davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I received a phone call about my debt. I have never taken a loan in my life and I have no debt. I said yes on the phone so I am sure they are going to use the recording of my voice for malicious reasons. When I talked to an agent, they would not tell me anything unless I provided sensitive information such as my SSN. I am terrified.
Consumer complaint received 2023-05-22
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. (FL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-01
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: EQUIFAX, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX Balance Owed : {$340.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$7400.00} XXXX XXXX XXXX Balance Owed : {$970.00} XXXX XXXX XXXX Balance Owed : {$7200.00}
Consumer complaint received 2023-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (VA)

An open investigation is going on as to an illegal garnishment from my minor sons account. They have now placed the funds back however the debit card was declined 3 times last night when my son tried to get his dinner, all were declined which resulted to severe embarrassment and him being hungry until he got in last evening after his shift. I called to the person assigned to my case and she refused to discuss his card with me although per THEIR policy ( WELLS FARGO ) I as a XXXX have sole control of with drawls, deposits and transactions. I can only reason that XXXX would not discuss the declining of his card with me because she is retaliating my complaints of the financial institutions repeated bad business practices.
Consumer complaint received 2024-05-15
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (KS)

I had a Serve American Express tax card. Someone got a ahold of my card number and added it to their pay pal account and charged {$2400.00} worth of unauthorized transactions. I immediately contacted Serve and filed a dispute. Within days they denied it. I reached out and asked for all information in coming to their conclusion and never received anything. I also appealed it. And reached out to you guys. I just received an email today that they denied my claim again saying that the transactions were authorized. I have sent in a declaration of fraud telling them that I did never authorize these transactions. This time I have also been in contact with XXXX and they have told me that they debited the person 's account that had my card on there. So where is that money it is not back in my account. And also why is my claim being denied again. This is not right. Where is the money from XXXX? And how do they keep denying my claim with nothing to back it up?
Consumer complaint received 2023-10-30
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. (MD)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2023-09-01
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)

I was a victim of identity theft back in XXXX  where my social security number was compromised and resulted in someone falsifying my tax reporting. I have been battling multiple accounts and items that I have had no knowledge of or relationship to speak to the debt accumulated. This is hurdling me in many areas of my life, and I have tried multiply times to dispute these claims, but no resolution has been made that will allow me to move forward with my life from this point forward.
Consumer complaint received 2023-11-01
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: EQUIFAX, INC. (LA)

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 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 2023-10-30
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: SYNCHRONY FINANCIAL (NY)

I ordered something from XXXX and it turned out to be a scam website. I called TJXRewards/Mastercard and they informed me that they can not issue a refund. It was a XXXX XXXX XXXX XXXX XXXX that costed XXXX. The website said it would ship from XXXX, but it turned out to be shipping from XXXX. Never received the item.
Consumer complaint received 2024-02-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

Transworld is in violation of government statue : Fair Debt Collection Practices Act 809. Validation of debts. They have not sent me proof of a signed contract for the debt they acquired from XXXX out of New Jersey. I believe this debt to be fraudulent, their delays are preventing me from taking the next steps to report this to an authoritative agency as fraud, and they are causing me financial harm by reporting this as a negative collection debt on my credit reports. They will not remove this debt from my credit reports but won't send me proof it is mine! The following information was sent to Transworld XXXX XXXX XXXX XXXX, DE XXXX, by certified US postal mail and I received the card back signed on XX/XX/XXXX. Please help me with this company as they are not following the rules set by the government. Thank you RE : Collection debt of {$1600.00} reporting on my credit report XXXX. Ive previously disputed this exact debt back in XX/XX/XXXX with XXXX XXXX. They agreed and removed this debt from my credit report. They could not provide proof this was my debt. Ive never lived in XXXX, NJ. 
XXXX. I sent you a letter by US Mail on XX/XX/XXXX alerting you that this was not my debt. Ive received no response. 
XXXX. I sent XXXX a letter for your claimed debt on XX/XX/XXXX advising them I need proof that this was my debt. Ive received no response. 
XXXX. On XX/XX/XXXX I disputed this debt with all three credit report agencies : XXXX XXXX, XXXX, and XXXX. Upon their conclusion, it was stated you advised them, this is in fact my debt. 
XXXX. I called Transworld at XXXX on XX/XX/XXXX and spoke to a representative and asked her to mail me copies of proof, that this is my debt. She stated they would be mailed to me. Ive received nothing as of today. 
XXXX. I contacted Transworld again, on XX/XX/XXXX and requested copies of proof for this debt. Ive received nothing as of today. 
XXXX. Through your online website : problem solver form, I submitted another document proof request on XX/XX/XXXX. Ive received no response. 
XXXX. I called Transworld on XX/XX/XXXX to ask for the status of my previous requests, for proof of this debt. I was told the account was in dispute and that the letter/proof will be mailed today.
Consumer complaint received 2024-05-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC. (PA)

