davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MD)

Sent money to someone for a purchase on XXXX XXXX. Sent money with XXXX through Wells Fargo. Realized it was a scam. I was told that I couldnt receive my money back. The sellers name was XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-22
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: EQUIFAX, INC. (NV)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$460.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$6900.00}, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00}, Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00}, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/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 2024-06-12
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 (VA)

I thought I was upgrading my existing credit card to a Capital One Quicksilver

card. Instead, their deceptive practices opened up a new card/account without my consent. Now, Im curious whether the advertised features of the card are what I even signed up for or got. Typical bait and switch it seems. Now Im stuck with a new credit card when all I thought I was doing was upgrading my old one. The specific verbiage all over the site/app was upgrade your card. The rep on the phone explained poorly that even though it was an upgraded card, it was a new account.
Consumer complaint received 2023-06-23
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. (HI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiry I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the listed inquiry : XXXX XXXX XXXX XXXX Inquired on XX/XX/2023
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I have incorrect addresses on my experian, XXXX, and XXXX report that i have never been associated with i would like all of them removed from my credit report immediately due to FCRA all information must be true and accurate they are all listed Below 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 2024-01-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: SAN DIEGO COUNTY CREDIT UNION (CA)

See attachments Listing of all the factors for consumer transaction. I wanted to access a portion of my unlimited consumer credit title 15 subsection 1611 false and misleading denial of my own credit.

15 U.S. Code 1611 - Criminal liability for willful and knowing violation U.S. Code Notes prev | next Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than onXXXX year, or both. 
( Pub. XXXX XXXX, title XXXX, XXXX, XX/XX/XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, title X, XXXX ( XXXX ), XX/XX/XXXX, XXXX Stat. XXXX. )
Consumer complaint received 2024-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (CA)

Apparently sometime ( not really even sure when ) but XXXX shut down one of my systems. I finally called and asked why I could not see my payments for the second system on the website. They said that it had been shut down. Last info on website was for XXXX of XXXX, They said it was shut due to lack of payment. I have been paying the full amount but they said that I should have been paying two different accounts. So I had previously called them regarding why I had such a big credit and was told that due to the contract, if the system does not produce what it is suppose to, I don't pay the full amount. It is just recently I realized they had sent me to collections. Never received any calls or anything until recently. Beginning of this year. So I had a credit of over {$2600.00} with them and asked if they could just take out what they said I owed from that amount and return the rest to me. I got email stating she would. I received a check for around {$1800.00} and they kept the rest. Now Caine and Weiner are still waning to know what is going on and XXXX will not inform them that I paid. So I am still in collections. I have sent them to the XXXX and they cant do much but gave me your info and other information on as who to contact next.
Consumer complaint received 2024-06-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (MO)

XXXX ) Bought $ XXXX treasury XXXX in total using funds from my Citibank checking acct # XXXX XX/XX/XXXX Bought $ XXXX treasury XXXX for myself XX/XX/XXXX Bought $ XXXX treasury XXXX for my husband XX/XX/XXXX Bought $ XXXX treasury XXXX for my child XX/XX/XXXX Bought $ XXXX treasury XXXX for my husband XXXX ) Redeemed treasury XXXX XXXX XXXX transferred XXXX proceeds back to checking acct # XXXX XX/XX/XXXX redeemed {$10000.00}, XX/XX/XXXX redeemed {$10000.00}, XX/XX/XXXX redeemed {$10000.00}, XX/XX/XXXX redeemed {$10000.00}, XXXX ) As of XX/XX/XXXX my Citibank account balance saving acct # XXXX balance {$45000.00}, checking acct # XXXX balance {$12.00} XXXX ) XX/XX/XXXX, I requested to withdraw funds online, didn't go through, Citibank informed me that my account was being closed, and Citibank will mail me a check for the funds in the account. 
XXXX ) I waited XXXX months, Citibank never mailed the check. 
XXXX ) XX/XX/XXXX, Called Citibank for status of the check, was told that it's being processed. 
XXXX ) XX/XX/XXXX, Called Citibank again for status of the check, was told that no updates from back office, and would send an expedized request. 
XXXX ) XX/XX/XXXX, Called Citibank yet again for status of the check, was told that no updates from the back office, and would send an expedized request, and no account balance info could be provided XXXX ) XX/XX/XXXX, Filed a complaint with CFPB ( ID # XXXX ) XXXX ) XX/XX/XXXX, Citibank responded XXXX mailed a check in the amount of {$10000.00}, request proof of ownership of the other XXXX iBond proceeds XXXX ) XX/XX/XXXX, I responded to Citibank providing bank statement showing the fund was transferred to my Citibank account by TreasuryDirect. 
XXXX ) XX/XX/XXXX, Citibank requested XXXX transaction document to show ownership. ( Citi XXXX # XXXX ) XXXX ) XX/XX/XXXX, I downloaded XXXX transaction statement showing XXXX was purchased for myself, my husband and my child. 
XXXX ) XX/XX/XXXX, Citibank responded and instructed that my husband and my child should request to have funds deposited into their Citi account. ( Citi XXXX # XXXX ) XXXX ) XX/XX/XXXX, per Citibank instruction, My husband sent request to Citibank asking proceeds of XXXX in his name to be deposited to his Citibank account # XXXX, he also asked about the proceeds of our child, as she didn't have bank account. 

