davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-09
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 XXXX 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.
Consumer complaint received 2024-01-09
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY (NJ)

I received an American Express branded Serve card in the mail. It has my name on it, as well as a card number. There is American Express bank and routing information provided with the card. I did not request this card. I called the Serve customer service number ( XXXX ) repeatedly, but there is no person available to assist ; there is only an automated system. I called American Express directly, and they said they have no direct control over the Serve cards. They tried to also contact Serve, but also had no success in speaking to a person. American Express recommended that I file a complaint with the CFPB. 

Please note that I DID NOT activate the card.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the fair credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy discharge : ref # 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 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.
Consumer complaint received 2024-01-10
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 (TX)

I contacted Capital One, N.A. on XX/XX/XXXX to exercise my right to opt out of the disclosure of my nonpublic personal information to all third parties including consumer reporting agencies, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX. Per 15 U.S.C. 6802 and CFR 313.

Reporting my personal information is also a violation of my rights under the Privacy Protection Act of 1974.

This opt out is to be effective immediately and indefinitely.

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 ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : ( 1 ) Under section 1818 of title 12, by the appropriate Federal banking agency, as defined in section 1813 ( q ) of title 12, in the case of ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ;
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (ID)

Equifax continually changes my credit score dramatically for no reason and without any changes to my report. The change in score jumps wildly between XXXX point up and down for no reason. I do not agree with their reporting system. I would like them to just quit reporting all together because they are extremely damaging to consumers financial security.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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.

has violated my rights. Or a list of inquiries : 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.
Consumer complaint received 2023-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Id like to consider these all identity theft because, I am not aware of any of these inquiries and didnt give my information to anyone to in any sort to perform any activities in this sort.
Consumer complaint received 2024-01-09
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: JPMORGAN CHASE & CO. (PR)

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding a series of fraudulent transactions on my Chase Sapphire Preferred credit card and the inadequate response from the fraud investigation department. 

On XX/XX/2023, I discovered 34 unauthorized transactions amounting to {$1100.00} made with my Chase Sapphire Preferred credit card through my digital wallet on my XXXX. Despite repeated attempts to report these transactions as fraudulent, the department continues to assert their validity, implicating me in what appears to be a criminal act. 

The transactions occurred in cities in the state of California on the same day. However, this is categorically impossible, as I reside in Puerto Rico, and the 34 charges were allegedly made in three different cities simultaneously. It is evident to anyone with common sense that these transactions are fraudulent. The department 's primary " evidence '' relies on the assertion that these transactions were made in person through my digital wallet. 

I am also dismayed by the substandard service and insufficient protection afforded to me as a credit card user. On XX/XX/XXXX, I added my Sapphire Preferred card to my digital wallet and received a confirmation email. Curiously, the next day, I received an identical email, potentially signaling the commencement of the fraudulent activity. Additionally, I received a fraud alert when purchasing plane tickets with XXXX in XXXX XXXX for {$620.00} on the same day as the fraudulent transactions. Strangely, the 34 transactions, totaling over a thousand dollars in three different cities, did not trigger any alerts. 

I urge Chase to reevaluate the validation of these transactions promptly. I am prepared to pursue this matter within the confines of the law to ensure the removal of these charges from my account. I find it distressing that, despite my prompt and responsible credit card usage throughout my association with Chase, I am now subjected to accusations of dishonesty and criminal behavior. 

Please contact me at your earliest convenience to discuss the necessary steps to rectify this situation. I appreciate your immediate attention to this matter and expect a swift resolution.
Consumer complaint received 2023-04-12
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: EQUIFAX, INC. (NC)

I pulled my credit report and learned that my personal information was used to open account # XXXX at XXXX XXXX, XXXX. I am an identity theft victim and filed a report with identitytheft.gov, filed a police report, sent a letter to XXXX XXXX Fraud Department, as well as all 3 credit bureaus. I included the NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA ( Refer to duties when ID Theft Occurs ) and according to the law 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] the CRA shall block the reporting of any information that resulted from an alleged identity theft and there should not be any damages on my credit reports according to 15 U.S.C. 1681.
Consumer complaint received 2024-01-09
Product: Mortgage — USDA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: American Liberty Mortgage, Inc. (FL)

This company pre-approved me for the wrong amount because XXXX did not know the rules for USDA for small business owners. She took only one last year 's tax return to calculate when they require the average of two years before letting me know she was going on vacation on her anniversary cruise and XXXX would be helping me. XXXX found the rules and called them and then it 'killed the deal ' on the contract I had executed. They then pulled my credit so many times it killed my credit score also and gave me bad advice to sell my car and buy a different one, etc. I also felt some staff were rude and discriminatory on due to that I was a single woman, which was documented in an email. The owner of the home was a realtor and I found it online so I did not use the other realtor for the prior home I had looked at that was not 'approved ' anyway for the mortgage by them. The contract was executed on XX/XX/2022 and they had sent one 'wrong ' approval prior and then a different one after that as well. And I did have some money down, about {$5000.00} plus I was selling a boat at about XXXX, which I did sell, and land at about {$25000.00}.
Consumer complaint received 2024-01-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY (DE)

Multiple attempts to review documents correctly. Repeatedly denied forbearance or reasonable modification. After losing my job I was offered {$20.00} off of my mortgage payment. This offer is provided multiple times and was more than my salary. Foreclosure, proceedings were started and I was forced to sell my home reduced price Multiple complaints to your organization for years. I recently received a cashiers check for {$200.00} and an apology from Wells Fargo, that they erred when reviewing my documents. Since they have admitted wrongdoing, and caused me to lose my home, I should be part of the class action lawsuit since I have repeatedly contacted Wells Fargo.
Consumer complaint received 2024-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Recently, I XXXX XXXX did an investigation on my credit report and found unverifiable, invalidated, inaccurate and questionable items that XXXX, TransUnion and XXXX didnt make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S code 1681 e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (IA)

