davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-17
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. (MD)

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (MN)

Wells Fargo recently shut down my credit card without explanation. I contact them and they said there would be a letter in the mail explaining why it was shut down. The letter came and there was no explanation as to why they would close my account. Then on the XXXX, I received a letter that they were shutting down all my checking accounts and my savings accounts. And once again there was no reason shared for shutting down my account. Both times it says that that information is proprietary. My credit score and payment history our excellent, there is no fraud on my accounts, and I've no derogatory marks on my credit. Not providing any explanation as to why my accounts have been closed in not only unacceptable, but has seriously financial impacts. I had to scramble to change all automatic charges to both the card and bank account. By the time I received the letter I had less than a day to open a new checking account at a different bank to ensure I received my direct deposit. Additionally, the closure of all of these accounts hurts my credit and standing at other banks, yet I have done nothing wrong. Wells Fargo should be required by law to tell you why there are surreptitiously closing any account. On top of that, they should be held responsible for the damage they have caused to my credit and my life.
Consumer complaint received 2015-05-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank allowed charged and account changes despite my calling and telling them my account were compromised. My Credit Card provided a line of protection and unfair and excessive fees were assessed, although sometimes waived in my favor. The bank was informed of a stolen debit card, and was supposed to replace the funds in a timely manner. After account numbers were changed at my insistence, the bank penalized me by closure of my accounts.
Consumer complaint received 2015-09-15
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (IL)

My daughter and I sold her car. We were careful to do everything in a public place including a location with video coverage. we were given a cashiers check for {$10000.00} made out to the man who was purchasing the car. He signed it over to my daughter, we have witness and video of this along with receipts. The check was taken to Chase Bank in XXXX Il, and deposited in her account. The cashier at the time said funds were available immediately. On the next day my daughters account said funds were available. On Saturday she called customer service to raise her point of purchase to {$8000.00} to purchase a car. This was approved by Chase customer service. Dealer did not want to run credit card because of charges. We went to XXXX XXXX XXXX branch of Chase to withdraw funds and a cashiers check. They refused us and said account must be placed on hold. We left and went to XXXX branch where we bank. There we were told it is Chase 's policy to not release funds on 3rd party cashiers check unless issuing party is present or can be contacted. This person is avoiding all calls, texts, from us, my lawyer, and the bank. Chase says money will be held indefinitely. This was presented at time of deposit. Cashier took the check and deposited it like nothing is wrong. If I had been told of this I would not have deposited it, I would have gone to issuing bank. 


us, my law
Consumer complaint received 2022-08-09
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. (NE)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2022-09-07
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. (NV)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Reference # : XXXX Closing Date : XX/XX/2014 Liability : {$0.00}.
Consumer complaint received 2017-02-16
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL (TX)

I had furniture store card in 2016. I made my payments every month in 2016 by check. They convert the check into electronic debit. My checking account was debited for each electronic check to card company. 

The card company charged my checking for a second payment every month in 2016. I did not notice the duplicate debits on my account. I thought they were the same single payment. Also, my store credit card statement only showed one payment. When I made the payoff payment in XXXX, I noticed another payment to them came afterwards for a different amount. This is how I learned that they have been charging my checking account for two payments every month and applying a single credit to my credit account. My bank was able to charge back the last two incorrect charges for XXXX and XXXX 2016. They also gave me proof that the second payments per month were ACH for the benefit of a different person. I 've tried twice by phone and twice by sending the credit company documentation, their statements, my banking statements and ACH debits with other persons name as proof. Their reply in all cases is my account was paid in full XXXX 2016. It does not address the issue of taking extra payments every month. They have debited 10 transactions totaling {$2000.00} from my checking account.
Consumer complaint received 2016-04-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (NJ)

I overdrawn my account with a transaction and it posted and was charged the {$35.00} overdraft fee. The next day the bank reversed the transaction and charged me another {$35.00} overdraft fee. If I am being charged for an overdraft fee once for the transaction I should not be charged it again.
Consumer complaint received 2016-09-20
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: TD BANK US HOLDING COMPANY (VA)

We got a call from TD Bank asking us if we have authorized ACH transfer of $ XXXX on our business account. We were informed that the account would be immediately closed and he needed to go to a TD Bank branch to re-open a new account. We visited TD Bank the next day to XXXX the account was still active and the funds had been released by TD Bank. There was no record at the bank of any issues with the account. We filed a police report on Monday, XXXX XXXX, 2016. A new unauthorized attempt was made on XXXX/XXXX/16 for the same amount. No one from TD Bank questioned the new ACH attempt and the only reason it did not go through is because of lack of funding. We did not yet have access to the account at that time so it should have been very easy to catch. This may be a case of insider threat, why could they not stop the transfer? This is extremely frustrating and devastating as a small business.
Consumer complaint received 2015-11-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc. (FL)

I RECEIVED THESE XXXX STATEMENTS, I DO N'T OWE ANY OF THESE, NEVER BOUGHT ANY XXXX PRODUCTS, I CONTACTED THEM AND THEY DO N'T FIND ANY OF THOSE ACCAUNTS, THIS COULD BE AN SCAM
Consumer complaint received 2016-12-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Rent Recovery Solutions (TX)

Although the debit was not justified I had to pay as it was ruining my credit score. I fully paid on XXXX and it is still showing as not paid on my credit records with XXXX and XXXX XXXX.
Consumer complaint received 2015-10-14
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC (GA)

My name is XXXX XXXX and my employer posted our direct deposit on Friday, in which with rushcard I usually get my deposit on Monday night 's at XXXX. My deposit has n't posted, ca n't get through by phone, website not working and no way of contacting anyone about my money. I 'm bout to lose my car. My employer ca n't cut no checks until deposit is returned, my car will be gone by then. The only information is on XXXX on rushcard page, there are so many XXXX angry customers posting about not receiving their direct deposit since last week.
Consumer complaint received 2016-02-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Interstate Credit & Collection, Inc. (PA)

I was never sent any bills, but a medical debt from 2011 for {$930.00} is on my credit report. I was XXXX years old in 2011 and on medical assistance for mental health issues. 

I asked the collections agency, Interstate Credit & Collections Agency to send me proof of financial obligation. They refused unless I gave them my financial information. I would like it removed from my credit report. They wo n't even tell me what it is for and I am not even sure it is real. I was denied private loan for college and a credit card. I was humiliated.
Consumer complaint received 2016-08-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I closed my account with Capital One on XXXX XXXX, 2016 due to fraud activity and overall dissatisfaction with banking services. Since that date, the account was reopened without my knowledge, and several amounts of money were able to be withdrawn ( student loans, phone bill, cable and internet bill, store credit cards ) without my knowledge. I already made all of these payments with my new bank account causing double payments, and these transactions were putting my account in a negative balance when it was supposed to be closed. I have had to endure late payment fees, returned payment fees, and daily phone calls to companies, taking away from my personal and work time. I also spent 2 hours in a branch to be told that a bank manager had " no idea how to return money to a closed account. '' This was followed by a representative on the phone asking for her manager, and the manager also telling me, " I 'm not sure if I can put funds back in a closed account but I can research it for you. '' I was also charged a minimum balance fee for a closed account and am being told I can not get a refund of my own money because the account is closed and managers are not sure how to put the money back. My biggest issue currently is that I paid XXXX XXXX where the payment was unsuccessful and I was supposed to be notified by Capital One that the funds were released back to the bank so I could use the money to repay the violations. However, I received no notification and am now being charged a late fee of {$10.00} per ticket as well as a {$3.00} service fee for both transactions. I now have to dispute these charges totaling {$26.00} with a judge, when this could have all been avoided if the bank had better communication and did not allow my account to be reopened without my knowledge. I ultimately closed this account twice, because of how easy it is for unauthorized transactions to take place on a Capital One checking account and how lightly it is taken by the bank.
Consumer complaint received 2022-02-16
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: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX
Consumer complaint received 2016-05-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (FL)

Credit reporting violations include where your credit report contains information that is inaccurate, disputed, and outdated. However, they have refused to remove. 
Public Record CHP XXXX - 10 years old ( Equifax ONLY ) Child Support Error- 14 years old ( Equifax & XXXX ONLY ) XXXX Bill- XXXX years old ( Equifax ONLY ) XXXX ( Student Loan ) - PAID in full 2010 w/IRS offset. However, I am presently STILL paying in efforts to protect my credit score. ( Equifax , XXXX & XXXX ) If you do n't have any success with these violations of statutes. I would like to pursue compensation for damages suffered ( such as credit loss, higher interest rates and emotional distress ), plus an additional amount up to {$1000.00} per violation, punitive damages, attorney fees and court costs, and often more importantly, allow you to correct and protect your credit report in the future. 
Thank You
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX XXXX, I checked my credit report and the following inquiries were deleted. I logged in today and there are back and my score when down. 
XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Rent XXXX XXXX
Consumer complaint received 2015-08-12
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (MN)

I am writing to dispute a billing error in the amount of {$600.00} on my account. The amount is inaccurate because merchandise was returned. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement.
Consumer complaint received 2019-02-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Avant Credit Corporation (CA)

I received a " pre-selected '' loan amount from Avant providing a web address to go to for a loan approval amount that WOULD NOT require a hard credit inquiry. Their website stated I was approved for {$3700.00} ( I had asked for $ {$3500.00} ) and provided a loan doc for electronic signature subject to credit verification and asked for a bank account number for a next day direct deposit and for eft monthly repayment. I approved and signed the doc and a hard inquiry was made. I was then asked for two years of tax returns after the inquiry was made. Not wishing to provide two years of business and personal multipage tax returns ( I'm self employed but also have business partners ) I cancelled the loan application but am stuck with a hard inquiry. I feel this is a deceptive process. If they were to provide all possible requirements PRIOR TO FALSELY PROVIDING AN APPROVED LOAN DOC FOR SIGNATURE this would have avoided my having a ding on my credit report for the inquiry. 

The company in question is : Avant XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, IL XXXX XXXX
Consumer complaint received 2015-03-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rent Recovery Solutions (TX)

Rent Recovery Solutions, LLC ( File No : XXXX ) is trying to collect a dept on behalf of XXXX XXXX, TX. My daughter was going to share an apartment with a friend several years ago and listed me as a co-signer. I received XXXX prior to her moving in, and she chose to move with me. She talked to the manager at the time and gave them a copy of my orders and also found another person to replace her as a leasee. The manager appreciated us doing that and told us that it was taken care of and there were no issues - issue closed. Several years later, they are saying that we owe them money for rent. We never heard from them in the interim years, and have moved a few times since then. When I asked them how they could even consider charging us for rent when we found another person to live in the apartment, they said they just decided to charge us for a different room without telling us. The new manager from the XXXX emailed me when I called her to complain and said she would look to find the lease and related paperwork and keep me in the loop on the status, but that was several months ago and I have no indication that they ever found any paperwork. They have now reported this to the credit companies and this has negatively impacted my credit right before I 'm closing on a mortgage - and could cost me thousands of dollars. Still, I 'm not going to pay something that I do n't owe. It does n't seem legal to try and collect on something that was never owed, especially after waiting several years to say that we owe money.
Consumer complaint received 2017-02-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (OH)

XXXX, XXXX, Equifax, XXXX, and XXXX set-up XXXX as a means of delivering disputes from the credit reporting agencies to the data furnishers. XXXX does not work!!!! I have had XXXX for numerous years, and have NEVER received a notification of a dispute. Furthermore, I can document instances, that a negative credit blemish was deleted without XXXX notification ... a clear violation of the Federal Fair Credit Reporting Act. XXXX is XXXX!!!!!!!
Consumer complaint received 2017-05-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

XXXX   XXXX   Citizens Bank Account #  XXXX  Overdraft line of credit.
Primary account has been charged off.
It seems like late fees keep getting added on, but when I ask for statements I ca n't get them. The principal never gets paid off.
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I contacted the company, and they said that since I do n't have an account with them, I ca n't get a statement from them.
Consumer complaint received 2015-03-24
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I mailed a certified letter to Capital One on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX asking them to provide me with proof that they provided the Credit Agencies that this account was not lost/stolen and charges were from Identity theft and they have failed to do so. They keep sending the following letter ( attached )
Consumer complaint received 2022-02-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Fair Credit Reporting Act Request under 611 ( a ) ( 7 ), TRANSUNION failed to provide Method of Verification for the item listed below within the time set forth by law, .... 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Open Date XX/XX/XXXX Balance {$1500.00} ; XXXX XXXX XXXX Date Assigned XX/XX/XXXX Balance {$630.00}
Consumer complaint received 2017-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

XXXX XXXX XXXX XXXX has XXXX tax liens listed on my TransUnion report with an address of XXXX, WV. I live in XXXX, WV and that is where I have filed my income both federal and State for the tax years listed on these accounts.
Consumer complaint received 2016-05-03
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: French Financial, Inc. (TX)

I sent a cease and desist letter to Popular Financial several weeks ago and they continue to harass me and use threatening language. The letter was sent XXXX XXXX, 2016. When they call they state they do n't care about what the letter states and harass me over the telephone.