davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Credit Karma (TX)

I continuously get emails falsely reporting that your credit score has gone up XXXX points! Click here to see the changes it is a blatant lie intended to get me to click on the link and be redirected to their site so they can try and sell me a variety of services and loan and credit card offers etc etc. most of the time my credit has remained the same and in many cases actually gone down. Its a waste of my time and a deceitful lie intended to get a click and more traffic on their site. I would provide a specific date but it is a continuous thing as I get these emails regularly so it seems a common marketing practice that I dont appreciate.
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

According to the account on XXXX XXXX XXXX XXXX was deleted XX/XX/XXXX, but remains on XXXX and Equifax. Also XXXX XXXX was closed off the XXXX on XX/XX/XXXX, but still remains on Equifax and XXXX. After it was removed on the XXXX they added it back to all XXXX accounts even after investigation.
Consumer complaint received 2023-11-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (KS)

i have requested validation of an alleged debt in XXXX and in XXXX of 2023. i also disputed the accounts through the consumer reporting agency, experian. Experian responded by stating that the account in question meet the FCRA requirements and that the accounts have been verified.
Consumer complaint received 2023-09-15
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. (NJ)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of bankruptcies in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX CT XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance XXXX : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX XXXX Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CO)

I have tried getting ahold of all three credit companies, and I've gotten nothing back. The fraud alert should have been taken off a long time ago. It's to the point where literally no one can verify my identity online at all. And there is things on my credit report that I have disputed multiple times and nothing has been taken care of.
Consumer complaint received 2023-11-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

Im a business owner using Wells Fargo merchant services. Ive had successful batches in the past but Wells Fargo is holding my funds and hasnt responded to me or gave me a reason for such. Ive contacted the merchant departments and security department many times and the representatives have gave me no explanation why and no steps in order to resolve the issue. The funds amount is upwards of XXXX. This is causing disruption in my business operations with no explanation as to why. Im losing business services and customers until this is resolved.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX : {$4400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I noticed a fund transfer from my XXXX XXXX account for {$7800.00} to Capital One bank. I did not initiate this transfer nor do I have a Captial One bank  account. I contacted XXXX XXXX and they reversed the transaction and they locked the account so that no further transactions could be done in the account. While XXXX XXXX  was looking at my activity they noticed another pending transaction for another {$1000.00} to the same Capital One Account. A few days later ( XX/XX/2023 ) I got a letter from Capital One saying the address on my account was changed from my home address in NY to an address in NJ. I therefore called Capital One to report this because I never opened an account at Capital One. I spoke with a supervisior in the fraud department at Capital One who took my XXXX and said that they froze all of the accounts. I asked how many accounts they froze as I only got one letter so assumed it was only one fraudulent account that was setup. They refused to give me any information about these fraudlent accounts. So now i am in a position where i have no idea how my XXXX was obtained or how many accounts may have been fraudulently opened in my name.
Consumer complaint received 2023-09-15
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. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX : {$4400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

I listed an electronic item on XXXX XXXX for {$250.00} on XX/XX/2023 and the day after ( XX/XX/2023 ) someone reached out with an inquiry to purchase. He first asked bout condition of the device and then said he was interested in purchasing. He said he was busy so he would ask his sister to pickup the item on his behalf and that he would pay me immediately. We agreed to use XXXX. 
He claimed to pay me {$250.00} using my email linked to XXXX, but when I checked my account it wasn't there. I shortly got an email from XXXX telling me that the person has paid but I haven't received the money since my account isn't a " business account '' and therefore my credit is too low to receive the funds. To upgrade my account, the buyer would have to send me an additional {$500.00} to upgrade my account in which I would have to refund it back. 
He agrees to do so and claims to send me another {$500.00} with a screenshot of " proof ''. I then get another email telling me the buyer has payed the extra {$500.00} and that I need to send {$500.00} from my end to an " agent '' of XXXX so that they can release the funds to both parties. I unknowingly sent the money in which I soon realized something was wrong. The scammer then proceeded to pretend that he sent another {$500.00} by mistake and that I needed to send the agent another {$500.00} to release the funds he had sent in the first place but I had cut off communication with him at that point. Finally, he sends me another email which claims if I don't send him the money I will be arrested which I ignored. 
I contacted Citibank which is linked to my XXXX immediately about the scam but they said they could not credit me since I had initiated the payment
Consumer complaint received 2023-11-11
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: Experian Information Solutions Inc. (AL)

Todays date is XX/XX/2023 My current and legal first name is and only is XXXX My current and legal last name is and only is XXXX My current and complete residential and mailing street number is XXXX My current complete residential mailing street name is XXXX XXXX XXXX XXXX 
My current complete residential mailing city is and only is XXXX My current complete residential mailing state is Alabama. 

Please remove or Cease retaining of any and all others that you might have reporting or on record or else present document statement certifying my rights to retain or report over consumer removal of authorization. 
To whom it might concern, I am requesting to remove the INQUIRYS AND CLOSE ACCOUNTS from my personal credit report. 
In genuine sincerity I close, my first and last name is and only is XXXX XXXX. My street number and street name is and only is XXXX XXXX XXXX XXXX my city and state is and only is XXXX, Alabama
Consumer complaint received 2023-09-15
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: Experian Information Solutions Inc. (FL)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (KS)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint Against PayPal for Unfair Practices and Withholding of Funds Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against PayPal, the online payment platform, for engaging in what I believe to be unfair practices resulting in the deliberate withholding of my funds. This situation has caused considerable distress and appears to be a systematic effort by PayPal to retain funds and impose unwarranted charges. 

