davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I XXXX XXXX has reached out to these companies stating that I have no knowledge of these unknown fraudulent inaccurate negative accounts. I disputed these accounts and requested verification from these companies but they have failed to do a complete an investigation and provide me with any signed contracts, acknowledgements with my written consent, and any individuals names that were interviewed doing the investigation process. It is noted on both unknown fraudulent accounts that these items were disputed by consumer but meets requirement of the FCRA. Experian, XXXX, and XXXX is ignoring and violating me as a consumer and did not complete a FAIR investigation within 30 days on my behalf which is a violation of my consumer rights. Before these credit monitoring services report any information by LAW they are supposed to make sure that they have my written consent and that anything reported on credit report is supposed to be XXXX Percent ACCURATE!!!! Each of theses credit monitoring services are reporting something different which is illegal. These unknown fraudulent negative accounts has caused my family and I embarrassment, financial hardships, and mental anxiety due to being declined credit.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

Its been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a ; ate payments. They have not supplied this information and they must delete the alleged late payments on my credit report they had 30 days to complete the investigation and by failing to do so the item must be deleted from the report as soon as possible. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 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. Code 1681a - Definitions ; rules of constructions - Exclusions.- Except as provided in paragraph the term " consumer report ' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B ; A creditor may not treat a payment an a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

**No Binding Agreement** : Furthermore, I assert that I have no binding contractual agreement with the aforementioned creditor/reporting entity. As supported by case law ( cite the specific case ( s ) you're referencing, if available ), if no legally binding agreement exists between myself and the creditor, the credit reporting agency may not include the account in question on my credit report. 
**Exclusions under 15 USC 1681 ( 2 ) ( A ) ( I ) ** : Per 15 USC 1681 ( 2 ) ( A ) ( I ), certain transactions and experiences are excluded from the definition of a consumer report. As such, the following information should not have been included on my credit report : Specific details about the transaction or experience that shouldn't be part of the report XXXX XXXX {$8400.00}
Consumer complaint received 2023-10-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (NC)

I hosted a retirement dinner a few weeks ago and colleagues sent me money via Venmo to help cover the cost. I tried to add a bank account to transfer the money into & Venmo couldn't connect to that account. So, I added my other checking account and Venmo validated that one electronically. On XX/XX/XXXX, I received an email from Venmo saying that my bank account was verified. It also said " You can now transfer money to this bank account ''. And yet the website says that my account has been suspended and I can't access my funds. 

Now, I'm being told that my account is suspended and that to access my funds, I have to send them a photocopy of my driver 's license and a copy of a statement from the first bank account. So, basically all the info someone might need to steal an identity. It's one thing to use an automated process to verify a bank account. It's quite another to send someone a picture of your driver 's license. 

I called them and was told that they don't require this of every user, so if they're asking it of me it is for a security concern. And yet they can't tell me what the exact security concern is. Oh, and the department that deals with security and fraud will only communicate via email. And you never correspond with the same person twice, so there is no chance of having a real conversation. All you get are copied and pasted responses. 

Also - the website says that I should check my email for more information regarding the account suspension. The lady I spoke with said the same thing. But I never received an email from Venmo telling me the account was suspended. I didn't get any communication from them at all until I reached out. ( And, yes, I checked my spam folder. ) They told me in writing that I had a verified bank account that I could transfer funds in to and now they won't let me access those funds. And they are asking for extremely sensitive personal information. 

I noticed that Paypal ( who owns Venmo ) settled a lawsuit with them in XXXX due to privacy violations and lack of transparency with their users. Guess that lawsuit didn't teach Venmo anything.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was never late on the paid off account listed above. Please show me documentation showing proof of the transaction that I was ever late to support your inaccurate reporting on my account. If you can not supply this, please delete this alleged late payment from credit report.
Consumer complaint received 2023-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TN)

On XX/XX/XXXX at XXXXXXXX XXXX I went to a XXXX atm inside XXXX to withdraw money. I put my card in and tried to make the withdrawal, I got an error message that said the transaction could not be completed. I knew that I had just gotten paid and had money in my account so I tried to make the withdraw again. The second time the money was disbursed {$60.00}. I took my cash and receipt and left. I got a notification from chime and checked my account and it said I withdrew XXXX twice and it took the money from my account. I contacted chime and showed proof that I only withdrawed money once XXXX so they filed a dispute and said they would investigate. They denied my dispute so I called them and asked why. Customer services told me the the person handling my dispute did not do it correctly so he filed another dispute. Not even 12 hours later my dispute was denied again, even though I showed proof my receipts from my transactions. They will not give me a reason or refund my money. I am going to close my checking account if they do not fix this. I know that they did not investigate that quickly or they would know that I didnt get money twice. Chime is horrible about making things right with customers. My money was taken from my account and they will not give it back.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Subject : Request for Removal of Transactions from Consumer Report as per FCRA Dear Sir ( s ), I hope this letter finds you well. I am writing to formally request the removal of particular transactions from my consumer report, as outlined by the Fair Credit Reporting Act ( FCRA ) under section 15 USC 1681a-2 ( a ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; And 15 USC 6802 B ( 1 ) ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Below is/are the details of the transaction ( XXXX ) I demand be excluded from my consumer report : XXXXXXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX XXXXXXXX I believe that these specific transactions should not have been reported on my consumer report, and it is my understanding that the FCRA empowers me to request that these transactions be removed because I was never contacted by your organization to inform me that you may disclose non personal private information to a non affiliated third party, also transactions between the consumer and the person making the report is to be excluded from my consumer report, regardless of its validity. 
According to 15 USC 1681, consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Thank you for your assistance in resolving this dispute. I look forward to a prompt resolution and the correction of my consumer report. 

Thanks,
Consumer complaint received 2023-10-22
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Global Lending Services LLC (NV)

Currently having problems with global lending services trying to locate the other drivers girlfriend I guess that who owned the red XXXX that the other driver did not give me the right of way and he did nit stop or see me as I crossed so I could not avoid but to hit him and the air bags did not deploy even though this accident was a low impact crash. The police report is totally in accurate not to mention the XXXX XXXX soul exclaim I had also had 3 recall notices one for the air bags 2 others for the anti theft mechanism and the auto locks via the key fob also although I was going to add on the collision part of my insurance that month of XXXX I only had liability but I had gap insurance via XXXX XXXX XXXX. I still feel the other drivers girlfriends insurance company progressive insurance who XXXX XXXX the total loss consult of my car finance company global lending services is going after. The case no is XXXX. Her telephone no is XXXX XXXX. She has all documents including the 3 recall notices and screwed up police report. The XXXX no to the XXXX XXXX XXXX  is XXXX. Hope you can include me in the class action law suit against XXXX XXXX XXXX and since these screwed up XXXX XXXX XXXX nv police I'm having a hard time suing them as well I need all the justice I can get plus I still owe XXXX XXXX dollars for this un safe car Thank you for assisting me
Consumer complaint received 2023-10-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (SC)

I pulled up my credit report on XX/XX/XXXX in I noticed an account from Midland credit management- XXXX. I have never entered into a consumer credit transaction with this company. I asked for proof that I owe this company this alleged debt, I never received anything from them. I also noticed that the start date for this account is XX/XX/XXXX which makes no sense because I never got a chance to dispute this alleged debt before it being furnished on my consumer report. If the company can not provide sufficient evidence and the method of verification for the account then it should not be on my report.
Consumer complaint received 2023-10-22
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. (MO)

According to the consumer law, you are in violation. Code 15 usc 1692j states It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 12 U.S. Code 582 - Receipt of United States or bank notes as collateral. No national banking association shall hereafter offer or receive United States notes or national-bank notes as security or as collateral security for any loan of money, or for a consideration agree to withhold the same from use, or offer or receive the custody or promise of custody of such notes as security, or as collateral security, or consideration for any loan of money. Any association offending against the provisions of this section shall be deemed guilty of a misdemeanor and shall be fined not more than {$1000.00} and a further sum equal to one-third of the money so loaned. The officer or officers of any association who shall make any such loan shall be liable for a further sum equal to one-quarter of the money loaned ; and any fine or penalty incurred by a violation of this section shall be recoverable for the benefit of the party bringing such suit.
Consumer complaint received 2023-10-22
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: WELLS FARGO & COMPANY (WA)

