davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-23
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: JPMORGAN CHASE & CO. (NY)

I pre-paid my XXXX Parking with my Chase Credit Card and the XXXX employee ( XXXX XXXX told me lot was full and sent me to Lot B. Then when I tried to leave I was locked in their lot and can't find a human being working there for XXXX. XXXX 's XXXX XXXX XXXX is a firetrap!!! What if there is a fire??? You have no employees working in your lot!!!!! I could not get out except to pay for my parking space twice. I prepaid for my space weeks before my trip. This is how you treat your customers. Lock him in the lot with no way to get out of your firetrap parking lot??? 

I pre-paid parking {$110.00} and then they charged me another {$180.00} to get out of thier firetrap parking lot. Chase did nothing to help the consumer. They are too busy helping billionaire child molesters like XXXX XXXX. They don't want to help the consumer. 

See attached back-up. I am reporting Chase and XXXX to CONSUMER FINANCIAL PROTECTION BUREAU. They are rip off artists. You can call me at XXXX to resolve this. Look at your receipt - NO XXXX TELEPHONE NUMBER. NO WAY TO CONTACT XXXX IN YOUR FIRETRAP OF A PARKING LOT. You are putting peoples lives in danger!!!!!!!!!!!!!!!
Consumer complaint received 2021-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

on XX/XX/XXXX a charge-off & closed account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX XXXXXXXX FOR {$14000.00}. 
to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX opened XX/XX/XXXX for {$14000.00} ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt. 

XXXX XXXX XXXX HAS NOT VERIFIED THIS DEBT WITH MY SIGNATURE OR ANY INFORMATION VERIFYING THIS DEBT BELONGS TO ME.
Consumer complaint received 2024-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

**Subject : ** Formal Complaint Against Wells Fargo for Financial Misconduct and Consumer Rights Violations **To Whom It May Concern, ** I am submitting this formal complaint to report serious misconduct by Wells Fargo that has caused significant financial and emotional harm. The following are the key issues : # # # 1. **Withholding of Unemployment Funds** - On XX/XX/year>, the California Employment Development Department ( EDD ) deposited unemployment funds into my Wells Fargo account . However, these funds never appeared in my account.

- Wells Fargo falsely claimed the funds were returned to the EDD, but the EDD has confirmed this is not true and provided verification.

# # # 2. **Tampering with Account Transactions** - Multiple transactions in my account were altered or erased without my authorization.

- I have screenshots showing discrepancies between my account activity before and after the alleged tampering.

# # # 3. **False Advertising** - I was promised a {$120.00} promotion for setting up direct deposit when opening my account. Despite meeting all requirements, this promotion was never fulfilled.

# # # 4. **Unauthorized Disclosure of Personal Information** - Wells Fargo disclosed my personal account details to my employer without my consent, which is a violation of federal privacy laws, including the Gramm-Leach-Bliley Act ( GLBA ).

# # # 5. **Illegal Recording of Conversations** - Conversations with Wells Fargo Loss Prevention managers were recorded without my consent. As a California resident, this violates the state 's two-party consent laws.

# # # Supporting Evidence : - Screenshots of my account activity before and after the discrepancies.

- Correspondence from the EDD confirming their deposit and denying any return of funds.

- Emails and records documenting the missing {$120.00} promotion and other issues.

# # # Resolution Sought : 1. Immediate investigation into the withheld unemployment funds and restoration of the missing amount.

2. Fulfillment of the {$120.00} promotional offer.

3. Formal acknowledgment of privacy violations and appropriate corrective actions.

4. Compensation for financial damages and emotional distress caused by Wells Fargo 's actions.

This complaint involves violations of federal and state laws, including : - The Gramm-Leach-Bliley Act ( GLBA ) - California 's Invasion of Privacy Act ( CIPA ) - False advertising and deceptive practices laws I respectfully request your assistance in resolving these matters. Please let me know if additional information or documentation is needed to support this complaint. 

Thank you for your attention to this urgent matter. 

