davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NC)

On XX/XX/XXXX, I discovered that Discover was reporting a negative credit card account on my consumer reports which is in violation of under the Privacy Act of 1974. They agreed per there contract with me that they would not report my non public personal information to a non third party affiliate. It is evidenced on all of my consumer reports that Discover has breached there agreement with me and violated there terms and conditions by reporting my non public personal information to third parties, namely XXXX, XXXX and XXXX pursuant to 16 cfr 313.3 and 313.7 ( 1 ). Pursuant to 15 USC 1681 ( b ) Creditors can not furnish consumers information without explicit consent. And Discover is also still currently reporting transaction history which is illegal. I wish to Opt out pursuant to 15 USC 6802-6805. Discover was obligated to send me a opt out request every 30 days and failed to do so.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAVALRY INVESTMENTS, LLC (TX)

I contacted Calvary SPV on XX/XX/2023 regarding a collection notice I received in XX/XX/2023. I requested a debt validation including the original signed contract, but the creditor mailed me a 2-page statement that just shows late fees. Original credit is XXXXXXXX XXXX  and amount owed is noted at {$820.00}
Consumer complaint received 2023-12-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (WI)

On XX/XX/ I received two text messages from what appeared to be Chase Bank asking if I had initiated a wire transfer in the amount of {$10000.00} via XXXX. It asked that I respond 1if yes and 2 for no. I responded 2 immediately. A short time later I received a second text asking if I had initiated another wire transaction for XXXX XXXX XXXX  XXXX Again I responded No. A short time later, I received a phone call from an individual who represented himself as a security/fraud specialist from Chase Bank XXXX He advised that Chase Bank would be initiating a fraud investigation due to the suspicious activity. I was asked if I was familiar with a subject named XXXX XXXX XXXX XXXX XXXX because he was the person the money was to be wired to. After explaining that I did not know anyone in XXXX, I was advised that my debit card ( associated with my checking account ) had also had an attempted purchase for {$35.00} at an undisclosed XXXX. 

The male subject on the phone continued to ensure me that Chase Bank will be looking into the matter and that I need not worry that the money would NEVER leave my account. The subject told me to cease from using my debit card and that a new one would be issued to prevent any further intrusion. I was also advised that do to the investigation being initiated that I was not to open my on line Chase portal until the following Tuesday when my new debit card would arrive. 

The individual stated that I was to go into the wire/transfer portal and complete the form with information he was providing me. The information was supposedly his direct supervisor by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I stated that it made no sense for me to complete this form and wire any money from my account to someone iI have never heard of There were two telephone numbers associated with me being contacted, XXXX XXXX XXXX 

On Wednesday XX/XX/, I opened my Chase account on line and saw that {$13000.00} had been wired to
Consumer complaint received 2023-12-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (WA)

I sent {$1000.00} on XX/XX/XXXX  from my XXXX XXXX checking account via Zelle  to my Daughter, XXXX XXXX XXXX XXXX XXXX  account. Unknown to me at the time the funds were transferred to a XXXX account holder. My daughter 's cell phone # that I typed into Zelle was previously the cell phone # of this person at XXXX. I filed a complaint with XXXX XXXX on XX/XX/23, and since then 10 business days have elapsed and XXXX tells me the case is closed, I have not received the {$1000.00} back into my bank account. I called XXXX and they can not help, they said to call XXXX XXXX. Additional info- the woman who used to have this cell phone # is in debt by about $ XXXX, which my daughter has gathered from all the collection calls she receives for this previous owner of the phone #. I believe my daughter might have the name of the woman who received the {$1000.00}, only because my daughter still receives phone calls for this woman. I want to file this complaint right away, but I can follow up and provide the woman 's name. My main question/complaint is how come the banks and Zelle transferred the funds into a person 's bank account and they didn't cross check the name of the recipient with the Name I put into Zelle? The transaction details in my bank account show the name on the account to be XXXX, but the funds were transferred to a different person. Shouldn't the banks and Zelle be cross checking the name that I put in as the recipient to be the same as on the account they are depositing the funds into?
Consumer complaint received 2023-12-16
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)

I purchased an American Express gift card worth {$270.00} on XX/XX/2023. 
Tried to use it at 5 major merchants. Each were declined. XXXX, XXXX, XXXX XXXX, XXXX and XXXX. 
XXXX {$250.00} XXXX  {$7.00} XXXX XXXX {$220.00} XXXX {$200.00} XXXX XXXX {$200.00} Each time a transaction was declined I called American Express customer service and each agent told me to try another merchant. They said they were protecting my funds and those are blocked merchants. So try another merchant or wait for 24 hours to try again, ( which I did and it still declined ). No more advice for them. They are all saying the same thing and they also said a refund takes 3-4 weeks to be sent out if I request one.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (MD)

It has come to my attention that these accounts are not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. According to the FCRA if any accounts are reporting inaccurately on my credit report they should be removed immediately XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$9300.00}.
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have complained & disputed called and sent letters explaining that the account for US DEPT of ED/XXXX {$1000.00}, XXXX XXXX XXXX {$13000.00} are not my accounts. I filed complaint XXXX over a month ago and there has not been any update. I am asking again that these accounts be deleted. The company states they were working on it XX/XX/20 but as of today XX/XX/20 nothing has been done for the account XXXX XXXX.
Consumer complaint received 2018-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (MA)

I tried adding my card to XXXX XXXX  on XX/XX/2018. I got a message to call for verification. 
I called in, provided all the information I was asked to provide. 
Agent asked me for a home landline to verify my ID. I dont have a landline home number and didnt provide one when I applied for the card. I was told they cant use my cell number to verify. 
The other option was to verify using another card I have with Citibank. I dont have any other cards with Citibank! 
So now Im locked out of my account and the only two options I am given are either to get a landline phone number registered to my name or have another card with Citibank. 
Who thinks up these asinine rules? Landlines in 2018?! 
I just want to be able to use the card I applied for and was approved for.
Consumer complaint received 2023-12-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (CA)

On XX/XX/2023 about XXXX PST, I added an external credit union account to transfer {$10000.00} was denied on the Citi website. Called the toll free number and was put on hold for ~40 minutes to only be told that the Fraud department is closed and to call back the next day. 

Next day XX/XX/2023 around XXXX PST only told to call the Fraud department back in the 3-4 hours. The representative told me I would get a call back instead. Got a call back from the person that said everything was resolved but it wasn't as I tried again to transfer the money and was denied. I called again and was to wait 3-4 hours before the online account would reflect. I asked if the representative if I go to a bank would they be able to give me all my money in cash. He said yes. Without ever knowing if I would ever be able to get my money out of the bank, I made an attempt to liquidate the account in cash in person at XXXX. I was told I could not be given the complete balance and that {$20000.00} was the maximum. I had to wait for an authorization from some remote department. I was given the amount in cash. I went to a second location ( XXXX XXXX, XXXX ) at XXXX XXXX to continue to attempt to get all my funds and was only given {$10000.00} after talking with the fraud department. Then I went to a third location to attempt to withdraw the maximum in cash and was denied after getting verified. I went back home continue to try again to transfer {$10000.00} online and again I was denied with the same message. Again I made another attempt to reach a person and find out what was going on at XXXX. Again referred me to the XXXX department that was closed and to try the next day. 

On XX/XX/XXXX, I tried in the morning at XXXX PST to call and was told everything was again resolved and to wait some time for that to reflect. 
On XX/XX/XXXX my online account was deactivated and I was again referred to the Fraud department. They told me to wait for a letter but I already wanted to liquidate and close my account. I only wait for another ACH transfer I initiated to withdraw from that account to clear before I closed. I had to call in to get make sure I get my money and to be able to close out the account due to their inability to be clear on the rules for fraud and fraud detection. 

No where in any of this was I communicated that I should not withdraw large amounts or that my account would be restricted if I continued this. No one gave me any support to say this initial matter would be resolved. Had I know transferring money out of an account with Citibank would be an issue I would never had opened one.
Consumer complaint received 2024-03-22
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. (VA)

I am writing to bring to your immediate attention a matter of utmost importance regarding fraudulent activity on my credit report. i have disputed this account with you now three times to no avail According to the Fair Credit Reporting Act ( FCRA ), specifically 605B, I am entitled to request an immediate block on any fraudulent accounts resulting from identity theft. Upon reviewing my credit report, I have discovered an account under my name that I did not authorize nor open. The account in question is with XXXX XXXX XXXX, and it has been flagged as fraudulent by me. this account has already been verified as inaccurate and removed by XXXX and XXXX but still remains on Experian This discrepancy is a clear indication of identity theft, and as such, I am invoking my rights under the FCRA to have this account blocked immediately. I have attached a copy of the police report and ftc report filed in connection with this identity theft incident for your reference and records. According to FCRA 605B, you are required to block the fraudulent information within four business days upon receiving a written request from the victim of identity theft. todays date is XX/XX/2024 I am formally requesting that you initiate this block on the XXXX XXXX XXXX account within the stipulated timeframe. Failure to comply with this request within the specified timeframe will result in a violation of the FCRA, and I will be forced to take legal action to protect my rights under the law. I urge you to act swiftly and responsibly in handling this matter to prevent further harm to my credit and financial well-being. Please acknowledge receipt of this letter and confirm the initiation of the account block within four business days only to this email address XXXX not by mail. You can reach me at the contact information provided above if you require any further documentation or clarification regarding this matter. Thank you for your prompt attention to this urgent request.
Consumer complaint received 2023-08-25
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 XXXX XXXX XXXX XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. US DEPT ED XXXX Balance Owed : {$7900.00}.
Consumer complaint received 2023-12-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (MI)

Hi my name is XXXX XXXX I am the owner of my Venmo acct, with routing number:XXXX ; an account number : XXXX acct My account was frozen for zero reason an no explanation given. I tried calling, emailing, ect .... Still no REASON as to why my funds are frozen. I been a member over a year with averified account, an then this happens.
Consumer complaint received 2024-04-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (CA)

