davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (NJ)

I have submitted several different complaints that has not been addressed accurately. Complaint number ( s ) are as follows : TD Bank N.A XXXX XXXX XXXX I am the beneficiary and surety of this account and I have equitable interest. The company violated the Fair Credit Reporting Act by failing in numerous instances to assure subornation and recovery against the reporting agencies for frivolous reporting. They failed to ensure the accuracy of information reported to credit bureaus, leading to frivolous filings and inaccurate reports. This resulted in harm to my credit score, including denials of credit, higher interest rates, and reappearing late payments. Additionally, the company included unrecognized inquiries, concealed false information, and repeatedly reported inaccurate details. Their failure to maintain accurate public records made things even worse. Inaccurate and duplicated information, along with illegally listing charge-offs as income ( which should be reported to the IRS ) , and derogatory statements stemming from their inaccurate reporting, all significantly damaged my credit rating. To top it off, the company 's failure to disclose the source of inaccurate information from third-party vendors left me with no way to identify the source of the errors.
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (DC)

When I tried transferring my rewards to XXXX in XXXX of this year, I was told I could not do it because my name did not match the name on my XXXX XXXX  account. 

My legal name ( XXXX XXXX XXXX XXXX XXXX ) exceeds the character limit that Chase has and the company kept cutting my name off for their record keeping ( XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX ). I submitted all the documents necessary starting on XX/XX/XXXX and filed a complaint with the OCC on that same date.

I continued calling several times. I called on XX/XX/XXXX again and was told that my name had been changed but the name on the rewards account had not. I was not given a timeline on when this would be changing. No other communication was provided. 

I asked if the transfer could be overridden and approved on their end so that this would not happen again, and that request was denied. I was only told they would send me a letter with a response and was not given a timeline for that either.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (VA)

On XX/XX/XXXX I notice there was a charge of {$920.00} on XX/XX/XXXX says then another charge of {$1300.00} on XXXX XXXX {$820.00} on XX/XX/XXXX also says Card payment from Secure Account on a Virtual Card ending in XXXX. I found out that Chime reopen a virtual card in my name ending XXXX card. and Taking money from my direct deposit for the month and add the total to this Virtual Card. this card was closed XX/XX/XXXX. Chime re-open this Virtual Card without my permission. Once you receive your physical card the virtual card is no longer active. I received my new card XX/XX/XXXX. I have been in touch with Chime and the refuse to help me. They can't answer my question. As of today, I don't know if the card has discontinued. They hang up the phone on my face and will not report this issue. Now what card are they going to use now?
Consumer complaint received 2024-05-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Abra ()

Abra ( Abra XXXX ) is a crypto custody app or service. It is still possible to download its app through the XXXX XXXX XXXX or XXXX XXXX XXXX. 

Abra abruptly took all my XXXX tokens without any announcement. XXXX is a native token of Abra that Abra has sold to users and distributed interest to users who deposit funds into the Abra XXXX service ( called XXXX inside the Abra app ). Abra has promised many times to list its token CPRX on major exchanges, tweeting comments like " Something big is coming ... ''. However, XXXX has not been listed on any major exchanges and was even delisted from an exchange. At the end of 2023, Abra took all my XXXX balance and has not provided any explanation or responded to my questions. Abra has blocked most communication channels. The only way to communicate is through web browser chat, but even though I have asked many questions, only an auto-reply bot has responded with meaningless replies. 

Abra 's XXXX ( @ XXXX ) account is still active. The founder and CEO of Abra, XXXX XXXX ( @ billbarX ), is also active but has not responded to these criminal actions and has blocked many users who have criticized these crimes. XXXX XXXX announced the move of Abra XXXX XXXX to Texas and mentioned that they are trying to support Texas residents who use Abra. I strongly suspect that he intentionally moved the XXXX to Texas to avoid criminal accusations. 
And as far as I check, Abra and XXXX deleted many tweets that XXXX show how and what they promised and how cheated users. 

