davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

License ( this was an attachment to my XXXX application last week ) Money seems stuck in Compliance. I made an error wiring {$10000.00} ( it is on statement as XX/XX/XXXX ) to my closest friend. Im retired now, following a XXXX XXXX, but worked as an XXXX XXXX XXXX and XXXX  ; XXXX  still does. He has an XXXX  visa, but he is a XXXX XXXX  and spends much of his time in XXXX. We became good friends on the XXXX XXXX XXXX XXXX.

My bank, Chase, gives me Private Client status, so the officer in any branch helps me as needed. Rather than send the wire from my usual branch, I went to the one closest to me since I moved two years ago. I look rather pitiful with a XXXX and bad XXXX, but for me the worst thing is the XXXX XXXX in my XXXX. The Private Client officer there told me, when I asked, that I could use my friend 's XXXX address on the form ( for his account, which is in XXXX  ).

I wanted him to have some money to use at the XXXX festivals. I had to remove more than {$11000.00} from my IRA ( necessary when one reaches XXXX  ), so my plan was to send him from that amount, since I am no longer allowed to travel. It hit me afterward that sending it to his XXXX account but using his XXXX, rather than XXXX, address, was not the right way to do it. A couple of days later, someone from the bank called and asked me some questions, which I answered ; they said that now, all in compliance was okay : the wire passed muster.

I received different answers from the bank when I followed up. One person told me that the XXXX   bank was holding the wire ( wrong ). And so on. I then asked just to send the money back to me, but it was frozen.

I called XXXX this morning and left a message. A nice, PATIENT fellow explained the license to me. I had spent the weekend trying -- unsuccessfullyto fill out and send the form. Now I have a very good computer techie helping me.

Ive collected some documents, attached here, from both my friend and myself. All of the necessary addresses and phone numbers are on the form.

Thanks for your help. A swift redeposit would help me, because I am losing investment money daily.

Regards,
Consumer complaint received 2023-06-16
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. (AL)

I have tried on multiple occasions to reach out ; I have sent letters to the credit bureaus to have this address removed from my credit report. It still needs to be done. I am a past victim of identity theft, so incorrect information must not be on my credit report. The address that needs removal is XXXX XXXX XXXX, XXXX, AL XXXX. Please remove this address from my credit report immediately.
Consumer complaint received 2023-06-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: M. G. Credit, Inc. (TX)

MG CREDIT CORP is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$690.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2021 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2023-06-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo Bank used the right to offset twice by taking money for my wells Fargo XXXXXXXX XXXX out of my XXXX account. That is against the law and Wells Fargo sent me a letter w the case number XXXX stating that they had the right to take {$530.00} from my checking account on XXXX XXXX. They also took {$2700.00} on XX/XX/XXXX or XX/XX/2020. When I called Wells Fargo Bank in XXXX of this year I spoke to XXXX different bank employees back to back because my call was " accidentally dropped '' I got 2 completely different stories and date from the wells Fargo employees. The XXXX representative I spoke to was XXXX and the second one was XXXX. They overdrafted my account after my mortgage, also from Wells Fargo was deducted from my XXXX account. The mortgage then reversed the payment but kept the offset. The money that Wells Fargo took from my XXXX  account was for my XXXX XXXX debt. When I spoke to the man in the XXXX department, he said that Wells Fargo had the power to offset even though the XXXX government does not allow the right to offset for credit card debt. They sent me a letter on XX/XX/XXXX XXXX again stating that they had the right to remove those funds from my account. I believe that Wells Fargo broke the law and knew they were doing it. I would like to get a total refund of the 2 right to offset that Wells Fargo Bank took from me and I would like to see them punished for their illegal acts. Thank you XXXX XXXX
Consumer complaint received 2023-06-16
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. (AL)

I have been reaching out so serval months ; I have sent letters to the credit bureaus to remove these XXXX addresses and the different inquiries from my credit report, but it still needs to be done. The XXXX addresses that require immediate removal from my credit report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX # XXXX XXXX, AL XXXX XXXX The inquiries that need to be removed from my credit report are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-19
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: SYNCHRONY FINANCIAL (MS)

In accordance with the fair credit reporting act, XXXX XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX XXXX has violated my rights. 
In accordance with the fair credit reporting act, SYNCB/CARE CREDIT has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.1 5 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 late for any purpose.

15 USC 1681a : report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1681c-2 : Block of information resulting identity theft.

15 USC 1681n : Civil liability for willful noncompliance.

15 USC 1681o : Civil liability for negligent noncompliance.
Consumer complaint received 2023-06-16
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: General Motors Financial Company, Inc. (FL)

Per the FCRA, I am a federally protected consumer. According to the law, consumer reporting agencies are to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are classified as consumer reporting agency, and I by definition am the Consumer. Pursuant to 15 U.S Code 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. GM FINANCIAL per 15 U.S Code 6801 is defined as a financial institution ; of which I am sure the U.S. Department of Justice, the U.S. Department of Housing and Urban Development, the U.S Securities and Exchange Commission, and the Office of the Comptroller of the Currency [ would ] consider any information that this institution engaged in illegal credit practices before the end of the institutions next performance evaluation. GM FINANCIAL is in violation of 15 U.S Code 1681a ( 2 ) ( A ) ( i ). GM FINANCIAL is under the regulation of many laws and as previously mentioned one of those is the FCRA, which states 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. Pursuant to 15 U. S Code 1681c ( a ) ( 5 ) the publishing of any adverse item of information should not be on any consumer report. It clearly states except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This is a violation as they are reporting these items without my permission. 15 U.S Code 1681e states every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.
Consumer complaint received 2023-06-16
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2018-11-08
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: EQUIFAX, INC. (AZ)

I currently have 36 inquiries reporting on my credit report on Equifax that are without a firm line of credit. I have circle all 36 inquires on my credit report and included them as an attachment below. Credit bureaus may only report inquires that are 1. FIRM LINE OF CREDIT * ( result of open acct only ) 2. COURT ORDER 3. LEASE AGREEMENT * ( result of apartment rental application ) 4. EMPLOYMENT These inquiries are do not have a firm line of open credit connected to them.

The FCRA Law require everything on your credit report to be accurate, valid and complete. These 36 inquiries should not be reporting on my Credit Report.
Consumer complaint received 2023-06-19
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. (NY)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-16
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)

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

Account name : XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX  Account name : XXXX Account number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

This is in regard to my Coinbase account. Once again, I have been rendered disabled from my Coinbase account where I can not do any trading, buying, selling or transferring money from my account to Coinbase ; and I have tried numerous times, and I have followed all of Coinbase 's instructions and complaint. This has been going on for several days. I have over {$44000.00} locked in this account where it remains completely frozen. I have been given codes to give to Coinbase, a direct line. My codes have been XXXX and another code has been XXXX, and I have had an authenticator code XXXX ; and my most recent discussion about my account was speaking to a lady named XXXX at XXXX XXXX on XX/XX/2023, namely on XXXXXXXX XXXX XXXX. I am spending my XXXX 's XXXX where I should be relaxing. I am getting stressed over my Coinbase account. The last time this happened, I requested your services ; and within 24-48 hours, I was miraculously reinstated, whereas before I was out of the account for more than three months. I need your assistance. The account that they use for Coinbase is based on my email address which is XXXX and my cell phone is ( XXXX ) XXXX and my home address is XXXX XXXX XXXX, XXXX, NY XXXX. Please assist me, and Coinbase has also been charging me {$20.00} a month to have 24-hour access and not to be charged for any transactions ; however, this has not been the case. I need a credit for the payments that I made with no service being given. Once again, Coinbase has rendered poor quality service on a continuous basis, and they should be admonished for this. Please assist me in any way you can, and please expedite my account.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

To Whom It XXXX Concern : I recently received a copy of my ( XXXX, Equifax XXXX XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX  XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX Enclosed : copy of ID
Consumer complaint received 2023-06-19
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2016-04-21
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: PNC Bank N.A. (FL)

On XXXX XXXX, 2016, I walked into a PNC branch and applied for a check ready loan. I was instantly approved for {$50000.00} " check ready loan ''. I took the check to the Auto Dealer and I was told the check is not valid since I wanted to add my family member to the title. I returned to PNC branch. At the branch, the representative was instructed to destroy the check and I need to apply as a joint application. The Branch followed instructions provided by the underwriter. The application was entered and it was status as denied " Straw purchase '' I returned to the auto dealership and the agent there was able to provide me with a loan. I have excellent credit and worked very hard to maintain a high beacon score of over XXXX. The decline given at PNC was one unacceptable and secondly, tarnish my good credit. I consider this to be bad business practice and very disappointed as a consumer. I believe the PNC underwriter handle this situation with limited information and did not try to clarify or rectify any misunderstanding. Bad business practice affecting consumers in a negative way. 
PNC Application Reference Number : XXXX
Consumer complaint received 2023-06-19
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: National Credit Adjusters, LLC (FL)

I have spoken with, on a number of occasions this year as well as the past 2 years to two agencies about their reporting practices. I've asked both XXXX XXXX XXXX and NCA to STOP REPORTING without my consent. 
I don't know who they are nor have I agreed to contracting with either company. Furthermore, I haven't given my consent to anyone to share my personal information.
Consumer complaint received 2023-06-19
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. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.