davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Since XXXX XXXX XXXX has been attempting to collect {$620.00} on an account I closed over 7 years ago with Capital One with a XXXX balance. The card was a secured card and the deposit was used to close out the account. In XX/XX/XXXX I expressed my frustration with the original creditor, Capital One, and they agreed with me and gave me a new credit card account! For the past 4 years, however, I have repeatedly disputed the previous account with XXXX XXXX and they have not been able to provide me with substantial docs necessary to substantiate the debt. 

On XX/XX/XXXX I filed a formal complaint with the IL XXXX XXXX XXXX XXXX regarding this matter. I was told that per law XXXX XXXX is to provide the following docs to me in writing. 

1. Original Contract between me and Capital One 2. Payoff disclosure provided at the time I opened the account 3. Interest rate disclosure 4. Balance history 5. Payment history 6. Credit insurance disclosure I have requested these items from XXXX XXXX and they have refused to provide them. I demand that PER LAW they either provide these docs or delete this account from my credit report.
Consumer complaint received 2020-09-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I am trying to use the score boost on experian but run into a security issue while logging into my bank through experians website. this is incorrect as i am correctly entering all security information to allow access to my bank. when i call experian the automated system hangs up on me after it verifies my identity but refuses to all me to do anything besides report fraud or request a credit report. for something which drastically effects my life and well being as my credit score, id like to be able to talk to someone. now. it is incredibly ridiculous that you stomp on us consumers like this while turning a profit off our backs.
Consumer complaint received 2020-10-22
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. (CA)

XX/XX/2020 Complaint to the Customer Protection Financial Bureau regarding CitiBank. 
While retired for 7 years, I was an executive in the financial service industry with a focus in internal audit and compliance. I find this story truly outrageous. 


SUMMARY A {$230.00} merchant transaction occurred in XX/XX/2020, and upon receipt of the product it was deemed not as described. The merchant was contacted the next day in writing and an auto response email promised to address the matter. This was followed by several more written communications to the merchant asking for assistance and resolution. The merchant did not respond to any of my communications or make any attempt to resolve the matter. 

The charge was then disputed with my credit card provider - CitiBank. CitiBank was provided with copies of all the failed merchant contact attempts. 

Ultimately, the merchant simply ignored the issue and falsely asserted to my credit card provider that they had zero contacts with the  customer ( me ). 

Eventually, CitiBank closed the dispute by stating we can not mandate that the merchant issue a credit outside their terms and conditions. However, neither the merchant or the credit card provider has communicated what terms or conditions were not met. 


DETAILED DESCRIPTION Read first the attachment titled " Complaint Detailed Description '' for dates and chronology The Complaint Detailed Description is fully supported and evidenced by the attachments A, B, C and D.
Consumer complaint received 2018-09-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I received an offer in the mail to get a {$400.00} bonus if I opened a new Platinum Checking account by XX/XX/2018 and made a single {$1000.00} direct deposit within 60 days. I opened this account in branch and the specialist helping me took the mailer from me that I received and entered the Offer Code assigned to me online as required. 

The offer states the {$400.00} bonus will post to the account within 90 days after the direct deposit posted. 

I opened the account on XX/XX/2018 and a direct deposit of {$2500.00} posted on XX/XX/2018. 

I've tried communicating with Citizens Bank multiple times via their secure message system - they never get back to me or tell me to wait longer. Their phone system is a mess.
Consumer complaint received 2018-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/XXXX ( a bank holiday ) I deposited a money order for {$190.00} at a Wells Fargo ATM. The receipt indicated that the funds would be available on XX/XX/XXXX, unless an additional hold was required. 

On XX/XX/XXXX, the transaction posted to my Wells Fargo checking account, accompanied by a transaction reversing the deposit. I contacted Wells Fargo on XX/XX/XXXX by phone, and was told that money orders must be deposited inside a branch, and that the money order would be returned to me via postal mail. 

On XX/XX/XXXX, I contacted Wells Fargo again by phone. The representative was unable to offer any information as to the reason for the reversal or what I should do, and suggested I visit a Wells Fargo branch. I visited a branch that afternoon ( the branch where the original deposit was made ) and spoke to a banker. The banker indicated that the money order was in transit and I would receive it soon. I could then return to the branch with it in order to make the deposit. 

On XX/XX/XXXX, I received mail from Wells Fargo " ATM Deposit Exceptions ''. The subject indicated " Check enclosed and deposit amount adjusted for your account ending in xxxx ''. The letter indicated the the check was not accepted because it was a " Non-Negotiable Item '' and that they were enclosing a COPY of my check. 

This leaves me with no options for receiving the {$190.00}.
Consumer complaint received 2020-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (NY)

On two occasions, once in XXXX and once in XXXX, I believe, at the recommendation of coworkers, I opened a checking account with KeyBank and funded them as per my obligation to do so. 

Within a short period of time, my accounts were closed and I was told that some information couldnt be verified. 

Therefore, the accounts were closed without my notification and my funds were held by KeyBank. A total of close to {$200.00} was held.

I had to make numerous calls to get my funds returned because KeyBank couldnt locate my accounts. Poor record keeping! 

On XX/XX/XXXX, I went to my local KeyBank branch to again, attempt to open a checking AND savings account. I thought all was well this time around. 

On XX/XX/XXXX, my employer directed deposited {$500.00} into my checking account and on XX/XX/XXXX, my {$500.00} was gone! My paycheck, my livelihood, was gone!

I called KeyBank and was told a restriction was placed on my account, so my {$500.00} was being held due to negative banking history. Unless this is a tactic to not give me the {$200.00} promotion???? 

I asked to speak to someone in the fraud department and was denied that request and was told by customer service that theyre not allowed to speak to me and that I had to visit my branch. 

What negative banking history could I have had, when it was KeyBank who closed the accounts on me and held my funds and made me jump through hoops to get them back? I barely had a week to use those accounts before they were closed on me! So how could I have done anything wrong???? 

I want my {$500.00} and the combined {$20.00} in my checking and savings account returned to me immediately! This isnt the time to be stealing money from clients. I could have gone to XXXX  but because the municipality I work for recommended KeyBank, thats why I went to them! 

Now Ive had 3 bad experiences with KeyBank! 

I want this matter resolved ASAP! I have no issues publicly voicing my experiences with KeyBank to prevent this from occurring to anyone else!
Consumer complaint received 2018-09-18
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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (PA)

On XX/XX/18 I purchased a XXXX recliner. Their Sales Associate, offered me a 14 % discount if I opened a credit account. So I agreed, and purchase several other items as well. The paper bill arrived on XX/XX/18 and it was paid in full on that very same day, online, via my Bank. 
Sometime later, I used my credit card again, to purchase a gift for a friend. I dont remember what date that was, since Ive never received a bill for it. And since I never received a bill, I totally forgot about it. I was made aware of it, when I received an email on the evening of XX/XX/2018. I called the number indicated, but the offices were closed. I called back the morning of XX/XX/2018, and was told that I owed an overdue balance of {$100.00}. which was a total shock to me. That amount was the total cost for a {$49.00} purchase and two months of late fees. 
Well, I never received a bill. Apparently, the e-bill went to my Spam folder and disappeared after a few days or so, because I never open spam mail. I never received a late notice in the mail. And I never received a courtesy call notifying me of an overdue bill. I had no idea this was going on. As soon as they made me aware of it, I paid the {$49.00} that day online, via my Bank. I called the Credit Department back again, yesterday, requesting that they remove the late charges and the 30-day delinquent post on my credit history ; they agreed to remove one of the late charges but were unable to remove the delinquent post. So I immediately paid the remaining late charge of {$22.00}, and my account is now paid in full. I was directed to contact their credit department in writing to dispute this erroneous delinquency, and request the removal of the 30-day delinquency of my account. All of this has been a result of miscommunication, as I would never intentionally NOT pay a bill that I owed. They have flatly refused to do so.
Consumer complaint received 2018-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The account of XXXX XXXXXXXX XXXX account # XXXX has not been validated. I have asked XXXX XXXX and XXXX also XXXX XXXX XXXX to provide me proof of this debt bearing my signature and all i receive is a a letter from the credit reporting agencies saying that its accruate and then a itemized list of charges from XXXX XXXX. What is that? that doesnt tell me anything? .. By law i am allowed to asked for this information and it is to be provided. I have written letters and nothing is getting done. I wrote a letter on XXXX XXXX i wrote XXXX XXXX and they sent me and itmeized list of charges. look at the attached credit reports from bureaus. they are all different and reporting inaccrurately and violates my consumers rights to have accurate information on my credit reports be 100 verifable at all times FCRA. 

account is charged off -- XXXX co date XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX and how is there a usage on a closed charged off account? it cant be past due ... dofd is not accurate on all 3 bureaus. 
2 bureaus dont have no high balances reported etc
Consumer complaint received 2020-10-22
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC. (MA)

I leased a 2017 XXXX XXXX for XXXX and my leased expired on XXXX XXXX. Because of the pandemic Ally Bank extended my lease for 150 days with the lease expiring XXXX XXXX. They kept my lease payments the same for the 5 months. Now I want to buy the lease and Ally Bank is saying lease buyout is the same amount it would have been in XXXX. When I called them to discuss why the 5 payments were not deducted from the XXXX buyout amount they said the money was use to extend to keep the lease. I asked why {$1800.00} I paid over the XXXX payments would not come the buyout off since on the lease extension email it was not mentioned. they repeated it was to have the lease. Does not make sense
Consumer complaint received 2020-11-03
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. (NC)

I have asked the credit bureaus to remove these accounts that do not belong to me. I have asked for documents to show that these accounts belong to me and I have not received them. I was not notified 5 days prior to these accounts being placed on my credit report. According to the FCRA and FTC, I am supposed to receive a letter about these accounts and I have not received any notifications about the accounts listed below XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

On XX/XX/XXXX i get a fraud alert thru Identity guard about a collection that i do not have with this company which is I C System Inc. in amount of {$210.00} unknown what its for so i did my research thru Secretary of State in Texas and see they are not bonded in Texas and can not collect a debt in Texas i used the physical address and the pobox address and they can not be located so meaning not bonded in state of TEXAS TO COLLECT DEBT and i request this come off my credit file immediately so according to Secretary of State Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State
Consumer complaint received 2020-10-12
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. (CO)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$5400.00}.

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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account.
Consumer complaint received 2018-09-18
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: Malen & Associates, p.c. (NY)

I spoke to Malen & Associates for my XXXX XXXX credit account that I have court payment agreement to pay {$40.00} a month. The lawyer at Malen received a prior complaint, however, he wasn't willing to negotiate removal of the charge-off. I have a payment agreement and I want my credit report to show I'm paying the debt and its no longer a charge-off. He refused. 

In all fairness, I am doing my part to rectify the payment of the debt. However, as a consumer, I want my credit report to reflect accuracy. ITS NO LONGER A CHARGE-OFF. Stop denying me my right to a fair report.
Consumer complaint received 2024-05-27
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Halsted Financial Services, LLC. (CA)

On XX/XX/year> at XXXX my daughter, XXXX XXXX XXXX an email from Halsted financial services addressed to myself regarding my debt. It had my account number listed and the amount of debt I owe, and the payment arrangements in which could clear me from said debt. I called and spoke to XXXX different people. Each person apologized for their mistake and said they would remove the email but that was all they could do for now however the last man I spoke to, stated my account would be paused temporarily until they can " get to the bottom of this '' I informed them that what they did was illegal and they violated my privacy by sending that information to my daughter. The people I spoke to admitted I was on a recorded line and also admitted to their mistake. Now my XXXX who has no business knowing my information knows about my debt amount and has my account number.
Consumer complaint received 2020-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2021-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (CA)

I have had an account with BBVA since XX/XX/XXXX. The bank has made it impossible for me to access my account, transfer funds ect. They have a policy that even thought you verify your information over the phone you have to go into a branch to update your phone number. BBVA has limited branches and if someone like myself lives out of town sometimes there is no physical way to get to a branch if I try and update my phone number on the app or website it keeps trying to send a sms to the old number but if I known longer have the phone number I cant verify it. Like most banks verification numbers are send to either a mobile phone number or email. On XX/XX/XXXX tried to open a new checking account over the phone I provided my updated phone number. My email, address stated the same. So I received a email on today XX/XX/XXXX from BBVA asking me to review documents and sign them. The documents were locked and asked for a sms to be sent to my phone number. It was a phone number that wasnt mine. I have reason to believe that BBVA does this intentionally. Over the course of the year I have had this account my account has been compromised on several occasions. The bank changes my information internally with my information. When I called customer service I was told that my application was completed via mobile app but I never completed a new checking account application via mobile app. I did it with a customer service representative because they were supposed to attach my old debit card to the account and transfer my balance to the new checking account.