davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (MI)

After, receiving an invitation from DISCOVER to apply for secured credit card account. On XX/XX/XXXX I initiated a consumer credit transaction with my SSN also referenced by congress as a credit card, pursuant 15 USC 1602. The purpose of this consumer credit transaction was to obtain a personal secured credit account on DISCOVER. I filled out the form online, and provided every document required. I was immediately approved for a new secured credit card. Throughout the year I enjoyed using my discover credit card, but due to being a victim of identity theft and a part of XXXX, XXXX XXXX, and XXXX XXXX breach. My discover credit card, and also information was stolen and used for multiple fraudulent charges. DISCOVER was aware of the fraudulent charges and decided to issue me Provisionals credit for each transaction that was unauthorized. Moving forward I decided I could not bear the pain of DISCOVER mishandling my personal information, and by letting unauthorized charges continue to occur on my account. I was also told a fraudulent charge was authorized by me, due to a wet signature, as if any random person cant sign my XXXX XXXX. I was uncomfortable with continue business with discover. I beg and plead with DISCOVER to close the account, due to the fact my personal information was constantly getting hacked and used. A representative from DISCOVER pressured me into not closing the account she threatens me with saying I will not get approved for any future accounts by DISCOVER. As I took the representative advice once again my account was hacked, and DISCOVER failed to protect me as a consumer. Discover finally agreed to close the secured credit card with a {$0.00} dollar balance. Discover also agreed to issue out the original deposit of {$400.00} dollars used when account was opened. On XX/XX/XXXX I received an email stating I the consumer was a liar, and responsible for all charges, and ALL charges will be reversed. Discover is running my credit reputation by reporting a balance of {$580.00} dollars in which, is not owed. Discover did not follow their agreement in protecting me as a consumer, while willing knowing Im not responsible for any fraudulent charges. NO consumer is responsible for fraudulent charges that is unauthorized by the consumer.
Consumer complaint received 2023-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. 
TXXXX XXXX XXXX XXXX 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 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (DE)

XXXX took money from my account {$34.00}. I returned the item via XXXX and was told I would receive a refund by the XXXX. I still have yet to receive the refund. Not only that, XXXX took {$230.00} and said they would put it back and refund but have not. When requesting for a dispute with cashapp they denied it even with proof of the return. I am so frustrated and want my money back.
Consumer complaint received 2023-01-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IN)

We believe that we are entitled to money from the settlement from Wells Fargo. We were working with them at the time trying to complete a short sale to avoid foreclosure. We had submitted our paperwork multiple time and they kept losing the paper work. We were working with a real estate agent that was trying to help us and can verify that we provided all the documentation needed. The XXXX sale was in XX/XX/XXXX of XXXX after fighting with them for roughly XXXX years. We had a gotten a relator to help in XXXX of XXXX to help with paper work. Before that we tried working with them directly in XXXX and XXXX of that year. We tried to work something out but they neglected to include our child care expenses in their calculations and denied the modification then. XX/XX/XXXX around XXXX central I attempted to call to work with them to get our claim filed and to no surprise they are not able to find our account in the system for some reason. I gave them my loan information that we had on our paperwork. They then tried to keep passing me back and forth from one department to the next. I feel like they are trying to avoid helping us. Because of that foreclosure it took us a long time and work to get our credit back up. We had tried working with them multiple times and if felt like they weren't even trying or they kept having computer glitches. Our relator even wrote to our representative and received a response as they were appalled by their actions. They wasted our time for over XXXX years and falsely stated that we never turned in documentation and now they cant even find my old loan information in their system. Below is the article that our relator sent to me so i can seek our part of the settlement. https : XXXX
Consumer complaint received 2023-01-20
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. (GA)

Please remove all XXXX inquires. Please view listed inquires delete from my credit report. I sent over a police report and there were no actions taken. 


XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (KS)

Around XXXX or XXXX, I had a car loan with Wells Fargo. I did pay the loan, but I think they charged me more than I owed. I let it slide at the time, because they were not pleasant to deal with and I just wanted to be rid of them.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

My account was frozen for a check I never cashed or deposited and Wells Fargo reported me to the banking system for something I never received and I have been unable to get a XXXX XXXX XXXX XXXX  account for last 8 years
Consumer complaint received 2023-01-19
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. (PA)

This account belong to XXXX XXXX we have similar. My name is XXXX XXXX and this individual refuse to ask the credit bureau to insert these accounts on her credit file so my lawyer told me to file a complaint before I file a lawsuit.
Consumer complaint received 2023-01-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

UNITED STATES CONGRESS states TRANSUNION is an elaborate mechanism who ASSUMED its role to furnish a report on my behalf under 15 USC 1681. ( The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and " unfair '' credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. TRANSUNION is supposed to have my written consent to to obtain my private information to make a report. THEY DO NOT HAVE MY WRITTEN CONSENT under 15 USC 1681b. The UNITED STATES CONGRESS states under 15 USC 1681a ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The UNITED STATES CONGRESS has DEMANDED EXCLUSION OF ACCOUNTS relating to transactions or experiences between the consumer and the person making the report. Why are you TRANSUNION violating the UNITED STATES CONGRESS as well as the FCRA and destroying my confidence in the banking system?? I did NOT request verification on any account I DEMANDED you exercise your grave duties with RESPECT to the consumer and CONGRESS LAW, instead you conducted a FRAUD re-investigation took over 45 days and have NOT provided names, address and phone numbers of those you are required to personally interview as REQUIRED BY CONGRESS under " investigative report ''. TRANSUNION is in DISHONOR and is not PERFORMING their GRAVE DUTIES accordingly.to the UNITED STATES CONGRESS and is liable for under 15 USC 1681n and 15 USC 1681o
Consumer complaint received 2023-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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 2023-01-19
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (FL)

XXXX XXXX XXXX closed it's company XX/XX/XXXX. I bought furniture through them in XXXX and it has been paid off. I can no longer go into any online account since the business is no longer opened and filed for bankruptcy. I purchased my furniture in XXXX XXXX XXXX store in XXXX XXXX, IL for reference. LVNV Funding LLC is trying to collect {$410.00}.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo kept charging me {$35.00} overdraft fees daily on charges I never asked them to cover and they didn't cover. They charged so much it became overwhelming and my account was closed.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

this account belong to XXXX they claim a medical bill that went i contact the original creditor said the i dont have any balance them i contact XXXX  for them to what the been reported to the credit witch is a bill for {$960.00} and they cant provide me that beside that all my medical bill and medical expenses are been cover by my XXXX and my XXXX  insure since i been declared XXXX since 2016 please help me resolve this wrong issue with this people who are been reporting and affecting my credit with something that is not true thank you
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (PR)

I have been a XXXX XXXX XXXXXXXX for the past few years and an issue has happened to me with Syncronic Bank and my Pep Boys card. This account is closed without any notification to me, it turns out that I made a payment on XX/XX/2022 for {$35.00} from an account that I mistakenly chose in the application, this payment account is not the one I usually use for payment. I realized the next day and made the payment again on XX/XX/2022 for the same amount but from the account that I used to make these payments. I obviously knew this would have an NSF charge on my next bill. I don't understand. The payment date is every XXXX of each month and I have never been late, I paid before time and I resolved the situation long before the due date of the corresponding payment and they closed my account. I understand that this is a situation of malpractice in consumer law, in this case my person. And my credit is excellent. If this is the case then they should cancel the other cards that I have with which there are XXXX with Synchronic. I would appreciate it if you explained to me why the credit of this account was closed, since I find that it is an injustice. Details and Reference available at your disposal. Thanks to may interest.
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I didnt have enough money on my card to rent a car. I added {$500.00} to my card at the airport to rent a vehicle. After two hours the the money wasnt on my card balance so I canceled the transaction. Capital One on Monday added the {$500.00} to my balance and now I paying back the money to Capital One but I never got benefit of my money. When I canceled the transaction my money went back into my XXXX  account Capital One is charging me {$500.00} as if I used {$500.00} of credit on my card. I never got benefit of my money. They didnt give me {$500.00} nor did I use my card to get money from them. They charged me money for canceling a transaction and added {$500.00} to my balance sent my account over my limit, and are making me pay for my own money.
Consumer complaint received 2021-06-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (FL)

Ok so I opened this acct when bit coin was about XXXX a coin. Some one hacked the account. So when I logged in I saw that my acct went up tp XXXX dallars in bit coin and it was stolen a while ago. I can not access the account anymore cause they wont let me!!! I did not authorize or make this withdrawl and my acct was supposed to be locked! So it also told me that if I had not withdrawn the money, today, or at that time it would have been worth XXXX!!! So now they will not respond and im locked out of my acct. My user name is XXXX. Please help me with this issue.
Consumer complaint received 2021-06-03
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)

Since XX/XX/2021, I noticed EXPERIAN has posted many inaccurate information I did not consent to. They have committed fraud and several violations of the FCRA.. EXPERIAN has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me. Fact, the Fair Credit Reporting Act, 15 USC 1681, is intended to secure my right to privacy and protect my public reputation that is directly correlated to and linked with my Consumer credit report. Fact, EXPERIAN has damaged my reputation by furnishing fraudulent, negative information onto my credit profile, violating 15 USC 1681 and 15 USC 1692. Fact, by furnishing this fraudulent information EXPERIAN in violation of 15 USC 1692 and 15 USC 1681. Fact, I never gave EXPERIAN permission to furnish this information. Fact, I never gave consent for XXXX XXXX  to obtain and store my private information and they have unlawfully obtained my information in violation of 15 USC 1692. Once again, EXPERIAN has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Consumer complaint received 2021-06-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (SC)

this is my 2nd time reporting this company within the last month. please reference CFPB XXXX XXXX. : XXXX i have sent multiple certified letters to validate this debt. they have yet to prove the 5 points required under 15 USC 1692G. in the previous complaint that i have submitted. They stated they gave documentation and they didnt. They gave the CFPB documents that i never received. I have upload all the evidence that shows they violated my rights as a consumer and natural person. they haven't rebutted my affidavit of Facts or answered my debt Validation. all they sent was a " retail contract '' that they cant prove was me. they claimed they " lend '' me money but no where in 15 USC and from congress that they define the word lender. I have also requested pursant to GAAP that they prove money left their " account '' if they claim to gave me and havent receive any response
Consumer complaint received 2021-06-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

2. Identity Theft BK OF AMER Account Number : XXXX** This is not mine.
Consumer complaint received 2021-06-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AMERICAN EXPRESS COMPANY (GA)

American Express notified me on XX/XX/2021, that it had assigned my account to law firm XXXX XXXX XXXX for collection. I sent a letter to that law firm disputing the debt on or about XX/XX/2021, and demanded validation. I did not receive a response within five days as required by FDCPA ( but was not aware of that five-day time period until I started researching to file this complaint ). On XX/XX/2021, having not yet responded to my validation demand, the law firm filed a lawsuit against me ( electronically ) in my county of residence. On XX/XX/2021, the law firm penned a letter " in response to a debt validation request '' I had made 60 days earlier ; the postmark on the envelope is dated XX/XX/2021 -- nearly four weeks after it filed the lawsuit. I was not served with the lawsuit until XX/XX/2021. However, the mere filing of that lawsuit during a period in which I had requested validation and it failed to provide such, is improper and in violation of FDCPA. Withholding service of the lawsuit until after I had received the validation response does not cure the fact that it filed such litigation BEFORE providing validation. Filing litigation most certainly constitutes taking action to collect the debt during a forbidden period. That lawsuit should be dismissed! 

In addition, the validation did not include a copy of any contract. As such, the account has not been sufficiently validated and should be removed from my credit report immediately, including all past negative reporting.