davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-06
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 (FL)

On XX/XX/XXXX, Venmo suspended my account after I bought and sold XXXX ( {$40.00} worth ). They asked for a photo of my ID which I provided and I was told it would be released in 3-5 days. Then they said it was escalated to an account specialist and it would be released a few days ago. They said the account specialist has no phone number and can only be contacted by email but this person never responds to any messages. I have my family 's grocery money in this account ( {$300.00} ) and I really need to access this. I've been in contact with support chat many times but they say there's nothing they can do. I have no idea how to get my money and they won't help me
Consumer complaint received 2023-04-07
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: OneMain Finance Corporation (NY)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 U.S.C 1681 Section 602 states I have the right to privacy. 15 U.S.C 1681 Section 604a section 2, also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) is mailed or delivered to the consumer not later than 21 days before the payment due date. The A accounts listed below are in violation of the law ; 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 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Harley Davidson Financial Services Inc (MD)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful mis-statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I demand you to delete fraudulent account now.
Consumer complaint received 2019-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

On Tuesday, XX/XX/XXXX Capital One contacted me to report that a fraudulent charge was put onto my account. They said they would send a new card to my address ; however, they sent the new card to an address in XXXX. I live in XXXX. The person who received the new credit card immediately used it to make about {$9000.00} in purchases at a XXXX in XXXX, XXXX. We reported this situation immediately on Saturday, XX/XX/XXXX. At that time, the representative said we would be sent a new card and that the fraudulent charges were pending and would probably not be processed. However, they were processed. It's Tuesday, XX/XX/XXXX. We have not received our new card and the fraudulent charges are still on our account. A representative I spoke with at the company said it could take between two to three days to clear this up, but it could also take anywhere between 30 to 90 days to clear up. This is not acceptable. We need our credit card -- just as most people do -- to make daily purchases. 

Capital One is entirely at fault in this matter. Whatever verification process they use failed. I've had this account for over 20 years, yet they sent a credit card to the wrong address. Once the card was received, it was used immediately. Not only does this feel like a mistake, it's beginning to feel like a crime was committed by employees at the company. My wife and I have experienced extreme stress due to this situation. Whatever you can do to hep us would be appreciated.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Aldous & Associates, PLLC (NY)

The company ALDOUS AND ASSOCIATES I had a payment debt with them that I paid on XX/XX/year>. I have my payment receipts of XXXX dollars and XXXX dollars. It turns out that they have just put that same debt in the collection again where I no longer I have a debt with them, even when I call they tell me that I have no debt and when I request they talk to a supervisor they speak badly to me and they close the phone I need to solve this as quickly as possible please
Consumer complaint received 2024-07-31
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: Experian Information Solutions Inc. (VA)

I have noticed unauthorized inquiries on my credit report that I do not recognize and would like to have them removed. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

I am formally challenging you to review the data on file for me and ensure that it is accurate and up-to-date. I am citing the Fair Credit Reporting Act ( FCRA ) section 611 as well as Metro 2 compliance standards in doing so. Any inaccuracies or deficiencies in the reporting must be corrected immediately. My credit report needs to be accurate and complete, so please follow these standards to ensure that you are meeting deadlines and maintaining accuracy. The information in my profile is wrong and it needs to be fixed immediately. Thank you for taking action to resolve this. 
Below is a summary of the data in which I am challenging : Personal Information for Experian NAME : XXXX XXXX XXXX XXXX Can you please delete any records in your system where my name is not exactly XXXX XXXX XXXX XXXX 
This will ensure that the database has accurate information about me. 
CURRENT ADDRESS : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Please delete any address in your system that does not match mine. I want to make sure the database has accurate information about me, so it will help with future transactions if you can get rid of any address in your system that does not match my address of XXXX XXXX XXXX XXXX XXXX, TN XXXX In appreciation According to the law, you and data furnishers must certify all aspects of required FCRA/Metro 2 compliance. This must be done in a truthful, correct manner that is complete as well timely so it does not violate my consumer rights or civil freedoms! 
XXXX XXXX XXXX
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (AZ)