- **XXXX  XXXX, XXXX : Abra took all my XXXX ( XXXX XXXX ) from my Abra account, which was worth around {$20000.00} at the time of purchase. 
- **XXXX  XXXX, XXXX : I asked Abra through web chat why they took my balance and where they took it, but only received meaningless auto-reply bot responses. 
- **XXXX  XXXX, XXXX : I asked again through web chat, but again received no response except for the auto-bot replies. 
- **XXXX  XXXX, XXXX : I asked Abra again XXXX sending my email address. There was no response except for the bot 's automatic, meaningless replies. 
- **XXXX XXXX, XXXX : Confirmed I have not received any response from Abra and XXXX to submit this case to the CFPB.
Consumer complaint received 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (IN)

Elan credit card I paid off the card and disputed the amount I owed and then the company said it investigated it and it did not accurately do so. It showed two months prior amount, not the month of the dispute. What a poor way of correcting the issue and showing two months prior statement. Thanks for not being accurate!
Consumer complaint received 2023-11-17
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: EQUIFAX, INC. (NY)

I have information that I do not want on my report because it does not belong to me and it affects my credit too much. I want it to be reviewed and deleted. 


XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-01
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. (OH)

This is my THIRD DISPUTE regarding the same accounts that are fraudulent and does not belong to me and still showing on my credit reports The accounts need to be deleted from my credit report immediately. Once again this is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ARVEST BANK GROUP, INC. (MO)

I have been disputing the inaccurate reporting to XXXX since XX/XX/year>. I received a letter stating that the case was investigated by Arvest and they determined it was fraud thus, removing the charges and fees.However, XXXX refuses to remove the unpaid item which is causing undue stress and emotional damage because, I was turned down from XXXX XXXX XXXX XXXX due to XXXX inaccurate reporting. Arvest has already sent a letter stating the charges were reversed, and the investigation was final. However, XXXX sent a letter explaining the charges are accurate and will remain on my report! If Arvest has made the correct adjustments, why hasn't XXXX done the same? XXXX is refusing to remove the inaccurate information. therefore, I will be pursuing legal action against XXXX as well as notifying the California State Attorney General 's office. It is illegal to report inaccurate information on someones report, especially if it is due to fraud. The State of California, my permanent residence state has informed me that it is a crime for a company to report inaccurate information on a consumers report if it is fraudulent and causes adverse actions upon the reportee. This will be my third complaint filed against this company for the same reason. They refuse to abide by the law and remove the false fraudulent information, so again I am opening another complaint with CFPB. Please see attachments for details and letter from the financial institution explaining that the charges were indeed fraudulent in nature, thus they have removed them and issued a credit where a credit is due. So why is XXXX still reporting this inaccurate information. Please rectify this right away, It is causing me undue harm, stress, emotional and physical trauma, and financial hardship. Because, of this reporting I was denied opening a checking account at XXXX XXXX XXXX where my car is financed, and charged fees due to not having a checking account to make my monthly payments.
Consumer complaint received 2021-01-04
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: Experian Information Solutions Inc. (NY)

EXPERIAN, XXXX, AND XXXX  ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS
Consumer complaint received 2024-05-17
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA (CA)

XXXX I attempted to transfer {$85000.00} out of a joint savings account I own with my XXXX XXXX XXXX mother ( who recently just became a widow ) to our linked external account. 

XXXX Marcus by Goldman Sachs reversed the {$85000.00} transfer citing security reasons and locked our account. 

XXXX After hours on the phone with Marcus representatives they said they would close the account and transfer our balance of {$130000.00} + interest to our linked external account. 

XXXX The account is still not closed so I contacted Marcus again with my mom on the line. And after hours on the phone with them trying to get us authenticated they said they have closed the account and transferred {$130000.00} to my linked external account. 

-XXXX Marcus reversed the {$130000.00} transfer and locked our account again. Once again my mom and I spent hours on the phone trying to find out why only to get the run around that they now can't authenticate us so they don't have access to our account. They want us to wait 7 business days for a specialist to call us for the next step.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (TX)

