davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-28
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. (LA)

I am writing to file a formal complaint against the credit bureaus regarding their failure to conduct a proper investigation into my credit report, which has been involved in multiple data breaches. Despite repeated attempts to rectify this issue, the credit bureaus have continuously ignored my requests and failed to address the inaccuracies and potential fraudulent activities on my credit report. 

I have been a victim of identity theft, resulting in unauthorized accounts and fraudulent activities appearing on my credit report. I have taken immediate action to protect my personal information and have filed police reports regarding these incidents. However, the credit bureaus ' lack of responsiveness has further exacerbated the situation, leaving me in a vulnerable position. 

I have followed the proper procedures outlined by the Fair Credit Reporting Act ( FCRA ) by submitting dispute letters to all three major credit bureaus XXXX, Experian, and XXXX. Despite submitting these disputes with all the necessary supporting documents, I have not received any meaningful response or resolution.

Furthermore, I have made numerous phone calls to the credit bureaus ' customer service departments, only to be met with long wait times, unhelpful representatives, and a lack of progress. The credit bureaus ' failure to conduct a thorough investigation into my credit report not only violates my rights as a consumer but also perpetuates the damage caused by the data breaches.

I urge the Consumer Financial Protection Bureau to intervene in this matter and ensure that the credit bureaus carry out a proper investigation into my credit report. I request that the credit bureaus promptly : 1. Conduct a thorough investigation into the inaccuracies and potential fraudulent activities on my credit report, considering the evidence and supporting documents provided.

2. Remove any unauthorized accounts, fraudulent activities, and inaccurate information from my credit report.

3. Provide me with a detailed report of the investigation 's findings and the actions taken to rectify the issues.

4. Implement measures to prevent further unauthorized access to my credit information and ensure the security of my personal data.

I appreciate the Consumer Financial Protection Bureau 's dedication to protecting consumers ' rights and ensuring fair practices in the financial industry. I trust that you will take the necessary steps to address this matter and hold the credit bureaus accountable for their negligence.

Please find enclosed copies of relevant documents, including the dispute letters and police reports, which support my complaint. I kindly request that you acknowledge receipt of this complaint and keep me informed of any actions taken. 

Thank you for your attention to this matter.
Consumer complaint received 2023-11-07
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/23 I made a purchase on XXXX in the amount of {$110.00}. There was a promotional offer for {$30.00} back if spending {$100.00}. The credit has not posted yet my balance is due. I met all the promotional terms.
Consumer complaint received 2024-02-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (NJ)

I was born on XX/XX/XXXX. In early XXXX, when I just turned XXXX, my mother and I went for a routine cleaning to XXXX XXXX in XXXX, NJ. The dentist, without pre-approval from insurance, performed additional procedures and charged the XXXX of us {$1700.00} for the visit. 

Our insurance denied the charges and the dentist put all the charges on us. We refused to pay. They subsequently sold the debt to Radius Global Solutions, LLC, a debt collection agency.

Radius Global put all {$1700.00} under my name, so I couldn't get an apartment lease for my school. Radius Global demanded that I pay the full amount when I was responsible for less than half of it.
Consumer complaint received 2024-02-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: HoldCo LLC (TX)

I was sent money to place into a bitcoin machine for a transfer. I used a Bitcoin Depot machine to transfer {$2000.00} into bitcoin. The machine did take the money and record the transaction ; however, I have been unable to send the bitcoin to my friend. Customer service states, over and over, the money is there in the system. Supposedly, there is a glitch in the system that began with the blockchain being messed up. I have repeatedly called and no one has the ability to give me an update or a completion date for the issue to be corrected. This has gone on for six days. The policy states that when the money is completed into bitcoin, it can not be reversed. I really would like a refund of my {$2000.00} to begin with another company. Bitcoin Depot has XXXXXXXX XXXX XXXX and is completely being unperfessional. This needs to be fixed.
Consumer complaint received 2024-04-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO Bank, N.A. (IL)