I have paid off Westlake Financial Auto loan on XX/XX/year>, as of XX/XX/year> it still shows that I owe {$11000.00} on this car loan, which is incorrect. 
I would like Westlake Firancial to UPDATE that this loan is paid off, since it prevents me from qualifying for another auto loan ( have already waited for more than one month for this update ) On the phone their rep told me it would take 90 days for them to report an update... I need my credit report information updated as soon as possible.
Consumer complaint received 2024-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (NJ)

We have a joint checking account with Wells Fargo. It was subject to check fraud. We had written a {$500.00} check in XXXX to an XXXX  company. This check was never cashed by the company. On XX/XX/XXXX, that numbered check ( written for {$500.00} ) was deposited and cashed for {$2500.00} by XXXX XXXX. That same numbered check was deposited and cashed by XXXX XXXX on XX/XX/XXXX for another {$2500.00}. We did not see that these checks had been cashed. 

Subsequently, on XX/XX/XXXX Wells Fargo called us about a {$900.00} check ( using a different check number ) that was trying to be deposited with a bank in XXXX. We told them we didnt know anything about that check. They did not honor it. After reviewing our account, we filed a claim with Wells about the two other checks that were cashed fraudulently on XX/XX/XXXX and XX/XX/XXXX. They have sent us a letter saying since we did not report the first fraudulent check within 30 days of the statement, they are not going to reimburse our funds, even though they verified we had not written any of these checks.
Consumer complaint received 2024-05-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (PA)

I have been a customer of Wells Fargo for years, dating back from XXXXThe following accounts consisted of ; Wells Fargo Savings XXXX Credit Card XXXX Check account XXXX I have been a victim of their unfair practices with being charged overdraft fees on my debit and ATM withdrawals, as well as had money unfairly " frozen '' from my accounts as well as having products added to my account like credit monitoring service that I did not approve. I have contacted Wells Fargo many times throughout the years but have not received any help regarding this matter. I am eligible for the payout and I have not been contacted or received help from any of the representatives when I call the toll number. This has caused me some much stress and XXXX I just want the company to make this right as they have stated on their website but they has yet to do so.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am submitting this complaint personally regarding late payments appearing on my credit record. Upon examining my files, I discovered these late payment entries. I sent correspondence about this issue over 30 days ago, but have received no reply, nor have I been provided with adequate validation. I request your help in addressing this matter swiftly and effectively.
Consumer complaint received 2023-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (CT)

I submitted Complaint XXXX ( summarized below ). Citi provided a response. However, their suggested instructions did not resolve the issue and were in conflict with the information the customer care representatives had. 

Complaint XXXX : I have a Citi Double Cash credit card that I've had for several years and use Citi 's accompanying ThankYou Points. Initially, when Citi introduced their " Shop with Points '' option, I chose to link XXXX to my Shop with Points/ThankYou Rewards account. Now I would like to unenroll from Shop with Point and to remove XXXX from my ThankYou Rewards account. On the ThankYou Points website, it says, " To unlink an account, visit that partner website directly. '' I called XXXX XXXX XXXX on XX/XX/XXXX and the representative checked with her manager and then told me that neither of them had any information about this and suggested I call Citi. When I called Citi later on XX/XX/XXXX, I spoke with a representative and then his manager, who told me that there is no way to unlink my ThankYou Rewards and XXXX account apart from cancelling my ThankYou Rewards account completely. The manager told me that even if I were a brand new Citi customer and used my credit card at XXXX, my Citi ThankYou Rewards information would automatically be shared with XXXX and there is no way she or I can prevent that. 

I got a response from Citi on XX/XX/XXXX where they said, " As it states in the Citi ThankYou Rewards Terms & Conditions... if you were automatically enrolled or if you self-registered to Shop with Points, you would have received an email from that respective partner confirming the registration or enrollment and directions on how to de-enroll. '' This seemed like helpful information, so I found the email I received on XX/XX/XXXX that said my ThankYou Member Account had been linked with XXXX. In that email, there were no directions on how to de-enroll ( in direct contradiction to Citi 's CFPB response ). The only potentially useful information was the ThankYou Service Center phone number. I called the ThankYou Service Center on XX/XX/XXXX and ( like my call on XX/XX/XXXX ) the representative told me that there is no way to unlink my ThankYou Rewards and XXXX account.
Consumer complaint received 2024-07-31
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. (PA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit reports within four ( 4 ) business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). I appreciate the assistance in this very important matter.
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am applying for a credit card XX/XX/XXXX, which I was approved for. On XX/XX/XXXX they indicated that I had 90 days to spend {$1000.00} to get {$200.00}. However the credit card does not arrive for over XXXX weeks so I cant use the credit card until its activated. I can not activate the card until I get it, so its really XXXX months and XXXX weeks not 90 days I have to spend {$1000.00}? XXXX this is misleading. My question to you is it responsible lending? As of this filing, I still do not have the credit card so I can not fulfill the XXXX dollars yet. When I called customer service, I asked will the 90 days be extended when I received the card and they indicated no. I understand they will not know when I receive the card but if they say in their email, it will take this amount of time to receive the card. Should they factor that into the 90 days?
Consumer complaint received 2024-07-31
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. (CA)

" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. ''
Consumer complaint received 2024-05-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CapitalJ Inc. dba Juno (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Checking Balance in Account- XXXX XXXX  This Juno financial institution told me that my amount is secured under XXXX XXXX  , I am a XXXX and needed this money for education perspective, now cant even withdraw these funds from my account as all services are blocked such as ACH transfer. I spoke with customer chat agent, they told me they cant do anything and asked me to be patient. Please help as my money is trapped with Juno XXXX XXXX XXXX XXXX XXXX a financial organisation
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Maximus Federal Services, Inc. (VA)

I am writing to file a formal complaint regarding a collection account labeled DEPT OF ED/AIDVANTAGE Account Number : XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX  that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Consumer complaint received 2016-08-10
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Oracle Financial Group LLC. (NY)

This company called my work place. The gentlemen, XXXX XXXX, did not know he was speaking with me and gave out my personal information. Insisited on speaking with me and and would not hang up unless they spoke to the CEO of the company. I took down the information and called back. He was again threatened me with court and coming to my work and embarrassing me with a citation. Also, said that I was going to go to jail for stolen goods. I asked to speak to the supervisor to file a complaint and the supervisor, XXXX, said he would listen to the recording and reprimand and have him fired. Then the supervisor threatened me with attorneys and a citation at my work. I told them they are not to contact me at work or go to my work. I offered a payment arrangement as I have had in the past to the company and past collectors and they refused stating not enough money and they would pursue through legal system and come to my work. These gentlemen have threatened me and now I am unable to stop shaking and I am afraid I will lose my job & gt ;
Consumer complaint received 2024-07-31
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. (CA)

" 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 2024-05-18
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CO)

I did no agree to or purchase the add-on XXXX XXXX It did not show up on earlier statements. I also went through a couple of months where they were making corrections to my account and just noticed the add on charge. I did not agree to the add-on and want the funds refunded.
Consumer complaint received 2024-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX NJ XXXX Dear : XXXX XXXX Subject : XXXX XXXX XXXX XXXX XXXX SS : XXXX Account Number : XXXX Thank you for reading my request about this account with your company. I am writing today because during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with XXXX XXXX XXXX, XXXX. And although this account is not mine, and I have disputed the validity of I have not receive proof of this debt been mine, I do have an account with you but it's up to date. 
I move to this location a little less than XXXX  year ago, a new account was open and is been pay in timely manner. 

I am requesting that your company please forward me : A copy of the 1099-C that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}. 
Please forward me my full payment history until the debt was written off with your company. 
Please send me a copy of the terms and conditions at the time of charge off. 

Thanks in advance. 

XXXX XXXX XXXX XXXX XX/XX/year>