The reporting of the account from XXXX XXXX XXXX XXXX XXXXXXXX AT {$1000.00} LISTED AS XXXX XXXX XXXX. Is affecting me by reporting negatively on my consumer report and disallowing me the ability to use my positive history to obtain stability. This Account was XXXX XXXX XXXXXXXX and paid. So now it's in VIOLATION OF MY CONSUMER RIGHTS UNDER 15 U.S.C 1681 ( e ) ( b ) and SECTION 604 15 U.S.C 1681b. 
Which also allowed the XXXX XXXX XXXX XXXX, XXXX, AND XXXX TO COMPROMISE MY IDENITITY. I DID NOT UNDER ANY CIRCUMSTANCE GIVE MY PERMISSION FOR THIS ACCOUNT TO BE FURNISHED ON MY CONSUMER REPORT IN THIS MANNER!! WHICH IS ALSO A VIOLATION OF MY RIGHTS UNDER 15 U.S.C. 1681c2. 
I WILL PURSUE THE FULL LENGTHS OFTHE LAW UNDER XXXX XXXX FOR WILLINGLY AND KNOWING VOLATING THE LAW!
Consumer complaint received 2023-06-19
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

The No Disclosure Without Consent Rule No agency shall disclose any records by any means of communication to any person, or another agency, except under a written request by or the record pertains a subject to 12 exception 5usc Section 552 a b. Under the Privacy Act Disclosure provision, agencies generally are prohibited from disclosing records by any means of communication written, oral, electronic, or mechanical without the written consent of the individual subject to twelve exemptions USAA I have sent in several disputes to your agencies and CEO to fix the error that you have been reporting on my credit file there should be no more time given to fix this! You violate copyright infringement if you do not stop reporting on my consumer report and correct and remove all derogatory information by deleting all information permanently I will take you to federal court and sue you for XXXX.
Consumer complaint received 2024-05-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (CA)

During a recent credit report check, I discovered the presence of a company called " National Credit Adjusters '' on my report. As I am not familiar with this entity, nor have any knowledge of their services, I found it concerning that an account was opened in my name by them in XXXX of XXXX. This information is perplexing to me and I would appreciate clarification on the identity and purpose of this company.
Consumer complaint received 2024-05-15
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (CO)

I made a {$90.00} purchase on XXXX on XX/XX/2024 from the XXXX XXXX XXXX, the merchant sent me a messaged XXXX days later stating due to advertising error they will not be shipping my purchase. I contact Paypal Netspend to file a chargeback. XXXX months later dispute finally closed finding in favor of the merchant even after providing proof they haven't shipped my purchase and have no intention of doing so. Paypal Netspend tells me my claim is denied because there was no error made during the transaction. What about buyer protection against fraud? They told me sorry about my luck and contact the merchant. I contact XXXX they told me the money is frozen by the chargeback otherwise they would refund me. I'm out {$90.00} with no explanation as to why. Other than Paypal Netspend probably kept the money from the chargeback and denied my claim.
Consumer complaint received 2024-05-17
Product: Credit 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: WELLS FARGO & COMPANY (CA)

WellsFargo Bank sent a card on XX/XX/year> as a replacement to the existing card that was set to expire in XX/XX/year>. This new/replacement credit card never arrived in my mailbox. On XX/XX/XXXX, I noticed multiple transactions on my card that happened between XX/XX/XXXX and XX/XX/XXXX. I immediately called the bank and informed that credit card has fraudulent transactions of purchases, online payments and cash withdrawals. None of these transactions are done by me. Bank agent did acknowledge that card is compromised and logged the case for further investigation. We were told that we will hear back in XXXX  days. On XX/XX/XXXX, Bank sent a letter saying that transactions are valid and closed the case. 
We called the fraud claim department and got the case reopened and provided bank with Police case number that we got registered. Also, we did inform bank that lately there had been mail theft issue in and around the community. After the XXXX round of investigation, bank again sent a letter to us informing that transactions are valid, and asked us to pay {$14000.00}. On XX/XX/XXXX, again called the bank XXXX department and requested to reopen the case. While going over the case with us, the agent confirmed that all transactions are done by the card that we never got. It is a clear case of theft and forgery. Bank asked us to provide additional information as evidence such as Mobile/Telephone bill showing our location ( this we provided along with other evidence too. All of this is attached here as well. ) XXXX XXXX concern is that a ) WHO/how the replacement card got stolen b ) How was the card activated? c ) WHY bank did not have any alert mechanism activated and allowed multiple huge transactions in XXXX weeks ( my purchase pattern had been only few XXXX dollars each month for last many years since I had the card ). d ) When we never got the card, why bank is making us liable to pay. Bank can easily verify the card that was used for transactions with its expiration date and other details. It can also identify the location, mechanism and other details that was used to activate the card. The transaction on card is done across the country where as I have been at my home throughout the duration when theft happened. ( I have attached mobile bills as evidence. I have attached multiple other evidence as well ) BANK is NOT doing its due diligence to identify theft and ASKING me to pay this huge amount for no fault of mine. I have been a customer with Wells Fargo bank for last XXXX years and have been using its credit card for last multiple years.
Consumer complaint received 2024-05-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (CA)