XX/XX/XXXX BMO BANK took XXXX payments out of my checking account for my auto loan and they will not give me the money back despite my calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The amount is {$650.00}. They never mailed the refund nor did they deposit electronically. Each time I called I was transferred to a resolution XXXX who promised that they would help and that they would refund the {$650.00} to me but it never happened. I have made multiple phone calls and never has anyone offered to overnight the check or electronically refund the money at all. Currently I am out {$650.00}.
Consumer complaint received 2024-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MoneyLion Inc. (NY)

On Sunday XX/XX/XXXX at XXXXXXXX XXXX I was notified my account was closed due to Suspicious activity. The email stated it needed a copy of my ID, proof of address as well as a notarized document from the depositor as well as their ID. When I call the customer service number it was an overseas firm who refused to give me any information said they weren't allowed to and that I would have to submit the documents. I explained the only deposit coming in was for my tax refund and I had no way to get a copy of the government 's ID. In the meantime, I can not access the app to even see my account which has a checking in an investment account on it. My paycheck is direct deposited in there so I am left with no money that I am allowed to access. I've attempted to call every customer service number I could and I get the same response of. We're sorry but there's nothing we can do. I again I can't even access my account to see if they took all my money. I know I just got paid the direct deposit. I've never had an issue with this company before and now I am stuck with no money to get even to work because I was foolish enough to allow them to sign me up for direct deposit and just use the The debit card to pay for everything. I need assistance and nobody will respond. They have lock me out of all my money and give me no resolution. I've advised them you can't steal somebody's money and they tell me they can cancel my membership at any time if they choose. Please help
Consumer complaint received 2024-02-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (FL)

I am writing to file a formal complaint against Citi Bank, the lender for my Home Depot credit card, for what I believe to be repeated and egregious violations of the Fair Debt Collection Practices Act ( FDCPA ). Despite my efforts to communicate with them regarding my account 's current status, their practices have continued unabated, causing significant personal distress. 

Account of Events : Citi Bank has made repeated calls to my phone number, often hanging up before I can engage in conversation. Here is a breakdown of their calling pattern : XX/XX/2024 : XXXX calls XX/XX/2024 : XXXX calls XX/XX/2024 to XX/XX/2024 : XXXX calls each day On XX/XX/2024, I informed a representative that their calling pattern was in violation of the FDCPA, specifically the provisions against causing annoyance, abuse, or harassment through repeated calls. The representative merely apologized and proceeded with the call, ignoring my concerns. 

Impact on Me : These repeated calls have caused me considerable XXXX  and XXXX, significantly impacting my daily life and well-being.
Consumer complaint received 2024-02-10
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. (NY)

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : FST XXXX  # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) # XXXX. Account Name : XXXX # XXXX, Account Name : XXXX XXXX  XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to formally dispute unauthorized inquiries that are currently appearing on my credit report. Upon reviewing my credit report, I have identified inquiries that I did not authorize or recognize.

I would like to emphasize that I did not authorize or initiate any credit applications or transactions with the entities associated with these inquiries. Therefore, I believe these inquiries are unauthorized and should be removed from my credit report immediately.
Consumer complaint received 2024-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc. (NY)

I was charged for a home inspection. Contractor and mortgage company fraudulently ordered an inspection without my knowledge. Contractor had his company and phone number listed as a contact with mortgage company. Mr cooper should know what my information is and that it didn't match. I was not home when inspection was completed, and they deemed my home to be 80 % repaired. My home wasn't even 25 % repaired at this point. They have a process of home inspections and they didnt follow their own rules. I was charged {$35.00} for an inspection that i never ordered, authorized, or present for. Later they would reduce the percent complete without good explanation. I was then charged {$70.00} for {$35.00} x 2 for inspections. I over pay my mortgage every month and put the difference to principal. Mr cooper decided one month to just remove {$70.00} for itself also without authorization from me. So I have been charged {$100.00} for 1 inspection that wasnt ordered by me. Mr cooper releases all funds deeming the home to be complete.
Consumer complaint received 2023-06-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (KY)

