davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ZIONS BANCORPORATION (TX)

On  XXXX   XXXX ,   XXXX   I tried to deposit a personal check using  the Amegy mobile p hone app. I never got credit for the deposit. When I called to question an insufficient fund fee charged and asked why I did not get credit for the deposit made, I was told that the deposit was never made. This is the second time this has happened to me where a deposit made using the app is not credited and charged an insufficient fund fee. ( The first time was back in  XXXX    XXXX  . ) Each time I am tol d by Amegy  customer service that it was never made. On  XXXX   XXXX ,   XXXX   I called a branch to try to resolve this issue. I emailed the branch rep a copy the error message given stating the check had already been deposited . ( See attachment. ) It turned out that the check was not accepted because I am the account holder of both accounts and it would be easy for me to float money. Really? When did Amegy become the Float Police? And, why did someone not inform me? I do this type of deposit to and from both thes e accounts all the time using the phone app from both bank accounts. I have lots of reason for having both accounts but the main reason is because you have to have direct deposit to get the account free of charge. Furthermore, there is no way to be able to float a check if posted the same day as these checks clear overnight.     I have proof of several other deposits that have been accepted using the  Amegy m obile app.
Consumer complaint received 2023-06-10
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: Experian Information Solutions Inc. (NC)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-09-23
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (NY)

I tried checking my account the date of XX/XX/ to realize the company had locked my account and I needed to call to get it resolved. I had about {$5300.00} and since it was being saved for my XXXX XXXX I was upset and worried about what would happen to that money. I called that same day XXXX  and was told that my account was closed for reasons they could not explain to me and was told that I would receive a letter explaining why in about 7-10 business days. I asked about the funds that were in my account and how I would be able to get it back, representative told me I would get a check around 7-10 business days as well. It has been past that time frame I am extremely disappointed due to the fact that there was no communication whatsoever and I only had this account open for about a month until it was closed for no reason.
Consumer complaint received 2023-05-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

Validation/Verification Identity Theft 15USC 1681c ( 2 ) 15USC 1681q ( 3 ) permissible purposes these are just a few of Fraudulent Claims. information and requests are attached
Consumer complaint received 2017-05-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have been disputing a  XXXX   XXXX  account on my credit report since   XXXX   XXXX  . I have asked for verification from  XXXX   XXXX  of this negative account that they have reported to credit bureaus,  XXXX , Transunion, and  XXXX . I sent out a letter on   XXXX   XXXX   XXXX  .  XXXX   XXXX  signed for the letter on   XXXX   XXXX   XXXX  . I gave the company 30 days to respond with more information on this account. I did not receive a letter until   XXXX   XXXX   XXXX  . The company is not only reporting inaccurate data but has also broken the FDCPA. I have all documents and dates of the communication between  XXXX   XXXX  and myself. The company has continued to break the law. I have tried communicating with them and they refuse to talk with me. I have sent multiple letters asking for validation on the account. The company is also refusing to send a letter stating that if i do pay this debt they can not guarantee that it will reflect as paid on my credit report. When i asked to speak with a supervisor for this matter, i was told they did not have any on staff.  XXXX   XXXX  has also sent the account to a collection company and when you ask who has ownership of the account, they both point fingers. The company holding the account says they do not report to the credit reporting agencies and when you ask  XXXX  to send a letter asking to update to the credit bureaus once paid, they state that they can not do that.
Consumer complaint received 2023-04-19
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. (NY)

THIS DEBT COLLECTOR GOT MY INFO WITHOUT MY CONSENT AND OPENED A ACCOUNT IN MY NAME. FURTHER, I CERTIFY THAT I AM PERMITTED BY FEDERAL AND STATE LAW TO FILE THIS DISPUTE. I ALSO UNDERSTAND THAT KNOWING AND WILLFUL MISSTATEMENTS OR OMISSIONS OF MATERIAL FACTS CONSTITUTES A FEDERAL CRIMINAL VIOLATION PUNISHABLE UNDER XXXX8 U.S.C. 1001. ADDITIONALLY, THESE MISSTATEMENTS ARE PUNISHABLE AS PERJURY UNDER 18 U.S.C. 1621. THIS ACCOUNT FOUND WITHIN MY CREDIT REPORT ARE NOT RELATED TO ANY TRANSACTION THAT I MADE I AM A LITIGATING 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 SOME ACCOUNTS. ALL IS BEING INVESTIGATED BY THE FTC FURTHERMORE In Accordance with The Fair Credit Reporting Act credit acceptance has violated my rights. 15 USC 1681 Section 602 States I have the rights to privacy. ( they say we cant opt out ) 15 USC 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. ( which they claim they dont need ) 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.

The company Credit Acceptance is currently investigating a car loan that was taken out using my personal information which I have been trying to have removed from my credit report I am filing this complaint to ensure this is taken seriously and this account is thoroughly investigated.I filed a complaint and also called and spoke to a representative by the name of XXXX she advised me to mail back an identity theft affidavit, my ID, and a sheet of paper with my signature written 5 times. I sent the mail to credit acceptance with the requested information as well as a letter requesting that they provide me with proof of my original wet signatures and additional information, original documents signed on the day this alleged account was opened so I could provide as much assistance as possible in investigating how this account was opened I never received any response but my credit report said the dispute was resolved. I contacted the credit bureaus to affirm the account does not belong to me and they said unfortunately they rely on credit Acceptance to complete an investigation and they recommended that I contact the Consumer Financial Protection Bureau.

This whole account was done in a fraudulent way upon review of retail install contract attached to my previous complaint seems the dealership placed in fact that { {$7000.00} } was put down when In fact { {$8000.00} } was put down any money more issue including outrages APR rates I call SCAM. This issues with credit acceptance has been ongoing I would like this tradeline removed immediately.
Consumer complaint received 2017-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (CA)

Used Citibank credit card to rent a car  XXXX / XXXX / XXXX . I was over-charged. I have the receipt to prove it.     I dispute the over-charge  with Citibank. Citibank c losed the dispute on  XXXX / XXXX / XXXX  stating this : " We have attempted to resolve this dispute with the merchant and/or their bank but have not been successful. The merchant refuses to issue credit to your account. They maintain this charge is for a portion of your rental.   We have no further recourse to obtain credit for you. You will need to seek other means to resolve this matter. We have now closed our investigation of this dispute. '' I feel that  Citibank should believe the consumer first. I showed the actual physical receipt showing the proper amount that should be charged. Citibank ap pears to side with companies.
Consumer complaint received 2024-04-21
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. (GA)

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. 

account name : XXXX & XXXX account XXXX account name : XXXX XXXX  XXXX  account number XXXX account name : XXXX XXXX XXXX XXXX account number XXXX account name : XXXX XXXX XXXX account number XXXX XXXX account name : XXXX XXXX XXXX account number : XXXX, has violated my rights. 

15 USC 602A States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish my account without 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, other than records of conviction of crimes which antedates the report by more than 7 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 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX I submitted a complaint to the CFPB in regards to an account listed as XXXX XXXXXXXX XXXX XXXX upon completion of this investigation XX/XX/XXXX it was determined that this account would be removed permanently due to Identity Theft. XX/XX/XXXX I submitted a dispute to TRANSUNION to remove the SAME account listed as XXXX XX/XX/XXXX the dispute had been completed and reflected as NOT CHANGED. This negligence accurately shows me that a complete comprehensive investigation had not been conducted on my behalf! 

The failure to further and fully investigate the matter is outrageous! A comprehensive investigation would reveal I did not apply for any credit would underscore your failure to conduct a thorough inquiry into the matter. 
A violation of 15 USC 1611 has occurred, indicating a breach under the Fair Debt Collection Practices Act ( FDCPA ) with criminal liability for willful and knowing violations. 

Section 1692K of the FDCPA imposes civil liability for violations, emphasizing the importance of fair debt collection practices. Additionally, Section 1681 highlights the significance of accurate credit reporting in maintaining the efficiency of the banking system, while Section 812 prohibits the creation of false beliefs regarding debt collection involvement. For violations such as failure to validate a debt and continued reporting to credit bureaus, the Consumer Protection under the FDCPA affords potential fines as follows : *FDCPA Section 809 ( b ) and FTC opinion letter Case from XXXX : Fine of {$1000.00}. 

*Defamation, financial injury- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Fine of {$5000.00} or the extent of damages incurred by the wronged party as determined by the courts. 

* Defamation, willful injury - FCRA Section XXXX XXXX XXXX TRANSUNION XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX ( XXXX XXXX. XXXX ) : Fine of {$5000.00} or the extent of damages incurred by the wronged party as determined by the courts.
Consumer complaint received 2017-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

Hi, I am complaining abou t the Paypal Credit Co. For almost 5 months now, they have been charging me late fees of {$35.00} repeatedly when  I already enrolled in a debt management program.     They have been delaying the acceptance of this program yet receiving the money that they send.     First, they said I need to send a letter to let them/allow them to call me or contact me because I refused their call back in  XXXX    XXXX  , when they repeatedly called my office. But then I sent a letter to allow them to contact me on my cellphone.     Second, they ask me to send a letter with my signature on it, that I am enrolled/ allowing the  XXXX   XXXX  to send my payments. Last  XXXX , I sent them that letter and now it 's  XXXX , they again asked me to send this authorization. I contacted them again regarding this & will send again this authorization & I also advised them that I will file a complain regarding their company with the Consumer Financial Protection Bureau.     Still, the {$35.00} late fees keeps incurring in my account thus minimizing my monthly payments.     They are inefficient in processing this papers & thus keeping me under debt.   Please help me make this company responsible for their actions.     Thank you.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2017-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (NC)

