davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2021, XXXX XXXX. An unknow person access my banking account online without my awareness. The person used XXXX cash advance from credit to debit. Then he made illegal purchased on my checking. I got phone alert in the morning said I need to verify this transaction. I was busy and when i checked my phone and see the alert at XXXX XX/XX/XXXX. I went to my banking online and see unauthorized charged.I called Wells fargo right on the same day to report that the is an online identity theft. But the person who helped me put the reason is that " dont remember the transaction ''. And since i report it happened online. They put a note that it happen outside. When i called the transactions are still in pending. But Wells fargo let that went through. And now my statement show I own them XXXX usd inculding allthe fees. Since no one from wells fargo called me, and I did not reply to the text. And i called at the same day. They should took care of it. The person helped me said i should not worry. But seem like all giving me wrong info without explains what is the next steps or helped me. They gave me XXXX temporary credit on XX/XX/XXXX and took it back on XX/XX/XXXX. I called them again and no one have any idea. They told me to reach the claim department, but it was closed, on XX/XX/XXXX the letter from Wells fargo came and its said there is no one use my credit outside. When I called Wells fargo and explain my situation, i told them it happened online. All the persons who handled my case did it wrongly and does not serious. They cant even stop the fraud transaction and let that went through. Even my debit card was denied due to daily limit. Wells fargo still let it went through.
Consumer complaint received 2020-11-26
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was fraudulently contracted into a credit card with capital one thinking that I could better my credit situation but that was a mistake, they tell me to send my complaint in writing but still to no avail. I am trying to get a 20K-50K credit limit and they have only approved ONE increase since 2014 with no further information - this is not relationship banking Letter of Denial for Credit Limit Increase
Consumer complaint received 2021-01-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc. (WV)

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX with {$20000.00} financing secured through Gateway One Lending XXXX XXXX. I continued making my payments to Gateway One up until I received a letter from Santander Consumer USA in XXXX of XXXX notifying me that my loan with Gateway One had been sold to Santander Consumer USA ; The letter informed me I would make my payments to Santander under the same terms of my original contract through Gateway One. 
On XX/XX/XXXX, I filed a complaint with CFPB ( Complaint ID XXXX ) due to a significant payment discrepancy as well as correspondence issues after several phone calls and letters between myself and Santander Consumer USA. The conclusion of that complaint led to the notification that Santander would be releasing the truck title to me " free and clear ''. I was also informed the payments ( totaling {$3100.00} ) I made during and after the loan was sold ( XX/XX/XXXX-XX/XX/XXXX ) to Santander Consumer USA should not have been collected due to my bankruptcy filing in XXXX and an " error '' between Gateway One lending XXXX XXXX and Santander Consumer USA. I was first informed the title was being released in XX/XX/XXXX, to be received in 30-60 days. I called back on XX/XX/XXXX to verify what I was told earlier in the month and it was verified. I called back on XX/XX/XXXX to check the status of the title and was told it was still being processed. I called again on XX/XX/XXXX and was told they are still waiting for the title office to approve the release of the title and I should wait until after the 1st of the year. I received the title on XX/XX/XXXX but I received no response on the payments I requested refund for since the payments I made should not have been collected per the Santander Consumer USA representative.
Consumer complaint received 2020-08-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MD)

On XX/XX/XXXX I opened a credit card with XXXX XXXX XXXX to purchase furniture. I selected the no interest for 6 months plan. 
On XX/XX/XXXX I scheduled a payment of {$600.00} On XX/XX/XXXX the payment posted of {$600.00} and I was charged a {$28.00} late fee. ( No grace period - which I did not know about. ) I forgot about the XXXX payment until today XX/XX/XXXX and was surprised to see the late fee. I immediately scheduled a payment and called to ask for late fee reversed. 
I was told by XXXX ( customer service rep ) that I actually had been reported to credit reporting agencies for {$56.00} on XX/XX/XXXX for Late fees for XXXX and XXXX? 
How is this possible when I made a payment for {$600.00}? She said it didnt apply nor did it count. 
Very, very upset. Have not mentioned I have been charged interest. 
Will never open a store credit card again.
Consumer complaint received 2020-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

ince your credit bureau has not been able to work directly with the creditor to solve this issue, I am now requesting that you personally verify this account that you are reporting.

Section 609 of the FCRA requires that you, upon request, verify any accounts that you are reporting. And I am talking physical verification. I want a copy of the original signed contract. You can not legally report an account that you can not verify. 

I am asking that you send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below and if you can not I expect these accounts to be removed from my file immediately. 

I want to see the original contract with MY signature on it. I do not want a computer printout. If it does not have my signature, its not valid. 

Your failure to properly verify these accounts has put me in a bind and stopped me from obtain a line of credit.
Consumer complaint received 2020-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Recovery Services, Inc. (NY)

since your credit bureau has not been able to work directly with the creditor to solve this issue, I am now requesting that you personally verify this account that you are reporting.

Section 609 of the FCRA requires that you, upon request, verify any accounts that you are reporting. And I am talking physical verification. I want a copy of the original signed contract. You can not legally report an account that you can not verify. 

I am asking that you send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below and if you can not I expect these accounts to be removed from my file immediately. 

I want to see the original contract with MY signature on it. I do not want a computer printout. If it does not have my signature, its not valid. 

Your failure to properly verify these accounts has put me in a bind and stopped me from obtain a line of credit.
Consumer complaint received 2022-09-26
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. (NC)

In accordance with the Fair Credit Reporting act XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc. (NV)

On XXXX XXXX I entered a XXXX store in XXXX XXXX XXXX NV and purchased an XXXX XXXX. The phone was going to be mailed to me at my residence. It was explained to me by the store employee that once I received the phone I could port my active XXXX phone number over to the phone and once I did that, new service would start as a XXXX customer. I received the phone, but never ported my existing number over. I had difficulty doing so and when I called XXXX to help me with this I received no help. In the meantime, a new number was issued to this phone by XXXX. I was not aware of this and did not consent to this. Apparently monthly billing was started immediately on this new number that I had no knowledge of nor did I give consent to. Months later, when I discovered a new number had been issued and billing charged I called XXXX to correct this. This was supposed to be corrected and I do not know why it wasn't. I offered to pay XXXX the amount due for the phone which was {$1100.00} This was for the actual phone amount and not the billing for a service I did not sign up for. The bill was sent to collection agency McCarthy, Burgess, and Wolfe.  After speaking to XXXX employee XXXX at XXXX XXXX on XX/XX/XXXX she agreed I should not have been charged for the extra charges and need to pay only the phone amount of {$1100.00}. She advised me to ask McCarthy, Burgess, and Wolf to open a dispute from the the time the service was opened to the time it was written off. She agreed that since there was no phone usage I should not have to pay for this. The reason she could not make this change herself is because my account had already been sent to McCarthy, Burgess, and Wolfe and they would then have to send it back to XXXX so XXXX could amend this. I called McCarthy, Burgess, and Wolfe on XX/XX/XXXX and left message with XXXX XXXX to do this. I was told a dispute would be opened and XXXX would be contacted. McCarthy, Burgess, and Wolfe have not done this and it has now been 28 days. I have also not received any form of communication from them since I asked a dispute to be opened. They promised an update would be sent. I spoke with XXXX XXXX today and they confirmed they have not received a dispute action from McCarthy, Burgess, and Wolfe. Further, McCarthy,  Burgess, and Wolfe employee XXXX XXXX told me if I paid a reduced agreed upon pay off amount on the phone I would then own the phone. This was not correct information. Upon confirmation with XXXX I was told after paying this amount of {$920.00} I would not own the phone and still would not be able to use it. 
In conclusion, McCarthy, Burgess, and Wolfe have refused to open a dispute on my behalf investigating this incorrect collection. I have a legal right for this to be done and so far they have refused. They have also stated false and misleading information to me in order to collect a debt.
Consumer complaint received 2022-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$300.00}
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not putting on my Credit Reports : XXXX
Consumer complaint received 2020-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Greetings. 

I sent a disputes letters to the credit bureaus sunch as XXXX, XXXX and Transunion, but they are not doing anything to solve my problem, I have inaccurate information on my credit report that is affecting my credit score, i want to resolve this as soon as posible.
Consumer complaint received 2020-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

Greetings. 

