davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

On XX/XX/XXXX i noticed fraud on my account from company called XXXX XXXX  for following transactions {$43.00}, {$28.00}, {$72.00} to which i called reported the fraud and filed a claim and WON ... because it was not my charges..they also placed a stop on XXXX XXXXclaim # XXXX Then on XX/XX/XXXX the same person or company who committed the above fraud put through the Same transaction amounts AGAIN {$43.00}, {$28.00}, {$72.00} only this time under XXXX XXXX!! so i called BANK OF AMERICA letting them know it happened again under different company name for same amounts opening a claim # XXXX ONLY this time they denied the claim for XXXX XXXX saying it was a duplicate they already paid and resolved.. it was not they took away the provisional credit in the amounts of {$43.00}, {$28.00}, {$72.00} on XXXX XXXX denied my claim. 
after calling to reopen the claim 4x with further explanation from managers in writing to an escalation team ... they said it would be corrected and then later 4x they sent me a message saying claim has been closed NOT PAID.. this is wrong and unprofessional in nature due to the clarity of the two fraud cases. 

XXXX XXXX
Consumer complaint received 2017-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (NY)

I have a checking account through TD bank. Recently my account was overdrawn due to several transactions from a previous week hitting my account. I asked several employees if the " available balance '' was what I could use without overdrawing my account. I was told yes by all employees I asked, obviously this was false, considering I got charged {$170.00} in overdraft fees. I spoke to someone on the XXXX of XXXX, they credited my account with half of the fees, told me my new balance, and everything was all good. Now on the XXXX of XXXX they charged me another {$70.00} in overdraft fees for two transactions that went through, now there was enough in my account to cover these transactions. So now, my account is overdrawn again, with five pending transactions that will also incur fees, although I had enough to cover these purchases. I also have it set up so my account should not be getting overdrawn, the transactions should be declined. So if there was not enough to cover the charges from the first two transactions ( there was ), the other five should never have been approved. I was told the available balance on the mobile app was up to date and what is available to you without overdrawing. Which has proven to be completely false and misleading.
Consumer complaint received 2020-09-20
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$16000.00}, {$8300.00}, {$8800.00}, {$19000.00}, {$17000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 


-- INSTALLMENT LOANS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

4. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

5. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account.
Consumer complaint received 2020-09-20
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$16000.00}, {$8300.00}, {$8800.00}, {$19000.00}, {$17000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 


-- INSTALLMENT LOANS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

4. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

5. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account.
Consumer complaint received 2020-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

I have a XXXX account that is showing two missed payments, for XX/XX/2017 and XX/XX/2017. This is grossly inaccurate and I feel as if it is an attempt to keep my credit score held down, as an effort for me to be FRAUDULENTLY charged higher interest rates. These late payments need to be removed bc XXXX is fraudulently considering them late. Ive reach put to bank personnel several times and no one can seem to tell me why these late payments are still appering on my credit report. My next step would be to escalate this matter.
Consumer complaint received 2020-09-20
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. (AL)

I have a XXXX account that is showing two missed payments, forXX/XX/2017 and XX/XX/2017. This is grossly inaccurate and I feel as if it is an attempt to keep my credit score held down, as an effort for me to be FRAUDULENTLY charged higher interest rates. These late payments need to be removed bc XXXX is fraudulently considering them late. Ive reach put to bank personnel several times and no one can seem to tell me why these late payments are still appering on my credit report. My next step would be to escalate this matter.
Consumer complaint received 2020-05-17
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: Experian Information Solutions Inc. (IN)

I've reported the fact that my identity has been compromised, stolen and misused and maybe sold on the black market. However, even with all the credit reporting data breachs my information has been compromised. I've also requested for a Method of Verification in this process / investigation. The name and title of the person ( s ) investigating this. The time and date of the investigation. Also the means used in the investigation. I'm demanding that these unauthorized accounts be removed and blocked from my credit files. 

