davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

I am writing to report a Chase bank branch location released my personal information to an unauthorized third-party who came in demanding my personal information. I called the bank in which they of course denied releasing out my personal information. I have proof that during the time this individual returned to the bank, an individual called my phone number two times and a relative 's number one time on this person 's behalf. This individual even told me that they were able to get my information from this bank. I am writing to report my personal information being given to an unathorized individual and want to know of the best way to proceed.
Consumer complaint received 2024-07-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST CITIZENS BANCSHARES, INC. (TN)

My mother passed away XXXX ... Left me and my siblings an IRA account, that was being held by First Citizens Bank, to be divided. Was originally contacted by a rep from the bank last week of XXXX to begin the process of roll over. I told the rep that I was not interested in opening an account, and that I want to roll it over to XXXX XXXX, who is currently handling my money. I have never received a phone call from them since. I was sent a form to have filled out and I was to get a medallion signature for it. The form was a XXXX XXXX form that First Citizens needed to complete the transfer. The form stated to send it to a XXXX XXXX XXXX in XXXX XXXX, MO. It turns out that the form needed to be sent to First Citizen Bank in XXXX XXXX XXXX, which is where the IRA is being held. I got nothing but cryptic emails asking for a TRKING NO. when I asked XXXX trking no? I got " that tracking number from the number I asked for you last week ''. I have received no instructions on how to submit forms, bad addresses, no verbal Communications to ask timely questions. They finally received the newly made form via fax and XXXX, which XXXX XXXX filled out for me. I have received no indication, from them, that they received it, and my calls and emails, from me as well as XXXX XXXX, have gone unanswered for 8 days now. I have filed XXXX complaints with First Citizens Bank, with XXXX follow up from them as well. I have left at least half a dozen messages. Not one has been returned. No calls were returned for the medallion signer, who wanted to verify why I needed a medallion signature.
Consumer complaint received 2024-07-31
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TOYOTA MOTOR CREDIT CORPORATION (TN)

In response to XXXX, financial duties is to borrow pursuant to 12 United States Code 1431. Therefore employees at Toyota Financial Services refused to provide the XXXX XXXX information and can be heard on the phone stating that Im breaking up whenever they are questioned about the XXXX XXXX and to transfer me to the XXXX XXXX Department. Since they are being upholding unfair, fraudulent, misleading and deceptive practices by conflicting oppressive, I will file a subpoena regarding such matters and filing a claim with the XXXX. Theres no evidence which proves that these employees have not violated truth in lending section u and z. They know that any application submitted paid for the goods.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-08-16
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : 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 XXXXXXXX XXXX, has violated my rights .

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 2024-07-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NC)

This issue is with Marcus by Goldman Sachs bank savings account. This has been going on for the last 5 days, and is in regard to attempts to execute a wire transfer of $ XXXX to fund a closing of a XXXX  property valued at $ XXXX. With multiple attempts on the phone and with several transfers to higher up holds, we are told that the money is on hold and we will not be able to transfer it out until XXXX XXXX  of XXXX, 2024. This makes it total of 15 days of bank holding money. At this point in time, we are at the mercy of the bank to close the deal. Please see the chronological events bellow in detail and provide support. 

On Thursday XXXX, I started a transfer with an agent, the agent wanted a verification pin sent to a phone, but the agent could not accept any phone number listed in the account, nor other numbers, nor email, or drivers license ; my access was blocked ; and due to a delay in pin send to my phone, I lost my web access to the account. I was asked to call back 3 to 5 day later to try to verify the account some other way. 

On Friday XXXX, My wife used her access to the marcus account to move the funds to a third party account listed on the marcus transfer page. verification issues ensued, and later the transfer was reversed stating the funds can only be sent to the originating account. 

On Monday XXXX, I called to regain access to the account. The agent asked some verification questions such as address, previous address, account numbers, then unlocked the account. 

On Monday XXXX, An agent guided my wife to put forward a wire to originating account, but due to a misunderstanding the wire did not go through. Marcus agents tried to unblockk the wire but we were informed to check back next day to cancel and retry the transfer. 

On Tuesday XXXX, my wife was able to cancel the wire she started the previous day ; I then submitted the wire request from my side, it was accepted initially. 

On Tuesday XXXX, later in the day, I get a call to verify a pin they send again for the transfer ( accepted ), but says there is something another group wants to check with me. The new agent says she needs to verify the account again, but this time the phone # and gmail are not good enough to verify the account. There is no explanation for how this will get resolved. 

