davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IL)

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I tried to wire my colleague {$18000.00} and as soon as I did so, my online login was disabled. I called Citi Bank and they said that the wire and account was placed under investigation and the account was pending closure. The account ended up getting closed out and they said it would be 30 - 60 days from them to send me a check in the mail with the funds. We are now almost 4 months since and they have not sent the funds. I call them every single day and today ( the latest update ) they said there is only {$460.00} that is due to me. I asked them about the {$18000.00} that was supposed to be wired to my colleague that never made it to him, they then put me on hold again and they came back and they said that the wire was rejected but they are not sure where those funds are. They told me to try and call back in 48 hours to see if they could locate those funds. 

That is my entire savings that I was giving it to my colleague to invest into a real estate business together. I need someone to step in on my behalf because I can not believe a bank of this size doesn't know what happened to my funds and can not locate them!
Consumer complaint received 2024-05-22
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: LEXISNEXIS (TX)

The lady named XXXX who works the phones needs to be fired. The way she handled my call made her company look bad. Everything on my report needs to be disputed. She simply could not and would not help resolve the situation. All names and address need to be disputed on the report I provided. All phone numbers and accounts need to be removed.
Consumer complaint received 2023-12-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc. (AZ)

When I graduated in XX/XX/2020, I did not receive my diploma. I would call the school and they said they couldn't find records of me when I JUST graduated. Then time passed and with covid I was trying to get a job since I finished and could not be hired anywhere. The school promises a job when you graduate so I would call to see why they could not hold their end of the deal and they shut me out and said I had to re enter and do my classes ALL over again. My loans were forgiven and I had them disputed but recently they showed up again and I'm fighting my case because I could not use my degree since I have no diploma of proof.
Consumer complaint received 2024-01-13
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. (PA)

This serves as my follow-up submission complaint concerning my prior complaint dated XX/XX/XXXX. I am eagerly awaiting an update and the removal of specified items from my credit reports. I anticipate that the items listed in this follow-up complaint will be expunged from my credit reports within the next 15 days. Additionally, I have re-attached my FTC report with reference # XXXX for your reference. The following items are those I expect to be removed from my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance {$0.00} 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 US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XX/XX/XXXX {$0.00} This card is still reporting but there is no late payment or collection nor has it been verified nor did I authorize any of this. 
XX/XX/XXXX {$120.00} This account was not verifiable by the furnisher but still is reporting. Furnisher could find any record of this account. 
XX/XX/XXXX {$710.00} This account is outdated and was never verified although I kept trying to validate the debt. I was provided computer-generated information that did not bear my signature or consent. 
XX/XX/XXXX {$370.00} This account was never verified although I kept trying to validate the debt. I was provided computer-generated information that did not bear my signature or consent. 
XX/XX/XXXX {$390.00} This account is outdated and also this account was found by the furnisher to be identity theft. I turned in documentation to the bureau but they are still reporting inaccurate information. 
XX/XX/XXXX {$300.00} This account was never verified although I kept trying to validate the debt. I was provided computer-generated information that did not bear my signature or consent. 
XX/XX/XXXX {$190.00} his account was never verified although I kept trying to validate the debt. I was provided computer-generated information that did not bear my signature or consent.
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (PA)

Today XX/XX/year>, Chime Bank closed my account. I called them to try to resolve the issue. However they said the account has been closed and can't be reopened. I have {$400.00} dollars in my account. I asked them about my money and they said they are not giving it to me.
Consumer complaint received 2024-05-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (CA)

IQ Data purchased a debt from XXXX XXXX XXXX. IQ data is adding interest to the debt every month illegally. IQ data and I do not have an agreement and IQ data does not have a signed agreement and refuses to furnish it to me. I do not owe IQ data any money nor do i have any agreement with them. They are illegally reporting on my credit report and illegally charging me interest every month. I moved out of XXXX under XXXX XXXX protections and also do not owe XXXX XXXX  money. Under XXXX XXXXXXXX protections my ability to rehouse should not become a problem and this is also making it a problem for me to rehouse. IQ Data is reporting illegally, adding money to a debt they purchased monthly and illegally reporting on my credit file.
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MA)

