davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-29
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/1967 I purchased a Certificate of Deposit for {$10000.00} from XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, with an interest rate of XXXX % per year, automatically renewable. I discovered that XXXXXXXX XXXX  was acquired by Bank of America. When I took the CD to BoA to cash it in, I was told that there is no record of it. I contacted BoA main office and received a letter from them stating in summary that they don't have a record of it and to check with the state XXXX XXXX XXXX. I did check with them and they don't have a record of my money being sent to them. I have been passed around to various federal government agencies with no resolution to the problem, such as FDIC, OCC, and OFR.
Consumer complaint received 2023-06-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp. (IL)

TrueAccord contacted me by email on XXXX XXXX  by saying I owed over {$2000.00} for a debt that is over 12 years old. Due to the age of the debt, I contacted them by email to dispute the debt, even stating Illinois debt collection statue of limitations in my email. Their response was they are collecting it on the behalf of another debt collection agency, which the debt collection agency is not the original agency. The debt collection agency that TrueAccord is acting on its behalf has NOT contacted me at all about the debt in years. The debt does not show up in my credit reports at all.
Consumer complaint received 2022-07-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX  XXXX XX/XX/2021 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : XXXX XXXX CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

XX/XX/XXXX, 2024-Received an email from Citibank that my American XXXX XXXXXXXX account was reviewed and my credit limit was lowered from {$20000.00} to XXXX when my balance was XXXX. This caused my credit score to drop from XXXX to XXXX. I asked them to re-review and it was declined. I then paid off the Citi account which left a negative balance of XXXX which they left on the account without a refund. I had to call to get them to refund the overage. Citibank is deceitful in their business practices and they should be held accountable.
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (TX)

Dear Customer Feedback and Program Development ( CFPD ) Team, I hope this email finds you well. I am writing to bring to your attention a concerning issue I have encountered with Wells Fargo Bank, specifically regarding an unauthorized transaction from my checking account. 

On XX/XX/2023, I discovered that an amount of {$980.00} was debited from my checking account without my authorization. This transaction was made to XXXX, a platform I do not use nor have I ever authorized any payments to. Upon discovering this transaction, I immediately reached out to Wells Fargo Bank to dispute the charge and request a reversal of the transaction. 

However, to my dismay, Wells Fargo Bank declined to initiate a dispute on my behalf, despite the transaction being clearly unauthorized and not initiated by me. I find this response unacceptable, particularly considering the significant amount of money involved. As a customer, I expect my bank to protect my interests and take appropriate actions to resolve such issues promptly. 

I strongly urge Wells Fargo Bank to reconsider their decision and take immediate steps to dispute the unauthorized transaction with the relevant merchant, XXXX. It is crucial that I am not held liable for a transaction that I did not authorize or benefit from in any way. 

I kindly request that you investigate this matter thoroughly and ensure that appropriate measures are taken to resolve it in a fair and timely manner. Additionally, I would appreciate regular updates on the progress of this investigation and the actions taken by Wells Fargo Bank to rectify the situation. 

Thank you for your attention to this matter. I trust that you will handle this complaint with the seriousness it deserves and work towards a satisfactory resolution.
Consumer complaint received 2024-04-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation (VA)

We received a debt notice in the mail stating that we had an outstanding balance of XXXX dollars. We currently have an XXXX  set up through Virginia for the toll roads here and that is what this debt is about stating that we never paid are {$17.00} and {$6.00} tolls and they have accumulated fees resulting in $ XXXX XXXX of debt. We have tried contacting them and requesting information about dates, location and how has this not covered by our XXXX  setup. They are very rude threatening that the bank will lower my credit score and come after my belongings that have loans on them. Soon after they would just hang up the phone and a wait for me to pay via these ongoing calls and letters.
Consumer complaint received 2023-06-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I opened an account with Capital One Auto Finance in XXXX and have carried a relationship with them since. I have made it a goal to make payments on time. There was a point in time where I had a mishap and unfortunately made XXXX late payments in XXXX and XXXX of XXXX. I was dealing with my health early in the year and it caused me to lose track of important dates. Since then, and even before, I have always made timely payments. I am asking for a goodwill gesture based on the standing relationship I have with your company. Then late payments are causing me extreme hardship. I am hoping that Capital One Auto Finance can submit a Universal data form ( AUD ) to the credit reporting agencies requesting that they remove the late payments in XXXX and XXXX of XXXX. I have really enjoyed doing business with Capital One and a quick look over my account will show that I was always on time. I would greatly appreciate this goodwill gesture. I am hoping to hear a favorable outcome Capital One Auto Finance. Thank you for your time.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (ME)

I financed a used car purchase through XXXX XXXX XXXX  on XX/XX/2016. I immediately enrolled in auto-pay and made all payments on time for the duration of the loan. With absolutely no notification the company unenrolled me in auto-pay without my permission, and then reported my account as 60 days late. I paid the final payment and closed the account immediately after I became aware of the issue. 