Waypoint Resources Group claims they are collecting {$240.00} on behalf of XXXX. They show my first date of delinquency is XX/XX/2020. I have provided my bill from XX/XX/2020, that shows I was not delinquent. XXXX confirmed I do not nor have I ever owed them money. Waypoint Resources Group is fraudulently trying to collect a debt I do not owe.
Consumer complaint received 2023-06-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: WLCC (WA)

XXXX XXXX  loan has taken money out of my account after I revoked my authorization and refused to refund my money that I needed for other bills. XXXX XXXX loan refuses to give me a payment I can afford. All I get from them is threats of escalating collection.
Consumer complaint received 2023-12-15
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: Experian Information Solutions Inc. (NJ)

In XXXX or XX/XX/2023 I sent XXXX XXXX XXXX a NON-NEGOTIABLE NOTICE OF ADVERSE ACTION FOR DENIAL OF CREDIT due to their adverse actions against myself as a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in the 15 U.S.C. 1691c and is pursuant to civil liability under 15 U.S.C. 1691k. 

I originally applied for a line of credit with XXXX XXXX XXXX in XXXX or XX/XX/2023 but was illegally denied. Banks are extending lines of credit based on consumer 's own social security accounts which are linked to the US Treasury. Banks are not loaning their own assets or stocks as this is a violation of 12 USC 83. Banks are simply needed as the intermediate party to allow consumers to access their own credit connected to their social security accounts. 

When I wrote XXXX  XXXX XXXX via certified mail in XXXX or XX/XX/2023 to inform them of the violation, and to give them an opportunity to fix their error, they performed an unauthorized credit check with Experian in XX/XX/2023. In XX/XX/2023 I had not given XXXX XXXX XXXX permission to check my credit report and so this is an additional complaint. 

Most likely with this complaint, XXXX XXXX XXXX will check my credit again without my permission, so I will just request the contact information for the department that accepts litigation notices and summonses to avoid wasting time.
Consumer complaint received 2024-03-22
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. (GA)

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 XXXX XXXX. 

Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-12-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, my phone and XXXX XXXX card was stolen. I originally thought when I first called chase it was taken while I was getting my tires changed. I gave them a police report and everything. I called them while the charges were still pending because my account was in the negative from me paying my bills that didnt show until Monday morning and I was told to wait until the fraud charges are not pending to see if they will bounce the charges back which was weird. Well I waited and they let the fraud charges go through and bounced back my bills ( car note / insurance/ registration ) and left me with nothing. I later found out it was actually my old room mate that stole my information and my phone after I tracked my phone to the apartment trash cans and we naturally got into a heated argument which the police broke up and told her she needed to leave. They asked me if I wanted to press charges and I told them I just want her gone. I only said that because I believed when I called chase back and told them they would have empathy and at least give me some if not all my money back however they then went to blame XXXX XXXX ( which is what she used to steal from me ). So I called XXXX XXXX and XXXX XXXX said they could not refund the money because chase let them go through. So I was highly upset because I called chase the Monday morning ( XX/XX/2023 ) as I said before before the cleared. XXXX XXXX told me they could of cleared it up if chase would have denied the charges however because they didnt they couldnt do anything. So I called chase back and they told me I needed to send proof of what happened however they didnt tell me what proof they needed. I had to talk to a manager and they said I needed an new police approved police report which I did not have since I elected it not to press charges. I tried to go to the police station however it was too late and I didnt remember the officers names so they could not ask them about it. At this point I was incredibly frustrated and just gave up until my mother told me to reach out here. So Im praying this will help. I have more information and even a letter they sent me on accident which shows how they had it the system claiming I only disputed XXXX dollars and they denied it because I didnt make a claim for the other XXXX. I only made one claim in the amount of XXXX. They denied they sent the letter however it came with the other papers saying why they denied me. Ive never had an issue like this. I see a lot of people have issues like this with chase. Please help.
Consumer complaint received 2023-12-15
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I have been a USAA customer for 49 years. Since XXXX of this year, I have been resolving disputed charges on my credit card with USAA. ( My current credit card number with USAA is XXXX, expiration date XX/XX/XXXX, security code XXXX. ) For the most part, these have been resolved, including charges in the amount of {$2500.00} which have been described as charges against my credit card for deposits to a bank account. I did not create these charges. In XXXX, USAA did set up " promotional '' checking and savings accounts which I do not recall asking for. Once I realized that these accounts were problematic, I had them closed. Even with that, they were reopened. I had them closed a second time. 

Meanwhile, two of three {$2500.00} credit card charges have remained. Once again, I am battling USAA have these resolved. I never get a straight answer on these last charges of a call back. In toto, I have made 20 calls since XXXX, XXXX to have all of these resolved and approximately 10 calls devoted to the {$2500.00} charges. I am always polite during these calls even with my growing frustration.