davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (MD)

Numerous times their entire platform for all account portfolios is unavailable for their cardholders to gain access to their accounts to view transactions, available credit, schedule payments thus making it extremely difficult for cardholders to manage their account in a responsible way. The fact that this credit card issuers website is down and unavailable more times than it is available to their cardholders is completely unacceptable as this has been going on for over a year and 2 months now
Consumer complaint received 2019-11-14
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. (LA)

I HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2018-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX, I checked my bank account as i normally do every other day, and i noticed that had a a fraudulent transaction. Someone in California hacked my debit card and make 3 purchases of {$3000.00} each. I called immediately to my bank to make a claim and dispute the charges. In the process, one of the customers services representative explained to me, that because it was a big significant amount, 2 of the 3 transaction was not going to go through. And that they were making a claim for only {$3000.00} out of the {$9000.00}. When i made the claim, the bank issued me a new debit card, they gave me a new user name and password for my bank mobile app, and they also ask me for a secret password in case something like this happened again, they could verify my identity. In result of this situation, I also called all the creditors unions, such as XXXX, XXXX, XXXX to request a security alert. Two weeks after the incident, on XX/XX/XXXX, when i checked my bank account once more, I noticed that Bank of America did charge the {$6000.00} that they said were not going through on the weeks prior. I called again to my financial institute to dispute the charges that I originally try to dispute on XX/XX/XXXX. When I reached out to them after waiting their 10 days of verification and processing, another representative told me that the money was going back to my account on XX/XX/XXXX. On XX/XX/XXXX, i called to check the status of the money once again, and this time another associate told me that BANK OF AMERICA has denied my dispute due an insufficient urgency from part. That same day I went to the closest branch around my neighborhood. In person and with a help of the branch manager, I made a written complain, explaining the situation above. This complaint was fax to the Bank of America debit card operation. And even though they promised to expedite my case file, still today they have not giving me a clear respond about my money. Its been over a month and so since this unfortunate event, i have been call bank of america at least 60 time these past weeks, and I have been told from their customers services departments many different outcomes. I do not understand what they meant about me not having an urgency regarding the situation, when i followed all the steps they asked me to. I have evidence of my calls, of the bank sending me plenty of secure codes and emails from their part advising what to do in cases like this. Its evident that I did have an urgency since day one.
Consumer complaint received 2022-12-04
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. (CA)

Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Unable to get your credit report or credit score Credit monitoring or identity theft protection services ( billing dispute, unwanted marketing, problem cancelling Reporting company used your report improperly ( obtained or used for purposes that aren't allowed by law ) Received unsolicited financial product or insurance offers after opting out Report provided to employer without your written authorization Credit inquiries on your report
Consumer complaint received 2015-07-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

my credit report is skewed because of the amount of money owed related to the credit limit. 
I have a XXXX credit card, that had a credit limit of {$13000.00} in 2014. They reduced thelimit to {$9200.00}. This increased my " debt to limit ratio '' to an unfavorable rate. I am penalizedtwice. I did have late payment which I do not challenge. But the ratios that are used do nottake into account the reduction in the new limit. XXXX reason it was reduced- lack of use inXXXX stores.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Capital One Account Number : XXXX
Consumer complaint received 2023-08-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

We were victims of wire fraud involving our CapitalOne account on XX/XX/XXXX. We sent about {$32000.00} to pay what we thought was the remainder of balance on our flooring purchase. We were informed on XX/XX/XXXX by the company that they were hacked with several other customers involved. We initiated recall with CapitalOne on XX/XX/XXXX. We are now at almost 6 weeks and still don't have an answer. We feel we are in the dark. XXXX is unable to help since we do not have account with them. CapitalOne is telling us they are waiting for XXXX to respond, XXXX is only able to tell us and only after filing a complaint that they have responded to CapitalOne. It appears that the two banks are responding but not communicating. We are unable to speak with anyone from Capitalone directly involved with figuring out this wirefraud, only that they will forward my message to the proper department. We have been customers with CapitalOne savings for more than a decade starting in XXXX with XXXX, subsequently taken over by CapitalOne. CapitalOne has used large sums of our funds for their investment with a very miniscule return for the customer.
Consumer complaint received 2018-08-22
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: EQUIFAX, INC. (IN)

I have made several requests for EQUIFAX to verify information they are reporting on my behalf to others on my report. In my written requests for this information I requested them to send me a copy of the information they used to verify the information they are reporting is valid. I requested contact information be sent to me for all debt they have indicated is valid. I ask to have the info verified or removed. EQUIFAX has failed to properly verify the info or its accuracy and provide me with the documents they have used to verify the debt but have sent me responses saying they have verified the debt and it is valid. I sent them several requests in writing in regards to the accounts I will list below. I sent the request both online as well as via mail. The accounts I am listing are either reporting incorrectly or they DO NOT BELONG to me at all. I have requested them to properly report information on my credit report but they have failed to do so and have refused to do so which is a direct violation of my rights. 
Accounts : XXXX XXXX
Consumer complaint received 2021-06-12
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. (CT)

I have paid off my mortage with XXXX. XXXX sent a letter confirming that it is paid off. However Equifax refuses to update the record. They scripted the site so that I can't send them any information.
Consumer complaint received 2021-06-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (NY)

I asked TD bank to assist me in refunding my money from a scammer that coerced me into sending money through what I believed was a job offer from indeed which I applied to. I was given a check for XXXX which I thought was a sign on bonus only to discover it was false after I sent the money back through XXXX because I wanted to decline the offer. I got the check XX/XX/XXXX and deposited it XX/XX/XXXX. A day later I discovered the check was not a valid check and that I was a victim of fraud. I am out of XXXX from the initial sent money plus XXXX from an overdraft I had to deal with as a result of the deception. I immediately contacted TD bank to notify them and ask if theres anything that can be done and they essentially said that theres nothing they can do even after they quickly agreed it was fraud, even though the method I used to transfer the money is from XXXX which is linked to the TD bank mobile app which made me feel safe thinking they had my back if anything happened. To make matters worse I recently lost my job so I have no way of quickly recouping my loss. As a result of this outcome with the bank and general situation, Ive spiraled into a XXXX and havent even been able to leave my bed for days because I feel abandoned and discarded by my bank after I used their official mobile app thinking that in the event of any possible fraud, I would be protected rather than the scammer walking free. I have screenshots from the conversation with the scammer who I thought was a recruiter from indeed as well as any bank transfer information needed.
Consumer complaint received 2018-08-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (FL)

I was charged excessive fees by TD bank for the following dates and amounts : Tuesday, XX/XX/XXXX, in the amount of XXXX dollars, Monday XX/XX/XXXX, in the amount of XXXX dollars, Tuesday, XX/XX/XXXX, in the amount of XXXX dollars and Tuesday, XX/XX/XXXX in the amount of XXXX dollars. This is XXXX dollars in total for over draft fees. I attempted to reach out to a branch employee but When i attempted to go inside he branch, I was advised that they were closed, although there was 20 minutes still left until closing. May you please assist?
Consumer complaint received 2021-06-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

I XXXX XXXX a consumer sent a good will letter to said company Comenity Bank XXXX XXXX ) asking for a removal of late fee that happen XX/XX/XXXX, XX/XX/XXXX and XXXX and XX/XX/XXXX during the pandemic. These negative reporting has caused me a low credit rating as well as not enabling me to create credit for household purposes. I have been with Comenity Bank since XX/XX/XXXX and have worked diligently to stay ahead of all payments. This comapny never sent me anything in writing warning me that they were going to add these negative remarks on my credit UNDER 15USC 1666a correction of billing Comenity Bank never sent me any lettters.
Consumer complaint received 2021-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (PA)

My interest rates are high. I called the companies trying to get a better rate. My credit score is XXXX and I am paying 25.24 % and 21.24 %. When I started with these companies it was 0 % for a period of time. I have always paid my bills but I did not pay close attention to the interest rate. I never expected to get the highest rate but I did. I believe I got this rate because my city is redlined. I am XXXX living in a XXXX area of the city. My husband rate is 20 % and his credit score is XXXX. We both have good jobs and are still work and retired. It not that we can't pay we just want to be treated like everyone else in the country.
Consumer complaint received 2021-06-12
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. (NJ)

I received a call from Citibank on XX/XX/2021 asking about charges made on my account, I was traveling in Florida for work and did not make the purchases. I had the card in my possession and they closed the card told me to cut it up and they re-issued a new card. I have since been trying to get the charges removed, there are three charges totaling XXXX. I have sent them airline tickets, hotel bills for the week that I was traveling for work. I was with 7 other people who confirmed my attendance in Florida and they still have not removed the charges. They sent me a letter saying it was because someone used the card reader, I have asked for video of the person who used my card when I had it. I am still arguing with them and it is on my credit report. I did not make these charges and it is not even in my area. I need help getting them to remove these charges.
Consumer complaint received 2019-10-07
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: EQUIFAX, INC. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-11-14
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (CA)

I have a loan with DEPT OF ED/NELNET. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both 3 Bureaus and DEPT OF ED/NELNET with no successful resolution. 3 Bureaus only reporting me late. There was definitely an error on their  part.
Consumer complaint received 2022-12-16
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. (FL)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be UPDATED and CORRECTED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed items will be updated immediately : 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
Consumer complaint received 2021-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION (CA)

Hi, I have sent in numerous complaints against Navy Federal. I am not satisfied with their responses to the issue at hand being left unresolved. The most recent response from the company regarding the issue is that : A. Navy Federal refuses to investigate the matter further, as being requested.

B. Navy Federal refuses to refund funds lost.

C. Navy Federal refuses to locate the security cameras as requested, and lacks to provide an explanation to why. 

D. Navy Federal refuses to reestablish account.

Navy Federal is refusing to cooperate. What is the reason why? Sounds very sketchy of the company. I will not be calling the security team because for one, I have called them and have not received the help and assistance I need. And two, they refuse to cooperate to resolve the issue on the CFPB platform. Why is that? 

I want this matter addressed to the Security Team Specialist and CC 'd to the president of Navy Federal. I will go above and beyond to make sure this matter does not get ignored. 

There is a specific person needed to locate in the security cameras at the XXXX XXXX, XXXX branch location at the time and date of when the check was placed into the ATM. That footage is to be released to the proper authorities, XXXX XXXX Police Department probation unit, or the DA involved in assisting my case. Why did Navy Federal say they will not release the footage? I need answers, which Navy Federal has failed to do. I have been very specific in details to help the security team in their investigation, which they continue to claim to have unsupported documents and not reinvestigate. This is bad business practices on their end and I will not stop complaining until it gets resolved. 

Questions for Navy Federal : Did your security team ever at least TRY to locate the footage? If not, why? If so, why not release the information?

Why is Navy Federal refusing to cooperate in resolving this matter? 

What is the explanation to why they continue to insist for me to reach out to the security team for questions that can be answered here?

I need letters in writing from Navy Federal explaining all of this so I can send it to the proper authorities as I'm trying to get this case resolved.

I do not, I repeat, DO NOT wish to open a new account with Navy Federal. Please, cooperate regarding this matter. Thank you. The company very well knows my case and have received plenty of documentation to refer back to it. We're not done here. This case is still pending a resolution.
Consumer complaint received 2022-12-04
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. (PA)

According to FCRA section 605B which details your responsibily to block fraudulent information on my credit report resulting from identity theft.
Consumer complaint received 2021-06-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (CA)

On XX/XX/21 my account was hacked and 3 transactions were withdrawn from my account. {$1000.00} XXXX {$1500.00} XXXX and XXXX wire. I'm and XXXX year old man and have never done any wires or XXXX transactions before. I was never contacted by the bank to alert me to the activity and I thought I had filed a claim, but never received any paperwork to confirm it was processed. I went to the branch on XXXX and was the would process a claim. I later called the dispute center and was told the XXXX payments were denied because they could not reach me. This is false I was never contacted and I'm still within the 60 days to dispute the transactions, but I keep getting misdirected on next steps. I spoke to family and Im suppose to be able to file a REG E claim and no documents were every provided to me and no confirmation of my claim. Not only am I being taken advantage of my the people who commit fraud, but also my bank that is suppose to protect my money. The ref numbers I had to call and fight to get to confirm I have some claim is XXXX and XXXX. I was told by family that a REG E claim I should be credited within 10 days on my dispute and I have not received paperwork or a credit for the claims totaling {$12000.00}. I don't know how in the world they could process a wire without ever contacting me. My credit union procedures have measures in place to do call backs and confirm the transaction. NOTHING has been provided to me while I sit and worry about how to get this money back. I believe they are in violation of REG E as they have not provided me any documents for my claim, I had to call 8 times to get the ref numbers. They are taking advantage of my age and the fact that fraud was committed against me and my money was stolen and they did nothing to protect me. I was not aware these transactions were taking place in my account.
Consumer complaint received 2022-12-02
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. (RI)

I filed XXXX  XXXX bankruptcy XXXX of 2019 and have worked with a law firm to repair my credit. Equifax is showing a collection status from HUD home improvement loan. Due to this item being on my report it is causing me to lose out on career opportunities as well as being denied future credit. Per the U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 2. It also states that you can not furnish an account without my written instructions.
Consumer complaint received 2023-04-09
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. (GA)

I recently requested to get a credit increase with XXXX XXXX and they sent me a letter saying I was denied. Equifax Information Services reported my credit score being XXXX which is incorrect. at the time that I asked for the increase for XXXX  XXXX my credit score was and is now a XXXX with Equifax. This has caused me great injury and time.