We have an IKEA Visa credit card account with Comenity Bank for which we were trying to pay {$12000.00}. We mailed by 2nd day USPS priority mail the first check on XX/XX/24 with a copy of our account statement. Comenity Bank returned it, claiming we were missing info on the check. We reissued a check by mail on XX/XX/24 and we are now 10 days out with no indication of payment to our account. This appears to be a systematic delay in payment clearance in an attempt to charge additional daily interest. We have already paid over {$460.00} so far in interest on the balance we wished to pay a month ago.
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was approved for a CapitalOne XXXX on XX/XX/2024. I am trying to transfer my miles to a travel partner. Every time I try to access the miles transfer portal, CapitalOne will ask me to put in my phone number, and it will say that it can not match that phone number to my name, therefore it can not send me a 2 factor authentication code. Please see the screenshot attached.

I called customer service multiple times, and every response I got was that miles transfer is a self-service and there is nothing they can do. However, I can not self-service because CapitalOne refuses to send me a two factor authentication code to my phone number. 

Customer service at Capital One outright told me I can not transfer my miles at this time. I am helpless and I am losing out on the award redemption because I can not transfer the miles to my desired travel partner. This goes against the advertisement on the card 's information page and the booklet I got along with my card. None of the other banks pose such great difficulty to transfer miles. 

I've had this number for XXXX years, it is 100 % under my name, and I haven't changed mobile carrier for at least 4 years. I even called my mobile carrier to see if they are blocking banks from checking my identity and they said they are not. This is the number I put in for my credit card application. I was able to receive a code then, but I can not receive a code for transferring miles to a travel partner. 

I don't understand why my number is secure enough to receive a 2 factor authentication code when I signed up for an online account with CapitalOne, but my number is not secure enough to transfer miles to a travel partner. What kind of hypocrisy is this?
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (AZ)

Last year on 2022 my wallet was stolen and my debit card and all my information was stolen.my debit card was used several times until my whole funds were gone, I contacted Wells Fargo theft and fraud about my situation and si if they can help me recover my money back. So the agent for the Wells Fargo told me shell help me resolve the problem but instead of calling or talking they sent me a letter saying that my account is closed and that I had to pay for the fees and whatever was stolen that that was my problem they told me that they think I was the one that used the card.I called them back and they told me the same think that bank account is closed and that I had to pay for everything that theres nothing that they cant do, Im very disappointed on Wells Fargo customer service and the agent so I still want to receive my {$2500.00} that was stolen this happened before the XXXX holidays I was left with no money and very mad about the situation they told me that they couldnt help.
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Exeter Finance, LLC. (OH)

Since XX/XX/XXXX of last year Exeter Finance has been calling me almost non stop. I've called them multiple times letting them know they have the wrong number, I'm not the one they are looking for, even emailed them and they still continue to call and leave voicemails. I have 140 calls from them in total. This is harassment at this point and I want it to stop. I will attach proof of the 140 missed calls I have from them.
Consumer complaint received 2023-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2023, I sent letters to the credit bureaus requesting that accounts on my credit file be investigated. USPS Tracking numbers for the letters are as followed : ( XXXX, XXXX, XXXX ). After waiting and finally receiving the results of the investigation I noticed that on an updated credit report these accounts were still showing inaccurate information. The credit bureaus stated they did complete investigations, but how is this possible when information on the same account is different amongst the three bureaus? 

XXXX XXXX # XXXX How is this account accurate when the Last Verified, Date of Last Activity, Date Reported, Date Opened, Balance Owed, Closed Date, Account Rating, Last Payment, and Past Due Amount are clearly inaccurate? This is grounds for removal. 

US DEPT of Education # XXXX How is this account accurate when the Last Verified, Date of Last Activity, Date Reported, Date Opened, Last Payment are clearly inaccurate? This is grounds for removal. 

US DEPT of Education # XXXX How is this account accurate when the Last Verified, Date of Last Activity, Date Reported, Date Opened, Last Payment are clearly inaccurate? This is grounds for removal. 

XXXX # XXXX How is this account accurate when the High Balance, Last Verified, Date of Last Activity, Date Reported, Date Opened, Closed Date, and Last Payment are clearly inaccurate? This is grounds for removal. 

XXXX XXXX XXXX # XXXX How is this account accurate when the High Balance, Last Verified, Date of Last Activity, Date Reported, Date Opened, and Last Payment are clearly inaccurate? This is grounds for removal. 

XXXX XXXX XXXX  XXXX The credit bureaus have violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instruction. 

They also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. 

They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) : The law clearly states if items are found inaccurate of can not be verified, the consumer reporting agency shall promptly delete the information from the file of the consumer. 

Attached will be the certified mail receipts, proof of purchase, the letter, XXXX Credit Report, investigation results, XXXX Credit Report.
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Customer ServiceChase Bank Subject XXXX Dispute of Fraudulent Account - [ Your Name ] - Account Number : XXXX Dear Sir/Madam, I am writing to formally dispute a fraudulent account that has been opened in my name. The account number provided to me is XXXX with an outstanding amount of {$490.00}. 
This account was created without my knowledge or consent and is the result of identity theft, which occurred while I was XXXX. Prior to my XXXX, several sensitive documents were stolen from me, including my Drivers License, Passport, wallet, and a storage case containing other sensitive documents. This incident is detailed in the attached police report. 
I have also attached my XXXX orders, which confirm my whereabouts during the time the fraudulent account was created. I returned from XXXX in XXXX of this year. 

Given these circumstances, I request that Chase Bank take the following actions : 1. Immediately close the fraudulent account number XXXX and remove any charges associated with it. 
2. Conduct a thorough investigation to ensure there are no other fraudulent accounts or transactions associated with my name. 
3. Provide written confirmation that the account has been closed and the fraudulent charges have been removed from my credit report. 

Please consider this letter, the attached police report, and my XXXX orders as part of my formal dispute. I appreciate your prompt attention to this matter and expect to receive a resolution within the XXXX period as specified by the Fair Credit Reporting Act ( FCRA ). 

Should you require any additional information or documentation, please do not hesitate to contact me at XXXX or XXXX Thank you for your immediate attention to this serious issue. 

Sincerely, XXXX XXXX XXXX : * Police Report * XXXXXXXX XXXX
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (FL)

On XX/XX/year>, I received an email from Citi Costco Visa Card, hereunder refereed to as ( " the Company '' ), informing me that I would be receiving my earned Costco credit card reward certificate of {$420.00} ; which was supposed to have been issued to me sometime that same month via email. Then on XX/XX/year>, my Citi Costco Visa card account was closed at the company 's discretion with no further explanation given. Up to that point my account with the company was in very good standing, no history of non payment and balances owed had always been paid off timely each month. Often time payments were made way ahead of their due dates. 

Even after the account has been closed, I continue making timely payment that are due each month as my goal is to always pay off what I owe. After waiting several months to receive my {$420.00} rewards certificate that was promised ; I realized it never came. On XX/XX/year>, I decided to contact the company inquired as to why I had not receive my rewards due to me. That was when I was told by the representative that those rewards would NOT be issued to me due to the fact that my account was closed on XX/XX/year>. This news was shocking and seemed very unfair and deceptive to me as a consumer, particularly when I had always been a loyal customer of the company. 

I am not upset of the fact that the company decided to close my account and did not want to provide an explanation as to why. I understand the company have that right and at their own discretion may decide to termination the relationship for any reason at any time. 

However ; the consumer have the right to get back what is owed to them. The reason the {$420.00} rewards were there was because I'd earned them by shopping throughout the year and spending my good earned money fair and square. If the company decided to discontinue the relationship at that point, I would understand any earned credits that month may be forfeited, but to actually forfeit the entire amount is practically unfair and is downright aggressive and abusive. 

All I ask is for the reward that I had earned fair and square to be issued to me during the time while my account was opened and prior to it's closed date of XX/XX/year>. 

Therefore, any assistance the bureau could provide would be greatly appreciated as the authority who can intervene in the matter at this point. 

Sincerely,
Consumer complaint received 2023-05-02
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. (NC)

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXXXXXX XXXXXXXX XXXX XXXX Balance : {$15000.00}
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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
Consumer complaint received 2023-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

These inquiries are fraudulent and not associated with me. I have no knowledge of them. Please take immediate action to address and remove them from my credit report. Supporting documents have been attached for your reference.
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IN)

I deposited a check into my account with Chase Bank. i was advised that the funds were being held for 10 days. I reached out to Chase Bank after making the deposit at a branch and was advised the funds would be available the next day. I checked my account and the funds are not there and that they are being held for 10 days. The check was a settlement check mailed from your establishment. I was also not provided the {$220.00} availability :