Hello, my name is XXXX XXXX. On Friday XX/XX/XXXX at XXXX I received a call from someone claiming to be with the Wells Fargo Fraud Department . The call was placed from the phone number ( XXXX ) XXXX, as well as the caller ID " Wells Fargo Bank. '' The supposed employee claimed that there had been some suspicious transactions posted on my account totaling {$3500.00} in a faraway zip code. One transaction in the amount of {$1300.00} and one in the amount of {$2200.00}. The employee then verified the last four of my account numbers and the dollar amount in each account. Once verified, the employee stated that they were working with someone in their XXXX department named XXXX XXXX The employee then stated that they froze the XXXX transactions and that In order to fully reverse the transfer, I needed to accept the {$1300.00} XXXX request from XXXX XXXX XXXX and that the funds would return to my account within the hour. After an hour I grew suspicious and called the number back, only this time I reached the actual Wells Fargo Fraud Department, who then informed me that I had just been scammed. I then submitted a fraud claim. The next day at XXXX I received another call from ( XXXX ) XXXX with the caller ID " Wells Fargo Bank `` This time was another attempt to get me to " reverse the second fraudulent {$2200.00} XXXX '' I promptly hung up the phone and re-dialed the number. Again this time I reached the actual Wells Fargo customer service line, who then prompted me to create this email/report. I recently received a decision from wells fargo saying that I am not entitled to my money back, and that it is not their fault because it was through the XXXX option on wells fargo. However, I don't see how this is my fault being that they had access to all of my personal information, including the amounts that were in my accounts and the account numbers and no one should have access to this but my bank.
Consumer complaint received 2024-01-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (GA)

I open my account in XXXX with a XXXXXXXX XXXX deposit direct deposited from my XXXX XXXX  XXXX checking account. After two months of calling and waiting I still never received an atm card. They refused to transfer my money back to my original account with out the atm Card number. Which I never received. 
I asked for a manager who was rude and nasty said they did nothing wrong. Would only mail me My money which she had just said she had mailed an atm card two times and it was returned. But now she is going to send my money that way. That was XX/XX/XXXX. Still no check. I received three letters saying my address was updated each time the exact same but still no check. Ive called three more times and no body will take accountability and give me back my money. So for four months they basically have held my 300 hostage and refuse to give me money.
Consumer complaint received 2023-11-15
Product: Credit card — Store credit 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 (NH)

In XXXX of 2023, I purchased a bicycle and bicycle engine from XXXX for the price of {$1100.00}. When the merchandise arrived, it came irreparably damaged. I contacted XXXX for a return or refund, only to find they do neither. They only offered replacement parts. However, replacement parts will not solve the issue ; I was sold a product that was not as advertised ; the bicycle and bicycle engine do not fit together, the bicycle frame is missing parts, and the engine does not work. I have tried to dispute this purchase with the financing bank 4 separate times now.
Consumer complaint received 2024-01-09
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: SYNCHRONY FINANCIAL (SC)

I opened a CD in Synchrony Bank on XX/XX/XXXX. I am notified on XX/XX/XXXX, that my account is opened without any paperwork. I did not sign any bank agreement or terms and conditions while opening my CD. I called Synchrony on XX/XX/XXXX, to close my CD. They said I would be liable for 180 days of full interest after 6 days of opening the CD. XX/XX/XXXX is 6 days after XX/XX/XXXX but they argued that the date the account is funded is XX/XX/XXXX which I am not aware of as I did not receive any paperwork or electronic email stating the same. I was on the call with Synchrony for about an hour discussing the resolution. I requested to refund my money with 7 day simple interest penalty but they said they would charge 180 days interest as a penalty. Synchrony Bank did not inform me about its terms and conditions either electronically or by email and I did not sign any terms and conditions while opening the CD.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this 
to be a stall tactic on your part to grant you an additional 30 days to comply with my original 
request, but I believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a 
complaint with the FTC should you continue in your non-compliance.
I further remind you that, as in XXXX XXXX XXXX Information Solutions, 993 F. Supp. 2d 1154 -
Dist. Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act 
(FCRA) by recklessly failing to follow reasonable procedures to ensure the accurate reporting 
of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes 
regarding the status of discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS provide proof of alleged items. I request to be provided with specifically the 
original application, contract, note, or another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and 
DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury 
NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this 
alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or 
the false reporting isnt removed; as in XXXX XXXX XXXX XXXX XXXX., No. XXXX (C.D.Cal. 
XXXX XXXX XXXX, you may be liable for your willful non-compliance. Credit reporting laws ensure 
that bureaus report only 100% accurate credit information. Every step must be taken to assure 
the information reported is completely accurate and correct. The following information 
therefore needs to be reinvestigated
Consumer complaint received 2024-01-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (OH)

I filed a complaint on XX/XX/XXXX, number XXXX. I received notice on XX/XX/XXXX that the complaint was closed, based on the company 's response. However, I am unable to see said response. Hence, I can not, if necessary, provide a response.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

I ws a victim of trafficking and my accounts ( closed, delenquent and collection status ) were overtaken by coercement from the criminals that had influence over my finances after XX/XX/XXXX and through XXXX XXXX I sent them a letter in compliance with their rules reguarding XXXX traffick victims. 

They have not responded to that specific claim of account being stolen and reported information as accurate. I have tried to resolve this several times. 

XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$1100.00} XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$1100.00} XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$1200.00}