davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Citi sent me a letter stating that I needed to verify some details about my business. There was no return envelope, the letter itself looked fraudulent because it did not come in a typical Citi packaging. I called Citi to ensure this letter was real. I filled out the letter and went to a local Citi branch to fax out letter ( branch had to physically verify if the letter was genuine ). The next day after sending the letter my account was closed. I called Citi as to why and their only response is " account is under review ''. No other reasons were given, no timeline was given. It's now been 2 weeks. I have automatic payments set for my business on this card and now I can't access anything. Continually calling Citi I get the same answer that my account is under review with no other details.
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I noticed a charge on Capital One Savor card from a XXXX restaurant, XXXX XXXX XXXX, on XX/XX/XXXX for XXXX. I had never heard of this restaurant. It's located about XXXX miles from my home in a town I had not been in for several months. I contacted Capital One. They removed the charge and immediately added it back. Capital One is convinced that my chipped card was presented for the transaction. My card has NEVER been out of my possession. I did not make this transaction. I spoke to them again yesterday, XX/XX/24. After speaking with XXXX different people I ended up with a fraud " manager. '' He said their opinion is the charge was legitimate and there was nothing more they could do. HIs name was XXXX. He could not provide his last name. After I asked if he was the only XXXX at Capital One he did provide me with what he said was his ID #. It was XXXX. I explained to XXXX that I charge roughly XXXX to XXXX dollars a month on my two Capital One credit cards. I noted that it should be considered highly unlikely that I would lie about a XXXX charge and it seemed strange that they would be OK with me closing my accounts due to this amount. He insisted he couldn't help. I can only conclude that their fraud investigation is not effective and I will no longer do business with them.
Consumer complaint received 2024-04-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Credit Karma (NM)

At XXXX I received an email from Credit Karma Spend stating my account was locked due to protection concerns and to contact customer service. I contacted customer service twice at XXXX XXXX  and XXXX XXXX. Both calls the representative was able to fully authenticate me as the owner of my account, but refused to explain why my account was closed. They did not attempt to verify any suspicious activity as was reported and continued to direct me to wait for an email from a higher department. I was not offered the chance to transfer my funds to an available account and I was told the only option is to wait on an email and full account closure in 7-10 business days with absolutely no explanation.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

As far as I understand, FCRA 605B mandates the removal of inaccurately reported accounts from credit reports. I'm unsure about the details, but I urge you to examine the accounts provided in the documents. They're inaccurately reflected on my credit report, with incorrect account details and statuses. This situation has left me feeling upset and unwell. Your help with this matter would be greatly appreciated.
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MI)

On XX/XX/XXXX, Wells Fargo credited my credit card account with the amount {$660.00}. This was a random erroneous credit that I did not initiate in any way. 

This temporary credit then negated my autopay scheduled for late XX/XX/XXXX. This then caused me to miss my XXXX monthly bill. Wells Fargo did not email or text me about any of this ( despite my election to paperless notifications ) and only sent me a physical letter months after the fact, which received XX/XX/XXXX. 

This late payment then caused Wells Fargo to freeze all my rewards points, fine me, and report to the credit agencies a missed payment as being my fault. This then lowered my credit score over 100 points. 

And after hours on the phone with Wells Fargo on XX/XX/XXXX, they promised to fix it and follow up, but still nothing has been addressed about this erroneous late payment report on my credit statement for two weeks. When I talked with Wells Fargo on XX/XX/XXXX, they didn't seem to believe any further action on their part was necessary, so I had to initiate the process of requesting they fix my erroneous credit report all over again.
Consumer complaint received 2017-01-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I opened bank account at Bank of America a month ago. Today I tried to deposit a check, and realized that they closed my account. I visited a branch, the banker did n't know why and he called somewhere ( maybe headquarter? ), but they did n't tell me why they closed it. The banker said that they just decided to close it-It really frustrated me. The only thing I did after opening it was making donation. There was no overdraft and I did n't do anything wrong. 
I XXXX about " account closed '', and just found out that it could affect me to have problem to open account at any bank.
Consumer complaint received 2024-03-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NC)

Chase is inadequate with keeping up to date credit reporting g on my account and payments are taking weeks to clear. It is both unfair and unjust to continually be subjected to lazy workers who dont update my credit account and further more have charged me unfair late fees
Consumer complaint received 2024-03-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TekCollect Inc. (CA)

I am formally requesting debt validation under 12 CFR 1006.34 ( b ) ( 5 ). Despite this request, Tek-Collect , Inc. has proceeded to place this collection on my credit report in the amount of XXXX XXXX without providing me with the opportunity to dispute the account as stipulated by 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ).

