davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I received a Bank of America prepaid card for use during my period of partial unemployment ( beginning of the pandemic, XXXX XXXX and then temporary Disability/family leave payments XX/XX/XXXX, from the State of New Jersey. Sometime in XXXX or XXXX of XXXX, my card number was stolen ( not the card ) and was used many times to drain my account of over {$600.00}. Because of the limited access to the account- not able to be helped at branches, no printed statements made available, and an inability to log into the online account, I had no idea this was happening until XX/XX/XXXX, when I was FINALLY able to get help from them in order to log into the account and look at the statements. I filed a fraud complaint, they issued me a new card that took 7-14 days to receive, and looked into the fraud, eventually getting the money back into my account. When I received the new card, it worked ONCE. I had to call the bank, they said there was a fraud alert ( for A DIFFERENT CARD NUMBER ) and the funds were frozen. They said they reset the card, and to go to an ATM. I would, the card wouldn't work, I'd call them back, they'd reissue a new card and I'd get it in 7-14 days. This process repeated EVERY time they sent me a card, until eventually, not even the new card worked. This continued into this year, when I got a new card yet again, and it did not work. Eventually I was able to transfer the funds from the account to my XXXX XXXX account and get out of this cycle of nonsense. I can not tell you how much time I spent on the phone with that bank and they did nothing. I was frustrated to the point of tears many times because we desperately needed that money for bills, food, etc. during the height of the pandemic. I went through 6-7 cards with them, and thought this craziness only happened to me. Until my mom sent me an article that said it happened to thousands of other people and that you guys went after them. So, THANK YOU for doing that. And I'm glad I wasn't alone in the anguish they put me through.
Consumer complaint received 2022-08-19
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (WV)

There was a account made in my name that I did not do useing my ss number and everyone of my stimulus checks where put in the account and when I called them they said the could not give me no information on the account due to the fact the account was not in my name and I have been XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to the fact meto online bank just lets random people steal people identity and me and my family have suffered so much XXXX XXXX XXXX XXXX XXXX because I couldn't work and had no money and to support use and I couldn't prove that I was who I am and I didn't even find out until XXXX and it is already XX/XX/XXXX and still yet I have not received anything I am a XXXX XXXX XXXX man that is going through XXXX because I couldn't take care of my family and I am still trying to find a job and home for me and my family and that way my baby boy can have a place to come home too so with that being said I Will never trust meto Bank with anything that belongs to me that bank can't protect no body identity or money XXXX how can you trust meto Bank when they help people steal who you are and all you have to your name and cost you your way of life and hope
Consumer complaint received 2022-08-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MI)

XXXX. On XX/XX/2022 - XXXX charges were made on my Chase checking account a XXXX Retail XXXX Till in XXXX Florida XXXX charge for {$100.00} and XXXX charge for {$220.00}. The charge detail indicated these were in person charges. At the time of these charges I was on vacation in XXXX. 
XXXX. On XX/XX/2022 - Upon my return from XXXX I identified these unauthorized charges and notified Chase. They reversed the charges and provided a new debit card. 
XXXX. On XX/XX/2022 Chase denied my complaint and claimed that as these were in person charges I must be responsible. At this time I contacted Chase and spoke with a Supervisor to find out how to fight this decision as I did not make these charges. I was told to fax or mail documentation to substantiate that the charges were not completed by me. 
XXXX. On XX/XX/2022 Chase received both my written and faxed documentation with my travel documentation showing that I was in XXXX from XX/XX/XXXX XX/XX/2022 and that the card in question was in my possession and that there are no other authorized users on my account. 
XXXX. On XX/XX/2022 Chase provided another denial of my claim. I spoke with a supervisor and was told the decision was based on Chase saying my pin had been used and that my documentation was not sufficient. I asked that Chase provide me with a written explanation of what evidence was needed so I could provide that. The supervisor resubmitted my claim and request again. 
XXXX. On XX/XX/2022 Chase provided another denial and did not indicate what information was needed to prove that I was not in Florida. 
XXXX. Chase needs to correct this problem by removing the unauthorized charges from my account XXXX. Chase claim information - Date of Inquiry : XX/XX/2022 Claim Number : XXXX Card ending in : XXXX Claim related to XXXX ending in : XXXX
Consumer complaint received 2022-08-10
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: VW Credit, Inc (GA)

I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, VW CREDIT has violated my rights. Regarding alleged accounts # XXXX, 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. 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. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove.
Consumer complaint received 2022-12-02
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: CBC Companies, Inc. (GA)

In accordance with Fair Credit Reporting, Everything has to be 100 % accurate on my credit report. The Credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate, the date of last activity is inaccurate, and the date last reported is not accurate.

This ground for removal also violated my rights under. 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. Also, the Credit bureau took more than 30 days to complete my investigation here is my certified mail tracking # XXXX
Consumer complaint received 2022-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CT)

I am a XXXX XXXX receiving monthly benefits thru a government provided XXXX XXXX ' debit card. I also have a personal checking account with JP Morgan Chase which is the source of my complaint. 
Having received my benefit from the government on XX/XX/2022 and properly deposited into my XXXX XXXX account, I proceeded to the JP Morgan Chase XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ) and attempted to make a withdrawl of {$240.00} ) XXXX XXXX XXXX XXXX account from the onsite ATM to be deposited into my personal JP Morgan Chase checking account. However, much to my dismay when the chute opened to dispense my cash nothing came out. I immediately rushed inside and explained the situation to a customer service representative who basically told me it was not their problem and contact XXXX XXXX for a resolution. ( it is impossible to contact XXXX XXXX for up to 2 weeks after benefits are disbursed due to the high volume ) My feeling is that Chase could and should have the ability to solve my problem as : -the machine is their property and on their premises -at some point that machine is 'balanced ' and the reconciliation sheet for that location would be off by {$240.00}. I mean, am I right or am I wrong? 
I put my life on the line for this country and I think I deserve a small measure of respect. Please try to help me! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-02
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: LEXISNEXIS (GA)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate, the date of last activity is inaccurate, and the date last reported is not accurate. This ground for removal also violated my rights under. 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. Also the Credit bureau took more than 30 days to complete my investigation here is my certified mail tracking # XXXX.
Consumer complaint received 2022-06-24
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. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 2. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 3. FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please remove it from my credit report. 
4. FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I noticed 2 unauthorized atm withdrawals on my checking account on XX/XX/22 in the amounts of {$300.00}. Totalling {$600.00}. I immediately called my bank ( Wells Fargo ) and notified them of the issue. They issued me a new card number and started an investigation that concluded that the transactions were authorized and denied my claim.
Consumer complaint received 2022-06-17
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. (PA)

I XXXX XXXX, I checked my credit report and seen that I had inquiries that I have no consent of besides 1. Ive never gave any company the authority to pull credit report neither did I apply for anything. I want the inquiries to be removed from credit score because its impacting my score and Ive never gave consent for them to be there on all credit bureaus.
Consumer complaint received 2022-06-17
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. (TN)

I've been in constant dispute with the credit bureaus for almost a year now and have yet to get have the inaccurate accounts on my credit report removed. I recently sent in a letter on XX/XX/2022, once again asking them to verify these accounts and have yet to receive a response back. I feel like I am being taken advantage of and have been throughout this whole situation. I've been getting ignored for months on top of months and it is leaving me no other choice but to take these matters to court if the issue doesn't get resolved. Thank you for helping me with this matter.
Consumer complaint received 2022-12-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (NY)

Hi, I had been using XXXX  XXXX and with the SLA they would let me redeem my currencies within 5 days. 

I had requested on XX/XX/16 and as of today my money is still not available and showing pending. 

I have over XXXX in it and would like to be able to access my asset as soon as possible.
Consumer complaint received 2022-06-17
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. (TX)

An accordance with the Fair Credit Reporting act XXXX XXXX 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
Consumer complaint received 2022-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

An accordance with the Fair Credit Reporting act XXXX XXXX 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
Consumer complaint received 2022-12-02
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (MS)

On XX/XX/2022, I opened a new 1 Year CD online with CitiBank. I had {$250000.00} transferred from an existing CitiBank savings account to fund the new CD. During the online procedure to open the CD, I specified that the monthly interest earned on the CD should be added to the CD balance. On XX/XX/2022 I checked the balance on the new CD to find the interest had been deposited into my savings account NOT the CD as I had instructed. After hours of being transferred from one customer rep to another on the phone, I was finally informed by CitiBank that the CD interest could not be changed to post to the CD until the maturity date. So, basically, all interest earned on my new CD is being deposited into my savings account earning a lower interest rate. Not only is this a result of the banks error but it prevents my interest on the CD from compounding which saves the bank money. I find it unacceptable that CitiBank refuses to correct this issue.
Consumer complaint received 2022-06-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Lakeside Recovery Solutions (FL)

I am receiving non-stop harassing calls and texts from " XXXX XXXX '' and " XXXXXXXX XXXX. '' My mother is also receiving these calls and texts and is being told about this stuff which is not OK. She lives nowhere near me and is calling me to see why she is getting non-stop calls from debt collectors.

I have contacted each company through their site on more than one occasion and have not received a response that provides insight to what debt I supposedly owe.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States | have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer roporting agency can not furnish a account without my wilten 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 reason
Consumer complaint received 2022-06-17
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: EQUIFAX, INC. (MS)

I've been going back and forward with the credit bureaus for over 6 months and have yet to see the results that I am demanding dealing with these unverifiable accounts that are reporting to my credit profile. My most recent letter was sent on XX/XX/2022 to each bureau and I have yet to hear back from them 45 days later. I asked them to verify these inaccurate accounts that are reporting to my profile and they have yet to provide the verification that I have requested several times. My next step is to take this matter to court. Please assist me with this issue due to these accounts being a direct violation of the fair credit reporting act.
Consumer complaint received 2022-06-17
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: Experian Information Solutions Inc. (NM)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX Bank Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX Bank Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act 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
Consumer complaint received 2022-06-17
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: Convergent Resources, Inc. (NY)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
Consumer complaint received 2022-06-17
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. (MS)

I've been going back and forward with the credit bureaus for over 6 months and have yet to see the results that I am demanding dealing with these unverifiable accounts that are reporting to my credit profile. My most recent letter was sent on XX/XX/2022 to each bureau and I have yet to hear back from them 45 days later. I asked them to verify these inaccurate accounts that are reporting to my profile and they have yet to provide the verification that I have requested several times. My next step is to take this matter to court. Please assist me with this issue due to these accounts being a direct violation of the fair credit reporting act.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (NJ)

In accordance with the fair credit reporting act these following accounts along with the account number have violated my rights. 

Account name : XXXX XXXX Account number XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account number : XXXX 15 U.C.S 1681 section 602 A. States I have the right to privacy 15 U.C.S 1681 section 604 A. States as well a consumer reporting agency can not furnish a account with out my written instructions
Consumer complaint received 2022-06-17
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: Experian Information Solutions Inc. (TX)

XXXX accordance with the Fair Credit Reporting act XXXX  Act XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # 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
Consumer complaint received 2022-06-17
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.