This debt has been charged off. Which means that they already recouped the money via filing for the loss on their taxes. At that point, income can not be reported on a consumer report. I asked for the 1099c so I can file as well and haven't received it.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (KS)

Dear Customer Financial Protection Bureau ( CFPB ) Representative, I hope this email finds you well. I am writing to file a formal complaint against U.S. Bank regarding their failure to provide me with the promotional bonus promised in their website. Despite meeting all the requirements specified in the promotional website page, I have not received the {$500.00} as offered by U.S. Bank. 

To provide a comprehensive overview of the situation, I have attached the relevant documents for your reference. Attachment 1 contains the current promotion website screenshot from U.S. Bank, which clearly outlines the terms and conditions of the promotion since I did not take a screen shot during the time and this promotion has been going on for a long time from last year. Attachment 2 is a website that records the history of signup bonus from US bank which also shows the promotion amount and period. ( XXXX XXXX XXXXXXXX ) Attachment 3 confirms that I opened my new account within the specified timeframe, well within the 30-day window.

Moreover, Attachment 4 displays my U.S. Bank transactions, demonstrating that I deposited an initial amount of {$100.00} on XX/XX/2024 and an additional {$10000.00} on XX/XX/2024, which exceed the minimum deposit requirement of {$10000.00}. Thereby satisfying all the eligibility criteria stated in the promotional offer. 

Despite my repeated attempts to contact U.S. Bank, I have not received any satisfactory resolution to this issue. I have reached out to their customer service representatives multiple times, providing them with all the necessary documentation and explaining the situation, but to no avail. It has been over 4 months since I fulfilled all the requirements, and the bonus has still not been credited to my account. 

I believe this failure to fulfill their promotional commitment is a violation of their terms and a breach of the agreement made between U.S. Bank and its customers. Such practices erode consumer trust and undermine the credibility of financial institutions. Therefore, I kindly request your intervention in resolving this matter and ensuring that U.S. Bank honors their promotional offer by promptly providing me with the promised {$500.00}. 

I trust that the CFPB, as the governing body overseeing fair and responsible banking practices, will thoroughly investigate this complaint and take appropriate action against U.S. Bank if necessary. I would greatly appreciate your assistance in resolving this matter and ensuring that my rights as a consumer are protected. 

Thank you for your attention to this matter. I look forward to a prompt resolution and a favorable outcome. Please do not hesitate to contact me if you require any additional information or documentation.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2022-12-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (TX)

I ordered food online, the restaurant I ordered my food from don't deliver in my area, so they voided out my order. I ordered from another restaurant and received food for second order, I never received my refund from the first order. Chime bankhas been giving me the run around and literally telling me that they don't see the transaction after telling me they see the transaction. Constantly put me on hold for hours with no one returning to the phone call
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (FL)

I opened a XXXX XXXX Banking account. However I could not set up distributions into my own personal account - the web technology employed by the bank did not allow me to do that. I called customer service and XXXX explained that online distributions or ACH transfers are not permitted within the first 90 days of the account opening for " security and compliance '' reasons. She directed me to the disclosures page on https : //www.usbank.com/caas/digital-services-agreement.html but that page does not state the 90 day " freeze-out '' limit in the ACH section. When I pointed that out, XXXX informed me that it is her duty as a service technician to let me know it at the time of the call because the bank has the right to act within the limits of those disclosures. 