1 ) XXXX XXXX XXXX {$1700.00} 2 ) XXXX XXXX XXXX {$560.00} 3 ) XXXX XXXX XXXX {$800.00} 4 ) XXXX XXXX XXXX  5 ) XXXX XXXX  6 ) XXXX XXXX XXXX XXXX XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXX XXXX 10 ) XXXX XXXX XXXX
Consumer complaint received 2020-09-20
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$16000.00}, {$8300.00}, {$8800.00}, {$19000.00}, {$17000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 


-- INSTALLMENT LOANS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

4. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account.
Consumer complaint received 2020-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (IL)

A debt in the amount of {$330.00} from a creditor I am unfamiliar with is reflecting on my credit report. I have reports that were submitted to the FTC due to being a victim of identity theft which has lead to unauthorized accounts being opened in my name using personal information. This account does NOT belong to me and I have contacted the lender as well and made them aware of this information.
Consumer complaint received 2020-09-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

This is not a duplicate complaint! This is a request of documents and information. This is a complaint because Capital One is not sending documentation and information on the account. 
I request method of payments on the account. Specifically, the methods of payments used that bounced. The bounced payments then afforded this person to continue using the card and allowed the credit limit to be exceeded. 
Please, I need method of payments, accounts used, name of these accounts, IP Address, etc. Please call if you do not understand. 
I have already sent sheriffs report, FTC identity theft reports etc., and your denial of fraud continues. The documents and information I am requesting will reflect a pattern, the identity of a person, and allow me to update the sheriffs report, and allow me to pursue. I have repeatedly requested this information and you are hurting and preventing me to establish the fraud. 
Again I ask, please call if you do not understand my request.
Consumer complaint received 2020-11-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (DC)

SunTrust will not close my account! They keep making excuses that I have to deposit money or that they have to wait for items to clear. I have tried several times asking them to freeze the account, calling over the phone, coming into a branch in person. Even when Im standing here in person with enough cash in hand to bring the balance to XXXX, they refuse to close the account claiming that they cant and asking me to come back tomorrow.
Consumer complaint received 2017-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

*XX/XX/XXXX- Spoke to Transunion about removing a " Consumer Disagrees '' in the comment section on all 7 of my paid off student loans. * Spoke to Transunion on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Spoke to XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and I even have a letter from XXXX stating that " All Loans have been paid in full. '' This is truly frustrating as I am now trying to buy a home, and all 7 of the " Consumer Disagrees '' are harming my chances of getting a great APR.
Consumer complaint received 2020-05-06
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. (GA)

I requested a papy copy of my consumer report because I was getting alerts of severe delinquency that was affecting my credit score. I recieved a report from Transunion and noted inaccurate information. On XX/XX/2020 I mailed a certified letter to Transunion asking them to reinvestigate an incorrectly reported account on my consumer report. I recieved a response dated XX/XX/2020 with an additional copy of the updated copy stating " Verified as Accurate ''. Having this serious delinquency being reported has impacted my credit worthiness and caused me to pay higher interest rates and be denied lines of credit. Transunion violated my consumer rights according to 15 U.S. Code 1681b.a ( 2 ). I have been caused great financial harm and emotional strain due to this inaccurate reporting and unwillingness to correct my report. As a veteran of the United States XXXX XXXX this information misrepresents who I am as a responsible consumer.
Consumer complaint received 2020-05-17
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (NJ)

Purchase made online with merchant on or about XX/XX/ 2020 in the amount of {$380.00}, this should have been processed as a 6 months interest free option, providing that if I pay this in full within this period, I will not pay interest. This somehow was processed as a regular purchase. In fact, a purchase after the one mentioned above in the amount of {$140.00} was processed on the promotional plan.
Consumer complaint received 2020-05-17
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OH)

I have done business with this credit issuer for nearly 7 years. I have always had 100 % on time payments and have paid the balances off, utilized the card multiple times, and paid the balances off again. Synchrony closed one of my accounts last year ( after I had paid it off, used it, and paid it off again and had a XXXX XXXX ), saying  they had checked my credit report recently and considered me to be high-risk. I admittedly had kept high balances, however, again, I pay my cards on time, pay balances off and then utilize my cards to try to build my credit up. I have been paying my cards down and lowering the overall balances on the cards. Today I received notification that Synchrony closed another one of the accounts they service. I have had the card since 2013. Ive used it multiple times and paid it off multiple times, most recently back in XXXX of this year. From reading reviews of Synchrony by other customers, this is a common practice Synchrony engages in - closing accounts of customers that are in good standing and that have been utilized for years due to a perception of the customer being high-risk. I understand financial institutions are afraid customers wont pay their bills, however, I have ALWAYS paid my bills on time and for Synchrony to do this to me not only reflects badly on my credit, but it makes me lose my faith in dealing with financial corporations. I work hard to build my credit and for this company to deal with me in this way is just very disappointing.
Consumer complaint received 2021-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (TX)

