davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY (MS)

I used to bank with Wells Fargo and I found XXXX unauthorized ATM transactions on my Wells Fargo bank account statements. For both of these unauthorized ATM withdrawal transactions it states a phrase on my bank account statements after each transaction which happened on different dates. It states the merchant where the transactions took place, the ATM information, the address, then it says after all of this for each transaction, XXXX. These are XXXX transactions that I did not perform. Also, my husbands nickname is XXXX XXXX so I am thinking that a female friend of my husbands ( soon to be ex-husband ) stole my card and used it, then was for some reason favored by Wells Fargo. It states this XXXX after the address so it has nothing to do with the address and from how it is typed on my statements the XXXX and the XXXX are capitalized making it obvious that it means XXXX XXXX XXXX. So I am taking this as discrimination and negligence on Wells Fargo end and absolutely disgusting, disrespectful, and humiliating. They obviously favored this female friend of my husbands and stated that for my eyes to see on my personal bank account statements. I am absolutely dumbfounded and I will be seeking compensation for this. Also, someone unknown ( thought to be the same person ) established XXXX unauthorized Wells Fargo bank accounts in my name without my knowledge and/or consent, stole money from my personal savings account via unauthorized online transfer, was issued a debit card in my name, and performed an in-branch withdrawal transaction and wrote my SSN on the withdrawal slip wrong and off by a couple of digits and forged my signature stealing {$500.00} out of my account. I have also had other acts of identity theft with other banks, my XXXX email accounts, XXXX XXXX, and a local gym happen and it is thought and believed that this is the same person who did this. So it is possible that Wells Fargo aided someone my husband was having an affair with and who targeted me, making me a victim.
Consumer complaint received 2022-08-30
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)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF EDXXXX XXXX, US DEPT ED XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX, and XXXX 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 an account without my written instructions.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XX/XX/2022 To whom it may concern, I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 .As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable XXXX XXXX, illegally obtained personal and private information and sold it to other reporting agencies, including Experian, XXXX and XXXX. I did not grant XXXX XXXX XXXX XXXX permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders. 

As the consumer and natural person, Iam invoking specified remedy and make the following demands : -Cease and desist reporting of the account name filings to all consumer reporting agencies. 

-Remove reporting of the account name filings from all consumer reporting agencies. 

Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA. 

Regards, XXXX XXXX
Consumer complaint received 2022-08-30
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: JPMORGAN CHASE & CO. (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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, 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 purposeXXXX XXXX
Consumer complaint received 2022-08-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (TX)

I need to set the PIN on my card to use it as a Debit card as the instruction on the sticker on the front of the card say to do, however the company has blocked my phone number. I dial XXXX listed on the card, and the system immediately hangs up on me as soon as it begins to ring. I have tried this phone number many times over the past year with the same problem. This problem does not exist from any other phones I tried to call from, so they have specifically blocked my phone number. This is unacceptable because I can not use the card for debit purchases pursuant to the terms of the card agreement until I use someone else 's phone to call. I called the number with my wife 's phone and spoke to 2 different supervisors who refused to acknowledge that they block phone numbers, but my experience clearly indicates they do. This needs to stop as they are required by terms of the card agreement to at least speak to someone who purchases their pre-paid cards.
Consumer complaint received 2023-04-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: EAST WEST BANK (MA)

XX/XX/23 : I applied for an account w/Eastwest Bank XX/XX/23 XXXX Bank account XXXX was approved ; I applied for the XXXX XXXX XXXX that EastWest Bank  XXXX XX/XX/23 : My application was declined, no reason was provided XX/XX/23 - XX/XX/23 : I made several calls to EastWest bank , first to their online customer support ( Rep is XXXX  ) , then to the XXXX XXXX XXXX ( rep is XXXX XXXX ) . 

The reps demonstrated some confusion : XXXX recommended I apply as a new customer ( even though I was an existing customer ), I tried and the application just crashed ; XXXX stated that the XXXX card is no longer available. I believe XXXX then spoke to XXXX, so XXXX followed up by recommending that I apply at the bank branch in person. This is difficult, as I live XXXX hours away. 

XX/XX/23 : XXXX requested I forward her the reason for the XXXX card denial, I forwarded her the email ( which did not provide a reason ). I emailed XXXX and she looped in Online Banking ( Rep is XXXX XXXX ) XX/XX/23 : XXXX responded saying that I am not qualified for the XXXX XXXX XXXX, because I am an existing customer. I forwarded XXXX the page from the EastWest Bank website, stating that existing customers are eligible for the XXXX prepaid card. ( I also asked whether I would be eligible, if I closed my bank account, but did not receive a response ). 

XX/XX/23 : XXXX responded as follows : " Upon checking with back office, XXXX XXXX card is available for existing customers. However, we are sorry to tell you that your online application for XXXX XXXX was decline, and the application that submitted at the branch will get the same result. '' XX/XX/23 : I followed up XXXX, XXXX XXXX, requesting they provide a reason for future denials of the XXXX XXXX XXXX. No response. 