Here are the details of my complaint : Account Freeze and Fraud Claim : After adding a new card to my PayPal account to reflect updated information, consistent with my account details, PayPal froze my account, alleging fraudulent activity. I provided extensive documentation, including my passport, driver 's license, a copy of the added card, and a current bill, all of which were refused by PayPal. 

Unjustified Delay : Despite my compliance with their request for additional information, PayPal insisted on a 72-hour waiting period, which concluded yesterday. However, I have yet to regain access to my funds, and they are now proposing charges for the release of my own money. 

Financial Imposition : PayPal is demanding fees for releasing my funds, compounding the situation with an additional charge for the transfer. This imposition is not only unjustified but adds insult to injury, as I am being penalized for attempting to access my own funds. 

Deceptive Practices : I would like to highlight that I do not typically use PayPal due to their reputation for deceptive practices. Unfortunately, in this instance, I had no alternative payment option due to a transcription service that exclusively accepts PayPal payments. 

I request that the Consumer Financial Protection Bureau investigates this matter thoroughly to determine if PayPal is engaging in deceptive practices and withholding funds from consumers in an unjust manner. 

Enclosed are the relevant documents, including my correspondence with PayPal and proof of identity, to facilitate your investigation. I am willing to provide any additional information necessary for a comprehensive assessment. 

I trust that the Consumer Financial Protection Bureau will take prompt and effective action to rectify this situation and ensure PayPal 's adherence to fair and transparent financial practices. 

Thank you for your attention to this matter, and I look forward to a favorable resolution.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX Balance : {$7800.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$68.00} XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2018-07-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/18 I opened an account online with Chase and deposited {$25.00} in the account. They allowed me to sign up for online banking, overdraft protection, order a debit card, and so on. I go to log into the app today and tells me the account is restricted. I then call the bank and ask what is going on and they say they have nothing they can tell me aside from the fact the account is being closed. I then asked what of the {$25.00} I put into the new account and they then tell me that not only will I have to wait 7-10 days after the account was opened and then closed that I would have to wait an additional 7-10 days to get a check from them. I asked them they received the money electronically why can't they send it back the same way and they had no answer to that. The bank is in essence hiding something and believes that they do not have to disclose that to customers in the least. I want to know the exact reason the account couldn't be opened and I want my money back immediately. I asked the representative if it was {$2500.00} would I have to wait as well and she said yes. There is no way the bank should be able make money off of me or anyone by sitting on funds whilst refusing to return them in a quick way including the same way they received the funds which is electronically.
Consumer complaint received 2023-06-03
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

Profiteering by Bank of America On XX/XX/XXXX, my XXXX  was a college student at XXXX University in XXXX Virginia. I chose Bank of America to do an away from home auxiliary account in order that he could accomplish his banking needs. ( Like many college students, my XXXX  was not finance savvy. ) My XXXX and XXXX were joint on connected checking and savings accounts : XXXX XXXX XXXX XXXX and XXXX XXXX. 
Checking account : XXXX. 
Savings account : XXXX In order to meet the criteria for no fees to be assessed, I was a XXXX XXXX and had a XXXX XXXX  come into the checking account, proceeded by a transfer. I have the initial XX/XX/XXXX statement stating an account to account transfer would take place every month. The document stated, XXXX assisted transfer from XXXX XXXX. 

After my XXXX matriculated from XXXX University and left XXXX, the auxiliary checking account was no longer a necessity. He had an established primary account with a XXXX XXXX union affording many great benefits. My son, however, left the Bank of America accounts open, using the debit card, on occasion. I never dreamed XXXX XXXX XXXX  of BOA profiteering could result. 

# XXXX On yesterday, XX/XX/XXXX, I learned that for years the checking account was being charged $ XXXX  monthly. My XXXX, not banking XXXX  was unaware of the huge profiteering by Bank of America. 

The account was paperless. I no longer paid close attention believing that things were fine. I retired in XXXX and my federal allotment stopped. This must be when the {$12.00} monthly started. It is unfortunate that this is when banks profit huge from XXXX 
A. I would like a full accounting of DATE when the {$12.00} monthly fee started. 
B. Provide TOTAL AMOUNT OF FEES paid up to checking closure : Friday, XX/XX/XXXX. ( $ $ $ PAID ) # XXXX In the process of closing the checking account, I was flabbergasted to learn that in addition to the {$12.00} monthly, a {$5.00} monthly savings account maintenance fee was being charged because the savings balance was under {$300.00}. ( My son was in the dark about this simple that could have been imparted. 

{$5.00} monthly on a XXXX Account is the exception. BOA has ways to assure that its customers are not been duped. This is a shameful, unethical practice. 

A. I would like a full accounting of DATE that the {$5.00} monthly fee started. 
B. Provide TOTAL AMOUNT OF FEES paid to PRESENT. ( $ $ $ PAID ) MAKE XXXX WHOLE : 100 % refund of {$5.00} monthly fees due to unfair profiteering and unethical business practice. Funds to be deposited into XXXX account XXXX.
Consumer complaint received 2023-06-04
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: Experian Information Solutions Inc. (MI)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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.

The letters are stated with items and issues.

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.