My concern is that I receive revenue monthly, I am a sole member of the XXXX, and need to make profit distributions to my own accounts. The information that, effectively, I can not use the account for 90 days in an efficient manner should be delivered to me in plain language at the time of account opening. Had I know that account were to be, effectively, unusable for the first 90 days, I would chose a different bank.
Consumer complaint received 2023-09-01
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: EQUIFAX, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$530.00}.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

On XX/XX/2023 Capital One closed out my credit card account due to personal information that XXXX, XXXX, and XXXX reported to them.Reporting According to the Fair Credit Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic nonpersonal information. Per 15 USC 1681 section 604 ( a ) section 2 states '' In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer whom it relates. Capital One, XXXX, XXXX, and XXXX the financial institution and the Consumer reporting agencies do not have my consent whether it be verbal non verbal written or non written or otherwise is revoked.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CT)

I discovered that my Chase checking account was fraudulently charged twice on XX/XX/XXXX for {$110.00} each. I filed a claim with Chase Bank on XX/XX/XXXX. On XX/XX/XXXX, Chase rejected my claim, stating that I could not prove the charges were fraudulent. These charges were made in XXXX, and I have not left the United States during this period. I believe the Chase staff handled this matter very unprofessionally, which resulted in my financial loss.
Consumer complaint received 2024-01-11
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

I setup my payment a head of time, got a letter date before it was due saying my banking info not working please update. I been on phone from XXXX to almost XXXX off and on still no help, even told me to call my bank who just said as always funds and account fine, suggested ask for someone who inputs payment and get confirmation which after time calls and even tried to contact corporate office said their system not able to process my checking account of ATM master card, no idea why and after all the calls and chats to them, my bank even XXXX  XXXX but it is their store card and process that the issue so more of a run around then helpful. XXXX XXXX XXXX XXXX XXXX  and do not need stress or XXXX  XXXX beat trying to fix something thats not my fault or in my ability to fix as if mail check same info on the check as they inputted or had computer input. Its expensive enough to use credit card without being ding for no payment when its their issue or machine holding issue up out of the blue after months or years of working. I am stressed, tired and confused by this mess please advice. Letter letting me know showed up today payment was to been processed today due tomorrow.
Consumer complaint received 2023-12-25
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

I was given a {$750.00} Amex gift card. Tried to use card with XXXX and XXXX XX/XX/XXXX and XX/XX/XXXX and all transactions were declined except one for {$25.00} with an XXXX vendor. Called Amex customer service and was told to try another vendor.
Consumer complaint received 2024-05-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (CA)

On XXXX I received a notice from my bank for a transaction in the amount of {$950.00}. 
I called the bank immediately to let them know that I did not do that transaction, as I am speaking with the fraud department a second transaction in the amount of {$680.00} occurs. I let the person on the line know and she responded that she could see the transaction going through. The bank refunded my money but is now saying that it was an authorized transaction, and they would be deducting those funds from my account. Apparently, the transactions were XXXX XXXX.
Consumer complaint received 2024-05-15
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: Navient Solutions, LLC. (NV)

My loans were part of XXXX vs XXXX. Ive provided legal documentation several times indicating the trade line needs to be removed completely per the settlement agreement, theyre refusing to do so, my score dropped XXXX points since my loans got discharged.
Consumer complaint received 2023-09-01
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: EQUIFAX, INC. (NY)

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. 

XXXX XXXX Collection {$0.00} XXXX XXXX XXXX Collection {$0.00} XXXX XXXX Collection {$0.00} XXXX XXXX Collection {$0.00} XXXX XXXX  XXXX Charge-off {$0.00} XXXX XXXX Foreclosures {$0.00} Please see the attachment as I have analyzed everything on my credit report!!!