davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2023, I was scammed by a consumer who had stolen someone else 's credit card and used it to purchase {$1100.00} in massage services from my massage clinic. He added a {$870.00} " driver tip '' to the bill, making it a total of a {$2000.00} credit card payment to my business. He then told me the {$870.00} was meant for the driver, and asked if I could XXXX his driver the money. I promptly sent the money to the email address he provided via XXXX, since it was his request and his money... However, it seemed a bit suspect, so I looked up the owner of the credit card and called him and asked him if indeed he was the one making the purchases, to which he said he wasn't. Upon learning it was a scam, I called his bank to inform him as well. 

While the bank did create a chargeback for the {$2000.00}, unfortunately Wells Fargo would not return the {$870.00} I sent via XXXX, as part of this same.
Consumer complaint received 2024-02-01
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I took my XXXX  to the dealership with a problem with the engine.The owner XXXX was supposed to fix my XXXX. The dealership had my car over a month. I called XXXX ask him about my XXXX  he told me Credit Acceptance repoed my XXXX  at that time. XX/XX/XXXX I only owed one  month total XXXX for current and past due XXXX total XXXX I still have my statement. The owner XXXX sold me another XXXX XXXX XXXX at that time I needed a car. I thought my XXXX  was repoed.I and my husband wanted to buy another vehicle and still get my XXXX back. I called Credit Acceptance about paying the full balance and getting my car back the receptionist said we never repoed your XXXX  vehicle should be in my possession. I called XXXX asking where my car was my car wasn't repoed. XXXX claimed he didn't know until I called the police.The police came than he finally said my car was at the junkyard in XXXX XXXX XXXX. I called them they said the never received a XXXX XXXX. Months later I received a letter from debit collector owing over XXXX includes lawyer fees.The balance left on the car was XXXX for a vehicle I don't have.I still don't know where my car is.This is the first I ever went through this!! I been paying debit collector monies with interest every month since a XXXX was filed with the courts XXXX. Whenever I go through hard times couldn't pay they will take me to court trying to garnish my paycheck. XXXX XXXX lied about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they took my car without my permission. I only owed one month for total XXXX my current payment total XXXX was due XXXX the owner had XXXX XXXX write false statement about no interest as customer was behind in payments my car was crushed XX/XX/XXXX. I didn't have no knowledge about this information until I called the cops.
Consumer complaint received 2024-02-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MO)

I have been a USAA member since XXXX. I left USAA a couple years ago for failure to stay current with banking standards, and their antiquated online bill pay. 

XX/XX/XXXX I had a long conversations with a USAA customer service rep inquiring if USAA had improved and made current practice their antiquated on line bill pay platform. 

I was assured changes had been made and I would successful paying my merchants and bills without problems. 

Unfortunately, USAA continues with their same antiquated platform of sending checks through the XXXX. THE XXXX that rarely to never delivers mail on time! 

My payments delieverd via XXXX have never been paid by selected delivery date. I started sending payment XXXX weeks early. And still, payments are not received by due date. 

At the top of every paper check is a message : PLEASE DIRECT ANY QUESTIONS TO ( XXXX ) XXXX THE ONLIE BILL PAYMENT PROCESSING CENTER to ask WHY ARE THIS BILLS NOT PAID EFT?? 

After 3 months, I to date, have not received an appropriate update to my bill pay profile. BUT here 's what I know : USAA XXXX XXXX hired, XXXX, a global XXXX and payment company, to operate and pay USAA members bills online. 

I have called since XXXX complaining that my bill payments are NOT being posted by bill due date, generating unreasonable loan interest payments to XXXX XXXX XXXX XXXX, instead of applying towards principal. 

My complaint had been escalated to an Account Manager so many times, with each committed to investigating via a 'case review to XXXX XXXX to 'approve XXXX payments instead of draft checks '. 

XXXX months later and multiple complaints to USAA Account XXXX and the problem is still NOT resolved. XXXX has confirmed the problem is USAA. USAA keeps insisting its XXXX. I personally don't care which is responsible, but it's XXXX, ALL these bill payments should be XXXX and NOT XXXX!
Consumer complaint received 2024-01-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (ID)

Received notice of approval for credit card in the mail. Did not apply for the credit card. We called CapitalOne to notify them and they locked the account and did not send the cards. We belive this PII information was obtained via the local hospital breach at XXXX XXXX XXXX.
Consumer complaint received 2024-01-27
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TN)

Synchrony Bank handles my Lowes store credit card account. 
They have sent me the following email which in part, states : " Synchrony XXXX We're following up on recent changes to your Lowe 's Advantage Card agreement. Starting in XX/XX/2024, a {$1.00} fee will be charged to your account each month you are sent a paper billing statement. You can avoid this fee if you set up paperless statements and are sent your statements only in electronic form. Plus, going paperless means less waste. Go paperless today. '' First and foremost, if something happens to me ( I'm in my XXXXXXXX XXXX ), my wife does not do email and has no idea how ; therefore she would be stuck with an overdue payment charge. Second, I believe the bank should provide a paper statement for no extra charge as part of their credit card service. If not, then the charge should be actual cost and be below {$1.00}.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am frustrated because I am being taken advantage of by this credit bureaus. I have filed a dispute of inaccurate that is reporting incomplete information. Incomplete information is inaccurate and thereby not supposed to be on my report.
Consumer complaint received 2023-08-03
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. (FL)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION (FL)

Multiple times my auto draft payment has been taken out of my account days earlier than the scheduled draft date causing my personal account to overdraft due to insufficient funds. I have screen shots of this as well as bank statements that show this. In addition they pre-date these drafts so the record of it on the bank statement shows the correct draft date even though they took the funds two days prior. When I contacted them multiple times I was told its because draft date is on the weekend and not a business day. Todays proof is irrefutable because todays date as I file this is Saturday XX/XX/XXXX  and my auto draft payment is supposed to come out Monday XX/XX/24 but has already been withdrawn today causing me an overdraft and showing in my account as a transaction date of Monday XX/XX/24.
Consumer complaint received 2024-01-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (CA)

So I opened my checking account with Union Bank on XXXX the middle of the year I start using my card and I was paying a lot of fees for not having enough funds on my account so they give me the option to get withdrawal protection of paying {$33.00} a month and the amount that I spend I didn't notice that I was paying more than {$2000.00} a month of when I try to get a refund Union Bank never replied to me now it cost XXXX XXXX I try to open a loan with XXXXXXXX XXXX  and automatic they send me a check of {$800.00} I go to the bank I told the guy on the bank that it's more than XXXX what they owe me and he told me you're lucky they give you that amount because they only give you 3 months behind I don't think it's fair that they don't want to refund me the money I was with them since XXXX into XXXX
Consumer complaint received 2024-01-27
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

i have a Kohls card, i was declined at XXXX, on Kohl.com ; I called and they stated that i needed to send a copy of my SS card. gave me a fax number. i did this on Tuesday, because i received the confirmation that the fax went through. i called the XXXX number to verify, was told can't talk to that department. said it would be a couple of days until the account was updated. this was Wednesday morning ; it is now Saturday. i tried to place the order again as i had noticed that the card number on my Kohls App had been updated, and i asked about this specific question within my fax. i was provided a 35 % off coupon, that can not be used basically. i was told on my first phone call today that my card was active and has a good credit limit. they suggested i remove the card and then put the card back into the app. did that, used chat service, again told to call the XXXX number, mind you different XXXX # 's. called that number, was transferred to a different department that went through the verification process again, now 3 times just today. verified who i was, then told that the fax still hadn't been notated on my account. representative on Wednesday said a couple of days, asked for a call back, advised they don't have phones, they are an internal department. asked for the CFO phone number or email address, advised one doesn't exist. asked for a board of directors email or phone number, was given one, will try it on Monday when they should be in the office to see if it works. i have been a customer of Kohls for 20 years. i am not sure what flagged this but it is getting to the point were i dont even want to be associated with them. the only thing that keeps me with them, are the discounts they offer. XXXX i have talked to Kohls via chat, and 2 different XXXX # 's at least 10 times in the past week. XXXX when i spoke with them last week when they asked for my SS card to be faxed, they said they mailed me a letter asking for this information. welp, you know the mail today, never received that letter. i also asked why it was needed, was fraud on my account? whats the purpose. no explanation as of yet.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