On XX/XX/2021 the posted balance on my account was {$200.00}. On XXXX 's mobile app the next transaction is shows as occurring on XX/XX/2021 which is an ACH automated debit. However several transactions occurred prior to the ACH transaction which were Credit Sales and did not immediately reflect in the actual balance, " but they should have since they were not POS transactions ''. It appears that XXXX deliberately charged an overdraft fee when their system did not reflect a true balance following credit charges which must be approved at the time of sale and reflect as deducted. For example " all of the transactions in question are listed as occurring on XX/XX/2021 when the funds were charged " on different dates and times '' and set aside as Credit Transactions, these Credit charges should have debited from the account at the time of purchase, " Credit is Credit and POS requires a Pin Number and may have pending holds. My point is XXXX did not reflect an actual true balance following Credit Charges based on funds available " it is approved or declined, when you do not have enough money on a credit card transactions are declined ''. By manipulating the posting date of the credit XXXX transactions to XX/XX/2021, they are able to charge a {$38.00} for the ACH transaction and profit using this manipulation. If the online mobile application had reflected the actual true balance I could have simply used my other bank " which never does this to me '', or deposited funds to avoid the manipulated applied {$38.00} fee. To be fair, " I am a customer who will seek legal recourse and/or relief for such manipulation from banks. Banks will always claim to be in the right, but holding Credit transactions as if they are POS Debits is unfair to consumers. XXXX posted 10 transactions on XX/XX/2021 and decided to place the ACH Payment BEFORE the other transactions to benefit from a {$38.00} fee. Here are the transactions and dates " ALL CREDIT '' none were POS Debit. 

XXXX XX/XX/2021 Charge - XX/XX/2021 Charge - XX/XX/2021 Charge - XX/XX/2021 Charge - XX/XX/2021 Charge - XX/XX/2021 By placing the ACH transaction first they are able to manipulate the available balance. Had the actual balance been correctly reflected after each CREDIT transaction I would have known to deposit additional funds.
Consumer complaint received 2017-08-08
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (PA)

Ocwen made me sign a modification loan that expired in XXXX of 2017. The deal was to pay them {$100000.00}. Of course, I do not have {$100000.00}. Ocwen has been trying to take my house for 10 years. I am exhausted from their harassment. When I first got the loan, 20 some years ago, they kept my first 6 payments. They then kept me in arrears. I did make those payments. My accountant wrote several letters stating that I did make those payments. We have proof that the payments were made. They also put me in foreclosure several years ago when they were n't supposed to. Now they have me in pre- foreclosure going into full foreclosure, because they refuse to give me a modification loan. I lived in my house for 33 years. This should n't be. I am XXXX and do not want to leave my home. I hope you can help me stay in my home. They refused to take my Mortgage payments since XX/XX/XXXX.
Consumer complaint received 2017-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (OH)

This was an auto loan taken out by my ex husband ( regency finance co. ). Not only has it been closed and charged off but happened in 2010. We have been since divorced, and it shouldnt be on my credit report
Consumer complaint received 2021-02-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

I received a correspondence letter from Portfolio Recovery XXXX, XXXX, dated XX/XX/XXXX, and that it was an attempt to collect a debt for a specific amount. On XX/XX/XXXX, I submitted a written correspondence, via XXXX, to the Company advising, " Please cease and desist any and all future correspondences and attempts to collect on this account and any other account from Portfolio Recovery XXXX, XXXX and/ or its subsidiaries. Thank you '', along with my written signature and date ( XX/XX/XXXX ). I, again, received a second correspondence letter from Portfolio Recovery XXXX, XXXX, dated XX/XX/XXXX, and that it was an attempt to collect a debt for a specific amount. On XX/XX/XXXX, I submitted a written correspondence, via XXXX, to the Company advising, " Please cease and desist any and all future correspondences and attempts to collect on this account and any other account from Portfolio Recovery XXXX, XXXX and/ or its subsidiaries. Thank you '', along with my written signature and date ( XX/XX/XXXX ).
Consumer complaint received 2020-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/XXXX XXXX, I used Capital One credit card to make a pre-order purchase for XXXX. It was declined subsequently numerous times. Calling the call center, it turns out they deactivated my card without a consent and activated a new card I have not received. A credit card 's principle is reliability in purchasing ability, and Capital One failed to accomplish the very basic financial duties. I asked for a closure of an account or the annual fee waiver, and I got a very bad rep attitude saying I need to call her back after XX/XX/XXXX ( the account closure ) date to process this request. I have been on hold for 3 hours today just to get hold of anyone. The account is currently charged with the annual fee. If this complaint does not resolve, I am willing to take this to a small claims court where my hourly fee will incur.