**Sincerely, ** XX/XX/year>
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (TX)

I have a credit account with Arhaus/Comenity Bank which was auto-drafting payments. When Arhaus returned a payment due to an address discrepancy, I was contacted by phone for the 1st time by Arhaus around XX/XX/XXXX by phone and told that if I tendered a payment via phone immediately that my account would remain up to date with no issues reported. I complied and gave them my card immediately. The Arhaus employee then told me that the account would remain up to date with no issues being reported and told me I would receive an email verifying this shortly after the payment was processed. I did not receive an email and roughly 3-4 days later I receive an alert on all 3 bureaus that I am 30 days past due on my credit account. This was the exact opposite that I was told on the phone by the Arhaus employee and I was compliant with all request the first time they contacted me. I have perfect credit and never miss a payment and this is incorrect. I have sent in documentation in the form of payment statements showing all of my payments being auto-drafted on Arhaus website dashboard on time to XXXX as well as to Arhaus/Comenity and it seems that nobody is accepting clear proof. This is a cheap attempt by a creditor to incur fees on a consumer with no history of late payments, a blatant disregard for the damage caused to perfect credit when a company is reckless with their customer service, and does not reflect the truth of my account history with this creditor.
Consumer complaint received 2023-06-23
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. (TN)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (NV)

Moved out in XXXX XXXX and sent an email confirming the move out which our lease was about to be up. Got a response that everything was good and we could leave where we moved to XXXX XXXX. Then all of a sudden I check my XX/XX/XXXX because of buying a house and I see a charge amount from XXXX XXXX. So I call them and get the runaround. first I was told they had a lot of turnarounds so he didn't know so then I forward the email then the new manager say there is not he can do. I told him I talked with XXXX XXXX and she could confirm the communication but he said it's already been sent and to file a police report and dispute it. Because it was sent to a collector but on their end, it showed that they kept my deposit of XXXX plus dollars. And now I can't get in touch with any of them the XXXX  tried and they got no response either.
Consumer complaint received 2021-06-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I have no knowledge of this account. This account does not belong to me. I have never had an account with Midland and it also shows it is collecting on behalf of XXXX XXXX. Neither do I owe XXXX  XXXX any debt.
Consumer complaint received 2023-06-22
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX Account XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-26
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. (FL)

I have names, addresses, phone numbers, employers, inquiries and collections being fraudulently reported on my consumer report. I did not authorize nor consent to the following names, addresses, phone numbers, employers, inquiries and collections being furnished on my consumer report.

15 USC 1681E ( B ) states whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Please remove and update the inaccurate information thats being furnished.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I have over XXXX score with each agency, no negative information, and have been at same address for 7 years, no name change in my life, have opened many credit and bank accounts without issue over decades. Just this year turned down twice. Contacted Equifax for my credit report, and see they show me at a prior address in XXXX, despite showing I've been paying the mortgage on my current place for over 7 years! They also show me still working for XXXX XXXX, XXXX miles from where I've lived since they eliminated my position in XXXX! Although it is more than 12 years out of date, I only see an option to dispute that I EVER worked there. Called this evening and spoke with XXXX, who said she couldn't drop the XXXX XXXX XXXX erroneous employer until I had a new one to put in it's place, " company policy ''. I can't even figure out how to put a note on the report saying that they are willfully presenting false data, and surely, this is costing me quite a bit of money since I can't open a hi yield checking account due to their misinformation.
Consumer complaint received 2021-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Capital One rep ( s ) by the name of XXXX and XXXX, depending on which rep replies, give alternate responses to complaints filed regarding missing payment from closed account with Capital One from 2018. The payment represents closing balance in account, the amount of {$4200.00}, initial check had stop payment placed prematurely by Capital One rep, check reissued while I was away on vacation. The reissue check was intercepted, cashed by another party, complaints filed in re and unresolved to date. A XXXX XXXX replied in re by attempting to imply person whom intercepted is related, lived at address at the time, failed to investigate further. Even if person is related, does not mean the funds were not stolen as they were.. No affidavit was sent as it should have at the time, according to rep with Connecticut Dept of Banking . An affidavit was finally sent via email several months ago after providing above information from Connecticut Dept of Banking, signed and mailed back to Capital One. The bank whom cashed check, XXXX XXXX Bank, did not receive information in re... I advised Capital One reps of non-receipt, refused to look into it, advised to continue to wait.. Failing to look into it, I reached out to party whom cashed check via social media, person agreed to reimburse funds via check which did not clear, was returned NSF. Most recently, I spoke with rep at XXXX XXXX, confirmed check returned and request a new affidavit in order to investigate/reimburse funds to Capital One.. Unfortunately, Capital One rep by name of XXXX refers to my prior statement, " I was able to obtain funds from party '' or similar thereof... The funds were in form of a check, not cash, it is common sense not to give cash in such a high amount... I believe XXXX as well as a XXXX recognize this fact, refuse to reissue affidavit. Depending on which rep replies, I am referred back to party whom cashed check, in which case it is not my responsibility to do so, or my prior statement is referred back to which XXXX twisted around to his own convenience. I request the CFPB look into handling of this matter from back in 2018, which Capital One has not handled properly as they did not send affidavit prior and now refuse to reissue. Further, I request CFPB send this complaint to a different rep, other than XXXX or XXXX A number was left in case of questions, however, Capital One reps do not accept or return calls from past experience.. XXXX XXXX left her number , seven messages left, none returned to date...
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

