davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NY)

Friday XX/XX/year> - XXXX had got a Wells Fargo Premier Client offer ( {$250000.00} in new assets for {$2500.00} bonus ). I went to Wells Fargo Branch, ( XXXX XXXX XXXX XXXX met with a banker XXXX to open the account. 

My Wells Premier Promo is XXXX ( {$2500.00} for $ XXXX in new assets ) The banker told me that I can enroll myself in the {$520.00} savings promo as well at the same time, and that the savings balance would count towards the overall balance. So my goal is $ XXXX in savings and $ XXXX in investments. The savings promo is to maintain a balance of $ XXXX and get a {$520.00} bonus. The Banker ensured me I am totally eligible for both bonuses I requested a promo code for savings ( XXXX ) The banker subsequently opened the savings account ending in XXXX. He ensured me I would get both the premier checking promo {$2500.00} and savings promo bonus {$520.00} XX/XX/year> - I see {$2500.00} premier checking bonus, however I did not see the promo {$520.00} for savings XX/XX/year> - I called Wells Fargo XXXX and after sometime. They agreed to document the case. 

XX/XX/year> - I got an email from exec assistance from Wells Fargo they are looking into it. 

XX/XX/year> - I got an email they looked into it but the bonus is paid, However, they are referencing my checking ending in XXXX ( I never asked about checking, I was questioning my savings ending in XXXX ) Honestly I don't understand how the Agent is mistaking accounts, I feel this is a much bigger issue lol ... at least the agent is looking at my bank accounts, what is he/she is looking at other people account and respond to the email
Consumer complaint received 2024-08-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

The dispute center has failed to resolve this issue by the indicated date. I provided proof that the charge should be removed and citi has failed to do so. 
XXXX {$280.00} The reps and even supervisor are incapable to resolve any type of issues. 
Ive been waiting for over 3 months When I called today and manager XXXX at the dispute center answers he hung up on me after XXXX hours of being on the phone on purpose. How does citi expects customer to fix issues like that when supervisors act that way? What type of company is this?
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear CFPB Representative, I am writing to formally lodge a complaint regarding the failure of the credit bureaus to conduct a proper investigation of the disputed accounts on my credit report. This complaint pertains to the lack of adherence to the Fair Credit Reporting Act ( FCRA ) by the credit bureaus in question. 

On XX/XX/year>, I submitted a dispute regarding the following accounts : I completely disagree with the response from your investigation. The following incorrect items, which I have listed below, still remain on my credit report even after your investigation. I request that you re-investigate these items immediately and provide a valid reason for them. These inaccuracies are causing significant harm to my credit rating. 

XXXX. The following information is outdated. I would like it removed from my credit history report XXXX Account Number : XXXX Please supply information on how you have verified this item. 
XXXX. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX This is not mine. 
XXXX. Other information I would like changed XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. This is the wrong creditor for this item XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. This is a duplicate account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

The credit bureaus responded with a stall letter and simply verified the accounts without conducting a thorough investigation as required under the FCRA. I am formally requesting the method of verification and specific details on how the verification was conducted, including the names and contact information of individuals involved in the process. 

The response from the credit bureaus constitutes a violation of their obligation under the FCRA to conduct a proper investigation. As such, I am requesting a re-investigation of the disputed accounts. The FCRA mandates that credit bureaus investigate disputed information and provide a detailed response regarding their findings. Failure to do so is a clear violation of my rights under the FCRA. 

If the credit bureaus ignore this request or fail to conduct a proper re-investigation, they will be in further violation of the FCRA, and I will seek appropriate remedies and compensation for these violations. 

I expect prompt and thorough action on this matter. Please ensure that the credit bureaus fulfill their legal obligations and provide the necessary documentation and details regarding the investigation of my disputes. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Consumer complaint received 2024-07-15
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. (NJ)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Employer - XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX  XXXX - XXXX Listed below are the Collections that are being challenged XXXX  XXXX - XXXX XXXX  XXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-07-12
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Amsher Collection Services, Inc. (FL)

I HAVE REACHED OUT TO THIS COMPANY ADVISING THEM THIS IS NOT MY ACCOUNT SOMEONE IS USING MY IDENTITY AND TO REMOVE FROM MY ACCOUNT. THE COMPANY HAS YET TO SENT ME ORIGINAL CONTRACTS WITH MY SIGNATURE ON IT AND OTHER SUPPORTING DOCUMENTS THIS IS HURTING MY CREDIT.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to express my concerns regarding the practices and adherence to regulations and laws by the credit reporting agencies. Upon reviewing my credit reports, I have identified several alarming issues that require your immediate attention and clarification. 

First and foremost, I was under the impression that transactions and remarks should not be reported on credit reports. However, I have noticed that my reports include numerous transactions and remarks. This is contrary to my understanding of the reporting guidelines and raises concerns about the accuracy and appropriateness of the information being reported. 

Secondly, I believe that credit reporting agencies have a responsibility to be fair, impartial, and to respect consumers ' rights to privacy. Despite this, I have found that my personal information, such as my employer and phone number, is accessible to other companies and used for promotional inquiries. This widespread availability of my personal information is deeply concerning and appears to violate my privacy rights. 

Additionally, I was under the impression that my credit report should be managed in accordance with my written instructions. However, when I requested the removal of certain personal information and transactions, I was advised that it could not be done. This response is perplexing and seems to contradict the principle that consumers should have control over their own information. 

Furthermore, I have never received a comprehensive report detailing the procedures and findings of investigations following my disputes. It is my understanding that the outcomes of such investigations should be disclosed to consumers, ensuring transparency and accountability. The lack of detailed information about how disputes are handled and resolved undermines my confidence in the accuracy and fairness of the process. 

I find it hard to believe that an investigation can be deemed complete and the report updated without providing evidence and proof of the actions taken. Such a practice does not seem sufficient to substantiate the accuracy of the information being reported, especially in light of the allegations I have brought forth. 

In light of these concerns, I kindly request a thorough review of my credit reports and an explanation of the following : Why are transactions and remarks being reported on my credit reports? 
How is my personal information being protected and why is it accessible for promotional inquiries? 
Why are my requests for the removal of certain information being denied? 
Why am I not receiving detailed reports on the investigations following my disputes? 
I trust that you will address these concerns promptly and ensure that your practices are in full compliance with the relevant regulations and laws. I look forward to your prompt response and resolution of these issues.
Consumer complaint received 2024-08-10
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Property Receivables, Corp (LA)

I reached out to the companies listed that the apartment complex sent me because it's on my credit report 3x for the same creditor with different amounts. XXXX XXXX wanted me to pay {$370.00} to have it removed because they said by law the information was inaccurate but wanted to charge me to allegedly have it removes. Then the dates are inaccurate I haven't stated there since I purchased a home in XXXX  and it's showing up from XXXX. The amounts, dates, and times listed are inaccurate.
Consumer complaint received 2024-07-15
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. (DE)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2023-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (PA)

A XXXX representative called me with phone # XXXX on XXXX XXXX. Saying somebody was trying to purchase an XXXX XXXX XXXX XXXX on my XXXX account. So he told me, he had to change my old account and reopen a new one because this account is being compromised. Of course I believed him, thanI received an email and a text from him the XXXX to verify my account. They Send me my bill and send me a 2 REFUND CODE ( XXXX & XXXX ) on my email address thats XXXX has on file this # XXXX under XXXX XXXX. long story short. The code they sent to my email ended up being XXXX & XXXX. I have the emails as proof. Ive filed a claim with Chase bank claim # XXXX. They denied my claim on XXXX XXXX. With a letter stating No action will be taken. 
This inquiry is now resolved. Was advice from Chase claims dept to contact XXXX. Ive called XXXX 3 times they will not connected me to a fraud dept,, bc its not concerned a fraud. This is a back and forth situation. No one seems to want to help me. Ive lost {$990.00}. I am a XXXX person who receives 1 check a month. 
This inquiry is now resolved. Was advice from Chase claims dept to contact XXXX. Ive called XXXX 3 times they will not connected me to a fraud dept,, bc its not concerned a fraud. This is a back and forth situation. No one seems to want to help me. Ive lost {$990.00}. I am a XXXX person who receives 1 check a month.
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: LD Holdings Group, LLC (FL)

I had a late payment on my credit report.I reached out the mortgage company to correct it. The mortgage company would not correct it. I made my XX/XX/year> payment and I did not find out it was returned until XX/XX/year> because I was away on my current XXXX. I'm currently under the XXXX with the company.
Consumer complaint received 2024-07-15
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I made a payment of XXXX which left a balance of {$8000.00}. I called to request my balance to be paid to me and Capital One has stolen my money and refuses to pay me the difference of my account ending in XXXX this is a violation of 18 U.S. Code 1341 - Frauds and swindles I didn't give consent to this account for this isn't mine because there's proof of account is mines. For this also a violation of 12 U.S. Code 5531- Prohibiting unfair, deceptive, or abusive acts or practices stealing consumers money thats owed to them This also a violation of 18 U.S.C. 1348 SECURITIES FRAUD Securities and commodities fraud is a serious crime under federal law, punishable by a maximum imprisonment of 25 years, plus a fine. 18 U.S.C. 1349 confirms that an attempt or conspiracy to commit a violation of 18 U.S.C. 1348 will be punished in the same manner as a violation of Section 18 USC 1348 itself.
Consumer complaint received 2024-04-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I took out a credit card from Bank of America for me and my son to use as authorized individuals. The limit to be borrowed on the credit card was set by Bank of America at {$11000.00} and I agreed to that limit. Subsequently, my son, who is emotionally challenged and became XXXX, made thousands of dollars of purchases in excess of the agreed-upon limit, up to over {$19000.00}. These purchases occurred in XXXX and XXXXXXXX XXXX XXXX I was never notified that he had exceeded the {$11000.00} limit, and was unaware of the extent of the excess until the XXXX statement arrived. The purchases and dates are so many that it is not practical to list them individually here. Rather, I have attached the relevant bank statements, which detail the purchases, the amounts, and the dates of the purchases. I am also attaching the letter my husband sent to Bank of America outlining the facts in this case, as well as the relevant portion of the Credit Card Agreement, the terms of which were set by Bank of America and agreed to by me, as evidenced by my use of the card after reading the Agreement.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I have previously disputed with XXXX, XXXX and Equifax regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am sending this complaint only to Capital One bank : I have recently submitted a claim in regards to two transactions that were done through XXXX without my knowledge or consent. XXXX were unable to help in my issue of these unauthorized transactions. I am now submitting this claim towards the issuer of my debit card which is Capital One bank. I am hoping to solve this problem of mine and be able to find the resolution I need. Both transactions occurred on the days of XX/XX/XXXX and XX/XX/XXXX back to back. One payment was {$38.00} and the other one is of {$36.00}. I have tried many times to take action against these transactions with XXXX themselves but have been denied assistance. I am not trying to reach Capital One through this complaint after also being denied assistance.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 in those account 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. 

XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.
Consumer complaint received 2024-07-12
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. (FL)

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 
The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 
I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2024-07-15
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: EQUIFAX, INC. (PA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX XXXX breach, which raises concerns about the security of my personal data.