davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation (TX)

I am writing to file a formal complaint regarding fraudulent activities that have taken place involving my ex-fiance. On XX/XX/year>, I discovered unauthorized accounts and transactions on my credit report from your company, which I believe are a result of fraudulent actions by my ex-fiance. 

Furthermore, I would like to bring to your attention that Ive been a victim of Identity theft and my driver 's license was stolen at XXXX XXXX XXXX XXXX. This incident has added to the complexity of the fraudulent activities that have affected my financial well-being. 

I have already involved the local law enforcement authorities and am fully committed to prosecuting anyone found to be involved in these fraudulent activities on my credit report. 

I kindly request your urgent assistance in investigating this matter and taking appropriate actions to rectify the fraudulent accounts and transactions on my credit report.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advanced Resolution Services Inc. (GA)

15 U.S.C 1692c. Communication in connection with debt collection a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX and before XXXX XXXX XXXX, local time at the consumer 's location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 
( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 
( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 

If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
( d ) " Consumer '' defined For the purpose of this section, the term " consumer '' includes the consumer 's spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Consumer complaint received 2024-06-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (TX)

Had transfered monet via XXXX and had given more than I had meant to a friend. XXXX was refusing to transfer the funds back despite both of the XXXX  users trying to confirm a transfer. No help was given from XXXX so a dispute was made via Wells Fargo. They have denied the claim with no final resolution letter that is required per their agreement. I believe that there has been no proper review made and would like a refund or at least a properly done review
Consumer complaint received 2024-06-08
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV INC. (CA)

My Money Network debit card from XXXX was supposed to arrive 2 weeks ago, but I never received it. I called Money Network to which they said that the card already has five unauthorized transactions. 

Transaction date Posted Date Merchant Address Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I was fraudulently charged for a {$1.00} in XX/XX/XXXX. Citi Bank immediately notified me and closed my card. 10 days later, on XX/XX/XXXX, the same merchant charged my new card before I had even received it. I immediately contacted Citi the same day and reported this as fraud. They closed this new card and then ordered me a new card. This charge has since posted to my newest account with the same XX/XX/XXXX date and it is already XX/XX/XXXX and I have not had this dispute resolved nor have I receive a provisional credit by the 10th day.
Consumer complaint received 2024-06-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (CA)

On XX/XX/year>, a payment in the amount of {$50.00} was paid through my XXXX checking account to Concora Credit as a payment for my Destiny credit card account ending in XXXX. This payment was a Retry payment through the XXXX checking account because the initial payment that was made on the Destiny website on or about XX/XX/year>, did not go through. This Concora Credit Retry payment was made on XX/XX/year> and debited from my checking account. It was never returned by XXXX after the XX/XX/year> payment was made. Concora Credit stated that the XX/XX/year> payment was returned. This is false. I sent them my checking account statement showing that it was paid on XX/XX/year> and never returned but they refuse to credit my Destiny account for this payment. 

I made a second {$50.00} payment to my Destiny account on XX/XX/year> on the Destiny website for which I was credited but I never received credit for the XX/XX/year> Retry payment. 

My Destiny statements show only one {$50.00} payment on XX/XX/year> but do not show the {$50.00} payment made on XX/XX/year>.
Consumer complaint received 2024-06-08
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (CA)

I received a pre-selected Chase Sapphire Preferred credit card offer in the mail. I accepted the offer through my cell phone on XX/XX/year> and was approved for the credit card and its benefits. I used it one time with success via XXXX XXXX XX/XX/year>. The next 3 times I attempted to use the credit on XX/XX/year>, with my XXXX XXXX it was rejected. I contacted their customer service same day and I was passed around to 3-4 different representatives and no one was able to tell me why my credit card was declined and one of their female security representatives was very rude. I spent over 2 hours talking to customer service and chase security team on my cell phone and they asked me many questions but could not provide any answer to why my card was declining. With such a bad experience I requested to cancel my credit card to the customer rep. and they did not allow me to do so either. They said I have no access to my own credit card. So I am unable to use my credit card, I am unable to take advantage of the introductory benefits and I am unable to cancel my credit card. I also spent 2 torturous hours with their customer service team with no resolution.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (GA)

I recently checked my credit report and found some inaccuracies that are hurting my account. I was never late on any account listed and therefore need your help. If I understand correctly you will investigate these items for me to ensure accuracy.
Consumer complaint received 2024-06-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Western-Shamrock Corporation (OK)

I am a reference contact for a customer of Western Shamrock in XXXX, MO. On Tuesday XX/XX/year> @ XXXX I was contacted by XXXX and was asked if I could give the customer a message : to return a phone call to the company. I stated ok. The phone call lasted 24 seconds. On Wednesday XX/XX/year> @ XXXX I was contacted by XXXX again and she asked if I was able to get the message to the customer yet? When I replied yes, she asked what did he say? I stated that I had given the message and what the customer did with that message is up to him. This call lasted 30 seconds. On Thursday XX/XX/year> @ XXXX I received yet another phone call from XXXX again asking if I was able to give the customer a message to call. She stated she hasn't heard from the customer. This phone call lasted 29 seconds. On Friday XX/XX/year> @ XXXX I received yet another phone call from XXXX . She stated that the customer has not shown up when scheduled and has not heard from the customer and that the customer is past due. I stated that this is the fourth day in a row that you have called me and spoke with me and from my knowledge of working in the business for almost 10 years once you make contact or leave a message you are unable to contact for again for 7 days, she instructed me that this is not their company policy and yes, she can contact me daily. I told her I am just a reference contact I am not the customer and you can not harass me like this and I will be contacting the CFPB and she told me okay. I hung up the phone. On Friday XX/XX/year> @ XXXX I called XXXX back and asked for the corporate phone number which I was given ( XXXX ) XXXX. I attempted to contact the corporate office and could not get anyone to answer the phone.
Consumer complaint received 2024-06-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

