davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

PURCHASE AUTHORIZED ON XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXXXXXX XXXX XXXXXXXX I have contacted the WellsFargo regarding my unauthorized use. I do not own any XXXX and never went to the dealership. I was also in XXXX for a family trip ( XXXX XXXX ). 

I have lost my phone and someone used my Wells Fargo debit card by using XXXX XXXX. 

I need my refund.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (OH)

XXXX XXXX XXXX XXXX XXXX XXXX rouser XXXX XXXX Lexis nexus stated this account belong to me. How is this accurate. I never applied or authorized this account. The name listed is completely different from my legal name. I have not Authorize this account you did not verify that I authorize this account or verify this account because if so, it would show that I did not authorize this account. This account is not in my legal name. This is a fraudulent account. 


THE NAME LISTED IS WRONG!!!!!!!!!! I AM NOT XXXX XXXX
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Synovus Bank (MO)

I never received a few statements from when they had the wrong address when I know I had updated it. I called once I realized it had affected my credit and they closed the account. I have been charged {$41.00} dollar late payment each month until the account cancelled and closed its self out. I had establised this account back in XXXX and never had an issue until recently. I talked to a call center rep on the phone in the XXXX  on XX/XX/XXXX and they advised they could waive and remove one fee of {$41.00} but any additonal amounts I needed to take time and write a letter and that should remove any of the remaining fees. I followed up XX/XX/XXXX because I never received the results and wanted to get this account fixed before the XX/XX/XXXX date passed for due a date. I called XX/XX/XXXX and they said they received my letter asking for reimbursement of XXXX for XXXX, XXXX, and XXXX but they were not going to remove any of the fees. These fees are astronomical and more than what the balance. However that was just a trick to get me off the phone and I am wanting the government to step in and investigate this company and the lies they tell consumers. I will also be filing with the XXXX  as well.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (PA)

I have a credit card with XXXX XXXX XXXX, there where credit inquires from XXXX XXXX an Elan Financial I never had any business affairs with either company this had a bad effective to my credit score can I have these inquiries removed an my credit score fixed. 


Thank you XXXX XXXX
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc. (OK)

Under law Delete these accounts from my credit report XXXX, XXXX and XXXX, as well as these Consumer report Agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Right to Recisson - Return Property Aka my car returns to me by law ) loss of wages and damages $ XXXX check made payable to me. 
XXXX XXXX XXXXXXXX Collection Charge off XXXX loan servicing ( Student Loan sold debt by Dept of Ed which breach Right to privacy ) XXXX XXXX XXXX - Breach of right to privacy sold debt and loss of wages results in damages $ XXXX check made payable to me Laws and Rules that were broken : 15 U.S. Code 1692c ( C ) 15 U.S. Code 1692c - Communication in connection with debt collection ( Reporting to your consumer report is a form of communication ) -Cease Communication/ Cease collection/ Cease Reporting on my Credit Report 15 U.S. Code 1681b - Permissible purposes of consumer reports ( Didn't give any company the right to publish that info on your credit report ) 15 U.S. Code 1681s2 - Responsibilities of furnish of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


15 usc 1681b ( a ) ( 2 ) Needs Written Permission to Furnish ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 



Right to Recisson ( 2 ) When the right of rescission is exercised under subsection ( 1 ) of this section, the debtor or person exercising the right of rescission is not liable for any credit service charge, loan finance charge or other charge, and any security interest given, including any such interest arising by operation of law, becomes void upon the rescission. 