We are trying to move the funds back to the account which originally funded Marcus with $ XXXX back in XXXX. 

We are afraid that our funds are being held XXXX by the marcus by Goldman sachs while we have a deadline to close on a XXXX  property purchase. We appreciate your help.
Consumer complaint received 2016-11-02
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CA)

I 've recently encountered fraud on my Citi Costco Visa card, and Citi 's representatives have given me mixed and false information about my rights as a consumer. According to Citi 's agents and a manager of the credit card company 's Early Fraud Detection department, I must pay for the amounts that were fraudulently charged to my account while the company investigates the matter. This contradicts every other bank 's practice and even Citi 's own zero liability claims for this card. It 's a deceptive practice and clearly takes advantage of the card member. Citi 's manager over the phone even threatened that if I do n't make the payments related to the fraud charges, the company will take me to collections, even while they 're investigating said charges.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (GA)

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNIT XXXX XXXX, GA XXXX SYNCHRONY FINANCIAL Fraud Department XXXX XXXX XXXX XXXX XXXX, Connecticut XXXX RE : ACCOUNT NUMBER ( s ) XXXX Dear Fraud Team : I am writing to bring to your immediate attention a fraudulent account held under my name with your organization. I am victim of identity theft, I do not have a record of this account and any charges associate. 
I urgently request that you remove the fraudulent charges ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it. 

Enclosed is a copy of my Identity Theft Report supporting my position and a copy of my credit report responstbies inter the fair sedit Reporting ed as an inte mation surise to CRASS The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may result from identity theft. Those responsibilities include ceasing to provide inaccurate information to CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

I understand that this situation may cause some inconvenience, and I appreciate your understanding and prompt attention to this matter. Please investigate this matter and send me a written explanation of your findings and actions. 

Sincerely XXXX XXXX Enclosures : Identity Theft Report Proof of identity : Copy of Driver 's License & Utility Bill Copy of Credit Report CFPB 's Notice to Furnishers of Information [ PDF ]
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have XXXX credit cards with XXXX. My usage percentages were around XXXX % at the time. The company dropped my limits causing my usage to raise to XXXX % this is fraud as it is now sending false information to the credit agencies saying my usage is in the XXXX % when it was not until they dropped my score without informing me that they were rerunning my credit. I want to file a class action lawsuit against this company.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-03
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: ENCORE CAPITAL GROUP INC. (CA)

I disputed an account on XX/XX/2023 with a debt collection agency ( Midland credit management ) and told the credit bureaus to " investigate '' this account and ask the debt collecting agency to provide verified evidence of proof that they have a contract with me to collect money from me they failed to properly investigate my case and did not provide me with an actual signed and verified contract that I owe midland credit management inc money. 

According to the FRCA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics ', or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not properly investigate according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate information and according to the FRCA 15 USC1681 everything must be 100 % accurate.
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (CA)

Last XX/XX/XXXX, i received an email stating the my sofi account is restricted due to security reason, another email was sent and for the same reason. Then I received a new email stating that my account is now ok and ready to use. Then I tried to access my account last XX/XX/XXXX to see if my direct deposit is now available and saw that my account is still restricted. Called Sofi bank and they said that my account will be closed due to the user agreement. Ask for a specific reason which they XXXX  provide. Called again today, the XXXXXXXX XXXX XXXXXXXX and they are giving me round around. I just need my money since its time to pay for the rent. I asked them whats the email regarding the removal of restrictions and they told me that investigation put my account for a different reason which they dont know.
Consumer complaint received 2024-09-03
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION (AL)

XX/XX/XXXX this account entered a covid relief program they offered and we continued to pay as agreed ..but eventually late payments were reported eventhough account was being paid as agreed.. 

XXXX XXXX XXXX  sent a debt verification letter to them and never received a response. Account was never showed to reflect that I have disputed the information provided
Consumer complaint received 2024-07-06
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. (CA)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am seeking your assistance regarding this incorrect account listed on my credit report. I am raising this issue because it has harmed my reputation, and I urgently need your help. Your mishandling of my credit report has left me in a difficult position, as the incorrect information has severely damaged my reputation. These inaccuracies must be removed so I can live peacefully with my family.
Consumer complaint received 2024-08-16
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. (NY)

Please be apprised that you are in direct violation of the Fa

ir Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companys that I think ilegally reporting in my credit profile that affects my life being tortured financially.

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY.

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :