davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-11
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIZENS FINANCIAL GROUP, INC. (NC)

I separated from my spouse ( primary person on said loan ) in XX/XX/2017. My ex retained all monies from our business we owned together, therefore the judge had court ordered her to pay for both house payments and all vehicles we owned together. This document was put into force in XXXX and did not end until XXXX XXXX. At which time I was out in control of paying the loan off. Line item # 25 of the new document specifies exactly which vehicle I was out in control of paying for. My ex ( primary on acct ) didnt pay the last two months of the loan and when I had the vehicle, I sold it. The reports on late payments should be only on the primary person since it was court ordered that it was not my responsibility.
Consumer complaint received 2022-08-11
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: GOLDMAN SACHS BANK USA (CA)

I connected with a person on XXXX and agreed on paying for seats for 3 round-trips on a bus for a 3-day event in XXXX XXXX. I paid half as a deposit and then the remaining half on the first day of the event. Despite paying for SEATS, the bus overbooked and my wife had to sit on someone's lap for the long trip both on the trip there and on the trip back. Others had to lay on the floor and on eachother. It was super dangerous in the case of a crash not to mention very uncomfortable. My wife asked for a refund and used XXXX 's services instead on day 2 and 3. The bus service refused to refund, claiming a no-refund policy which was never mentioned in any of their material on XXXX. It was mentioned in their website but my wife found them on XXXX, talked to them on XXXX, received the invoice and paid it before we even learned of their website. At no point did we agree to those terms. 

I disputed the payment and Apple card decided in my favor for the deposit of {$270.00}, but not for the other half ( an additional {$270.00} ). I don't understand that. Either you agree that the service was not rendered, or you don't. How is it half in my favor and half against? 

Even more frustrating, this process has been ongoing for nearly 4 months now with essentially zero communication other than to tell me my dispute was not resolved in my favor. I went online only to find that they were even under investigation for this exact behavior. After trying to file a complaint with consumer finance, my complaint got closed with a message that says that my earlier complaints were processed. What earlier complaints? This was my first ever complaint.
Consumer complaint received 2023-12-28
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. (TX)

Per 15 usc 6801 And b ( 3 ) I wan na opt out of you sharing my personal non public information that has been harmful to me and has been beyond nonpublic personal information following 15 U.S. Code 6805 - Enforcement and 16 cfr 313 ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information.pursuant to Privacy act of 1974.
Consumer complaint received 2022-08-11
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. (CA)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the account listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 

Please remove/block the account as they are fraudulent & were opened without my consent or knowledgeXXXX XXXX XXXXXXXX
Consumer complaint received 2019-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax ; XXXX and XXXX  are reporting incorrectly a late payment in XXXX, 2019 on the XXXX XXXX account. I never received a statement in the mail so I paid over what I thought was the outstanding balance. Unfortunately, the interest carried over and I was short on the monthly payment by a fraction. I wasnt aware of a late payment until I looked at my most recent credit report and saw there was a late charge. I immediately paid the amount required. However, due to not receiving my statement and not being properly notified of the late payment, I respectfully request that this late payment be removed from my credit report. This incorrect reporting is harming my credit score.
Consumer complaint received 2022-08-11
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. (MI)

he List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1.Account Name : XXXX XXXX XXXX XXXX Account Number : 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 2 .Account Name : XXXX  XXXX Account Number : 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, Delete this account immediately, unless you want to be held {$1000.00} per violation 3 .Account Name : XXXX  XXXX Account Number : 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 instruction, Delete this account immediately, unless you want to be held {$1000.00} per violation
Consumer complaint received 2022-08-11
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)

The account reporting by XXXX XXXX  is fraudulent. I do not owe the original creditor. There is not even a date of first delenquincy. not only that i have proof from original creditor that my balance was XXXX at the time of account closure. i want this inaccurate information removed imediately for violation of my consumer rights under the fcra Delete for violation of 15 U.S. Code 1681e ( b ) Accuracy of report 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.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (TX)

I have been locked out of the experian system since XX/XX/2022 XXXXTherefore I cant have access to unfreeze my account and I cant apply for any credit because my account is freezeD .In order for me to unfreeze my account I need to be unlock first. I have try by all means to find live help to solve my problem and it is impossible to talk to someone .I have dialed several different numbers, send a fax, mail them a letter to their po box NO RESPONSE at all. The number they have for support is just a recording machine and has no option to Unlock .It is very frustrating and it is causing me so much trouble for situations where my credit needs to be pulled. PLEASE I NEED HELP ASAP, LOOKS LIKE I WILL NEVER BE ABLE TO FIX THIS PROBLEM. Experian has the worst customer service in the world
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.
Consumer complaint received 2022-08-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collectibles Management Resources (CA)

Inaccurate unauthorized Fraudulent Collections Charge Offs Activity in XXXX And XXXX Credit Report This Fraudulent Activity On My Account And I Need All Removed Immediately. 

I have not supplied proof first under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, ) I presume that no proof of the alledged debt, nor therefore any such debt, exist
Consumer complaint received 2022-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/XXXX at XXXX to XXXX XXXX  I had made a atm deposit of about XXXX $ cash with XXXX eye witnesses with me I tapped my card put my pin in inserted the cash atm started counting for what felt like 5 minutes then the screen went white and error popped up and it said this machine can no longer take cash deposits I call the bank the following day and they said they will start an investigation about 10 days go by and I call them back and they claim they broke down the atm and found nothing I asked they look at the cameras because I was for sure there and they said its a 3rd party who manages the atms this is chase bank on XXXX and XXXX in XXXX Colorado I am very upset with XXXX as I just opened this account and it is my first bank account ever Id really like this to get resolved as I have bills to pay and XXXX is a pretty big setback when your on minimum wage!
Consumer complaint received 2023-12-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (WA)

In late XXXX, I noticed my XXXX credit reports show 2 Wells Fargo credit accounts while I was only having 1 credit card ( XXXX  ). I checked accounts details, one of them was showing payments from XXXX, and the other one was showing payments from XXXX. As my XXXX  card had an fraud issue back in XXXX, and I asked for the replacement card at that time, I noticed the credit card company created another account for me, which is absolutely not correct, thus, I dispute the old account in my file. However, in early XXXX, I noticed Wells Fargo closed my current XXXX  card account ( ending in XXXX ) as I couldn't see any transaction for this current card, and I only can see my old credit card statement ( ending in XXXX ) back in XXXX. Clearly Wells Fargo closed my current account ( XXXX ) and left old card ( XXXX ) there, while my request was to remove the old account from my credit report because eventually I should only have ONE SINGLE account from Wells Fargo. I made a few calls to Wells Fargo, everyone felt it was weird, but no one could give me a solution. I got 2 calls from the investigation team earlier XXXX, but I haven't hear anything back yet.
Consumer complaint received 2019-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NJ)

I went to PNC Bank. Requested a withdrawal amount of {$1000.00} dollars. The teller provided me {$700.00} only and didn't provide me a receipt. Now, I would like to see the footage from the cameras of the branch for accuracy since they say in their sistem it says {$1000.00}. They aren't willing to help as I need their help clarify this. Please help me, if it takes me to testify in court I will. I need to see the footage of the cameras from XX/XX/2019 in the morning.
Consumer complaint received 2019-05-20
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: Experian Information Solutions Inc. (NJ)

The Debt Collection Company XXXX XXXX XXXX, XXXX has been reporting the incorrect First Date of Delinquency to the Credit Bureau for account # XXXX. The First Date of Delinquency being reported to the credit bureau is XX/XX/XXXX. As outlined in the uploaded XXXX XXXX XXXX documents the First Date of Delinquency as XX/XX/XXXX in the reply to CFPB claim XXXX. XXXX listed XX/XX/XXXX as the date they purchased the account. According to FCRA XXXX ( XXXX ) ( A ) Date of Delinquency must match that of the Original owner of the creditor ( XXXX XXXX. I tried to request a dispute regarding the incorrect date of delinquency being reported however, Experian will not allow me to file another dispute. The previous dispute was closed without any resolution. I do not believe Experian requested the proper documentation to substantiated the information being reported. XXXX also just completed an account ownership verification and not an investigation of the accuracy of the information as I specified. Please see the Reply provided by XXXX XXXX XXXX on XX/XX/XXXX to Consumer Financial Protection Bureau claim XXXX XXXX, alleging that they are reporting a First Date of Delinquency of XX/XX/XXXX not XXXX. In this case XXXX is alleging that the Experian and XXXX Credit bureau is INTENTIONALLY NOT reporting the correct Date of Delinquency of XX/XX/XXXX. ( Please see attached documents to support claim ).
Consumer complaint received 2022-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed a account with Transunion, for collections company XXXX on my credit report. The account was hacked and compromised, I sent a filed FTC identity thief report and Police report. I have tried everything and this complaint is my last hope in fixing this issue. The company is non responsive and Transunion continues to report inaccurate information. Please help. I have attached the FTC identity thief report and Police report.
Consumer complaint received 2022-08-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (GA)

On XX/XX/XXXX, a charge was posted to my account in the amount of {$49.00} from a company that I had previously done business with. The charge was not authorized as the subscription with this company was cancelled back in XXXX. I tried to resolve the issue with the vendor, to no avail. I then contacted Chime to dispute the transaction. The initial dispute was denied a few days later with no explanation given. The following day, I received an email from the vendor stating that they would be refunding the {$49.00} and that the refund was sent to Chime on XX/XX/XXXX. By XX/XX/XXXX, I had no yet received the refund and contacted Chime. I was advised that since the refund was not yet sent to the bank, that they could reopen the dispute and receive a provisional credit. I was advised to send the evidence from the vendor showing that I was promised a refund ; I forwarded the email chain showing the promise of a refund between myself and the vendor to Chime on XX/XX/XXXX. I received notification 1 day later from Chime stating the the claim was yet again denied, with no explanation. There was also no investigation into the dispute. I called Chime yet again on XX/XX/XXXX to reopen the dispute a 3rd time, since it was now 5 business days from the date I was promised a refund. I was told that they would reopen the claim but that no provisional credit would be issued, due to the type of transaction, and that I would have to wait for the full 90 days for this credit.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (CA)

XXXX XXXX, Early Warning Services third party reporting agencies reporting collections, charge offs, late payments. Per the FRCA as a Federally Protected Consumer I Am Opting Out of Any and all Authorizations I the consumer may have given written/Unwritten verbal/nonverbal per 15 U.S.C 6802. The Privacy Act of 1974 a Charge Off is considered a Certificate of indebtment and all charge offs be removed the Law states that it is illegal to report transaction history.
Consumer complaint received 2022-08-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

To Whom it May Concern : Since my initial complaint, XXXX, was closed, I have not received any more funds nor any communication from Capital One Bank XXXX I continue to call the fraud department, and I leave messages that receive no return on the status of the account ending in XXXX. 

I need the remaining funds from that closed account. If Capital One wants or needs to complete its investigation, why do they not end my involvement by giving my money to me? That's all the funds I have. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (WA)

The complaint is about my credit card issued from Citi Bank. It is a Master card ending XXXX. There were 21 unauthorized purchases made on XX/XX/2022. All the purchases were from a vendor named : XXXX XXXX XXXX XXXX XXXX XXXX which is in XXXX. I reported to Citi Bank 's fraud department on the same day and a new credit card was issued. The bank replied that they will investigate the fraud and I am not responsible for it. Later on, however, these 21 unauthorized charges were posted to my new credit card account. I am also dissatisfied that no fraud alert/ immediate action to the credit card when the bank realized the suspicious activities. The detail of the 21 unauthorized purchases are as follow : 1. XXXX XXXX XXXX XXXX XXXX XXXX : {$250.00} 2. XXXX XXXX XXXX XXXX XXXX XXXX : {$210.00} 3. XXXX XXXX XXXX XXXX XXXX XXXX : {$220.00} 4. XXXX XXXX XXXX XXXX XXXX XXXX : {$240.00} 5. XXXX XXXX XXXX XXXX XXXX XXXX : {$240.00} 6. XXXX XXXX XXXX XXXX XXXX XXXX : {$240.00} 7. XXXX XXXX XXXX XXXX XXXX XXXX : {$270.00} 8. XXXX XXXX XXXX XXXX XXXX XXXX : {$250.00} 9. XXXX XXXX XXXX XXXX XXXX XXXX : {$260.00} 10. XXXX XXXX XXXX XXXX XXXX XXXX : {$160.00} 11. XXXX XXXX XXXX XXXX XXXX XXXX : {$160.00} 12. XXXX XXXX XXXX XXXX XXXX XXXX  : {$160.00} 13. XXXX XXXX XXXX XXXX XXXX XXXX : {$120.00} 14. XXXX XXXX XXXX XXXX XXXX XXXX : {$140.00} 15. XXXX XXXX XXXX XXXX XXXX XXXX : {$200.00} 16. XXXX XXXX XXXX XXXX XXXX XXXX : {$150.00} 17. XXXX XXXX XXXX XXXX XXXX XXXX : {$200.00} 18. XXXX XXXX XXXX XXXX XXXX XXXX : {$220.00} 19. XXXX XXXX XXXX XXXX XXXX XXXX : {$220.00} 20. XXXX XXXX XXXX XXXX XXXX XXXX : {$210.00} 21. XXXX XXXX XXXX XXXX XXXX XXXX : {$220.00}
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-08-11
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. (DE)

To Whom it May Concern : Pursuant to 15 U.S.C 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. 
1.XXXX XXXXXXXX XXXX 2. XXXX XXXX BANK XXXX XXXX 3.XXXX 4. XXXX XXXX 5. XXXX BANK 6. XXXX  7 . XXXX XXXX BANK 8. XXXX 9. XXXX  10 XXXX XXXX XXXX 11.XXXX Sincerely, XXXX XXXX