I sent a disputes letters to the credit bureaus sunch as XXXX, Equifaax and XXXX, but they are not doing anything to solve my problem, I have inaccurate information on my credit report that is affecting my credit score, i want to resolve this as soon as posible.
Consumer complaint received 2022-09-21
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: EQUIFAX, INC. (FL)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXX XXXX Open Date XX/XX/2019 Balance : {$0.00}
Consumer complaint received 2021-07-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (GA)

My complaint is with XXXX XXXX phone number XXXX XXXX XXXX XXXX. 
They called me about a year ago and said that I owed XXXX. I am not sure if it is a credit line or a loan. They would not tell me. They claimed it was through XXXX  Credit, of which I do not have an account. They asked me to share my social security number with them but I did not as it is not safe and if I did owe them money they should already have it? I ended the phone conversation and contacted XXXX. XXXX confirmed that I did not have an account with them so I assumed this was all a scam. 
Yesterday, I was served papers by our local sheriff department about this same account. I met with an investigator at our Sherriff 's Department and he advised me of steps I should take. One of which was reporting this to you. I think I reported the original phone call when it happened but wanted to be sure and report their continued harassment concerning a loan or credit line that I did NOT open. 
Also, he asked me to check all 3 credit reports and there is no delinquent debt of this nature on it. However, XXXX XXXX does show up under my " Account Review Inquiries '' section. Which means they have access to my information for promotions. I am working to stop these inquiries. Thank you
Consumer complaint received 2020-08-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (MO)

My account is with Paypal. I was given money for my birthday from a friend from a foreign country, XXXX. Paypal put a hold on it from XX/XX/XXXX until XX/XX/XXXX. It was not explained why they were holding the money, and I had to find out from an external source that it was because they didn't have the money yet since it was coming from overseas. This was not the issue. The issue was that they put a high risk lock on my entire account. There is a mandatory three day hold on all transactions except on purchases from XXXX. I was told this restriction would be removed when the payment was approved XX/XX/XXXX. Paypal representatives told me that I could expedite the process by confirming the transaction. I did. Paypal lied and did not expedite the process. Now that XXXX XXXX has come and gone, they have removed the hold on my friend 's gift, but have not removed the lock. I contacted them when I tried to give my father money for food and gas. I screencapped the entire conversation. We made a very quick exchange. I gave them all the information they needed. They then told me that they would not remove the lock from the account. I have not been given an explanation for the lock. They have closed the case.
Consumer complaint received 2020-09-23
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. (LA)

XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX Transunion & XXXX. It has been since XX/XX/2020 I sent certified disputes in mail off & I still havent heard from the 3 credit bureaus & Im tired of waiting. I need results NOW!! COVID-19 should not give these people the power to not follow the FRCA!! This is a Violation that needs to be handled.
Consumer complaint received 2020-08-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (VT)

XX/XX/XXXX I went into Citizens Bank to close out an account of my dead mothers I was on. I asked to close it out and transfer whatever money was in there to my personal account with Citizens Bank, I was told it was {$580.00}. I was given the {$500.00} line of credit associated with that account on accident rather than just the money that I was owed. I realized a couple weeks later and called to try and sort it out but was told they couldn't help and I would have to go into the branch even though we were on stay at home orders. On XX/XX/XXXX, I called the debt branch of Citizens Bank and talked to them. I was told I owed the {$500.00} as I should never have received it and if I paid it then, they would waive the fees. I paid over the phone {$500.00} and was told the account would be closed this time. XXXX XX/XX/XXXX I requested a credit report and saw that I had a negative from Citizens Bank. I immediately looked on the app and it says the account is a zero balance. I then called to try and sort it out. I first spoke to XXXX about it and she connected us with XXXX. They informed me the XX/XX/XXXX person gave me the wrong amount owed and that I had to pay them more money to close out the account. The reception was so poor that I was struggling to understand what they said and I kept being put on hold.
Consumer complaint received 2021-07-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (VA)

Chime closed my account without warning and took the money that was in my account. I had {$800.00} in savings when they closed my account. It has been a month and still no more eye has been sent back to me. I never received a reason or a letter from chime.
Consumer complaint received 2020-09-23
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. (LA)

XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX XXXX & Experian. It has been since XX/XX/2020 I sent certified disputes in mail off & I still havent heard from the 3 credit bureaus & Im tired of waiting. I need results NOW!! COVID-19 should not give these people the power to not follow the FRCA!! This is a Violation that needs to be handled.
Consumer complaint received 2021-05-10
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. (GA)

Hi, I am writing to you regarding crazy situation that happened with me. I found accounts that do not belong to me. I mean they are not mine. I am identity theft victim and I am very XXXX out because of this situation. These unknown items just killed my report. Please do something and delete them
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX, and 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