davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

I am under contract to purchase my first home. On XX/XX/XXXX I sent a wire ( {$75000.00} ) to what I thought was the seller 's attorney, per my attorney 's email instructions. On XX/XX/XXXX my attorney called and informed me that their law office had been hacked. Upon investigation, we learned that the wire I previously sent was a scam sent to an unknown entity under the guise of the seller attorney ( XXXX XXXX ). We confirmed with the real XXXX XXXX that he never received my funds. I immediately called my bank ( XXXX XXXX XXXX  ) to notify them of the fraud. I also went to the local precinct and filed a police report. 

Per the detective I have been working with I have been informed that the receiving institution ( Citi ) has located the account and frozen the funds. There is {$74000.00} that remains in the fraudulent receiving account. The detective has since shifted his focus into finding the perpetrator and it now is on Citi to get my funds back. 

XXXX XXXX XXXX  ( my bank ) has been very supportive and accommodative in trying to recall these funds. They can not seem to get Citi to facilitate the recall of the frozen funds. I need these funds as soon as possible to facilitate the closing of my home by XX/XX/XXXX. Anything the CFPB can do to expedite Citi 's processes would be greatly appreciated. I'm devastated by this whole experience and just want to see the remaining {$74000.00} in my XXXX account. 

I'm attaching the police report and wire details. You will note the Citi account information where fraudulent wire was sent to.
Consumer complaint received 2024-09-10
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. (TX)

After reviewing my submission, I noticed that the Credit Bureaus stated that my account was properly investigated but how is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are inaccurate? Also, I didn't receive any ( not XXXX ) of the correspondence that I requested in the last complaint. 
You ( Equifax ) didn't provide any of the information I requested by law for you to provide. 

All of this is grounds for removal by law. 

XXXX. The Original Contract With My Signature On It ( DID'NT PROVIDED ) XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) ( DID'NT PROVIDE ) XXXX. The Payment History and Itemized Billing Associated With Each Account ( DID'NT PROVIDE and No Correction XXXX. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) ( DID'NT PROVIDE ) Also : 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 USC1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 USC1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

15 USC1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. If these accounts are not removed I will be reporting you to the XXXX and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering
Consumer complaint received 2024-08-22
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)

Hi Experian, I am a victim of identity theft and I was just on the phone with XXXX XXXX XXXX they told me this fraud account shall delete from my credit report. I never have any knowledge about this fraud and nothing is correct about this account. delete this inaccurate car loan fraud from my credit report.
Consumer complaint received 2024-08-22
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. (NY)

I've repeatedly tried to resolve the issue of false, inaccurate, and misleading information on my consumer report, but the problem persists. These erroneous entries have severely affected my life, causing considerable distress. I want to emphasize that I never authorized this information to be associated with my name, as I've been a victim of identity theft.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-07-08
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. (CA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$4600.00} XXXX  XXXX Balance : {$11000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Balance XXXX {$5700.00} XXXX XXXX  XXXX ( Original creditor : XXXX XXXX  ) XXXX Balance : {$1300.00XXXX XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/202XXXX XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2023-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Subject : Complaint against Capital One regarding the misleading offer and unfulfilled bonus Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Capital One regarding their Savour card and the false advertising of a {$200.00} bonus offer on spending {$500.00} within the first month. Despite meeting and exceeding the spending requirements, I was informed that I am not eligible for the promised bonus. This situation has caused me significant inconvenience and frustration, and I seek your assistance in rectifying this matter. 

On XX/XX/XXXX ( or in that week ), I applied for the Capital One Savour card primarily because it advertised a lucrative offer of a {$200.00} bonus when spending {$500.00} within the first month of card membership. The offer was a deciding factor for me to choose Capital One as my financial service provider. However, to my dismay, after spending a total of {$800.00} within the specified timeframe, Capital One notified me that I was not approved for the bonus. 

Feeling misled and deceived, I immediately contacted Capital One 's customer service on two separate occasions, including today ( XX/XX/XXXX ), to seek clarification and resolution. Regrettably, each interaction with their representatives left me dissatisfied and without a satisfactory explanation for the denial of the bonus. This lack of transparency and accountability from Capital One is highly disappointing and does not align with the standards I expect from a reputable financial institution.
Consumer complaint received 2024-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

My account was hacked over XXXX ( XXXX ) months ago in which USAA did not cancel my debit card and allowed phishing to occur in my account. Out of the unauthorized transactions, ATM withdrawals were processed in XXXX, Virginia, a city I do not live in. After reporting these transactions, USAA returned my paychecks and reversed the XXXX transactions but not the ATM withdrawals made in another city. USAA then sent me a letter stating that {$400.00} and {$100.00} ATM withdrawals were not fraudulent and were " authorized ''. I called USAA to request documentation twice in which XXXX ( XXXX ) banking specialist repeatedly bypassed my request and stated it's going to the take the dispute analyst XXXX ( XXXX ) days to look into it-how does it take 5 days to provide the rationale on why they made the decision in the first place?? The feedback given by USAA reported that XXXX ATM 's were used ; how was it verified I authorized some but not all? I stated in both phone calls I can provide my workplace timesheets to provide support that I was physically in my resident area at my job working, not stealing from ATM machines in a different city. This rationale does not make sense.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

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 2024-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (SC)

I have a Total Checking account with Chase Bank. I was recently paid for a settlement Ive been dealing with for the past XXXX XXXX years. Deposited the settlement check on XX/XX/year> via ATM. Waited the 7 business day hold period, and the day of. Chase tells me, they are still Verifying my payment. After 7 whole business days? Unacceptable. Ive reached out to the company to make them aware of the situation, and they have been expecting the call from Chase for 2 days, and XXXX. Has Chase reached out to anyone regarding this matter. Basically, my money is POSTED in my account in the amount of {$23000.00}. But Chase has restricted my account for absolutely no reason at all. There has to be some type of guidelines here, Ive done my part. Now the bank isnt required to uphold their end of the bargain?
Consumer complaint received 2024-10-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Initiated internal wire transfer request on XX/XX/XXXX online from BofA mobile app for {$38000.00} to be transferred to local bank in XXXXXXXX XXXX XXXX XXXX XXXX 

Wire transfer request was processed, amount deducted from my account and status marked as Completed on the wire transfer request. 

Receiver did not receive wire and was not able to get any details from their bank without XXXX code for the wire transaction. 

Made an appointment with BofA XXXX XXXX on XX/XX/XXXX to inquire about the transaction. 

Got an update from XXXX branch representative on XX/XX/XXXX that international wire transfer request was rejected because of incorrect reason code selected and that amount was returned. Was told to expect a refund back in my account soon. 

Had requested a copy of the transaction from the bank, they could not email me or fax. Went to the bank on XX/XX/XXXX to get a physical print out of the case / details of the wire. 

Found out from the printout shared that receiving bank had rejected and returned the amount on XX/XX/XXXX, same day as the transaction was processed. Its over 10 business days and still did not get a refund back on my account for the amount that was deducted. 

Initially bank told I will get the funds refunded 3-5 business days, then went to say 7-10 business days. I am still waiting for the refund. Not able to get any details from the bank, any time I go to the branch or call the Online wire transfer department all I hear is wait it will be credited, but don't get any information about when it will really happen. 

XXXX was opened with Bank of America wire department on XX/XX/XXXX. Calling them to request for an update on the case gets no where and when requesting to talk to a manager they just say manager will call back within 24-48 hours but hear nothing from them. 
Reference Case ID XXXX XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX # XXXX XXXX XXXX # XXXX - BALANCE {$9900.00} XXXX  XXXX # XXXX XXXX  # XXXX - BALANCE {$4100.00} Unauthorized inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX  {$550.00} XX/XX/XXXX XXXX XXXX XXXX {$14000.00} XX/XX/XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX  {$2700.00} XX/XX/XXXX XXXX XXXX XXXX {$460.00} XX/XX/XXXX XXXX XXXX XXXX {$6700.00} XXXX XXXX XXXX {$2500.00} XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: West Central Texas Collection Bureau (TX)

To Whom It May Concern, I am writing to file a complaint against XXXX and XXXX regarding an inaccurate collection account that is being reported on my credit reports. The West Central Collection account is in violation of the Fair Credit Reporting Act ( FCRA ), which states that any incorrect information reported shall be verified or deleted from the report. 

The collection account in question is for West Central Collection in the amount of XXXX. According to my records, I have never had any dealings with this creditor, and I do not owe them any money as of XX/XX/2023. Furthermore, the collection account has not been verified by West Central Collection or any other entity, despite my requests for verification.

I have attempted to dispute this collection account with West Central Collection and the credit bureaus, but it remains on my credit report. This inaccurate information negatively impacts my credit score and ability to obtain credit and loans. 

Therefore, I request that the collection account be deleted and removed from my XXXX and XXXX credit reports immediately. I also request that West Central Collection cease all collection activities related to this account. 

Thank you for your attention to this matter. 

Sincerely,
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (PA)

i filed disputes with all three reporting cos also call the credit card i filed with you last my 3 scores jumped up XXXX and showed the credit paid off XXXX 2023 then today i get an alert on my phone trans just dropped my score XXXX points for the increase on my credit card i went online and loged in still XXXX balance then i called and ask why trans is showing {$350.00} bal they said it wasent them the i filled out another disupet i asked trans where the hell they get there information from to fix it now!!! i cant belive this goes on every month i am trying to buy a house and no bank will tuch me iam XXXX this year pull my report are they hacked please help this is not fair
Consumer complaint received 2024-09-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (AL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-09-23
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)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.