davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CURO Intermediate Holdings (MI)

The credit bureaus stated they investigated my account and issue correctly but this is not true because XXXX is still reporting account name XXXX XXXX  account number XXXX i already got this removed from my other XXXX reports but XXXX insists on keeping it. this is not the first time but my rights have been violated on numerous accounts. all three bureaus do not have all my information correct this is a direct violation of my rights. also to begin with the bureaus took longer than 30 days to complete my investigation. 

15 USC 1681 section 602 A. 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 a account without my written instructions. 

The following are all accounts in which i did not give written consent to furnish on my report : XXXX XXXX XXXX ( DEBT COLLECTION TEAM DIRECT VIOLATION, I NEVER GAVE THEM THE RIGHT TO CONTACT ME OR OBTAIN MY INFORMATION. ) XXXX, XXXX OF XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX CARD, XXXX BANK, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX CREDIT, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX
Consumer complaint received 2024-10-10
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. (MD)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2022-06-23
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # 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 a account without my written instructions.
Consumer complaint received 2022-06-22
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. ()

In accordance with the Fair Credit Reporting act 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. 

The accounts include the following : XXXX is XXXX XXXX XXXXs XXXX and account number : XXXX XXXX XXXX is XXXX and account number : XXXXXXXX XXXX  which is for XXXX
Consumer complaint received 2022-06-22
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. ()

In accordance with the Fair Credit Reporting act 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. 

The accounts include the following : XXXX is XXXX XXXX is XXXX and account number : XXXX XXXX XXXX is XXXX and account number : XXXX XXXX  which is for XXXX
Consumer complaint received 2019-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (DE)

XXXX, EXPERIAN AND XXXX  HAVE ALL PUT A EXTENDED FRAUD ALERT AND A PERSONAL STATEMENT ON MY CREDIT REPORT, WITHOUT MY CONSENT. I CONTACTED ALL companies and told them to remove the alert and personal statement asap because I did not request it. Furthermore they put a phone number on the alert for companies to contact me that doesn't belong to me.
Consumer complaint received 2022-06-23
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: Experian Information Solutions Inc. (GA)

I have been a victim of identity theft, and have successfully removed most of the fradulant accounts and addresses. There are a couple that still remain on my Experian and just one on the others. I have sent in numerous disputes and filed two police reports and FTC reports. The response from the credit bureaus is that the information is accurate with no solid proof for debt or validation. 

In accordance with the Fair Credit Reporting Act EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT. 
The Credit bureaus stated my accounts was properly investigated but how is that possible if the open date is in accurate, the date last active is inaccurate, and date last reported not accurate. This is grounds for removal and they also violated my rights under, 15 U.S.C. 1681 section 602 A. I have the right to privacy.

15 U.S.C. 1681 section 604 A. States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I have been a great customer of Chase bank for many years. I held a checking account, a savings account, and multiple credit cards -- all with excellent customer behavior ( no late payments, no overdrawn accounts, etc. ) I have a great credit score, and I am employed full-time for several years. I received a notice on XX/XX/2021 that my accounts are being closed by Chase and they no longer will have a relationship with me. When I called to inquire I was informed by multiple representatives as well as by their managers that they can not provide me a reason. When I asked if I can open other accounts they informed me it is a lifetime ban. However, they also recently ( within the past week ) opened a credit card for me, and could not explain why that was allowed, but that everything else isn't -- including my already existing credit cards with XXXX balances and good, responsible consumer behavior. If a company denies services to a customer who is exhibiting good, responsible consumer behavior and refuses to provide an explanation, that is discrimination. If I were to walk into a restaurant dressed appropriately, with the correct amount of money, and be told I was not being served, to never come back, and to not be told why I am being denied service, the news stations would be there. I've also reached out to the XXXX and FTC. I may not be a " big fish '', but I am a loud one, and it is bad business practices to discriminate against responsible customers and not provide just cause.
Consumer complaint received 2022-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (TX)

For the third time within the last few weeks, Citibank used fraud protection as a reason to prevent me from using my card to make purchases well within my established credit limit. 
This last time on XX/XX/2022, we had even notified Citibank that we were traveling so they would be aware. This even shows up in the app that we are on this trip. 

In all 3 cases, it took several phone calls to clear the fraud alert. The app asked if it was us, but didnt believe us, telling us we needed to call. 