I took out a credit card with Commenity Capital Bank for Sephora. I paid off the full balance of {$310.00} on XX/XX/22. They charged me 2x for the same amount. I can provide bank statements to prove they charged me. When I called and told them I was charged 2x they said they would refund me. They refunded me the money 2 months later but said I owed them for returning my money and will be charged fees. I called customer service repeatedly and was told they closed and sold the account on XXXX XXXX to a third party and to contact them. I called the Collector and they provided me with no contact information so that I may have my attorney send them a letter of representation. The customer service rep refused to give me any further information.
Consumer complaint received 2024-05-17
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: CAINE & WEINER COMPANY, INC. (FL)

I am requesting the immediate removal of the account from XXXX XXXX XXXX ; Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX ; Creditor Class - Rental/Leasing ; Original Creditor - XXXX XXXX XXXXXXXX ; Amount - {$7400.00} ; This unverifiable item is in clear violation of FCRA Section 611 a ) ( 1 ) ( A ). I expect this to be done in 30 days from the receipt of this complaint, as stipulated by FCRA 623 ( a ) ( 8 ). Failure to comply within the specified timeframe will be considered willful non compliance, subject to legal consequences. Additionally I want to make it clear that any action taken by XXXX XXXX XXXX besides deleting the collection will be considered non-compliance. I am invoking my rights under 15 US Code 1681b ( 2 ) AND I am giving clear instructions to furnish my report and delete the collectio. Failure to adhere to these instructions will result in further legal action. Moreover I insist on XXXX XXXX providing written document that provesI, as the consumer have granted explicit permission for your agency to access my consumer file. The failure to obtain consent is a direct violation of FCRA seCTION 604 ( a ) ( XXXX  ) ( A ). This correspondence serves as a formal notice of violations, and I expect prompt action to remedy these breaches of federal and state laws.
Consumer complaint received 2024-05-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (FL)

This is NOT my debt I dont own this debt neither do I claim it. I have no knowledge of it, Theres been MULTIPLE disputes and deletions off my report due to inaccuracies. 

Theres been no Validation of debt proving that this is my debt, Not a bill. But a contract and a wet signature or something substantial validating and proving this is my debt. Its illegal to keep reporting a debt that isnt validated. 
Multiple FCRA laws are being violated. 

If you cant properly VALIDATE this is MY debt DELETE it from my report ASAP or legal actions WILL be taken.
Consumer complaint received 2024-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (CA)

End of XXXX I notified tax XXXX I was not receiving the homeowners exemption I was to receive. It was rectified and they went back XXXX XXXXears and submitted a reimbursement. XXXX XXXX advised they sent to New Rez a check XXXX XXXX, dated XX/XX/XXXX, in the amount of {$8200.00} for multiple parcels including mine, check was cashed on XX/XX/XXXX. My refunded amount was {$240.00}. I contacted New Rez XX/XX/XXXX regarding this refund and was told they were requesting the information and I should hear a response by XX/XX/XXXX. Called XX/XX/XXXX and was told they were going to contact the XXXX XXXX and I should hear around XX/XX/XXXX or sooner. On XXXX called New Rez and talked to the escalation team and was told they saw my refund amount and was going to check with the refunds department. I should hear back by the end of the week or by beginning of week XX/XX/XXXX. XX/XX/XXXX called New Rez and was told they didn't see any action on it and I should call back in XXXX weeks. They have had my money since XXXX and I'm stilling waiting for them to refund it. I am in the process of cancelling my escrow account as they refunded {$1000.00} because I had to much in it ( I make extra payments to ensure I'm covered ), but then said my house payment was going up because I would not have enough in my impound to cover my tax and insurance! I think I can manage it better than that and pay this on my own. Please help!