1 month ago, on or around XX/XX/XXXX, I started a new account with Venmo. I had added some banking information onto the account. I was having some issues adding a bank account. There was no explanation as to what the problem was. I transfered XXXX dollar into the Venmo account. 
3 days ago I receive and email from company stating that my account had been frozen due to " activity '' that had taken place, and in order to keep my account I was supposed to upload a copy of my identification, which reluctantly I did after a couple of days. Mind you this company is known for it's Shady business practices. 
Today I receive an email from Venmo that my account was going to be permanently deactivated for " the safety of Venmo users ''. I've not had the account nearly 2 months, and my " activity '' is against their policy. Transferring funds and adding banks is against their policy. What a joke. A company who doesn't use names, goes by " Account Specialist '' is sitting in some back office, demanding my identification; holding my money and account hostage, is saying that my activity is a risk to the safety of their users??? What a joke. 
I finally said I didn't want the account anymore, that I just wanted my money returned. They're refusing to do so. This complaint is the first step in trying to recover my funds. VENMO IS NOT KEEPING MY MONEY. This company is a joke and needs to be shut down.
Consumer complaint received 2024-02-16
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

CHASE CLOSED ME ACCOUNT FOR NO REASON, BUT THAT IS NOT THE PROBLEM THE PROBLEM IS THAT THEY ARE HOLDING MY REMAINING BALANCE BECAUSE SUPPOSEDLY THEY CANT VERIFY IT. I AM ASKING THEM HOW OR WHERE THEY GET THE NUMBER BECAUSE THE CHECK MAKER AND BOSS SAID THEY HAVENT CALLED SO I GAVE THEM THE CORRECT NUMBER AND THEY WILL NO ACCEPT IT BECAUSE SUPPOSEDLY THEY CANT USE THE NUMBER BECAUSE IT IS NOT ON THE SYSTEM. IVE BEEN TRYING TO GET A HOLD OF THE FUNDS SINCE THE3 DAY THE ACCOUNT CLOSED
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (CA)

On ( XX/XX/2024 ), I sent a letter to ( JEFFERSON CAPITAL SYST ) requesting the removal of an alleged account from my consumer report, stemming from identity theft. Despite more than 30 days passing, I have neither received a response nor has ( JEFFERSON CAPITAL SYST ) complied with my request, a clear violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached is the letter mailed on ( XX/XX/2024 ), along with an updated FTC identity theft report.
Consumer complaint received 2024-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to formally dispute unauthorized inquiries that are currently appearing on my credit report. Upon reviewing my credit report, I have identified inquiries that I did not authorize or recognize.

I would like to emphasize that I did not authorize or initiate any credit applications or transactions with the entities associated with these inquiries. Therefore, I believe these inquiries are unauthorized and should be removed from my credit report immediately.
Consumer complaint received 2024-04-30
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. (VI)

XXXX : The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2024-02-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NJ)

i have a jet blue credit card under XXXX 's bank number XXXX XXXX XXXX XXXX i received a notice of a possible fraudulent transaction -not true and i should call a certain number. i called and they have a recording that the minimum wait time is over XXXX hours,. i kept myself working on my computer for XXXX hours and nobody answered. i called a XXXX time. same message. there is no email acct. i am going to drop this card within a month. there are companies who give you the option to leave your number and they will call you back later. this company does not and therefore you have no means of contact. this occurred XX/XX/ at about XXXX XXXX my name is XXXX XXXX XXXX
Consumer complaint received 2024-02-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (OH)

I was sent a payment through Venmo for {$250.00} I/O and return sent the money to my daughter and her Venmo account. She tried to return the funds and then our accounts were frozen/suspended. We were then asked to provide our IDs and we both submitted our IDs and after that we still were not able to access our funds. We have not been able to talk to anyone live. All we get is the same emails stating that they know our problem. We have also had the option to talk to someone by chatting only is a robot we are not able to withdraw our funds or send money however, they do allow us to receive money which is kind of Absurd no one is helping us. We received an email on XX/XX/XXXX stating someone would reach out to us in 24 hours. It is now XX/XX/XXXX and no one has reached out this begin XX/XX/XXXX for myself and XX/XX/XXXX for my daughter on the XXXX. my account was frozen in on the XXXX. Her account was frozen. Please help us.
Consumer complaint received 2023-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (CO)

