davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED IMMEDIATELY.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX reported account as lateXX/XX/XXXX, my account was not late. I provided bank information showing funds were in account. The info was reviewed and company approved to amend credit report. The XX/XX/XXXX late payment still appears on all three credit reports ( TransUnion, XXXX and XXXX ).
Consumer complaint received 2024-10-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (PA)

Last year I was with Chase Bank and my account got closed and my account was negative because I wasnt gettin mf direct deposit. I ended up going to a XXXX branch they denied me and told me to get in contact with early warning services. So I went back to chase to pay my debt. And it was confirmed that I had a charge off the account & we tried to go ahead and open up an account and it still wouldnt allow me. I just want to fix everything so that I can be able to open up a account with a bank.
Consumer complaint received 2024-10-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/year>, I filed a complaint against Wells Fargo as to why they were holding my wire in the amount of {>= $1,000,000}. I filed this complaint with you. 
Complaint Number : XXXX. 
Wells Fargo replied through a woman named XXXX, that said because I was not a Wells Fargo client, I had to go back to the originating bank. 
I called the originating bank on Thursday, XX/XX/year>, after a useless placating phone conversation with this woman XXXX. The originating Bank, ( wire is attached ) emphatically stated that they were not in receipt of the funds, that in-fact the wire left there on XX/XX/year> and was never returned to them. 
On XX/XX/year>, I received a letter from XXXX at Wells Fargo Bank ( attached ) stating the same as the conversation that I already had. 
Well in fact, I am not a client of Wells Fargo but XXXX XXXX XXXX XXXX is and the wire was sent through to Wells Fargo as directed by XXXX XXXXXXXX XXXX Contract with Wells Fargo! 
( See attached document ). Now because Wells Fargo replied to you, CFPB closed the case. This is ridiculous as there has been no resolution. I want CFPB to do more than just pass my compliant to Wells Fargo without a release of my funds.
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

The issue is causing me significant distress and XXXX to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible.
Consumer complaint received 2024-10-01
Product: Credit 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: AMERICAN EXPRESS COMPANY (WA)

Re " XXXX Transaction : XX/XX/year> : XXXX XXXX XXXX XXXX XXXX  - {$3000.00} XX/XX/year> : XXXX XXXX XXXX XXXX XXXX {$350.00} XX/XX/year> : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$38.00} I found out about the above fraud transaction and reported to American Express back in early XXXX, XXXX. In stead of taking any action against it, American Express decided to terminate the business relationship with me, denied the fraud claim without a specific evidence and closed my account. I tried to reopen the claim on XX/XX/year> and it was automatically closed the same day without further investigation or giving me a chance to submit more evidence. This is against the consumer right of the US government laws. 

By this complaint, I respectfully request American Express to fulfill the duty of protecting customer from fraud transactions and approve the claim. I also would like to submit additional documents for evidence that the transactions are really fraud transactions. 

I contacted all the merchant and got XXXX responses from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Both of them confirm that the charges are fraud but as the fraud claim is already asserted, they advised me to submit the information to the bank to get the money back. XXXX XXXX XXXX confirmed there is no student associated with the payment and the payment has no relation to me as a card holder. 

XXXX XXXX XXXX XXXX also confirmed that on that day, the card was input by the card number and not the actual card by a group of players named XXXX XXXX from XXXX. I live in XXXX which is far away from XXXX. 

The suspect name is XXXX XXXX. 

Please see the attached file for the email from the merchant for the fraud confirmation.
Consumer complaint received 2024-10-01
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (MD)

In XXXX of XXXX, I went into an agreement with a merchant to render marketing services for my agency. The client started on projects and never entirely delivered one time. I expressed my concern to the merchant, and there was no rectifiable solution. I disputed the claim with Capital One who claims that the merchant did work for me after submitting evidence of the merchant admitting that nothing was completed of the scope of the work. I was told that unless the merchant shows a voucher for the amount of the work that was completed, Capital One will deny my claim even though evidence shows that the merchant had not completed any of the requirements and admits fault in the email evidence I provided.
Consumer complaint received 2024-09-21
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Neiman Marcus /capital One sent a past due statement on XX/XX/year> to XXXX XXXX XXXX XXXX XXXX. 

