davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (VA)

Unsolicited, I received a XXXX XXXX mastercard from Citi. When I called the number on the back of the card : XXXX to report this fraud, they refused to cancel my card despite my verifying my address, phone number, and account number. They said I also needed to verify my social secuirty number. I refused to do that. Why should I give my social security number to an institution that already has sent me a fraudulently acquired card?
Consumer complaint received 2023-07-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION (NC)

i applied for an XXXX dollar personal expense loan with navy federal credit union yesterday ( XX/XX/18 ) and today it was denied. so i did an appeal and the appeal was denied. but i asked the rep to notate that i wanted them to repull my credit for the appeal but they never did. i know because i get alerts when my XXXX  is pulled. they pull XXXX  for personal loans but this time they didnt bother pulling my credit. they are bad for business. at the end of this month i am closing my accounts and no longer doing business with them. i am going to report them to the department of justice soon
Consumer complaint received 2023-07-20
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Hello my name is XXXX XXXX and I am writing to you because of an inaccuracy that has been reported on my credit report from capital one bank stating that I was late on my credit card payment on XX/XX/XXXX, I was not late on my payment I made a payment on time payment on XX/XX/XXXX for {$33.00} Capital one credit card department is stating that they did not receive the payment and failed to verify the reason this is the old account credit card number ending in XXXX and now is XXXX I have an email conformation showing the credit card was paid on time. 

This is an in accuracy and the late payment needs to be removed from my credit report because I paid the credit card on time on XX/XX/XXXX for {$33.00} I also have proof from a screenshot sent by capital one in my email.
Consumer complaint received 2021-02-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (VA)

I currently have a trading account with the trading app Robinhood. I have tried to withdraw money from the account and transfer it to my bank account several times. Without explanation my account was restricted and I am unable to withdraw the money. I have reached out to customer support several times since the beginning of XXXX and have yet to receive and response or explanation. This is absolutely unacceptable.
Consumer complaint received 2022-07-19
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Westlake Services, LLC (NY)

My vehicle was in an accident on XX/XX/XXXX and deemed a total loss. 

The insurance XXXX, XXXX, identified a settlement amount of {$37000.00}. This number was greater than both the capitalized cost XXXX, adjusted capitalized cost {$32000.00}, and residual value, {$22000.00} as indicated on my lease agreement dated XX/XX/XXXX. 

on XX/XX/XXXX a payout from the insurance XXXX was conducted for {$29000.00} to XXXX XXXX XXXX XXXX the total payout amount quoted on the vehicle. and {$8400.00} to Credit Union Leasing of America ( CU Leasing Corp ), the title holder of the vehicle. 

Per Section 16 of the lease agreement VEHICLE ACCIDENT AND DAMAGE LOSS OR DANGER AND GAP - " If the vehicle is damaged beyond repair or is lost or stolen and recovered, the vehicle is a " Total Loss '' and the Lease terminates. I realize you have no obligation to replace the Vehicle. If the Total Loss is a result of my intentional, fraudulent or criminal acts, I will owe the early termination liability set forth in Paragraph 17. if the Total loss is not a result of my intentional fraudulent or criminal acts, I will owe the sum of the deductible under my policy, any past due amounts under the lease, including the lease payments, that accrued prior to the date of the Total Loss, and any other deduction made by the insurance company when it honors your claim based on the condition of the Vehicle prior to the total loss ... '' Despite the clear terms of the Provision 16 of the Lease agreement that indicated that the lease would be terminated and that I would owe any deductible plus any past due amounts under the lease ( all fully paid ). Credit Union Leasing of America ( CULA ) kept the extra amount of money on the lease in excess of the quoted payout amount {$8400.00}. Instead offering me a mere payout of {$2500.00}. When I reached out to CULA they were unable to articulate why they were entitled to the excess payout amount of {$8400.00}. 

This appears contrary to the contractual terms of the lease agreement and further was the exact difference in value between my previous lease and new lease for the exact same vehicle, leaving me in a worst condition than I would have been with the full insurance payout in excess of the quoted amount.
Consumer complaint received 2018-02-07
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. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 



I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2024-09-05
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. (TX)

I am contacting you to address significant inaccuracies that I have identified on my credit report. These errors pertain to specific accounts listed in your bureau 's records, which are currently reflecting incorrect information. 

