davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-07
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NC)

I believed I had a job offer lined up and needed to purchase equipment. Wells Fargo allowed me to mobile deposit checks from my employer into my account. One was {$4100.00} and the other was {$4900.00}. I then sent the money to who I thought was a vendor for my equipment. Wells Fargo cancelled both of my accounts and have them on hold until XX/XX/XXXX. I have very limited funds. I sent {$2300.00} via XXXX on XX/XX/XXXX and {$2000.00} on XX/XX/XXXX. I also sent {$4400.00} over XXXX. I have reported all of these transactions as fraud to both Wells Fargo, XXXX, and XXXX. It was not until I had sent the money that Wells Fargo closed my accounts and reported me for fraud. I was scammed.
Consumer complaint received 2024-02-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP (NV)

The amount paid off was {$31000.00} since XX/XX/XXXX  and until now I did not get my title yet or either they issue a LIEN RELEASED. They are telling its dmv fault because they are so slow. Today I went to dmv to check the status, they said they did not to their part to release the lien.
Consumer complaint received 2024-02-06
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I called to see if the inquiry could be removed they told me I need to file a police report which I did and contact the credit bureaus which I also did. XXXX told me to make a complaint on this website so here I am making the complaint.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello! My name is XXXX XXXX and I would like to make a complaint to all three consumer reporting agencies ; TransUnion, XXXX and XXXX. Below is a comprehensive breakdown of my complaint. 

Section 602 A of the Fair Credit Reporting Act, 15 USC 1681, states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' TransUnion, XXXX and XXXX are consumer reporting agencies and I am the Consumer. 

According to 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information to consumer reporting agencies are prohibited from providing inaccurate consumer information.

Additionally, 15 U.S. Code 1681e mandates consumer reporting agencies to uphold reasonable procedures to prevent violations of the FCRA, limiting consumer report furnishing to specified purposes. However, TransUnion, XXXX, and XXXX fail to meet these requirements. 

- Inaccurate Information : Despite legal obligations, TransUnion, XXXX, and XXXX furnishes inaccurate consumer information, violating the FCRA 's accuracy requirement. 

- Lack of Reasonable Procedures : TransUnion, XXXX, and XXXX does not maintain reasonable procedures to ensure data accuracy and compliance with FCRA standards, as outlined in 1681e. 

By not adhering to these statutes, TransUnion, XXXX, and XXXX jeopardizes consumer rights and undermines the integrity of credit reporting systems. This non-compliance warrants investigation and corrective action by the Consumer Financial Protection Bureau ( CFPB ) to protect consumers ' interests and ensure fair credit reporting practices.
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (SC)

American Express Closed My Credit Card While they have still been accessing my account on their end over XXXX times and I sent the proof in the mail to which they havent responded to. I discovered their SEC filings and Im aware that my application was immediately transferred and securitized without my consent or authorization. They are profiting off of my private information, but closed my account. According to 15 usc 1681a ( 2 ) ( A ) ( I ) the consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. Im demanding for ALL late payments to be removed immediately and the accounts to be updated as PAID AS AGREED, NEVER LATE.

Further more the Charge offs furnished onto my consumer according to the IRS publications are a certificate of indebtedness that must be removed immediately as this is income and income can not be reported onto the consumer. 26 CFR 1.61-1a
Consumer complaint received 2023-06-02
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. (KS)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OPORTUN FINANCIAL CORPORATION (NJ)

Subject : Immediate Cease and Desist of Unauthorized Credit Reporting New Jersey FCRA Identity Theft Fraud Laws Dear OPORTUNPROG, I am reaching out to address a grave violation concerning the unauthorized reporting of information to my credit report, as stipulated by the Fair Credit Reporting Act ( FCRA ) under Sections 56:11-34 and 56:11-41, New Jersey 's Identity Theft Prevention Act under N.J.S.A. 56:11-45, and associated statutes. 

It has come to my attention that OPORTUNPROG has engaged in unauthorized reporting to my credit report without procuring my explicit consent. Federal and state laws, including the FCRA and New Jersey 's Identity Theft Prevention Act, unequivocally mandate that consumer consent is a prerequisite for such reporting activities. 

I wish to assert unequivocally that I have not provided consent for OPORTUNPROG to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially causing harm to my creditworthiness and demonstrating a blatant disregard for federal and state laws. 