Furthermore, I am requesting the purchase agreement between Tek-Collect , Inc. and the original creditor to verify the legitimacy of their claim. It is essential for me to review this agreement to understand the basis upon which Tek-Collect , Inc. is attempting to collect this debt. 
In addition to the purchase agreement, I am also requesting proof that Tek-Collect , Inc. is licensed and bonded. It is crucial to ensure that they are operating within the bounds of the law and possess the necessary credentials to engage in debt collection activities.

Moreover, I assert that Tek-Collect , Inc. is violating my consumer rights by utilizing false and misleading information in their collection efforts. The collection agency lacks authority to furnish any account to a consumer reporting agency without providing the necessary disclosures mandated by law. This action is in direct violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S-2 ( 7 ) ( A ).
Consumer complaint received 2021-01-20
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. (PA)

I have recently disputed an account that is not mine on Equifax I would like them to resolve the dispute in a timely manner. I have filed a ftc report to support my claim so there shouldn't be any problem when removing this account from my credit report.
Consumer complaint received 2020-05-11
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: Experian Information Solutions Inc. (GA)

Hi I filed a complaint with Experian XX/XX/XXXX and XX/XX/XXXX I never received any correspondence from Experian According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify,.
Consumer complaint received 2016-06-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2024-03-10
Product: Credit 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: BARCLAYS BANK DELAWARE (NY)

I was charged for something i didn't authorized and I disputed at once and the XXXX  card company didn't accept my dispute on the charge and I needed to reopen the case and they closed it again throwing the responsibility on me
Consumer complaint received 2021-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion dropped my credit score 9 points, for no apparent reason. I have $ XXXX of open credit on four credit cards, a total of {$1200.00} owing on all four together, and they could not explain why. I have opened no new accounts, they said I have too many balances owing. It makes no sense to me, and the rep could not/would not explain why by score was dropped. I can find no action of mine to have precipitated this reduction or extraneous accounts. Why did they do it? They stated on my file, " too many balances ''. There is a total of {$1200.00} on my cards, out of the $ XXXX available. How does this make any sense. None of the other credit agencies made reductions to my scores, ( XXXX  XXXX and XXXX  XXXX XXXX.
Consumer complaint received 2024-02-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

I have XXXX capital one credit cards and I had fell to a hardship due to Covid 19. I setup arrangements last XXXX with capital one bank to get my accounts back on track with making my timely on time payments. I was assured that if I stuck to there payments arrangements with ea card for XXXX of on time payments that they would make sure all of my accounts become up to date with my payment credit history showing no late payments. And I have been doing that I finished my agreements to have my accounts say back in good standing. Capital one said XXXX I completed the program it will report any payment late from credit bureau to be on time never late. I called them after the cause I seen like XXXX late payments which they promised after completing the program they would report all payments late to never late on time. The representative over the phone I talked to told me she couldnt do anything and I told her that what capital one told me as part of the agreement I set up with them. And currently I still pay on time and they keep reporting my payments late.i want them to stop reporting my on time payments late and to report all ever payments I made with them on time never late as per the agreement I have with them.
Consumer complaint received 2021-10-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (AL)

I called in to obtain information on why this item is on my credit file. I gave the rep my account # and was told to call XXXX she does not have any relevant information she could give me to assist me. she just disconnected the line.
Consumer complaint received 2024-03-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (VA)

Dear CFPB, I am writing to inform you of a dispute I have with my credit report. I have identified inaccurate information on my report from ( XXXX, XXXX, and XXXX ). 

Dear RESURGENT/LVNV FUNDING, I, XXXX XXXX XXXX am disputing all debts owed. I am also writing you this letter to revoke all means of communication with me via email, text, mail, calls. 

RESURGENT/LVNV FUNDING Collection Agency did not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but they placed a collection on your consumer report. 

I have not have not been given the opportunity to dispute account according to law 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is currently violating my consumer rights by using false misleading, misrepresentation and deceptive means. 

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law, RESURGENT/LVNV FUNDING is in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) Also, I request that this debt be validated by furnishing my orginial purchase agreement between RESURGENT/LVNV FUNDING and the original creditor. I am also requesting RESURGENT/LVNV FUNDING furnish their licensure and bond to collect this debt from me. 