Citibank is using extreme fraud protection as an excuse to prevent me from buying things at a destination store. Previously, Citibank prevented us from booking travel. 

In both situations, we simply used our Amex to complete the transactions. However, we missed out on additional points that we should have been able to earn.
Consumer complaint received 2024-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NEW YORK COMMUNITY BANCORP INC (MD)

My Flagstar VA home mortgage has been open and active and ( now transferred ), with excellent payment history and no late payments since I purchased my home in XX/XX/XXXX, however, without XXXX  days notification and transfer information, Flagstar Bank transferred my home mortgage loan to XXXX XXXX, affiliation of XXXX Mortgage company, on XXXX after I made my XX/XX/XXXX mortgage payment to Flagstar ; however, Flagstar bank neglected to report to all three credit bureaus, all new mortgage company transferred information, nor has XXXX XXXX reported the new home mortgage loan number and account information to all three major credit bureaus ..., this in term, has caused distress and negative effects to my credit history and credit scoring. Due to XXXX XXXX non compliance of reporting to all major credit bureaus of my first mortgage payment on XX/XX/XXXX, it has caused my credit scores to drop over XXXX points and this is harmful to my credit and scoring. Their negligence is causing undue hardship for me and preventing me from purchasing a new home and to sale my current home, as well. I called XXXX XXXX and spoke with XXXX in their escrow department on XXXX, XXXX, XXXX to request immediate reporting to all credit bureau, for their neglect to report to all credit bureaus is causing harm to my credit scores and undue hardship for me. XXXX XXXX verbally expressed her sincere apologies and said all reporting to the credit bureaus will be reported within XXXX to XXXX business days, and it's now XX/XX/XXXX and NO credit reporting has transpired. I have been waiting patiently for XXXX XXXX to report my new mortgage loan history and information to all credit bureau, but, they are neglecting to do so. On top of that, XXXX XXXX has emailed ( XXXX ) to inform of new home mortgage information with XXXX XXXX will be serviced through XXXX, a sub service by XXXX XXXX brand. At this point, I don't know where my VA home mortgage is located and who I should make monthly payments to. This is appalling and very disturbing, for a VA home mortgage and 100 % XXXX veteran to be treated as such.
Consumer complaint received 2022-06-23
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. (FL)

The credit bureaus stated my account was properly investigated but hos is that possible if the open date is inaccurate, the date last active is inaccuarate, and date last reported is not accurate. this ground for removal they also violate 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 a account without my written instructions
Consumer complaint received 2022-06-23
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. (NC)

In accordance with the Fair Credit Reporting act XXXX account number XXXX, XXXX XXXX  XXXX account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX  XXXX  account number XXXX, XXXX XXXX XXXX XXXX  account Number 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 2022-06-22
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. (GA)

i contacted Trans union regarding some inaccurate inquiries and they refused to look into my report. i called on XX/XX/XXXX to ask why and the representative told me to provide letters from the company stating why they pulled the report. i know my rights and i have the right to dispute and inaccurate imformation on my report. the following was included, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-06-22
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. (GA)

n accordance with the Fair Credit Reporting act XXXX  Account 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 2022-12-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC. (AR)

Please be so kind to help me, I'm asking for your company to help me enforce what the law states for this corporation to do correctly. On XX/XX/2021 I entered a consumer credit transaction with Chrysler Capital which involved a finance charge along with a down payment of { {$5000.00} } cash. Pursuant to 15 usc1605 ( a ) finance is charge is the sum of all charges in a consumer credit transaction and does not include cash. Chrysler Capital is in violation of the 15 USC 1605 Truth In Lending Act. Chrysler Capital didn't offer any insurance and they failed to disclose to me my right of recession and provided me with the appropriate forms to exercise my right which is in violation of 15 USC 1635. As a federally protected consumer under Title 15 Chapter 41, my rights have been violated and Chrysler Capital is criminally liable, pursuant to 15 USC 1611 and also civilly liable, pursuant to XXXX5 USC 1640 and 15 USC 1692K
Consumer complaint received 2021-04-15
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: Mercedes Benz Financial Services (NY)

I leased a car from Mercedes Benz Financial and at the end of the lease, extended that lease month-to-month while a new car was produced. The dealership and MB financial shared that the new car would be available by XXXX or at latest XXXX. Both discouraged me from purchasing the car coming off lease and encouraged me to continue the old lease ( same monthly payment ) as it would be just a few months. Now that new car is significantly delayed ( potentially until next fall ). MB Financial is now saying the only accommodation I can have is to return the old car or continue paying the current monthly payment. I believe these are deceptive marketing and financial practices. A simple calculation of the cost of the monthly payment implies that many thousands of dollars have been extracted from me unfairly. I have been unable to reach anyone who can offer any credible solution. I believe these are unfair and deceptive marketing practices and MB Financial is being unfairly enriched through this practice.
Consumer complaint received 2023-06-01
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. (NC)

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Consumer complaint received 2022-06-22
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: Bread Financial Holdings, Inc. (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-11-26
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (GA)

I have tried three times to arrange for a CD due to mature on XX/XX/XXXX to be paid to me in full ( preference is a transfer to my existing Wells Fargo account ) ON THAT DATE. 

I first asked a teller. She told me to make an appointment with a banker but there weren't any bankers working that morning so I should set up the appointment online. I did so. 

When I went to that appointment, the banker told me I would need to pay a penalty for closing the account early. I corrected her, saying I did not want to close the account early, I only wanted to arrange for it to be closed at the scheduled time. I was told that was not allowed, and that I had to make another appointment on the exact date it came due. 

Today, I received a letter from Wells Fargo and was given instructions that I could either make an appointment with a banker or I could call a number to close it. I called. I was told I had to call back between XX/XX/XXXX and XX/XX/XXXX but 'the system ' won't allow it to be pre-scheduled. 

This is nothing but an attempt to make the process so difficult that people end up renewing without intent or desire. If the system actually won't allow it, that's because they have chosen to hinder the process.
Consumer complaint received 2022-07-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MI)

I am a user of the Venmo mobile payment system. I was using the system in connection with my role as a XXXX for the senior graduation party ( referred to as " XXXX '' for XXXX XXXX XXXX ) at my son 's high school. 

Many of the parents were sending me money for the party via Venmo, and I, in turn, was sending it on to the treasurer of the event whose Venmo account is @ XXXX. 

On XX/XX/2022 ( the night of the party ), at XXXX XXXX, an unauthorized transaction from my Venmo account in the amount of {$1000.00} was sent to @ XXXX with the notation of " XXXX ''. I noticed this unauthorized transaction on the morning of XX/XX/XXXX, and immediately contacted Venmo. I was advised by Venmo that my account would be frozen ( which it was and has been ) and they would research the situation and get back to me with a resolution. 

Despite emails to the contrary, nobody from Venmo followed up with me. As such, my husband called Customer Service on my behalf, on or about XX/XX/2022 and again made Venmo aware of the situation. A provisional credit of {$1000.00} was issued ( properly ) at that time, though the access to my account ( and thus the credit ) remained frozen. 

Shortly thereafter, and with no explanation or discussion with me or anyone else to my knowledge, Venmo concluded its inquiry, determined that the transaction was not unauthorized, and took back the provisional credit. There was a reference to " documentation '' used in making its determination, but all that was provided was a screen shot of transactions ( which I have attached ). I note that @ XXXX did not show up as a Venmo account on XX/XX/XXXX when I discovered the transfer, nor do I believe has it been accessible since that time ( suggesting that it was a fraudulent account ). 

I have continued to try to resolve the issue with Venmo, have made them aware of their obligations under Regulation E and the Consumer Finance Protection Act and in response, all that I have received is form responses from " Team Venmo '' suggesting that I file a police report and other reasons that they can not research the matter or return the money taken from my account by a fraudster. Clearly they have information on @ XXXX that I do not, and it should have been as easy as investigating that account for fraudulent activity, but instead, Venmo has not complied with its obligations under federal law and instead given me the run around. I am still out the {$1000.00} as of course I needed to make good to the treasurer and remit the funds that I received properly from parents. 

Thank you for your anticipated cooperation. 

XXXX
Consumer complaint received 2022-06-22
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. (PA)

Someone gained access to my credit card and made purshases/changes that I did not authorize or regonize in XXXX XXXX. I disputed this information as I was told to do by a represenative they still reported a late payment