Despite this, the company reported the account to the credit bureaus, and it is still negatively affecting my credit score. I have reached out to XXXX XXXX XXXX  about this multiple times and they have been totally unresponsive.
Consumer complaint received 2022-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 


XXXX. KOHLS/CAPONE Account Number : XXXX Please remove it from my credit report. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 


PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : XXXX XXXX CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2019-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Not enough information to verify debt : In XXXX, XXXX and XXXX of 2019 I requested an investigation be conducted by the credit bureaus of an alleged debt owed by me in the amount of {$730.00}. ( account # XXXX ) A proper investigation according to the FAIR CREDIT REPORTING ACT section 609 ( a ) ( 1 ) ( A ) requires PHYSICAL verification of an original signed consumer contract and not an electronic or E-oscar verification under which a lot of investigations are being conducted. This software has limitations when it comes to conducting a proper investigation of records to which I have recieved verified as accurate without recieving the documentation that I have requested which is a violation of federal law.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX  # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX  Account # 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 an account without my written instructions.
Consumer complaint received 2022-07-07
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. (MS)

I HAVE FRAUDULENT INQURIES ON MY CREDIT REPORT AND I WOULD LIKE TO HAVE THEM REMOVED IMMEDIATELY, THANKS.
Consumer complaint received 2019-08-02
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: TD BANK US HOLDING COMPANY (NC)

I have been with Target Card services since XXXX. On XX/XX/XXXX I called to do a customer assistance due to medical issues with my spouse. On XX/XX/XXXX at XXXX XXXX, I was told by the rep that he would waive the {$93.00} and I did not need to make a payment until XX/XX/XXXX of {$28.00} and I would not be reported to the credit bureau. This is also stated on my statement and the letter I received. On XX/XX/XXXX, I realized I was reported 30 days past due reached out and spoke with a rude rep and then requested to speak with the supervisor. I spoke to the supervisor after 3 more phone calls she stated I would need to write a letter to get the call reviewed because the rep gave me the incorrect info and I needed to make the payment of XXXX and will be no longer 30 days past due. I made the payment then reached out the next week to see if there was a status on the letter and I was told no but the rep put in the dispute as well that was not previously put in. The next week I called and was told I would receive a letter with the status and my account is current and not past due. On XX/XX/XXXX I called with a follow to make sure I was not past due and was advised that I was not past due on my account and a letter was sent in XX/XX/XXXX with the results of the investigation. On XX/XX/XXXX I receive a notification from XXXX that I was 30 days past due for XX/XX/XXXX and XX/XX/XXXX, which was confusing because I made a payment 3 times in XXXX on XX/XX/XXXX, XXXX and the payment was due on XX/XX/XXXX. I spoke with a rep that then said I was 60 days past due even though I spoke with several ppl that stated I Current. I called back and spoke with a lead that stated he did not understand the reporting being my payment was due yesterday and the system will not report to the credit bureau until the XX/XX/XXXX of the month. He stated for me to call back on the XX/XX/XXXX, with the update and provided me with a case number. This is ridiculous and poor customer service and training on their end. The reps provide you with the incorrect information and the consumer pays the consequences. This is unethical practices!
Consumer complaint received 2022-07-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

I am self employed. Always had money in my banking acct. My dad just had a XXXX and i was helping my mother financially. My balance was too low and was waiting for a client to pay me. By then my bills that that are on auto pay started withdrawaling from my acct and started to receive insufficient funds. I just deposited money to my acct to get back on track. When trying to use my debit card it was declined. Calling the bank told me that my acct has been closed. Trying to resolve this issue they said there is nothing i can do. I told them why did the ATM take my deposit if my acct is closed. Doesn't make any sense. I told them who can i talk to. They said no one. That i have to wait XXXX XXXX days. I told them i have no money because i just deposited it in the ATM. This is very stressful now. Just because of some over draft fees. When they see that my acct always had funds and still has funds. I need help with this matter..
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I am trying to purchase a new home. In order to raise my credit score I have paid off my major credit cards. On XX/XX/XXXX I paid off my balance of {$5000.00} on my Capital One card. They are SO quick to report to the credit bureaus when a card is maxed out but if you pay it off? Well my statement date of XX/XX/XXXX/XX/XX/XXXX has come and gone and it is still impacting my credit score ... raising my home interest rate by 1 % point. I have tried to contact the company to no avail. XXXX took care of this right away. My score would go from XXXX to a projected XXXX. This is ridiculous.
Consumer complaint received 2022-07-07
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-07
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: CITIBANK, N.A. (CA)

My wallet was stolen outside a parking lot located in XXXX XXXX California. Someone tried to use use my information to open a Macy 's credit card. They bought several items with the credit card. Without me not knowing, I have already reported with the police, credit beuarus, and Macy 's Fraud Department.
Consumer complaint received 2022-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (HI)

In 2016, XXXX charge me for non-return of equipment. They had a drop box at their location which I used to return the equipment. They failed to scan in the equipment but agreed to remove the charge. Now Waypoint has purchased the erroneous debt and is trying to collect on it which adversely affected my credit score. I've called Waypoint but can't talk with a live person. Very frustrating!
Consumer complaint received 2022-07-07
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. (LA)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX  has violated my rights XXXX 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (FL)

I opened a Beyond Checking Account and Signature Savings account on XX/XX/XXXX due to a mailer I received from TD Bank in XXXX of XXXX. The mailer indicated promotional bonuses for both checking and savings accounts. I followed their requirements to the letter of the law but still have not received my promotional bonus ( {$200.00} for checking and {$400.00} for savings ) in accordance with their terms. I reached out via online secure messaging on their platform on XX/XX/XXXX, XX/XX/XXXX and called into their support line on XX/XX/XXXX. The representative assured me that it would be escalated to the appropriate party and resolved. As of a XX/XX/XXXX message there is still no resolution in sight. The balance in my accounts totals {$17000.00} which I would have been earning higher interest on with another institution. It seems that TD BANK is engaging in bait/switch tactics to garner deposits at their bank. I would like my Bonus amount asap + damages for lost interest. TDBank should not be able to offer fraudulent promotions and then not fulfill them. Please help. Thank you
Consumer complaint received 2023-06-29
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: WELLS FARGO & COMPANY (MD)

Wells Fargo sent me a new credit card in the mail. The new credit card was never delivered to me. Someone else received my credit card, activated it, and used it at three different XXXXXXXX XXXX XXXX locations. Wells Fargo is denying my claim and making me pay the bill for someone else 's crime. I have a police report supporting my claim.