To whom it may concern, This letter is to express my dissatisfaction with Wells Fargo 's credit card dispute practices and customer service. I don't check my Wells Fargo credit card account regularly. One day, I realized there was a charge totaling {$1600.00} from XXXX I called XXXX to report the charge which I didn't authorize for. They said they can not refund it even though it was a fraud charge. Then, I contacted to Wells Fargo on XX/XX/2023, to dispute the fraudulent charge. They credited the full amount 2-3 days after my call. Then, I saw bank adjustments charges of {$190.00} and {$360.00} on the XXXX of XXXX. I called the bank to ask about those charges. They said that XXXX  refunded the money, because of that, there are adjustments. In XXXX, when I log into my account to schedule payment for my credit card. I noticed that the total balance is quite high. I checked the activity and saw that there was a charge " bank adjustment '' totaling {$1000.00}. XXXX. I called three times to ask about for this charge. I was told that this was the rest of the XXXX XXXX charge they credited, so Wells Fargo is charging for the fraudulent activity in my account. I don't have any evidence or any supporting documentation for their decision. They didn't help me with the fraudulent charge, on top of of that they didn't even bothered to follow up with me. I was proactively following up with them, although no one could even answer my questions. XXXX of their customer respresentatives hang up on me. The other customer representative misinformed me, basically lied to me saying that XXXX is paying me back, and it is a pending transaction, that is the reason why I don't see it in the activity center. It has been a week since my last contact and I haven't seen an incoming fund so far. Wells Fargo unprofessionally mishandled my situation and failed to resolve the fraudulent charge. 
Sincerely
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A. (MA)

I used the Home Depot Credit card to make a purchase for my business in XXXX of 2023. In XXXX of 2023 my business tried to make a payment to this debt, and the check was sent back. My business Partner and I decided that I would make the payment from my own checking account and be reimbursed by the business. I made this payment in late XXXX after I was informed that the original payment was rejected. For some reason, This payment was applied to the wrong account. I called to fix this on XX/XX/XXXX and was assured that the {$200.00} payment that I made was applied to the write account. On XX/XX/XXXX I got another delinquent notice. I called on XX/XX/XXXX and was told that the money was transferred but not applied to the amount due. While on the phone I was assured that the payment would be applied to the amount due and my next due date would be XX/XX/XXXX. On XX/XX/XXXX I got notified that a delinquent notice was put on my credit report. I called again and Home Depot said that it would take five days to get the payment applied to the amount due. I asked that the delinquent notice be removed from my credit report. After many calls, someone finally said that they had put in a request to have the delinquent notice removed from my credit report but that it would take 14 days. Right now my credit rating is XXXX points lower and I have to wait 14 days for it to change. This is frustration and I want people to know about this practice at Home Depot Credit Services
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX XXXXonsumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-10-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

when I wanted to log in Capital One online bank on XX/XX/XXXX, I found that I could not log in. 
I called the number XXXX ( XXXX ) XXXX to help me solve the login issues. The customer service representative not only failed to help me resolve the issue, but also insisted on closing my checking account due to security concerns. The representative did not verified my identity and did not check with me. He just asked me what operation I did recently. I told him that I just added an external checking account and verified this account several days ago. A moment later the representative directly told me that he would close my checking account. When I heard what the representative said, I felt very surprise and crazy and I felt that I was discriminated because the representative did not verify any operation with me. The representative was very insistent about closing my account and did not tell me the reason, he told me that I could never be Capitial One customer again. 

As the checking account will be closed, now I can not contact the Capital One customer service, and I have tried many times to find any online representative by the Capital One service call. But I can not speak to any online representative. I only receive the messages that tell me to leave voice messages. I am very crazy and angry, I am feeling so worst.
Consumer complaint received 2023-10-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (AL)

I repeatedly requested XXXX ( former servicer ) to remove me from XXXX deferment on my loans. One loan ( XXXX XXXX XXXX dated XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX for {$1900.00} ) was in deferment from XX/XX/XXXX until XX/XX/XXXX. I called XXXX on multiple occasions to inquire about getting started on repaying my loans on one of the XXXX plans so that I could start making progress toward PSLF. Their agents advised me that it was possible. They sent me a form. I filled this form out twice. I was employed by a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). All the while, I was under the impression that my payment was {$0.00} due to the XXXX. I am now seeing that XXXX never honored my requests. I did what they asked me to do, but they did not do what they promised me they would do. I am harmed because, under the new provisions set forth by the XXXX XXXX XXXX I would be eligible for relief if XXXX had done its part. I did my part as the borrower. I paid on time and sent them the documentation they asked for. 

A complaint was submitted to the U.S. Dept. of Education on XX/XX/XXXX. 

MOHELA replied that they only had proof from XX/XX/XXXX, when I XXXX with my second XXXX XXXX. However, I asked XXXX to take me out of XXXX XXXX ( see attached ) when I XXXX with my first XXXX XXXX in XXXX.