XX/XX/23 : I followed up again. No response.
Consumer complaint received 2022-08-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MD)

The issues that I am having an issue with my private student loan. I filed bankruptcy in XX/XX/2019 and it was discharged XX/XX/2019. The bankruptcy case # XXXX. Im still being charged for the loan.
Consumer complaint received 2022-08-30
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. (AZ)

PLEASE DELETE ASAP The following addresses are not mines ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX the following Employers are not correct ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXXXXXX OH XXXX THESE TWO BANKS ARE NOT MINES I DID NOT AUTHORIZE THEM. XXXXXXXX XXXX XXXX XXXX XXXX PLEASE DELETE ASAP
Consumer complaint received 2022-06-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: Majority USA, LLC (OH)

re : Majority Banking ( https : //www.majority.com ) On XX/XX/2022 Majority sent me email that my account will be closed on XX/XX/2022 and I should " ensure that you bring your balance to {$0.00} prior to the above date ''. I used my Majority bank account to pay off part of the balance on my XXXX XXXX credit card. 
The attempt by XXXX XXXX to pull funds on XX/XX/2022 was rejected due to " account closed ''. This resulted in retuned payment fee in the amount of {$39.00} added to my XXXX XXXX credit card balance and a negative mark on my record with XXXX XXXX.
Consumer complaint received 2022-08-30
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)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-30
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. (CA)

I was reviewing my credit reports and found several violations in accordance with the Fair Credit Reporting the following accounts such as XXXX XXXX XXXX XXXX # XXXX, XXXX Bankruptcy Court Dock # XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. the law States that 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 I am certain I did not provide anyone with my written consent!
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (TX)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection 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 2023-03-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (MI)

Someone filed a tax return in my name to get the last stimulus check of {$1400.00}. I was incarcerated at the time of activity. They e filed the return. The IRS put the return on a XXXX XXXX  card. ( now XXXX XXXX  ) The person ( s ) opened a Chime Bank account in my name then had the funds transferred over. I tried to dispute the claim with XXXX but they said I could not because they thought it was me. 

I contacted Chime and they closed the account but would not give me any information on the account. No amounts, account numbers, dates, anything. After begging one employee she told me the amount was {$1300.00} ish because of a transfer fee. 
I contacted XXXX XXXX  and they also closed the card account. The only info the gave me was that {$1400.00} had been put into there by the IRS but was taken out and put into a Chime account in XXXX of XXXX. If I am remembering the date correctly. 
I uploaded a police and an FTC report with Chime along with proof of my social security number. Chime told me they were going to send me info but after weeks I had to reach back out to them to get a confirmation email saying they are working on it. 

On XX/XX/XXXX, I received a letter stating of a debt for {$1300.00} ish from XXXX XXXX  whom Ive never banked for a retail credit card. ( no name on retailer ) Im not sure if they are directly related but noted for report purposes.
Consumer complaint received 2022-08-30
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. (LA)

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 ( 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. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-30
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. (SC)

I have inquiries I know nothing about that popped up from 2020 my XXXX XXXX was XXXX last month then out of no where it dropped to XXXX I never been late on a payment for nothing I feel like Experian playing with my credit score they dont wan na see XXXXXXXX XXXX people with good credit I mean why drop my score for no reason.!!
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (TX)

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

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 2022-08-30
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. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX Balance : {$560.00} XXXXXXXX XXXX XXXXBalance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} US DEPT ED XXXX Balance : {$1300.00} US DEPT ED XXXXBalance : {$510.00} XXXX XXXXXXXXBalance : {$0.00} XXXX XXXXXXXX*Balance : {$0.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1300.00} USDOE/XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-08-30
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. (MO)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2022-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/2022, I was traveling outside of the country in the XXXX and I believe my debit card info was stolen. I am not sure how, but it was taken likely from using the physical card and/or an RFID reader that was being used fraudulently at a gas station or a kebab stand that I know I visited that day. 

I submitted a fraud claim to USAA, albeit somewhat later, as I was unable to make the call while abroad and it was denied. 

The amount in question was for {$380.00} USD. 

I believe not enough attention was given to the issue. 

What is also worth mentioning is that I had a similar charge from the same fraudulent merchant on a different card which was decided in my favor. XXXX XXXX fraud department did a thorough investigation and found I was not at fault. 

I am not sure why USAA found I was at fault. XXXX XXXX Fraud Department handled the investigation and I am much more inclined to believe the methods used by them which ruled in my favor as opposed to a small, regional bank that has no exposure to markets outside the US. Ideally, I have the entire amount removed from my account. However, I am willing to work with USAA.
Consumer complaint received 2022-08-30
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report: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 2022-08-30
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. (MO)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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