I demand, without hesitation, that OPORTUNPROG immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by applicable sections of the FCRA and New Jersey state law. Failure to comply within the stipulated timeframe will be construed as willful noncompliance, subject to penalties under the relevant statutes, including New Jersey 's Identity Theft Prevention Act. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and New Jersey state law. Compliance with federal and state regulations is non-negotiable and essential for protecting consumers from unauthorized and damaging credit reporting. 

I anticipate your urgent attention to this matter and expect OPORTUNPROG to promptly rectify these violations, respecting my rights under federal and state laws. 

Done in good faith
Consumer complaint received 2024-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (KY)

I opened a joint account with my son XXXX XXXX XXXX ) was a minor. When the account was opened, we opted out of overdraft protection. He has been having trouble canceling reoccurring debit card transactions. He already opened another account and moved all the funds to his new account and his joint account was {$0.00}. I confirmed when I called the Truist call center yesterday that the account was still opted out of overdraft protection. I asked why they approved a debit card transaction if we removed all the balance from the account prior to the debit card transaction since the overdraft protection was opted out. They stated they still approve reoccurring transactions. I asked them to provide a credit for the amount of the transaction ( {$23.00} ). They said they could not do that and could not dispute the transaction. I explained I didnt want to dispute the transaction. My dispute was with the bank providing an approval code for the debit authorization to the company without a sufficient balance and overdraft protection opted out. They should provide the credit themselves as it was their error. They said they could not do this. I transferred the money to my sons account so he did not receive an overdraft fee of {$36.00}. This is an unfair and deceptive practice and needs to be fixed.
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MS)

I was a JCPenney Synchrony Bank customer since XXXX. I was a good customer and ALWAYS paid my bill. I had fraud charges on the card and reported it in XX/XX/XXXX and they disconnected my account and I decided to go with another company for my new card. I have had a few issues with fraud but mostly Customer Service with JCPenney. I had not rec 'd my refund of - {$71.00}, so I called them again on XX/XX/XXXX. During this call I was told by the rep ( XXXX I believe around XXXX ) I would not receive my refund until I requested to receive it!?! He submitted the request and said 7 to 15 days and I should have the refund. I advised if I had not rec 'd by XX/XX/XXXX to call back. Today, XX/XX/XXXX, I still have no refund! So, I called them and escalated 3 times ( XXXX, XXXX, XXXX, have to wait 7 business days for a call back from XXXX 's XXXX ). My question is how long do I have to keep waiting 7 to 15 days for them to process and mail a check? How much interest will I be receiving on my money they have had for over 4 months? If a customer doesn't pay on time they have a fee to pay! Why is their customer service so poor? Why does their automated system force you to enter your whole SS # when you don't have an acct with them before you get a rep? I am past irate with them but do not think I am asking too much!
Consumer complaint received 2024-02-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Amsher Collection Services, Inc. (CA)

On XX/XX/2024 I contacted Ashmer 's Collection Services, inc to remove my acount due to invalidity and that I do not owed from XXXX due to tmobile selling debt and closing account. The initial amounts owed is {$560.00} with the settlement amount being {$160.00} which however I would pay but notice that by law I don't have to pay an account that was discharged or charged off.
Consumer complaint received 2024-04-10
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC (MD)

Dating back to XXXX, Waypoint Resource Group claimed that I owed {$100.00} to XXXX. I disputed this debt several times with Waypoint. Over the last 7 years, I have consistently written to the Waypoint and XXXX credit bureau to dispute this debt.I have never received a response from the company but the debt is typically removed from my credit report after the dispute letter is sent to XXXX and Waypoint will wait 6 months or so and place the original debt back on my credit report as though its a new debt with a new origination date. This cycle drops my XXXX XXXX by XXXX points each time since its being added as though its a new debt... for example the origination date on my credit report shows XXXX instead of XXXX. Given that original debt dates back to XXXX, the origination date should reflect that and because its been 7 years, they should no longer be reporting this debt anyway.
Consumer complaint received 2024-02-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Hello, My Capital One account was closed without my request, and there was a total of {$53000.00} in it. The account was closed in XXXX or XXXX of 2023. The check was never received at my mailbox. I was forced to wait 90 days to send a request to reissue the check. The new check was never received. I began to call and request a new address for the check to be sent to. CapitalOne committed to sending the check to the new address overnight. 

The check was STILL not received. I called again and asked to reissue the check again. Still not received. 

It has now been 6 months, and the check has never been received no matter how many times we call in, notarize documents, or request the check to be issued. This is a large amount of money -- over {$50000.00} -- and CapitalOne continues to tell me the check is in the mail, with it never arriving. However, other letters from them DO arrive -- so i believe they are simply not sending the check. 

I would like to resolve this and receive the amount asap.
Consumer complaint received 2024-02-06
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I checked my credit card transactions and noticed a charge of {$26.00} by XXXX XXXX XXXX XXXX that occured on XX/XX/XXXX. I reported the charge immediately with Chase and they quickly locked my account and mailed me a new card while they investigate. 

I heard back from Chase on XX/XX/XXXX that Chase has completed their review and decided that I am responsible for this {$26.00} charge because I " recieved benefit from this transaction '' and that they have closed the investigation. 

I have never been to XXXX XXXX XXXX  XXXX or used any of its services. I have no clue why or how this charge occured on my account.
Consumer complaint received 2023-12-26
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

They are advertising no minimum XXXX 's. Which I had open XXXX with XXXX balance each. The date I had open the XXXX 's they were quoted an interest rate for specific terms. The is now claiming XXXX XXXX which is false information.
Consumer complaint received 2024-02-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

A checking account was opened without my knowledge. I received a debt card in the mail XX/XX/XXXX telling me to activate the account. A few days letter I received another letter letting me know that the account was closed and to stop writing checks against the account. 

I did contact Citizens bank on XX/XX/XXXX around XXXX to let them know that I did not open the account. A representative put in a identity theft report for me.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : 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. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 2015-07-13
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (IL)

My mortgage was sold to Nationstar Mortgage a couple of years ago. 
I always pay my bills using XXXX online bill pay, and have always done so. 
And for over a year everything was fine. 
Suddenly this year beginning in XXXX they have started losing the electronicpayments from XXXX. They have reported late payments to the credit reportingagencies and have threatened me with foreclosure several time since then allbecause they keep losing or misapplying the monthly payments! 
I am attempting to refinance this loan right now, but I can not get the best ratesbecause Nationstar has ruined my credit! 
They are horrible to deal with on the telephone - rude and nasty - and they treat melike I am some bum! Others need to be warned about them, and all US banksshould discontinue selling mortgages to this company immediately!
Consumer complaint received 2023-02-11
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. (NC)

After reviewing my report Im aware that the below accounts are still on my report after I called in and sent letters to have them investigated previous. I also submitted a request online and have not gotten an update. Which is a violation of my rights. 

This is also hindering me from being able to purchase my first home. 

In accordance with the Fair Credit Reporting Act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX Account # : XXXXXXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Online Information SER Account # XXXX Has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items for information, any other adverse item of information, other than record of conviction 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 2023-04-15
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. (TX)

This is my fourth 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX  Inquired on XX/XX/2021 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX Balance : {$490.00}
Consumer complaint received 2024-04-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (PA)

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 2024-02-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/year> I got an alert and after reviewing my credit report I see a chase credit card pop up on my credit saying 60 days past due. I then contacted them and reported a fraud account and was told they will be closing and removing from my credit because it was a business credit that is reporting to my personal credit. I have continued to reach out several times after and was giving run around saying they can't access my account then I don't have an account. then transferred to their credit reporting department no one seems to know anything but what I do know its cause financial hardship with this reporting to my credit report. please help me put a stop to this since I never opened this account I don't have no account information and they want give me any information. but its reporting XXXX this is the only number I have from my credit report
Consumer complaint received 2024-04-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

Consistency in paying on time is my motto. I'm firm about it. Yet, I'm bewildered by the occasional tardiness in the company 's reporting, which shouldn't be the case. USC 1666b mandates that any billing errors must be rectified promptly and reflected correctly in the payment records.
Consumer complaint received 2024-02-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MA)

I made a payment from my HSBC account to my XXXX XXXX credit card on XX/XX/XXXX for {$600.00}. Generally, HSBC offers the option to issue the payment as either a Wire Transfer XXXX  a Real Time Payment. For some reason, their mobile app automatically routes the transaction through the Real Time Payment network, so my payment was issued as an XXXX, which according to HSBC, is settled immediately. On the XXXX XXXX side, they claim that they can not locate the payment and asked for a document providing confirmation of the settled transaction. HSBC provided a screenshot of the transaction confirmation, with limited details. XXXX XXXX says that the funds were returned to HSBC on XX/XX/XXXX.