MRS BPO , LLC has been contacting me via email stating that they are collecting a debt for an account I had with XXXX  They are not the owners of this debt as I have spoken with XXXX who says that the collector is XXXX XXXX. I have contacted XXXX XXXX and paid off this debt. MRS BPO , LLC continues to contact me with the account details including the account number and amount of the paid debt asking for payment.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

Equifax is continuing to keep sending me stall letter so avoid fixing the inaccurate information on my credit report, now I received a letter saying they cant verify my identity
Consumer complaint received 2024-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (FL)

I am writing to file a formal complaint against PNC Bank, specifically the branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. On XX/XX/2024, I experienced an egregious violation of my consumer rights during a visit to this branch, compounded by a distressing experience as an XXXX American woman with a XXXX. 

Upon attempting to withdraw funds from my account, I was informed by the bank staff that I could not withdraw an amount exceeding {$2000.00}. This restriction was placed even though my account balance exceeds {$100000.00} and I've had the account open for over two years. This arbitrary and unexplained limitation on accessing my own funds is not only an inconvenience but also raises serious concerns about the bank 's commitment to facilitating reasonable and fair customer transactions. 

Furthermore, I requested to wire the money as an alternative solution, only to be told that the wire system was mysteriously " closed '' to me. This occurred even though I entered the bank at XXXXXXXX XXXX  Eastern Time, well within the regular banking hours. The refusal to process a wire transaction without any legitimate justification is not only a blatant violation of banking standards but also a breach of my right to access and manage my funds freely. 

To compound matters, when I sought to obtain a cashier 's check for an amount exceeding {$10000.00}, I was once again met with resistance. The bank staff insisted on imposing an arbitrary limit that contradicts my knowledge of standard banking practices. This unwarranted restriction hindered my ability to conduct legitimate financial transactions and demonstrated a complete disregard for customer needs and felt extremely biased as a woman when I saw men in the branch having no similar issues. 

I am appalled by the treatment I received at PNC Bank, and it is evident that my consumer rights have been blatantly violated. Such practices are not only unacceptable but also indicative of a lack of transparency and fairness in PNC Bank 's operations. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigates this matter to ensure that appropriate corrective actions are taken against PNC Bank.
Consumer complaint received 2024-02-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2024, I deposited {$2000.00} into my checking account. A few hours later I attempted to make a withdrawal for {$2000.00} to pay some bills at a different ATM Location. I received an error message from the ATM, claiming I was over my daily withdrawal limit and the transaction was declined. I then attempted to withdraw {$1000.00} but received the same error message and my card was returned but no funds were issued. I checked my bank account balance and ( {$1000.00} ) had been deducted from my balance despite no funds being issued. I immediately filed a claim over the phone with a specialist and was told it may take up to 10 business days. I received a provisional amount of {$1000.00} credit to my account on XX/XX/2024. A few days ago I received a later in the mail stating my claim had been denied and the amount would be deducted from the account. Today on XX/XX/2024 the amount of {$1000.00} was deducted from my account causing me to be overdrawn by - {$950.00} dollars. I immediately called a claim specialist and explained the situation and felt belittled by the customer service team. I do not feel Wells Fargo treats their customers fairly our care about their customer satisfaction.
Consumer complaint received 2016-04-24
Product: Credit card — 
Issue: Credit determination — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

USAA Savings Bank, XXXX XXXX XXXX, XXXX XXXX, NV XXXX sent me an application for A XXXX USAA credit card. I filled out the information that they requested and mailed it back to them. On XXXX XXXX, 2016 I received a decision to decline my application which was purely pretext and false in XXXX of the reasons they used to decline my application including the credit score they listed. I believe I was declined because of my age and not the reasons that they listed.