Enclosed are letters that detail the nature of these errors, including documentation supporting my claims. The discrepancies involve incorrect reporting of payment history, account status, and other vital data that are adversely affecting my credit profile. As these inaccuracies do not align with my actual account activity, it is essential that they are corrected promptly. 

I am requesting that you initiate an investigation into the accounts mentioned in the attached letters, rectify the errors, and ensure that the inaccurate information is removed from my report. I also ask that my credit report be updated to reflect the correct information in accordance with the Fair Credit Reporting Act ( FCRA ). Once the corrections have been made, please provide me with confirmation in writing. 

If any further information is needed to process this dispute, feel free to reach out to me at your earliest convenience. I expect a timely resolution to this matter and appreciate your cooperation in correcting my credit file.
Consumer complaint received 2017-10-30
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: Experian Information Solutions Inc. (TX)

I am not familiar with and have no recollection of requesting Credit from the following agencies and the following dates as reported by XXXX EXPERIAN and XXXX. I have reached out to customer service at XXXX EXPERIAN and XXXX and they would offer no assistance in taking care of removing these negative inquiries reporting to my credit report. 

XXXX - XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX EXPERIAN - XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX & XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2022-07-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/XXXX I received an email from PayPal that I can no longer do business with them. XXXX XXXX - XXXX This email did not provide a reason and phone calls to PayPal support would not answer questions. Their email says they may hold the money for up to 180 days. 

On XX/XX/XXXX I created a case on the XXXX. ( " XXXX XXXX '' ) I did not receive a response until XX/XX/XXXX. Their slow response was unwilling to assist or further explain. ( " XXXX XXXX '' ) I also contacted the XXXX XXXX Attorney General office on XX/XX/XXXX. The NY XXXX was unable to assist. ( " NY XXXX XXXX '' ) On XX/XX/XXXX, I emailed XXXX. ( " XXXX - Customer Support Fails to Assist Account Limitations ( 1 ) ( 1 ) .pdf '' ) All other attempts at contacting PayPal were unsuccessful and did not lead to a resolution, further detail, or a way forward. Their response on XX/XX/XXXX indicated : " Due to the potential risk of chargebacks and other forms of reversals, your remaining balance will be held for 180 days from the date the limitation was placed on your account. I will personally follow up with your account to ensure that the funds are available to you at this time. ". ( " XXXX - Response from XXXX in PayPal XXXX XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) .pdf '' ) During this time span no chargebacks or other forms of reversals occurred. According to this, I am entitled to withdraw my hard-earned account balance of {$3300.00}. I never received a follow-up email about the status of my funds. On XX/XX/XXXX I replied to the email asking for an update but received no response. 

After over 180 days passed I logged into my account to see the account had been emptied by them without notification. I received no email that a withdrawal transaction had occurred. My account was signed up for email notifications when it receives money or has money withdrawn. This transaction did not notify by email as it should have. 

In XXXX, I began working with the Law Offices of XXXX XXXX XXXX, XXXX We put together a formal demand letter which was submitted on XX/XX/XXXX. ( " PayPal XXXX - XXXX ( XXXX ) .pdf '' ) This letter was addressed to their legal department. We received a response dated XX/XX/XXXX. It should be noted the response received is from " XXXX '' in XXXX Escalations despite this letter being sent to their legal department. 

Additionally, on the same day of XX/XX/XXXX, my father XXXX XXXX 's account with a balance of {$8100.00} was also suspended. ( " XXXX XXXX Account XXXX '' ) His account was emptied without notice and we were not made aware of this until he logged into the account. The details of this are also summarized in the demand letter. 