For complaint number XXXX I asked Capital One to open my account since your system is defective. Someone by the name XXXX received my complaint and answered to it with no resolution, document attached. You mention there was information on my XXXX XXXX  report that prevent me from opening my account. Attached is my full report from XXXX XXXX. Literally 2 inquiries when one belongs to you ( Capital One ) nothing else. In what world you have a brand new report with XXXX information on it and you will use against a potential client because you don't see any negative remarks? I believe your inquiry will affect me with future Banks application and it needs to be either processed as a new application or you'll have to delete the inquiry. I'm just not gon na accept that I have a clean history and you still not open the account. I will do every within my power to get it done or get it removed, but you will NOT be another inquiry left on my report for no reason.
Consumer complaint received 2024-01-10
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)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Someone hacked my phone number, cell phone, and using my social security number, driving license. I have several bank account. Always change my online access and using my debt card. Contacted with bank using my social security. Paying bill, taking money from my account. I don't have any control my bank accounts.
Consumer complaint received 2024-06-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (DC)

As of our XX/XX/XXXX Statement we were carrying a 0 % APR balance transfer of {$12000.00}. We also had a balance of {$580.00} on the account at 22.24 % APR. 

From XX/XX/XXXX to XX/XX/XXXX we traveled to XXXX XXXX and utilized the XXXX Chase card heavily. Making a payment of {$5000.00} on XX/XX/XXXX to cover the minimum payment due, plus the {$580.00} on the account AND any charges that were made during the month. 

Chase instead applied the payment to the minimum due, then around {$3200.00} ( {$3200.00} in total but some of that was part of the minimum payment due ) to the 0 % APR. Chase stated to me- and is shown in the statements - that they are charging interest immediately on any transaction to the card because of the 0 % APR balance transfer. 

In addition to the payment from XXXX that was misapplied, I also reviewed my XXXX statement where Chase applied {$200.00} above and beyond the minimum due on the balance transfer to the 0 % APR BEFORE applying it to the interest bearing amount. I haven't gone further back in my statements, but I imagine that it likes holds true in prior months.
Consumer complaint received 2023-07-11
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: Experian Information Solutions Inc. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


XXXX XXXX XXXX  XXXX XXXX - IDENTITY THEFT XXXX # XXXX - IDENTITY THEFT XXXX XXXX XXXX - IDENTITY THEFT XXXX XXXX  XXXX - IDENTITY THEFT XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX - IDENTITY THEFT XXXX LEND # XMRDGT - IDENTITY THEFT XXXX XXXX # XXXX - IDENTITY THEFT XXXX  # XXXX - IDENTITY THEFT XXXX XXXX XXXX - IDENTITY THEFT XXXX XXXX XXXX # XXXX - IDENTITY THEFT XXXX # XXXX - IDENTITY THEFT XXXX XXXX # XXXX - IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: DISCOVER BANK (NJ)

I had a checking account with XXXX ( XXXX, XXXX, NJ, XXXX ) on XXXX XXXX - Transferred - {$10000.00} XXXX to Discover Saving XXXX XXXX Closed XXXX XXXX XXXX XXXX to Discover Saving XXXX XXXX Discover revers back to XXXX XXXX went to XXXX XXXX and asking for my money but they told we didn`t have your money we have transferred to Discover. 

XXXX I have called to Discover and they told we don`t have your money. 
XXXX I have called to Discover and they told we don`t have your money contact to XXXX. 
XXXX I have called XXXX they told we have closed your XXXX and We didn`t have your money. 

I am redirect to XXXX to Discover and Discover to XXXX but nobody told Where is my Money and when can I get it. 

I would like to help me what should I do to get money and who can help me to get money.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any items that resulted due to Identity Theft. Please find the required documents to assist in the removing of the erroneous items which are being posted to my report. Here are the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (AZ)

I have been in Wells fargo bank for many years now. There have been times where i get charged for over draft fees and non sufficient fees many times and lately it has been almost every day. I have called and complaint but im only told im able to get the {$35.00} fee reimbursed once every 12 months ; but yet i can get charged many many times by them.
Consumer complaint received 2022-11-24
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: Experian Information Solutions Inc. (TX)

Bankruptcy in my credit report that are not mine Experian has certified that they are mine, and courts dont answer to disputes, there third party also has been reporting to them fraudulently.
Consumer complaint received 2024-06-08
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRUIST FINANCIAL CORPORATION (MD)

Regional Acceptance Corporation, has violated 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-06-08
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (GA)

They sent me to collections and reported me the credit bureaus though i informed XXXX I was approved but never purchased a phone as the cost phone and service were more than what i was quoted prior to approval. So I chose to compare with their prepaid company XXXX by XXXX to see if I could get a better deal and I did in or about XX/XX/year>. 

Was told if i didn't come back in a week my approval would be cancelled and I would have to reapply. I never returned as I went with XXXX by XXXX instead.
Consumer complaint received 2023-04-07
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: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX