily balance was indeed over by my missing dollar amount of {$4600.00}. I have called them numerous times and visiting the branch office many times but they would not resolve my claim. They forcefully closed my account due to negative balance and now that is being reported in my credit history. I am asking bank of america to fix this issue and the headache it has caused me for this nine months over the money they took from me.
Consumer complaint received 2020-03-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (IL)

In XX/XX/XXXX, I filed a complained with SunTrust about airline charge on our bank account. The international airline refused to refund our ticket after they said if we bought another ticket they would refund the old ticket. 
We reported the issue to SunTrust and provided all the documents including email. 
In XX/XX/XXXX, after investigations SunTrust Bank, reversed the charge and closed the case. On XX/XX/XXXX, without notification to us from SunTrust, they re-posted the airline fee. We called to ask why and to re-dispute the charge and they will not respond. We called Suntrust multiple time to re-expalin the re-charge and they have essentially ignored us and stated that the airline informed them we flew so they reversed the charge. We asked for evidence to support what the airline said and they will not provide us anything. We asked them to re-examine all the supporting evidence including direct email from the airline and they will not. As a result of SunTrust actions to re-post the charge on our account, it has led to multple charge-backs and NSF fees posted from SunTrust.
Consumer complaint received 2020-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

I received a letter from Citi dated XX/XX/XXXX regarding my Citi Thank you Preferred MasterCard credit card account. They stated they were closing the account due to inactivity. They did not contact me prior to closing the account even though I have had this account since XXXX. I last used the card in XX/XX/XXXX and paid that bill on XX/XX/XXXX. I had a XXXX  balance when the account was closed. 

I called Citibank on XX/XX/XXXX and asked them to reinstate my account. The first person I spoke with was based in the XXXX. They wanted my social security number which I declined to give them. Finally they transferred me to an agent in the United States who also requested my SS #, income, etc. and said they would need to run a credit report on me. This is the same as applying for a credit card. It is not reinstating my account which they should have been able to easily do since they just closed it. 

I gave them the information they requested and they will let me know in 5-10 business days if they will reinstate my account, what my credit limit will be and what the terms will be. Meanwhile my credit record will be dinged because they are running a credit report. I have no idea of the terms of the card they will reinstate. 

I feel quite angry that the company did not reach out to me before closing my account which was in good standing. This is no way to treat someone who has had an account with them for more than 30 years.
Consumer complaint received 2020-03-15
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. (NJ)

I have sent numerous letters initially without sending them certified mail. I didn't think I had to but every time I asked about my letters they said they haven't received anything from me. So i sent the letters certified. The same letters just certified. 

My reason for contacting experian was about erroneous information in my report and have not gotten any response. I have requested information about Verification/Validation and investigation methods and have received nothing. This is why I now am asking for the support of the CFPB
Consumer complaint received 2023-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (SD)

I was advised via us mail that my 2 accounts with Capital one was closed due to activity that was against their standards. 
I've been basically unemployed for the summertime and was struggling with a part time school position with reduced hours and wages. 
My last paycheck for the summertime hours was only {$140.00}. 
Capital One was still trying to get payments out of my checking account and it wasn't consistent with my paydays. 
I believe their actions may have been discriminatory in nature and geared towards people in the minority class and income level.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AR)

In accordance with the Fair Credit Reporting Act. The List accounts below has violated my federally protected rights to privacy and confidentiality under Account Name : XXXX, Account Name:XXXX, Account Name : XXXX, Account Name ; XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX, Account Name : XXXX, Account Name : XXXX : According to USC 1681e they have violated my rights to privacy and confidentiality sharing inaccurate information about XXXX XXXX XXXX XXXX bankruptcy on my account please delete according to 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-03-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (TN)

In XXXX of 2018 I chose to upgrade my XXXX for a XXXX XXXX phone. They stated that I would have 14 days to return the device if it did not work out. Well I did just that. The device had called 911 multiple times, and would freeze, lock and shut down. So on XX/XX/XXXX I returned the device after having issues with the local XXXX stores in Washington saying they couldn't accept it since it was an online order return. I returned the device per their smart label return envelope. I got multiple notifications that if the original device ( XXXX ) was not returned since it was a trade in, that I would be charged. After an amount of time they wound up charging me FOR THE XXXX, despite the fact that I told them I was using it which they could clearly see because I returned the other XXXX phone due to the issues. They said that they had not received it back yet and continued to charge me for the monthly fee for the XXXX phone as well. This caused my bill to just keep creeping higher and higher. There was MULTIPLE cases submitted to try to " fix '' it. I spent hours on the phone with different people and at the end of the day it was still not resolved. So in XXXX of 2018 they shut my service off for non-payment because they had charged me hundreds of dollars I DID NOT OWE THEM. The tracking showed the phone was picked up. They told me verbally the phone was in their system, but that another department had to " refund '' the account for it. So finally when the account was officially closed, they also charged me for the remainder of the XXXX phone that I didn't even have since it was in their possession. They then continued to try to collect the money, yet I do not owe them well over {$1000.00} of what they are trying to charge me and collect on. Then despite everything, they never tried to rectify the account and sent it to collection. I never got notice of the collection from the collection agency, and now the agency is reporting on my credit also trying to collect money NOT OWED.
Consumer complaint received 2020-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (VA)

I do not have or had a account with Diversified consultants. I had a account with XXXX there client and I dont owe XXXX anything. I paid my bill for the month of XX/XX/2018 and canceled my service and went with XXXX XX/XX/XXXX even ported my number over to XXXX. Instead of sending me a refund they sent me a bill for a service I was not using and canceled. But now Diversified consultants has put it against my credit even though I dont owe anything. I want this to be removed from my credit report.
Consumer complaint received 2022-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

XX/XX/XXXX a wire was sent. The recipient did not receive. The bank has been useless in resolving this matter and basically said just to wait. I have followed up multiple times over the span of 2 weeks. Review the e-mails please. Provide customer service.
Consumer complaint received 2020-03-15
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. (NJ)

I have sent numerous letters initially without sending them certified mail. I didn't think I had to but every time I asked about my letters they said they haven't received anything from me. So i sent the letters certified. The same letters just certified. 

My reason for contacting transunion was about erroneous information in my report and have not gotten any response. I have requested information about Verification/Validation and investigation methods and have received nothing. This is why I now am asking for the support of the CFPB
Consumer complaint received 2021-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XXXX of 2020, I noticed fraudulent charges on my Capital One Venture card. They told me they would mail me a new credit card within 5-7 business days. A new card never arrived, but I did receive mobile alerts telling me that new fraudulent charges were coming though anyway -- even though this new card was not in my possession. When a new credit card arrived ( 2nd attempt ), I received new fraudulent charges. Capital One shut down that card and sent me another ( 3rd attempt ). Same thing happened again -- more fraudulent charges. I have since received a 4th card, that continues to have fraudulent charges on it. It appears Capital One, in conjunction with Visa, are giving my new credit card number out to merchants -- something that occurs with automatic/recurring billing. The problem is that I don't use my Capital One Venture card for anything " recurring. '' It's a card that I use to make store purchases, gas purchases, etc. -- they are " one off '' purchases. 

I have asked them to stop giving my new credit card information away, but they refuse. They just keep trying to send me a new credit card each time. I believe my information was compromised during their recent data breach, and I don't believe they are doing anything to rectify it. I continually have to reach out to their customer support team and re-explain my problem, which takes hours out of my day each time ( hold time, re-explanation, escalations to supervisors, etc. ). 

This is a recurring issue that has been going on for 4 months, with no end in sight.
Consumer complaint received 2020-03-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (NY)

NATIONAL CREDIT SYSTEMS is attempting to collect a debt from us of {$28000.00} on behalf of XXXX XXXX XXXX. XXXX lost several attempts to sue us in court and is attempting to use NCS to try and damage my credit report. I disputed the collection which is now on my credit report. I had my attorneys send them letters to not place a collection until fully verified that they had the authority to do so, which they never provided truthful and accurate information. XXXX XXXX   XXXX  is providing them false records. We do not owe XXXX XXXX to XXXX XXXX XXXX.
Consumer complaint received 2020-03-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC ()

I contacted ERC XX/XX/XXXX for debt verification after inaccurate information appeared on my XXXX  credit report. I informed them that I lived in XXXX and that I was unaware of the debt nor had I received written communication regarding the debt. I informed ERC that I was willing to pay the debt if the item was deleted from my credit report to which they refused several times. I spoke with 3 different supervisors XX/XX/XXXX and XX/XX/XXXX all of which refused to remove the inaccurate information from my credit report. 

I contacted the original creditor XXXX XXXX XXXX to inquire about the debt. I was informed of the balance owed and date of first delinquency. The information reported on my XXXX report from ERC is time barred since the date of first delinquency with the original creditor is XX/XX/XXXX. ERC is reporting a date of first delinquency of XX/XX/XXXX and a removal date of XX/XX/XXXX which is inaccurate. Furthermore I never received written communication from XXXX XXXX XXXX nor ERC that a debt was owed and thus was unable to rectify nor dispute it.
Consumer complaint received 2021-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am XXXX XXXX, last four social - XXXX XXXX. I am a victim if XXXX XXXXXXXX and identity theft. XXXX, XXXX had a breach where my social was obtained. Someone fraudently filed taxes in my name. I never had to file taxes because I am a Veteran with a 100 % service connected XXXX and I recieve compensation. I never applied to these companies or their creditors. 

I also have a fraud account with XXXX XXXX. I did not apply for this. Please help me in investigating these fradgenlent actions against my credit report. 

XXXX is a collector for XXXX  XX/XX/XXXX for XXXX dollars. TRANSUNION XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX dollars. 

XXXX 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 XXXX XXXXXXXX
Consumer complaint received 2020-03-27
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: CITIBANK, N.A. (MA)

I've had a Citibank credit card since XXXX. Ten years ago I got a CitiBusiness card which I used for my small business. For my business I have a XXXX XXXX XXXX. I had work done on it last spring by a shop that specializes in XXXX repair. Not only did the work take an extraordinary amount of time but it was poorly done. I quickly let the merchant know that his work was not holding up and that, in fact, he'd damaged some things on my vehicle. I had hoped that he would stand behind his work but it quickly became apparent that he was not going to do anything as he refused to return phone calls or emails. I contacted Citibank and disputed the {$7500.00} charge. I provided Citi with estimates and bills from the merchant as well as my emails to him attempting to resolve the issue. I also wrote a detailed letter explaining what the problems were and that I had tried to resolve the issue with the merchant. I did this in a timely fashion but did not hear back from Citibank for four ( 4 ) months. When I called them they said they'd tried to reach out to me but had been able to contact me. I received no calls, emails or other correspondence during that time. I called them half a dozen times after that only to be told someone would contact me regarding the status of my dispute. The only contact they made was a letter stating that they could do nothing to resolve my dispute because I had not returned merchandise to the merchant. I spoke to a supervisor in the billing dispute department and told them there was no merchandise to return and that my dispute was about a service that had been provided. The supervisor said the wrong paperwork had been filed and that they would refile my complaint. Today I got another letter stating Citibank could do nothing to resolve my complaint because I had failed to return merchandise to the merchant. I don't believe Citibank ever had any intention to resolve this dispute. After 32 years I will be getting a new credit card.
Consumer complaint received 2019-09-19
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: Experian Information Solutions Inc. (IL)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX of XXXX. The credit agency Experian, XXXX   and XXXX have not verified my dispute and refused to remove the Bnackruptcy from my report.
Consumer complaint received 2022-12-31
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. (AR)

In accordance with the Fair Credit Reporting Act. The List accounts below has violated my federally protected rights to privacy and confidentiality under Account Name : XXXX, Account XXXX, Account Name : XXXX, Account Name ; XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX, Account Name : XXXX, Account Name : XXXX : According to USC 1681e they have violated my rights to privacy and confidentiality sharing inaccurate information about chapter 7 & 13 bankruptcy on my account please delete according to 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

The department of education is now showing the account as open and past due. This is not my service provider. I have already provide the proof. They are influencing my FICO scores at two credit bureaus now. One bureau just dropped 69 points. None of information they are providing is accurate. This has been under investigation for 56 days, why have these inaccurate accounts not been deleted? _______________________________________________________________________ 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and88 623 - 15 U.S.C. 1681s-2 ( ii ) the information is, in fact, inaccurate. ______________________________________________________________________ 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( d ) Notification of deletion of disputed information. Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) of this section to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.