davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (IA)

us bank denied me consumer credit transaction in accessing a portion of my unlimited credit. 15 usc -1691- unlawful to discriminate against applicant with respect to any credit transaction.

12 USC -1431 : the banks are the borrowers Equal Credit Opportunity Act, CCPA 15 USC-1602 ( i ) I am the creditor in pursuit of life, liberty, and the pursuit of happiness. 

US BANK  XXXXUS BANCORPXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-11-28
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: Chime Financial Inc (AZ)

On XX/XX/XXXX I decided I wanted to try to get XXXX internet. The technicians that came couldn't install the internet on top of destroying my neighbor 's landscaping and I called and told them that based on that experience I didn't want anything to do with their internet company and canceled it. However on XX/XX/XXXX I woke up and saw I had a {$210.00} charge on my credit account for chime Bank. I never gave them my credit card information I didn't even have that card at the time. Not to mention it was pulled XX/XX/XXXX when I canceled my service XX/XX/XXXX. Not only did I never give them the authorization for this card they just charged it out of the blue over a month later. I was told the resolution took 10 to 20 days on XX/XX/XXXX and now here we are XX/XX/XXXX and I'm told now it could possibly take till XX/XX/XXXX. I can not wait for my money to come back that long and I'm hoping you can help get some kind of resolution for me. My claim number for this is XXXX XXXXXXXX
Consumer complaint received 2023-11-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC. (IL)

This is a continuation of complaint number XXXX. This is the only way I can contact Robinhood because I'm not getting any responses to my email requests. 

There was no legal reason to close my account, on XX/XX/XXXX you received an official document notifying you that my bank account was closed, without giving any reason you closed my brokerage account and everything associated with it. The balance of {$2300.00} is my crypto transfers, which can be easily tracked online. Let me know what information regarding them you need in order to verify the legitimacy of these funds and I will provide them to you
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : XXXX  XXXX ACCOUNT # XXXX DATE OPENED XXXX Contact info XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (NY)

XXXX XXXX $ Creditor : Victoria secret XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Be advise this is not a refusal to pay, But a notice sent pursuant to the fair credit act 15 USC & 1692g stating your claim is disputed and validation is requested.This is NOT a request for verification or proof of my mailing adress, But a request for VALIDATION made pursuant to the above-named title and section. i respectfully request your offices provide me with competent evidence that I have and legal obligation to pay you. at this time, I will also inform you that if your offices have reported invalidation information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX XXXX ) this action constitute fraud under both federal and state laws.Due to this fact, IF any negative marks found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Validation of the fair credit reporting act, Violation of the fair debt collection practices act, and defamation of character the following declaration, I will require at least to investigate this information, During which time which time all collection activity must cease and desist, Also, During this validation period, IF any action is taken which could be considered detrimental to any of my credit reports.i will consult with my legal suit. This includes any listing of any information to a credit reporting repository that could inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your recept references to the account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.I would also like in writing that no further telephone contact be made by your office
Consumer complaint received 2023-11-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Its been almost three months since you restricted my access to my account. I have been repeatedly requesting for information and was not provided with any. You keep telling me to go to my originating bank for an ACH reversal or hold harmless letter and I have told everyone that my originating bank cant do it. THIS IS MY MONEY. IT IS ILLEGAL TO NOT PROVIDE ANY INFORMATION ON HOW TO UNRESTRICT MY ACCOUNT.
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

Over a month ago, a purchase from XXXX, AZ was made on my debit card to a fraudulent travel agencya transaction I did not make and a service that does not exist. I called Wells Fargo and they assured me I would be refunded {$490.00} ( the amount charged to my checking account ). Today, they took that money out of account and I am very frustrated because I did not make that transaction, as I live in another state and it was done so through a fraudulent service.
Consumer complaint received 2023-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (VA)

On XX/XX/2023 I spoke to XXXX XXXX, XXXX Client Relations. She informed me that my accounts ( personal and business ) were closed due to alleged fraud committed by me. She was not able to provide answers to my questions. However she scheduled a follow up phone call appointment for XX/XX/2023 at XXXX. I made myself available for her on XX/XX/2023. As of today, XX/XX/2023 I have not received any update from her. Questions such as how much exactly from my personal checking was sent to XXXX Bank?, exactly where was remaining funds from my personal account that was sent to XXXX?, exactly how were the funds presented and sent to XXXX bank?, why would someone at PNC Bank discriminate against me and make false allegations of fraud and how did allegations of fraud get initiated as XXXX being told by XXXX bank that PNC Bank kept insisting the check I present on XX/XX/2023 for {$100000.00} was fraudulently presented by me. 

All the questions are important to know and understand so that XXXX bank can follow up on their end and send me back my funds.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

On XXXX I was alerted that loans with XXXX had been taken out under my identity. After several attempts of trying to contact XXXX I finally was able to a representative via phone on XXXX. She told me that loans associated with my SSN and name had been open XXXX -- XXXX and paid to XXXX XXXX ( telephone XXXX ). The email, address and phone associated with the account were fraudulent and not associated with me. When I told the representative, she said that she would change this in the system and update their records. When I tried to explain this was fraudulent she directed me to contact XXXX XXXX XXXX to close my XXXX and XXXX and she just updated the account on XXXX to reflect my current address. When I attempted to contact XXXX they said this isn't something they can do. I have been unable to get another representative from XXXX to contact me without making an account on their website. I have now reported to the XXXX  ( XXXX ) and the XXXX XXXX XXXX.
Consumer complaint received 2023-09-08
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (CA)

I fully paid my account I owed and then request to close my account because I got my identity stolen. They request police report which I gave them it and they accept it for a charge I didnt make. Then I started seeing all these phone payments I never made which I told them that ever since I open that account I have always paid through the app web payments never phone payments I asked them what were they charging me of XXXX for and they said for reverse phone payments I explain that it wasnt me who has been doing them and they were going to take it to dispute I received a letter saying I was still liable for those payments even though it wasnt me now they are adding interest which it has made it to XXXX now this has been going on for 9 months and they cant fix the issue.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (AL)

Discover is charging me 28.24 % on an older balance of {$290.00} and 23.49 % on {$1100.00} so overall interest charged on {$1400.00} is {$30.00} My minimum payment is {$46.00} each month. If I don't at least pay {$46.00} minimum plus the interest on the {$290.00} that {$290.00} keeps building interest at the rate of 28.24 %. I have to pay at minimum {$53.00} to keep that {$290.00} balance from increasing even more. If I can only make the minimum payment for the month the interest on the {$290.00} balance continues to increase that balance even further. This makes it almost impossible to pay off this card or even pay down the balance of this card.
Consumer complaint received 2023-08-24
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: National Credit Systems,Inc. (MS)

I recently reviewed my credit report and was deeply troubled to discover several items that are unverifiable, invalidated, and inaccurate. These discrepancies have caused me significant distress. 

Furthermore, it's important to note that these inaccuracies have already been removed from other credit bureaus ' reports, highlighting their inaccuracy. 

Under the Fair Credit Reporting Act, it's crucial that my credit report is 100 % accurate. However, I've identified violations of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) due to these inaccuracies. 

I urge your agency to rectify these issues promptly and ensure the accuracy of my credit report. Thank you.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC. (AZ)

Per FERPA ( FAMILY EDUCATION RIGHTS and PRIVACY ACT ) enacted in 1974, I have a right to privacy of student education records. Navient has repeatedly violated my privacy & has failed to remove these items from my credit report.
Consumer complaint received 2024-07-04
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: WELLS FARGO & COMPANY (IL)

Re : My Wells Fargo credit card : I made a payment for {$71.00} on XX/XX/year>, I closed acct on XX/XX/XXXX. Payment showed up on my bank checking acct statement XX/XX/XXXX. On my Wells Fargo statement to same bill suddenly appeared again when I looked back on or around XX/XX/XXXX. Even though the acct was closed. Wells Fargo keeps dragging their feet with nobody just taking care of this. I have talked with numerous customer serv ice personnel and now the finally gave me to the Wells Fargo Consumer Credit Line of Business Complaints. I have recently spoken with XXXX XXXX XXXX " XXXX  Complaints Mgmt Office '' ), a woman named XXXX, and a woman named XXXX who initiated things. This office can be reached at XXXX, XXXX is XXXX XXXXXXXX and XXXX is XXXX XXXX. I am not sure who their supervisor is. They have been pleasant to speak with but I need results for this payment to be acknowledged, my acct balance cleared to {$0.00} and this acct closed without further issues. Wells Fargo XXXX # XXXX Acct # ending in : XXXX. Thank you, XXXX XXXX, XXXX, XXXX
Consumer complaint received 2024-01-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: United Shore Financial Services, LLC (NE)

I refinanced my VA loan with UWM using a VA XXXX. The refinance funded on XX/XX/year> and the wire was sent to UWM but they did not process the funds until XX/XX/year> due to an shortfall in the payoff. This payoff was obtained by UWM and approved by them. They charged me 7 days extra in interest and a late fee once I found out about the short payoff. They did nothing to try to correct this on XX/XX/year> when they received the funds from the title company on an approved payoff from their company.
Consumer complaint received 2021-03-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (FL)

I XXXX XXXX entered into a consumer credit transaction with Hyundai Finance on XX/XX/XXXX. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges, I was not expecting a bill. On XX/XX/XXXX Hyundai sent me a bill which is a violation of 15 USC 1692b.
Consumer complaint received 2022-12-19
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

I obtained an {$80000.00} equity loan through XXXX XXXXXXXX XXXX XXXX. We closed on Monday my account with them was funded on Friday XXXX. I went to the bank got a cashiers check drove it to Bank of America to deposit it. Was then sent an email the check looked fraudulent and they were holding my money for 10 days. 
I contacted customer service they said nothing they can do until the check is scanned in to the system. Called again the next Monday asked for a supervisor spent and hour on the phone with this guy who said he spoke with his supervisor and said that they told him the best they could do would be Monday the XXXX. Which they are to release my money on the XXXX anyway. Im beyond frustrated and plan on closing all my account with this bank moving forward. Ive been helpless, my bills are due and are now all late. 
Banks feel like they are untouchable, I plan to seek legal council on the matter as well for the issues its caused
Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Kikoff Inc. (MI)

Hello my name is XXXX and I were wondering if you could remove the Kikoff Lending LLC off of my account. I closed the accounts more than six months back but it never registered on my credit app. But it says its closed on my Kikoff app.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2023-09-13
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: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX Balance XXXX {$1800.00} XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the item that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date opened XX/XX/2019 Balance {$5600.00}