After checking my credit report I noticed several inquiries that I did not recognize or authorize. I contacted XXXX, XXXX, and TransUnion on XX/XX/2023 via certified mail and brought this matter to their attention. They did not do anything about this issue. I contacted them again on XX/XX/2023 via certified mail again asking them why they did NOT do anything about this situation and if they can show me any proof of who tried to open accounts without my authorization. I did research and seen that there all laws that require the credit reporting agencies to provide proof of why they gave these companies access to my credit report without PERMISSIBLE PURPOSE? Since they have not done what they are required to do, I made sure I filed an identity theft claim with the FTC and am asking the CFPB with assistance with this situation.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

on XX/XX/year> | sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of thewrongperson.|
Consumer complaint received 2024-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-05-02
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)

XXXX XXXX XXXX XXXX is inaccurate fraud account and shall delete from my credit report by XXXX. 

This account number XXXX with a balance of {$27000.00} shall delete as agreed by the creditor. 

This is not my account and the creditor agreed to delete it.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch (OH)

OPT OUT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information and 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. States that I have the Right AT ANY TIME to OPT out of ANY PERSON reporting on my consumer report. The Law also states that I have a right to privacy per the Privacy act of 1974 and a right to be forgotten under Article 17 of The General Data Protection Regulation ( GDPR ). Per the FCRA as a federally protected consumer i am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and non verbal per 15 USC 6802 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
Consumer complaint received 2023-07-12
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. (ND)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-01-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (TX)

The suspect ( accomplice ) XXXX XXXX XXXX XXXX who received most of the XXXX XXXX transactions in XXXX as shown in the attachment. He and his other accomplices created a scam website XXXX ( now XXXX ) that I was introduced to by the main suspect known from XXXX in early XX/XX/XXXX. I registered at the website to earn commissions by taking and completing orders online ( not physical items ). The website and its scammers instructed me to deposit or make bank transactions via XXXX to the bank XXXX in XXXX to fulfill certain VIP levels to complete orders and earn commissions per VIP levels. However after many false promises to let me withdraw all my deposited capitals or funds and close the account, I still can not withdraw anything at all as of today ( see attached images ). 

I filed multiple complaints online at FBI XXXX ( FBI ( XXXX ) XXXX XXXX XXXX crime ) after meeting the 1st agent who initiated the case on XX/XX/XXXX, and following up with the 2nd agent on XX/XX/XXXX at the local FBI office on XXXX XXXX XXXX in XXXX, Texas. However the FBI agents would not disclose their names and provide a case # and only contact me if needing more information. They encourage me to provide more relevant information which will be the cases with other involved police jurisdictions ( where the high dollar value bank transactions took place ). 

I filed a police report # XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. This is also required as I currently reside in XXXX XXXX. 

I filed a police report against the main suspect on XX/XX/XXXX with XXXX. XXXX XXXX XXXX of the XXXX XXXX XXXX Department ( XXXX ) XXXX XXXX. His email address XXXX.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts contain inaccuracies in their reporting. I am entitled to receive {$1000.00} for each incorrect entry on my credit file.
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

I recently got out of an XXXX XXXX. I was awarded the Bank of America accounts in the settlement. His name needs to be removed. I have attempted this numerous times. They insist that we both have to be there to remove him. But I will not be around him anymore due to his XXXX. I finally got them to send the paperwork to each of us to sign. It was notarized and sent it back. They claim it was done incorrectly. So round two of the same paperwork was sent in, but no changes yet. I was also told that I needed my ex 's approval to change my name on the account, even though it clearly states me reverting to my maiden name in the final decree. This is unacceptable.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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.