I request that ( XXXX, XXXX, and XXXX ) investigate this dispute and remove or correct the inaccurate information within 30 days. 
Thank you for your time and assistance in this matter. 
Sincerely, XXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (PA)

LVNV Funding LLC filed a Civil Complaint against me in District Court over a Credit Card Debt i owed XXXX XXXX  during Covid/Coronavirus Pandemic. Im suppose to appear XX/XX/year>. I was never advised legal action was going be taken. They are trying to XXXX and intimidate me. I was orginally paying the Credit Card at XXXX XXXX XXXX XXXXXXXX until the Virus hit and XXXX 's closed permanently. i became unemployed, everything was closed and the card was lost or stolen. I was a victim of a Natural Disaster.
Consumer complaint received 2019-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (CA)

Collection company Caine & Weiner ( file number XXXX ) placed a debt on my credit report that doesn't belong to me. XXXX XXXX XXXX, the collector of my account at Caine & Weiner, informed that they provided the correct information for the person that they were looking for ( wrong address, birthdate, and license number ), but XXXX entered the wrong information and placed it on my credit report. When I talked to a rep with XXXX they blamed Caine & Weiner, and said they would have to submit information to correct it. Meanwhile i'm stuck with a negative account on my credit report that doesn't belong to me.
Consumer complaint received 2022-09-21
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. (MI)

In accordance with the Fair Credit Reporting Act, XXXX  XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting ActXXXX XXXX XXXXXXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX bankruptcy discharged Reference number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions The following accounts are all fraud and need to be deleted from my credit report immediately.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: The CMI Group, Inc. (FL)

I recently noticed that I am a victim of identity theft, and I am requesting an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit information or applications will be approved or issued until the lender first verified my identity.Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and XXXX ( a ) ( XXXX ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN XXXX BUSINESS DAYS
Consumer complaint received 2024-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (FL)

have a collection account on my credit from XXXX XXXX XXXX that i have disputed several times because i never had an account with them, despite that after futher looking and investigating i found out this may of came from a service provided call MERCHANT FEE SLashers who seeked out to me for a debit card reader for my business. I recall reaching out to the original point of contact XXXX and recall telling him several times i had no need for device and also never used it, he informed me several times he was taking care of this issues, since its been placed on my credit i have reached out to him many times so he can resolved this issue as he always stated he would take care of, I have left many messages and emails regarding this for over a year at this point, I NEVER USED THAT DEVICE for he knows i was in hospital for months with covid and kept relasping... this is unfair to me for I attempted resolved this matter several times, when i reach out to reporting agency they are still stating its my debt and nothing they can do and the staff not friendly at all ... .I NEED THIS TOOKEN CARE OF!!!!!
Consumer complaint received 2024-03-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (CA)

on XX/XX/XXXX i was given a supposed cashier check of {$1900.00} from a person whom i met off a dating app, i was drunk and got pressured to deposit it, and then once he asked for a smaller sum back i realized it was the basic check scam and blocked him. i attempted to contact the CITI security office, however since it was the weekend and the office to report the incident was closed leading to an automatic account closure within 60 days, i was fine with the auto closing of the account, however as of today, it has now been 137 days and my account is still open with my funds blocked, and now im getting messages my account is going to start be charged monthly fees when after my last attempt to close it down XXXX. i have called in after and attempted to explain me falling victim to a check scam, they wouldnt listen, and i have called them multiple times to just close the account already as i do not wish to use them as a bank anymore
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have never been able to access my credit report from any of the free sites. After filling out multiple forms and applications I have been repeatedly ignored. The buero has failed to send me any of my credit information even though I have requested it numerous times.
Consumer complaint received 2016-12-30
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My credit report shows that this bank credit card account closed on XXXX XXXX, XXXX as part of a telephone conversation with a collection agency to settle the debt. They offered a payment of settlement and assured that the debt was be paid in full. I now see that it was n't and that this particular bank has also misstated inconsistent statements across a few reporting agencies. I have found that with XXXX they show that I made no payments from XXXX XXXX to XXXX XXXX, and my account magically went into good standing XXXX XXXX and up to XXXX XXXX, until I was " delinquent '' again and charged off XXXX XXXX. 

However with XXXX it shows that this account was closed XXXX XXXX ( consistent with settlement talks ), but the last payment received was XXXX XXXX. This is highly inconsistent with what they reported to XXXX. I am also wondering how payments and delinquencies can be made on a closed account dated before additional changes were made to the account.