Social Security Number is a form of Credit card ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. ~Social Security Number~ is a credit card
Consumer complaint received 2024-08-09
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: TD BANK US HOLDING COMPANY (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-08-09
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Avant Holding Company, Inc. (NY)

I extended a line of credit as the natural person for {$1000.00} With the company AVANT CREDIT all payments have been accepted for value and charged off the company disregarded all proceedings along with a signed affidavit then took action which led to the closing of my account this is a BIG UCC VIOLATION OF MY CONSUMER RIGHTS!! Also this company withheld vital information on how to use the account which is fraud theve been charging me cash payments causing me to pay double i have made numerous attempts to contact the company and still no response therefore I will be force to take legal action if this company does not act IMMEDIATELY!!!
Consumer complaint received 2024-08-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (PA)

Commencing on or around XX/XX/year>, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX XXXX from my Gemini account to fraudulent investment firm ( XXXX ).
Consumer complaint received 2024-08-11
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: AMERICAN EXPRESS COMPANY (MD)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-08-09
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: EQUIFAX, INC. (NC)

The details of the fraudulent Inquiries are as follows : 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 XXXXXX/XX/year>
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A. (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-08-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Marlette Funding, LLC (OR)

I have been trying to change my password information for several months but in order to change my password this company requires that I be sent a code to my phone. They have an old phone number on file so I can not receive the code. I have called to have mycurrent number added and they have said that the number has been updated but no change has been made so I can not log into my account to pay off the loan. I want them to update my phone number info but they are not complying with my requests.
Consumer complaint received 2024-08-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FIRST NATIONAL BANK OF OMAHA (NY)

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : FNB Omaha # XXXX
Consumer complaint received 2024-08-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP (CA)

This account is invalid.US BANK needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 

US BANK XXXX
Consumer complaint received 2023-11-15
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. (FL)

Regardless of the multiple written requests, the account listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the account below in my file : XXXX XXXX XXXX
Consumer complaint received 2024-08-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (CA)

This account is invalid. XXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 

XXXX XXXX
Consumer complaint received 2024-08-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AK)

It was XXXX p.m XX/XX/XXXX Alaska time, when I decided to pay for my friend 's dinner. So I then opened up my Wells Fargo app to see my account balance. It came to find out that thousands of dollars were siphoned off of my credit card and checking account. I notified Wells Fargo that very night. 
They closed my credit card and checking right away. They then opened up an investigation and sent me an affidavit of Online Fraud form to fill out. 
On XX/XX/XXXX, I went to a local Wells Fargo bank and opened up a new account for credit card and a new checking account. 
On XX/XX/XXXX, they sent me a letter and told me that I authorized those transactions and there is nothing they can do for me. 
Only XX/XX/XXXX, I then painstakingly filled out the affidavit form and listed every item that I did not authorized in my credit and checking account and faxed the form to them Only XX/XX/XXXX, I also sent the same form thru snail mail on U.S Postal certified. 
This is what is listed on that affidavit : XX/XX/year> {$270.00} were with drawn online. 
XX/XX/year> {$5500.00} cash advance XX/XX/year> {$59.00} interest cash. 
XX/XX/year> {$4800.00} online advance XXXX XXXX {$240.00} cash advance fee. 
XXXX XXXX {$5500.00} were deposited into my checking without my authorization. 
XX/XX/year> {$4700.00} XXXX  XXXX online XX/XX/year> {$4700.00} XXXX  XXXX online XX/XX/year> {$4800.00} were deposited online from Wells Fargo without my approval XX/XX/year> {$4800.00} Bill pay from XXXX  XXXX. 
My new credit card has another unauthorized activities XX/XX/XXXX, {$6500.00} were deposted XX/XX/XXXX, {$6500.00} were taken out. 
XX/XX/XXXX, {$53.00} interest charge XX/XX/XXXX, {$270.00} interest charge on cash advance All of these amount to total of {$15000.00} that were stolen from me. They were taken place without my authorization.
Consumer complaint received 2024-08-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

