davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-03
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY (CA)

I live between XXXX and the United States, I withdraw my pension from an ATM in XXXX that several times does not work well. On XX/XX/XXXX and XXXX, I tried to withdraw money from the ATM that is not from my bank, it was not dispensed. The value of {$130.00} ( on the XXXX ) and {$130.00} ( on the XXXX ) for a total of {$260.00}. On XX/XX/XXXX, before making the withdrawal as I had had the experience the previous day, I only withdrew {$5.00}. The cashier dispensed them. So I decided to withdraw {$130.00} and he didn't give it to me. I don't know if that's where the bank 's confusion lies, although everything is computerized, but I can't find any other reason for them to say that the teller dispensed the money.I made the claim to the Wellsfargo bank in the USA and after investigating they said that I did receive the money on the XXXXThey gave back the money only for XX/XX/XXXX. They decided to cancel my account because they considered it a high-risk account. I had to travel to the USA in an emergency to buy a ticket for {$1100.00} dollars to open a new bank account and organize the new direct deposit of my pensions. I had the account for XXXX years, never paid late, excellent credit report. I am asking the bank to prove to me that I did receive the money with a video, a statement from the company that manages the ATM in XXXX. This has brought me a lot of stress and economic imbalance. I have received treatment that has not been fair. In the past, when for some reason the ATM did not work immediately, Wellsfargo would give me a reversal. They don't do it anymore. They immediately deduct the money from the account and you have to go in to make the claim. The bank in XXXX where I used the ATM says that this claim is not with them. The card that I used is from Wellsfargo and they should respond to me.
Consumer complaint received 2024-03-05
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: CITIBANK, N.A. (KY)

Hello. I completed my first FTC report on XX/XX/23 and submitted it to the credit bureaus as requested. No resolutions have been completed. I began to pull my own credit reports in preparation of obtaining a mortgage to buy my first home. I wanted to make sure there were no inaccuracies. To my surprise, I found several unauthorized and unverifiable inquiries across all XXXX credit bureaus. In accordance with 15 U.S.C. 1681 there should not be any damages on my report and is a defamation of my character and demonstrates that I have requested to apply for credit from companies that I have not. I contacted the creditors directly, the credit bureaus directly and nobody wants to remove them and do the right thing. I created a new FTC report today. This is impacting my ability to provide a home for myself and my children in a timely manner. The resolution desired is to remove all of the inquiries immediately
Consumer complaint received 2023-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

on XX/XX/2023 I remitted my payment for the account balance. before I was able to do perform this action I received notice of account closure. I just opened this account and was not able to perform the task of transferring the interest. instructions were sent certified mail XX/XX/2023.
Consumer complaint received 2024-03-01
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: CITIBANK, N.A. (PA)

On XX/XX/24 I bough items from XXXX to be delivered on XX/XX/. I had 5 issues with this order and was promised a courtesy credit amounting to {$500.00}. I was approved for {$160.00} price match since the TV went down in price before this {$500.00} promise. The day before deliver everything became {$1500.00} cheaper for XXXX XXXX sale. I was going to either cancel my order or do a free return if they couldnt cancel ( I have 15 days from delivery to return and they werent delivered until the day after the sale ) and then rebuy them that day at the lower price. The manager XXXX informed me not to do this he will just 100 % guarantee me a refund of the price difference with the courtesy credits too for a total of {$2000.00} if I do not cancel. I followed his instructions and 2 days after the sale ended, the refund was denied because I was given a courtesy price adjustment on the TV ( the manager assured me it will 100 % be approved ). XXXX XXXX team is reviewing the case to see what can be done but I had filed a dispute with Citi credit card about a week ago. I sent proof of original price proof of the screenshot of the lower priced items ( same exact ones ) along with tickets numbers to XXXX that had my conversations to the manager. They now denied it saying Im responsible despite the fact that had it not been for their managers faulty info, I couldve bought it for less and returned the original order. I do have a recording of a second manager assuring me that the first manager will get me the refund.
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

On Wednesday, XX/XX/XXXX, XXXX XXXX, I contacted Banana Republic Barclays US about a {$2.00} Minimum Charge fee on my Mastercard, charged on XX/XX/XXXX, and listed on my Mastercard Statement, XX/XX/XXXXXXXX XXXX XXXX 

The representative, XXXX at ( XXXX ) XXXX, could not specifically direct me to where or when I was provided a disclosure for this additional fee. The representative could only point me to a page on the website related to APR interest and fee. The fees noted do not include a Minimum Charge fee. Additionally, I have my account opening disclosure documents and searched the Banana Republic Barclays US website regarding fees, and there is no disclosure about an additional Minimum Charge fee when only a minimum payment is made during a statement period.
Consumer complaint received 2024-04-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (NY)

I canceled my gym membership in person at XXXX XXXX in XX/XX/XXXX. Despite cancelling, the gym continued to bill me $ XXXX. In XX/XX/XXXX, I had to change my debit card due to fraudulent activity. After this happened, XXXX could no longer charge my account m, and I began receiving notices a of past due balances. I explained to the XXXX  representatives over the phone several times that I had cancelled the account months prior, but they continued to bill me and send notices. Eventually they contacted Aldous and Associates to collect the debt of {$40.00}. Aldous has sent me letters with a phone number to pay the debt, but the phone number was invalid. Today they called me and asked to pay over the phone. I said that I would provide a credit card to pay over the phone, but had a few questions first. During the questions, Aldous hung up on me. I do not believe I should even have to pay this debt in the first place, but even good faith efforts to just pay and move on have been unsuccessful. Im worried this will continue to affect my credit score. For reference, I have not attended XXXX XXXX, besides the cancellation in XX/XX/XXXX, since XX/XX/XXXX 2022
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ASSOCIATED BANC-CORP (IL)

XXXX XXXX  is reporting a late payment for the month of XX/XX/2023. However, the monthly payment was made and submitted to XXXX XXXX  on XX/XX/2023. Therefore, there should not be a 30 day late reporting.
Consumer complaint received 2023-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have two accounts with XXXX XXXX XXXX XXXX showing on my credit report auto loan account # XXXX and unsecured loan # XXXX it has been over 7 years these accounts should be removed from my credit report. i have never been a member with this credit union and these loans are not minds.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-02-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXX XXXX there was a fraudulent transaction posted on my checking account ending XXXX for the amount of {$8700.00} by XXXX XXXX XXXX XXXX Bank of America and filed a claim on XXXX XXXX XXXX XXXX XXXX. On XX/XX/ Bank of America sent a letter stating they are unable to approve the claim. 

Checking Account XXXX XXXX XXXX XXXX XXXX Bank of America
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Transunion agent placed an " Annual review '' flag on profile of which causes an " Unable to verify identity '' error on the credit profile deeming it unusable by the consumer. This is a direct violation of the fair credit reporting act and is grounds for suit and/ or criminal punishment. This is what is known as credit slander, defamation of credit profile, and identity theft.
Consumer complaint received 2024-02-04
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 (TX)

I didnt know hard inquiries works and I noticed that my credit keeps on going down and down so I asked a friend to help. We noticed that some companies repeated multiple times on my credit on auto loans that I didnt applied for and when I called them they said they couldnt help at all. Im a XXXX XXXX and Im Barely home. Some stuffs that I noticed on my credits are not from me at all
Consumer complaint received 2023-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 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 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Inquiry from XXXX on XX/XX/2023. I previously disputed this inquiry stating : ''There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry
Consumer complaint received 2023-11-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (CA)

IQ DATA INTERNATIONAL is inaccurately reporting on my credit report that {$19000.00} is owed. I have never done business with this company. 
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (MA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' JPMCB, XXXX XXXX, XXXX, XXXX XXXX  is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' JPMCB, XXXX XXXX, XXXX, XXXX XXXX  is a financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, JPMCB, XXXX XXXX, XXXX, XXXX XXXX  whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' JPMCB, XXXX XXXX, XXXX, XXXX XXXX  never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (NC)

Information from this THIRD-PARTY NON-AFFILIATE was acquired without my knowledge, permission, or consent. This information that is reported from ChexSystems was not authorized by me, and I DO NOT give them the permission to report any of my non public personal information. This is including EVERYTHING that is being reported including my Transaction history. Which is also illegal for ChexSystems to have as a non-affiliate, especially because I NEVER PROVIDED CONSENT, WRITTEN, UNWRITTEN, VERBAL, OR NOT VERBAL, for my personal non public information to be provided to this Third-Party company. I take back any consent that was provided on my behalf by any company that illegally provided my personal information to ChexSytems, which is not allowed, I am also opting out of reporting by this third party non-affiliated company ChexSystems, from providing non public personal information ON ALL of my consumer credit report. INCLUDING ILLEGAL TRANSACTIONS HISTORY.
Consumer complaint received 2024-02-03
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Deal Depot, Inc. (SC)

I had got behind on my bi weekly car payments of {$230.00} on my XXXX XXXX. I was only about 2 weeks behind on my payment and repossession was threatened when I only owed about {$500.00} to catch up to my normal payments. They refused to work with me and came and repossessed my car the same day. Imagine keeping up with {$230.00} of biweekly payments as a XXXX XXXX who still has other fees including a XXXX  monthly insurance. It seemed easy at first and I was really desperate for a car at the time. Fast forward XXXX of XXXX, my credit has a XXXX loan stuck on it. I no longer own the car or plan on getting it back. Im only XXXX years old and now live on my own with more bills and expenses, while still attending XXXX  to be a XXXX.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

all three bureaus are committing a direct violation of the fcra by blocking the consumer from their own identity this is also known as credit slander, defamation of credit, credit blocking and theft of identity.
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I paid off my account in XXXX of 2021 and they restricted my account. Its been restricted with a XXXX balance for almost two years. Its effecting my credit and Ive asked several times to close my account and they tell me they can not do it.
Consumer complaint received 2023-10-13
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: WELLS FARGO & COMPANY (FL)

I went to the XXXX XXXX in XXXX XXXX at XXXX XXXX, asked to look at mattresses and stated that i did not want my credit ran. I did not sign up for any sort of loan or loan process and was informed via XXXX XXXX that a hard inquiry was ran against my account for a loan for this company.
Consumer complaint received 2023-12-05
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: EQUIFAX, INC. (FL)

this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.
Consumer complaint received 2024-02-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

My money been stuck on my closed account of $ XXXX and chase keeps telling me that they are reviewing my account before they send me my cashiers check, and i keep asking what exactly they are doing and how long no one is giving me answers, I have missed two car payments and rent payments and i am currently living on a loan from a friend which is past due because chase is refusing to hand over my funds. Why do i have to go through this, my car has been placed on the repossession list and i am soo uncomfortable nowadays because i dont know when i might loose my car. I need my money and my life has been in shambles ever since because chase wants to hold my funds and when i call them they said it could take years, im not trying to wait a year to get my own money back that i worked for. My whole life right now is ruined and i request that my money be repressed ASAP
Consumer complaint received 2024-02-03
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 (MA)

XXXX of XXXX Mass ran my credit with 8 different loan companies for a car after I told them do not do anything until I see you in person at the dealership but before I could even bring my information to them in person and talk about everything before I went through with anything. They did with no verbal or written consent. My credit score dropped XXXX points and no I can't even go to a reputable dealership to buy a car I've been working on my credit for the last year I have not missed a payment in 2 years on anything now my life is a disaster from this