This is not my address nor is it the address on file for my account. This is my XXXX  parents address. This has caused unnecessary stress and undue XXXX. My financial accounts are my own and should not be mailed to XXXX dress that is not my own. This a violation of my privacy. I logged on to the website to change to verify my address and it stated that I needed to call. I called and all the customer service agents cared about was receiving a payment. They did not care about the emotional distress that the company had caused.
Consumer complaint received 2023-08-11
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: ALLY FINANCIAL INC. (TX)

Ally Bank opened a fraudulent checking and savings account on XX/XX/XXXX. Ally Bank authorized these accounts without my consent. Ally Bank allowed an email address ( XXXX, XXXX ) to be used to open these accounts. Ally Bank did not message me nor provide any documentation letting me know of such. Ally Bank did not clear my fraud victim statements before opening these accounts either. Ally Bank sent a debit card to some other individual, after I didnt sign any application. I never received any documentation or cards for said accounts. Ally bank proceeded to allow charges and deposits to the accounts that do not match my employment past or present and do not match any merchants Ive ever visited. Ally Bank advised they closed these accounts for fraud on XX/XX/XXXX and then again Ally reopened the accounts and proceeded to charge over {$4700.00}. ally bank assumes I am responsible for fraudulent charges caused by an identity thief. Ally bank has not investigated this issue and instead stated they sent documentation to some person named XXXX XXXX not sure whom that is but it isnt me. Again, I have provided Ally Bank with an FTC identity theft affidavit. This affidavit is valid and Ally By law must investigate these accounts, or provide documentation proof I signed any documentation. I havent signed anything for this company and I do not owe the balance they fraudulently charged said accounts either. The account application was fraud and is fraud. Ally Bank needs to properly investigate.
Consumer complaint received 2023-08-11
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)

I hope this message finds you well. I am writing in regards to the recent investigation conducted on my credit report, which indicated that the information in question was found to be accurate. I understand the importance of maintaining accurate credit reporting, and I appreciate XXXX 's efforts in ensuring the integrity of credit information. 

However, after a thorough review of my credit report, I have identified an item that I believe to be inaccurate. The [ specific item, such as a late payment, incorrect account status, or account that doesn't belong to me ] listed on my report is not reflective of my financial history. 
Account name XXXX XXXX XXXX Account number XXXX XXXX  XXXX XXXX Account XXXX XXXX  Account XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX Account XXXX XXXX Account XXXX Account name XXXX Account number XXXX In light of this discovery, I kindly request that you review the information once more and consider reevaluating its accuracy. It is essential for my financial well-being that my credit report accurately reflects my creditworthiness. 

If possible, I would appreciate the opportunity to provide any supporting documentation or details that can help clarify this matter. Please let me know the appropriate steps to take in order to rectify this situation. 

Thank you for your attention to this matter. I look forward to working together to ensure the accuracy of my credit report.
Consumer complaint received 2023-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OR)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XX/XX/year> XXXX CARD XXXX XXXX CARD XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX BANK XXXX XXXX OREGON XXXX XXXX XXXX OREGON XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX BANK XXXX XXXX
Consumer complaint received 2023-09-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC. (GA)