On XX/XX/XXXX I received denial emails from cash app stating my disputes with XXXX were denied saying I had been refunded the money already. I asked for the proof considering XXXX banned my account and I cant see anything. Theyre email states contact support they would give me the information I requested. No ones given me anything every time I request it I get a generic answer and a complaint number then a sorry we closed the complaint and sent to there XXXX. On XX/XX/XXXX I contacted cash app via there online service showed them there tos and the police report asking after 10 months for my refund. On XX/XX/XXXX they changed there tos to make it to where my disputes were considered again denied. XX/XX/XXXX I sent an email attached all transactions and the police report for the XXXX XX/XX/XXXX fraudulent transactions that they considered authorized but based on your being the CFPB guidelines I did not benefit from the transactions in which case I requested a refund and was never answered I called them today was hung up on while on hold waiting for a manager. Went to cash apps online support Im currently talking to a 4th advocate the prior 3 have opened and closed my inquiry within minutes the 4th advocate states they cant see the dispute from the XXXX even though the customer support advocate via phone said it was there. 11 months Ive dealt with this and at every turn they change the rules and they deny me my CFPB protected right to a refund. Please see attached documents for phone logs and text logs from online support also please see that they refused to let me speak to anyone would not give me access to anything and be advised theyve banned me and my son one can only assume because of this.
Consumer complaint received 2024-08-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

XX/XX/year>, USAA prepared a " Note, Disclosure, and Security Agreement, NONNEGOTIABLE PROMISSORY NOTE '' electronic consumer credit transaction in which a Third Party Agreement was electronically signed by a third party without my knowledge.
Consumer complaint received 2024-08-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC (CA)

To whom it may concern Im a XXXX person who a victim of identity theft.Ive been trying to get this account off of my credit profile through XXXX disputes because this account was opened without my knowledge and I called the fraud department about the issue and they keep telling me they have no record of the account but it is still on my credit profile and my disputes keep coming back verified Ive never received any mail or notices from this creditor so it should have never been opened or reported to my credit. The date it says was open XXXX XXXX status closed. It had a credit limit of XXXX dollars. The contact info is po box XXXX XXXX, OR XXXX Phone number XXXX XXXX XXXX
Consumer complaint received 2024-08-11
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: WELLS FARGO & COMPANY (GA)

On XX/XX/2024 I sent a letter to WFBNA requesting they validate and verify my debt with paperwork, contract or any document that bares my legitimate signature but received none of that with the reinvestigating they claim to have done! Not only had this hurt my credit it is hindering me from moving past an obstacle holding my back from bigger and better things! They were not able to verify, validate or prove to me this debt is mine so hence why it should be deleted
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (GA)

My credit is being used and is providing inaccurate information in regards to my past debts which is really causing a major XXXX  on my finances and livelihood. I can not get approved for anything and when I do get approved I have to pay an outstanding amount.
Consumer complaint received 2024-08-10
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. ()

I purchased XXXX from Home Depot, which cost around {$14000.00}. My credit card is eligible for 24 months of payments without interest. 
I found out that they had a huge interest in my purchase. I called them, and they said that the associate made a mistake and put only six months without interest, and they started charging me 29.9 %. I was not even notified. 
I was going to pay off the rest of the amount, which should {$3500.00}, and I found that they want me to pay {$7000.00}. 
Though it was the associate 's fault, they refused to do anything about it, and they wanted me to pay {$3500.00} in interest.
Consumer complaint received 2024-08-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (NY)

COMENITY BANK ARE RUNING A SCAM SISTEM TO CHEATING TO THE COSTOMER. THE INTEREST RATE ARE HIGH. THE LATE FEE ARE HIGH.THEY ARE A SCAM. I FEFT HELPLESS BECAUSE THEY DAMAGED MY CREDIT.
Consumer complaint received 2024-08-10
Product: 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 (CA)

I've received a prepaid gift card of {$50.00} and tried to use at a store but was declined many times. When I called them, the operator told me that this card was part of a fraudulent activity and asked that I need to submit my personal information including photo of driver license and SS #. I am not comfortable providing this for a prepaid gift card.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Control, LLC (MS)

I received notification from creditor that a debt that the referenced account was sold. However, I requested validation of the debt on XX/XX/year>. However, all I received was an itemized statement. The statement did not have much of any information on it. Therefore, nothing that I requested was presented to me. I sent another letter around XX/XX/year> letting the creditor know that the information that they sent did not meet my validation request. I recently received another itemized summary on XX/XX/year> from another creditor who has bought the debt. I sent another letter on XX/XX/year> requesting validation of the debt.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX