davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-04
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. (NV)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

My Wells Fargo bank card was expiring in XX/XX/XXXX. Apparently, my bank mailed out my new card on XX/XX/XXXX, to my home address. All my mail gets dropped by USPS into the common mailbox location that holds mailboxes for the entire residential community. All my mail goes to my mailbox, and I have never experienced mail theft before. However, this time I did not receive my new bank card in the mail. On XX/XX/XXXX I got an email from my bank that my account was overdrawn, and it had a balance of - {$260.00} ( negative balance ). I logged into my Wells Fargo online bank account and found that there were 16 transactions made using the missing card on my account by someone other than me. I have never shared my pin code on my bank card with anyone ever. So immediately I called Wells Fargo Bank and reported my card was stolen. I was told on the phone by the banker that a new card was mailed to me on XX/XX/XXXX, that I never received. Also, the banker cancelled my card as " stolen '', sent out a " new/replacement '' card and filed a report with the bank. Here 's the summary : ( XXXX ) On XX/XX/XXXX, the banker on the phone assisted me to file a claim with Wells Fargo for {$2200.00}, Claim XXXX ( XXXX ) On XX/XX/XXXX, another banker on the phone assisted me to file another claim with Wells Fargo for {$12.00}, Claim XXXX Wells Fargo has XXXX my " stolen '' card with a new card by home delivering my new card to me. 

On XX/XX/XXXX Wells Fargo closed my claims stating there wasn't any evidence provided by me. They requested for a copy of the police report and documentation from my local post office. 

On XX/XX/XXXX, I filed a police report for mail theft. Case number : XXXX On XX/XX/XXXX, I filed a report with my local post office. Service Request # XXXX. My local post office has confirmed to me in writing that several residents in my residential community have reported mail theft in my area. 
On XX/XX/XXXX, I emailed documentation in PDF format to Wells Fargo Claim 's department, as suggested by Wells Fargo. 

On XX/XX/XXXX I called Wells Fargo Bank 's Claim 's department to check up the status of my claim. To my shock I was informed that my claim will remain closed as police report and documentation from USPS postal office is not considered enough evidence to support my case. I was told that I could not call any other department or resource within Wells Fargo to pursue my claim/request. I need help from CFPB in getting my funds recovered from Wells Fargo as the bank approved the transactions that were made on my stolen card by someone other than me ( most of these fraudulent transactions were made by the thief in a casino ). I have been a Wells Fargo member for over 28 years, and I have never abused my card in such a manner. 

Please HELP!!!. Am happy to be contacted at the below number.
Consumer complaint received 2023-04-27
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. (TX)

I was making normal purchases on my new AA Citi Platinum ; in the same week that I received my card. A purchase from XXXX for {$54.00} got flagged as fraud and I immediately called them. I was asked to verify my account through my secret word and phone number. They told me my phone number could not be verified. They asked for a landline ( Ive never had one ). This is the only phone number attached to my account. They then asked for my companys phone number. I work for a global company headquartered in XXXX with no available number. They said there was no other way to verify and I would have to wait up to 10 days for them to send me a letter, for a {$54.00} charge. I spoke to two people asking if there were other ways to verify and they told me no. Extremely frustrating that I wait over 2 weeks for a card to come, and after 2 days it gets shut off with XXXX warning for another 10 days! There has to be another way to verify!!
Consumer complaint received 2023-04-27
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: EQUIFAX, INC. (FL)

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 items ( A ). It is not permissible to fail to validate these reporting items 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 Date of inquiry : XX/XX/2022, XXXX XXXX Date of inquiry : XX/XX/2022, XXXX Date of inquiry : XX/XX/2022, XXXXXXXX XXXX Date of inquiry : XX/XX/2022, XXXX XXXX Date of inquiry : XX/XX/2022, XXXX Date of inquiry : XX/XX/2022, XXXX Date of inquiry : XX/XX/2022, XXXX Date of inquiry : XX/XX/2022, XXXX XXXX Date of inquiry : XX/XX/2022, XXXXXXXX XXXX Date of inquiry : XX/XX/2022, XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2022, XXXX XXXX Date of inquiry : XX/XX/2022, XXXX XXXX XXXX Date of inquiry : XX/XX/2022, XXXX XXXX Date of inquiry : XX/XX/2022, XXXX Account Number : XXXX
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ARTICLE ACCEPTANCE COMPANY (CA)

I leased a car from a car lot in XXXX for a used XXXX XXXX. I was paying payments for up to 8 months however within that 8 months I had to return the car to the lot on 3 different instances due to the car unexpectedly shutting off and not starting causing me to get the car towed to the lot each time. Each time they kept the car for a full month and a half with a band aid over the problem, hints the returning it 2 more times after the initial incident for the same problem. After the 3rd time I was frustrated and voiced to the car lot I wasnt happy with the car and was interested in a trade in. They refused this exchange so I stopped making payments and received a repossession to which I returned the car in XXXX. So now here it is XXXX and the company XXXX XXXX is still charging fees to my credit report about this car. The original amount of the car was {$11000.00} at the time of XX/XX/XXXX. Now its at the amount of {$20000.00} as of XX/XX/XXXX. The status on the account says closed but that isnt the case. I have reached out to the company to try to resolve this issue and they refuse to work with me. They have stated that they ended up selling the car to an auction shortly after I returned the car. So Im unclear about how they can still report fees to a closed account on a car I am no longer in possession for. This main account is a big negative effect on my credit report and Ill like to get it removed indefinitely.
Consumer complaint received 2024-04-24
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. (NY)

Subject : Dispute of Repossession Entry on Credit Report To Whom It May Concern, I am writing to formally dispute an entry on my credit report regarding a repossession of a vehicle. Pursuant to consumer law, specifically UCC 9-506, I believe this entry is inaccurate and does not reflect the circumstances surrounding the repossession accurately. 

The entry in question is as follows : Creditor Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Date of Repossession : XX/XX/2023 I respectfully assert that this entry is inaccurate for the following reasons : XXXX. Lack of Proper Notification : According to XXXX XXXX, the creditor must provide the debtor with reasonable notification before disposing of the repossessed property. I did not receive adequate notification of the repossession, nor was I given an opportunity to cure the default as required by law. 

XXXX. Failure to Sell in a Commercially Reasonable Manner : XXXX XXXX also mandates that the creditor must sell the repossessed property in a commercially reasonable manner. I have reason to believe that the sale of the vehicle did not meet this standard, and therefore, the deficiency balance may not accurately reflect the fair market value of the vehicle. 

XXXX. Violation of State-Specific Laws : Additionally, [ XXXX XXXX ] state law imposes certain requirements on creditors regarding repossession procedures. I believe that the creditor may have violated these state-specific laws in their handling of the repossession. 

I request that you investigate this matter promptly and remove the inaccurate entry from my credit report. Please provide me with written confirmation once the investigation is complete and the entry has been corrected. 

Thank you for your attention to this matter. If you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-09
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. (PA)

This complaint to EXPERIAN for allowing fraudulent inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Consumer complaint received 2024-01-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (CA)

Last week, I attempted to make a cryptocurrency purchase from PayPal in order to procure a digital asset ; however, was unable to send the token ( XXXX ) to the seller -- -- and REMAINED unable to externally transfer the digital currency ( Litecoin ) I purchased. 

I've spent hours with PayPal and my bank in attempts to rectify this debacle, and finally was able to have my bank DECLINE payment to PayPal, who then contacted me after suspending my PayPal account 's funding ( bank acct ) source, and verbalized that if not paid for, that PayPal would pursue collections, which could/would detrimentally affect my currently XXXX rated consumer credit profile. 

While I'm sure this roadblock is spelled out somewhere deep inside PayPal\ 's XXXXlegal manuscript, *NOWHERE* was this factor communicated to me during the purchase process. The digital asset I wished to buy ceased to exist ( sold.. ) not long after I determined the token I'd purchased was stuck in XXXX  -- -- and, hence, I have XXXX need/desire for the XXXX  any longer; again however, PayPal has repeatedly refused to void the transaction, nor refund any money paid.

It's ludicrous that PayPal can " sell '' digital currency that is fluctuating in value by the second -- -and did so XXXX for over XXXX days after I attempted to make the purchase/acquisition -- -yet the purchaser ( me ) was unable to utilize/transfer out the funds/XXXX  under contract. Obviously, the fungible asset could be entirely worthless over the XXXX period that transpired before my bank finally stopped payment on the purchase. 

In digging through the very lengthy, confusing legal/XXXX  literature, which is buried deeply in multiple menus on PayPal 's site, it's virtually impossible to ascertain accurate fees, terms and comprehensible parameters pertaining to buying, selling, transferring ... .XXXX XXXX ... .the digital currency PayPal purports to offer to it's user base. 

I've attached an image showing the XXXX in my PayPal account, yet I was completely unable to utilize the asset for the purposes I purchased it for.
Consumer complaint received 2023-04-27
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: EQUIFAX, INC. (TN)

I am submitting this CFPB Complaint letter to formally request an investigation and correction of the following accounts that appear to be inaccurate and incomplete on my credit file, as per the provisions of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX : {$320000.00} - Please check the Payment History information of this account. The late history shouldn't be showing late because I believe I paid on time. Please adjust the late payments from this account, I am not late on this account. Get it right immediately ; evaluate this reporting by revising the information provided. Modify and perform any corrections and update this from my file. 
XXXX XXXX XXXX XXXX : {$43.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you.
Consumer complaint received 2023-09-19
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Crown Asset Management, LLC, Duluth, GA Branch (OK)

We have limited time to work with you before we must return your Crown Asset Management, LLCXXXX XXXX acct to our client. See your options at XXXX or call XXXX. This text is from XXXX XXXX a debt collector. Reply STOP to opt-out Ref # XXXX
Consumer complaint received 2024-01-19
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MI)

Ever since I received an American Express gift card for XXXX I havent been able to use it. Every time I try to buy something, it says that the card has declined or has expired. But, when I check the website it says that my card is active and my {$25.00} is still on the card. Ive done research on these Amex gift cards and saw that many others were having the same issue and most time when they call customer support, they cant understand what theyre saying or theyre straight up told that it isnt the companys fault and theres nothing that can be done. Which is one of my main reasons why I havent called support since most everyones complaints about their service is the same. I just would like my money that was gifted to me. I know its only {$25.00} but the whole point if a gift card is that youre supposed to buy the things that you want when the gifter doesnt know what to get you. If you could help thatd be nice.
Consumer complaint received 2024-04-24
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. (SC)

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/2022 and XX/XX/2022 ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt
Consumer complaint received 2024-01-19
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (CA)

On XXXX XXXX XXXX, I was at my place of work and I received several text messages that charges were being made on my card along with ATM decline fees. I immediately called XXXX and explained that these charges were not authorized or being made by myself. I keep a fair amount of money in the account so there should have been no Decline fees. 
I asked the employee at XXXX  " XXXX '' to put a freeze on my card immediately and she ordered me a new card for a fee. a few minutes later I received more text messages with charges and ATM decline fees from a different bank location, I again called XXXX and asked if my card had been frozen because of fraudulent charges, I was told no and I went into their website and my account a put a freeze on it manually. This after a total of {$750.00} was taken from my account plus several ATM and decline fees. 
I immediately filed a " Declaration Of Fraud '' with XXXX  and XXXX days later received an email stating ( Based upon our investigation we have determined that no error occurred and that transaction ( s ) in question was authorized. Therefore, the transaction ( s ) is not eligible for credit to your Account ) I then was very upset and requested to have another Declaration Of Fraud opened and I sent along supporting documentation and was once again sent the exact same response as before.

My co-worker who was in the office with me when this first occurred then wrote a letter on my behalf explaining again what happened along with supporting documentation and again was sent an email with the following message highlighted " Goods and Services ; Transaction was determined to be a possible billing error, otherwise valid charge, or inconclusive to be accepted as fraud. ''
Consumer complaint received 2024-04-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DIGITAL FEDERAL CREDIT UNION (NH)

It is against the law to report transactions or experiences between the consumer and the person making the report. The term " person '' is DFCU the corporation and the " consumer '' is me. You have violated my rights according to 15 U.S. Code 6802 and 15 U.S. Code 1681a ( 2 ). The illegal late payments that you are reporting concerning me are harming me personally, emotionally, and financially, and causing me damage. 

You have also inaccurately reported my information on numerous accounts. I request that the inaccurate accounts be deleted from my consumer profile. I've attached the inaccurate information on my consumer report and highlighted it in red. 

I request that you promptly delete all late payments and send me an updated copy of my credit report within 30 days of your request that you fully comply with the law in my request. Should you fail to make the requested deletions, I request that you provide me with your permissible purpose for reporting each account on file in writing and copies of the written instructions of the consumer ( me ).
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 to 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-04-24
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. (GA)

16 CFR 313.7 Form of opt out notice to consumers ; opt out methods.

( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.

`15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, the consumer, never gave XXXX XXXX XXXX XXXX XXXX XXXX Transunion, or any other consumer reporting agency written permission or consent to obtain my information or to furnish my information. I have sent an opt out notice and XXXX XXXX XXXX, XXXX. is continuing to report this negative, closed account within my consumer report.