5 Hard inquiries on my TRANSUNION REPORT I have no knowledge of! This not give these companies permission to run my credit nor did I apply for credit from the either 1. XXXX Inquiry on XXXX 2. XXXX XXXX Inquiry on XXXX 3.XXXXXXXX Inquiry on XXXX 4 . XXXX XXXX Inquiry on XXXX 5. XXXX XXXX Inquiry on XXXX
Consumer complaint received 2021-09-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been going back and forth with Transunion about a bankruptcy that is being reported on credit report since XXXX. Each time I ask for them to verify or validate they send a letter back saying that they verified that the information they have is accurate and that they verified it with USBK COURT XXXX XXXX DOCKET # XXXX, so I sent the same letter I been sending from the court letting them know that the courts is not verifying with them or any other bureau. I called and spoke to a representative and supervisor around XXXX due to sending a method of verification due to no response asking how are they verifying my information from the courts when I have sent the letter from the court showing they are not. The supervisor told me nothing changed cause the court verified, he then transferred me to his supervisor who said the same thing so asked for the furnisher information and he told me it was XXXX, so i asked for the number and he gave me XXXX, I called while I had him on the phone and it was US bankruptcy Court, so I ask do you all verify bankruptcy with the credit bureaus and she said its public records and they do not report. I advised the supervisor I have the right to know and was told we don't have to tell you that and I said yes you do, its my right to know who is reporting information onto my credit profile. I have asked for them to tell me how this information got reported on my credit report and they refuse abide by the laws that allows for me to know who is reporting what on my credit. On XX/XX/XXXX I sent another letter along with documentation and didn't get a response, so on XX/XX/XXXX I sent a no response letter and dated XXXX they sent the same stall letter they been sending since XXXX that it is verified as accurate by XXXX. This hindering me being able to get my career job because as I have disputed with Transunion so have I with XXXX and XXXX and has been removed due to it was not being verified and was a violation of my consumer rights. Attached would be letters that I sent as XX/XX/XXXX, along with letter from court as well as correspondence from Transunion. Transunion didn't look at the proof, how are Transunion able to verify when the other bureaus can not.
Consumer complaint received 2021-09-21
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: REGIONS FINANCIAL CORPORATION (MO)

XX/XX/XXXX opened a savings secured line of credit account, I took {$1000.00} ( collateral ) from my account to open this account, to establish my {$1000.00} credit limit and to help build my credit. The bank was not reporting accurate and timely data to the credit bureaus and it was not helping build my credit. XX/XX/XXXX, I went into one of the local branches to closed the account because it was not serving a purpose. XX/XX/XXXX I went back into the bank to receive/collect the {$1000.00} reimbursement for the closing of the account. The teller ands the bank manager that closed the account on XX/XX/XXXX mistakenly took an additional {$1000.00} out of my account, instead of refunding the {$1000.00} due me. After multiple calls to the customer service number and chat lines, I was told to go back to the bank and request the release of the hold that was on the money. It's now XX/XX/XXXX, I have been given the run around since XX/XX/XXXX about the return of my {$1000.00}. Multiple phone calls have been made to a couple of bank managers and no one has returned my phone calls or provided the status of when I should expect the return of my {$1000.00}. I just want the reimbursement and return of the {$1000.00} collateral I put up front to open the account.