As of today, XX/XX/XXXX, we have not heard anything back from Citibank. From XX/XX/XXXX to XX/XX/XXXX, for 9 months, Citibank withheld our funds without any valid reason. I bought XXXX using funds from my Citibank account, once redeemed, XXXX automatically transferred the proceeds back to the same Citibank account. I felt helpless and extreme frustrated, please help us!
Consumer complaint received 2023-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-22
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. (IL)

In accordance to the Fair Credit Reporting act XXXX XXXX XXXXXXXX account XXXX XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2024-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

I deposited a check from my brother it was drawn on Chase, and my account is also with Chase. The check cleared his account same day. They put a 3 day hold on my funds, and then released them and the restricted my account and won't let me use my funds. When I call they say they have to call him to verify the funds, and they use a third party to do this, and they have no listing of him, and they don't have any information of how he can call to give his number. Chase has his direct phone number on his accunt, why would they need to use a third party. I am reading a lot of these issues and then chase closing the account.
Consumer complaint received 2024-03-19
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. (AZ)

In accordance with the Fair Credit Reporting Act XXXX ; Account : 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 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 XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2024-01-22
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

American Express eGift Card : Despite the card 's claim of universal usability, multiple attempts to use it at reputable online retailers have resulted in denials for security reasons. This discrepancy raises concerns about the card 's reliability and adherence to promised functionalities.
Consumer complaint received 2023-08-28
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: Experian Information Solutions Inc. (MD)

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 2023-04-22
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. (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 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 corrected : XXXX XXXX Balance Owed : {$490.00}, XXXX XXXX XXXX  Balance Owed : {$500.00}
Consumer complaint received 2023-04-22
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: EQUIFAX, INC. (TN)

This is my first 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 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 XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$130.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00}
Consumer complaint received 2023-04-22
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. (MI)

This is my 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MI, XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX Balance : {$510.00}, XXXX XXXXXXXX Balance : {$1200.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3100.00}, XXXX  XXXX Balance : {$480.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00}, XXXX XXXX ( XXXX XXXX : XXXX ) XXXX Balance : {$720.00}, ( Original Creditor : XXXX  XXXX XXXX Balance : {$1000.00}, XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XX/XX/2021
Consumer complaint received 2023-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This is my first 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 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 XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00}
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (VA)

My account with SYNCB/XXXX was never late! I have had exceptional payment history with SYNCBXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

SYNCB/XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-27
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: ALLY FINANCIAL INC. (TN)

this company of ally financial has illegally charge me in the way XXXX for late charges. in time period of XXXX  a company rep signed me up for paperless in which cause a non billing to be sent to me. I contacted the company and spoke to XXXX on XX/XX/year> she advised the late fees would waived I just made my last payment on the contracted amount of {$480.00} in which noticed they still have charged me in excess of charges late fees of XXXX. I reached out several times to ask for the charges to be removed, however the reps have advised me that they will not remove the late charges I spoke with manager with customer solution phone ( XXXX ) hours XXXXXXXX XXXX XXXX id # XXXX. she stated she is not waiving the late, she stated she will remove this information due to them having internal rule that are permitted to waive but only one late fee, in which she stated they have removed an amount of XXXX she stated we i am responsible for rest. 

under the the federal billing act the company is permitted to send me bill in which this has not been performed. I asked the rep if she reconsider this give me my title to my vehicle however she stated she can not. 

This is illegal and I deserve the right to my title
Consumer complaint received 2023-07-10
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX  Account # 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 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have sent several registered letter asking for both TransUnion and XXXX to validate the XXXX XXXX Bankruptcy listed on my consumer report. Neither company has ever answered any of my letters over the past XXXX months. They have only sent me letters stating they felt the inquiry did not come from me or an authorized XXXX party, even though I sent the letters with a copy of my Drivers License and a recent utility bill. The same inquiry was sent to XXXX and they could not validate any of the information listed. They removed the non-validated Bankruptcy immediately, in accordance with CFPB law.