Chase contacted me by letter asking me to call a number I had never seen before to avoid having my account closed, which seemed suspicious to me. I called the number on the back of my card instead and was connected to several different people who spoke English poorly and were difficult to understand. None of them would properly identify themselves. I called  Chase executive  office and spoke to person who told me my account had already been closed. I asked her explain why and she said she would have to open a case and have someone get back in touch with me. She told me I would hear back from someone within 24 hours. I logged into my account on line and had a notice indicating I needed to contact Chase by   XXXX   XXXX   to avoid having my account closed ( the initial letter said I needed to contact them by   XXXX   XXXX   ) and that there was a secure message available that would explain. There was no secure message available. I called the executive office 2 days after the first time since they had not contacted me within  24  hours as they had promised. The woman I spoke with informed me they would record my call, but refused me permission when I indicated I also wanted to record the call. She was able to find that a case had been opened but had no information in it, including which account I was contacting them about. She transferred me to a "  specialist  '' who did not have any information to give me and said I had been informed wrong about when to expect a response - that I should have been told  24 - 48  " business hours '', which she explained was actually  3 - 6  business days. She put me on hold numerous times, then told me she would get back to me after she researched the case and would not give me any idea as to how long that would take. At this point I have no idea as to whether my account is open or why they would want to close it. It is not in any way delinquent.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXXXX XXXX : {$0.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-09-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sezzle Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XX/XX/2022 ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( REF. ) : Sezzle Account Ending In XXXX YOU BROKE THE LAW & ARE IN VIOLATION OF THE FDCPA Pursuant to 15 usc 1692 c ( a ), you must have my direct consent and written instruction to contact me in connection of debt collection. NEVER! Did I give such consent or instruction. Also, Id like to make it explicitly clear that ALL debts are ALLEGED Pursuant to 15 usc 1692 ( a ) ( 5 ). Therefore, telling a Natural Person they owe anything is a direct violation of federal law according to the FDCPA! Also, NEVER was I provided with the 5 things that are REQUIRED under Federal Law in connection with collection of this alleged debt, Pursuant to 15 usc 1692 g ( a ) 1-5 after your initial communication. 

Id also like to point out the use of the term loan, this term is not defined anywhere under Federal Law! So why is XXXX XXXX using such terms? It is illegal and highly unethical to use terms that will mislead the consumer. I must understand every credit transaction & XXXX XXXX has yet to provide such clarity. Making any loan null and void According to XXXX XXXX they received my private personal identifying information from Sezzle Inc. NEVER! Did I give Sezzle, such authorization or written instruction to communicate to a third party my private information or be contacted by said third party Pursuant to 15 usc 1692 ( c ) ( a ). I have a right to privacy! Which both parties are in violation of those rights. Since I did not give XXXX XXXX my private identifying information directly, I will be treating this as Identity Theft which is illegal Pursuant to Federal Law! Pursuant to 15 usc 1692 ( j ) it is also a violation of the FDCPA to furnish certain deceptive forms to create the false impression anyone, but the creditor is participating in the collection of a debt. This is apparent when continuing to coerce me to make payment payable to XXXX XXXX who I NEVER did business with nor whom was present for said alleged obligation. 

It is becoming abundantly clear of XXXX XXXX gross negligence in complying with Federal Law. All debt collectors must comply with the FDCPA and are liable for All violations pursuant 15 usc 1692 K! 

XXXX XXXX has violated my federally protected rights and are liable for said violations In the amount of {$5000.00}! I expect a check be sent to the abovementioned name and address you have on file in the amount of {$5000.00} no later than 7 days after receiving these communications & all communications with me going forward shall cease and desist. The account you have in my name be deleted and any obligations be Zeroed Out completely. If I do not receive my check & deletion of all alleged obligations. I will use every resource available to me to collect remedy not limited to Federal & State Court. 

Attached is an invoice payable to my name. 


Kind Regards XXXX XXXX Without Prejudice, ALL Natural Inalienable Rights Reserved
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On my Credit Report, I saw a collection account from a debt collector acting on behalf XXXX XXXX XXXX. I was able to retrieve the lease which was active at a time. I had my own lease with a different leasing company. Also, the email used to sign for the lease is not mine either. I wrote to the debt collector who has not responded and refuses to remove this debt off my credit report. I reminded them it is illegal to report accounts on my credit report for which isn't mine. XXXX, Transunion, and XXXX have not responded to my disputes and requests for the account to be removed off my credit report.