Complaints are also being prepared for submission to the XXXX, New York XXXX XXXX house representative XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, and resubmission to the XXXX. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-03
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. (IL)

This is XXXX XXXX submitting this CFPB complaint requesting that the Credit Bureaus remove the disputed fraudulent items reporting on my Credit Report. I have read that the Credit reporting Agencies are required to remove any accounts and information that resulted due to identity theft under the Fair Credit Reporting Act section 605b. I feel like the Credit Bureaus have done nothing to correct my Credit file. I am submitting this CFPB complaint to follow up the previous complaint I submitted last XX/XX/2022. I need the following items deleted as soon as possible : XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00}. If the Credit Bureaus claim that the Disputed items do belong under my name, I need the Credit Bureaus to provide me copies of proof of verification or any documents bearing my signatures. If the Credit Bureaus find no such documents, I would greatly appreciate it if the Credit Bureaus would immediately remove the disputed items from my Credit report.
Consumer complaint received 2023-07-19
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: Experian Information Solutions Inc. (FL)

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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX, XXXX Account name : XXXX XXXX, XXXX Account name : XXXX XXXX XXXX, XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect? 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. I am trying to buy a home and this a defamation of my character.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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.

15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/Invalidated credit information.
Consumer complaint received 2024-10-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

I have a reservation regarding HSBC bank as I have transferred 2020 USD from XXXX broker to my XXXX bank account in XXXX XXXX ( that is also a USD account ) via XXXX or wire transfer and selected HSBC as my correspondent bank. I selected it because XXXX bank ( XXXX XXXX XXXX  ) is linked to HSBC bank. But now XXXX bank is saying that HSBC bank has cancelled your transaction. Please ask them about it and try to resolve it at earliest possible because I want this amount urgently. 

Regards XXXX XXXX
Consumer complaint received 2022-07-16
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: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX account no XXXX XXXX XXXX XXXXXXXX Account No : XXXX XXXX XXXX XXXX XXXX Account no : XXXX have 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 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In XX/XX/2022, I sent off certified letters to the three credit bureaus asking them to properly investigate my credit profile. I asked XXXX, Equifax and XXXX to do a proper investigation and remove any items and accounts that were inaccurate or had errors. After their investigations, some accounts with errors were removed from one agency while remaining on other agencies. The accounts that remained were sent back to me stating that they were " updated/verified '' but the inaccuracies and errors still remained on those accounts. I have the right to correct information or otherwise have those accounts with error be removed from my credit profile according to the FCRA. 

15 U.S.C. Sec. 1681i ( a ) says that if you cant provide proof, then the accounts must be deleted. I want the accounts deleted if theyre not 100 percent right, accurate and correct.

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.

I will attach my letters that were asking for a proper investigation and I will attach the responses of the credit agencies.
Consumer complaint received 2022-07-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio (FL)

The debt arrived from security cameras that were in a restaurant that I owned I sold the restaurant the loan was to be paid by the new owners. I had no idea the debt was not being paid this was in XXXX and I heard nothing from the creditor until XX/XX/XXXX when I was being threatened with suing me Over the debt and they placed the collection on my credit.
Consumer complaint received 2021-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NE)

On XX/XX/2021, I had my cell phone and wallet stolen from a park. The following day, my Wells Fargo debit account was riddled with fraudulent transactions, including a check deposited to my account, and the funds from the check being withdrawn via atm and XXXX XXXX. I was also locked out of my online banking account, making it impossible to see what was going on. I reached out to Wells Fargo to submit a claim. I told them my situation and that whoever had my card also had my cell phone so they had access to my online banking, phone number, and XXXX XXXX. The fraud department removed many of the invalid transactions, but denied my claim on the check and subsequent withdrawals. This has left my debit account with a negative balance of around {$5700.00}. They expect me to deposit the negative balance, even though Im not responsible for the missing funds. I have requested an appeal on the denied claim but am not hopeful in it resulting in my account being credited.
Consumer complaint received 2022-07-16
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: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting Act XXXX  account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 604 A states I have the right to privacy 15 U.S.C 1681 section 604 A section 2, also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-12-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (NC)

I purchased shares of the stable coin XXXX through Coinbase on XX/XX/2021, for the amount {$970.00}. This purchase gave me XXXX shares of XXXX, and I have a screen shot of the original receipt that shows how many shares I purchased, I also have a screen recording of them changing the amount of shares. They then went in and called it a glitch, and locked the trading of XXXX. I had {$61000.00} worth of GYEN that I could not withdraw or do anything with because they locked the trading abilities. They claimed it was a decimal glitch, and then went in and changed the amount of shares in my account, it now says I have XXXX shares. Their policy states that all purchases are final with no exceptions, yet they went in and changed the amount of shares after the initial purchase going against their own policy.