On XX/XX/XXXX, I received a text on my cell phone claiming to be from Ally confirming a potential fraudulent charge on my account. I logged into the web banking, saw the pending charge, so responded " no '' the text. I immediately received a call from " Ally Bank '' and they asked my security questions and verified the charges that were on the account. After confirming the couple charges were fraudulent, the person on the other line said they would send out a new card. After a few days of not receiving the card, I got a call to verify a code on my phone. I got suspicious and hung up. I checked online and my mailing address had been changed and the new card had been sent to the incorrect address. I called into Ally, got everything straightened out, and got a new card sent again. It arrived on XX/XX/XXXX. I activated the card successfully and I tried to use it and it didn't work. Called back in and they said the account was locked again. At this point I was getting multiple calls from different numbers, not knowing who was legit. I finally just called in and requested the account to be closed. I was assured it would be done. It is now XX/XX/XXXX with no movement. I call in and no one will tell me anything. They will not give me a timeline of when the account will be closed and when I will be sent my money. They will not let me speak to any supervisors.
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (CA)

I had two 0 % APR balance transfers on my chase credit card ending in XXXX. I made a couple of purchases on that card accidentally and setup a chase pay on it. When I set up the chase pay, it gave me the option to select interest saving balance for automatic payment to pay the minimum due + the chase pay due. It was not clear that even 0 % APR balances would be included in that as they would not accrue interest and seemed like would not be included in the interest saving balance. 

In any case, as soon the automatic payment was sent to my bank on XX/XX/XXXX, I realized the issue and stopped the payment. At that time, I spoke to chase and was told that was the only way to correct the payment and that once the payment was returned I should manually submit another payment. The payment was returned and I assumed that everything was fine and made a manual payment. I was not charged any interest on my XXXX statement and hence assumed everything was resolved. 

However, on the XXXX statement I noticed I was charged interest and reached out to the customer service and thats when I realized that when the payment returned somehow my balance transfers were made into purchase. I escalated this issue so the balance could be properly bucketed back as balance transfer and not a purchase. 

I received a letter stating that the balance transfer promotions could bot be restored to my account as too much time has passed since the balance transfer was submitted. I am not sure they understood the issue correctly. The balance transfer were initiated in XX/XX/XXXX and XX/XX/XXXX. But they were incorrectly bucketed as purchase after the payment return in the XX/XX/XXXX statement. I believe that a balance could not be just made as purchase when I did not actually make a purchase. I have following issues 1. I did not make a payment to pay off my balance transfer. It was done by chase auto pay tool which was not clear that it would pay off the entire balance including 0 % balance transfers 2. Then, when the payment was returned it was incorrectly labeled as purchase instead of balance transfer.

I would have gladly accepted returned payment fees as that was my mistake, but charging the interest and also ending the balance transfer was not fair.

So, I would request you for the following resolution 1. Either bucket the balance into the original balance transfers and refund the interest 2. Or, I can pay off the entire balance, but it is only fair that the interest be refunded and balance transfer fee adjusted for the period left.

I appreciate your time in understanding the issue and hope we could reach a fair resolution. Thank you and let me know if you have any questions.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (WV)

Back in XXXXXXXX XXXX XXXX, I noticed this company pulled a hard inquiry on my credit. 
I do NOT know this company, not did I authorize this action. 
For the past 5 months I have been trying to have them either remove the hard inquiry OR to show me proof that I authorized this action. This company has failed to act on either request. 
I am aware of my rights under the Fair Credit Reporting Act, and they are violating these rights. This is my last attempt to resolve this before I take official action.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-08-11
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: CLGF Holdco 1, LLC (SC)

In accordance with the fair credit reporting act this creditor has violated my rights, under 15USC 1681section 602 states I have the right to privacy 15USC 1681 section 604 A section 2, A consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B, a creditor may not treat payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-11
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. (TX)

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 Account Number XXXX 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 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I OPENED A BANK OF AMERICA CREDIT CARD ACCOUNT WITH A SECURITY DEPOSIT. THE BANK CLOSED MY ACCOUNT MORE THAN ONE YEAR AND A HALF AGO AND HAS NOT RETURNED THE LEFTOVER SECURITY FUNDS. DURING THIS TIME I HAVE MADE OVER 30 PHONE CALLS TO VERIFY WHY THEY HAVENT SENT MY SECURTITY FUNDS BACK AND I HAVE ALWAYS BEEN TOLD THAT IT IS UNDER REVIEW.