davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY (TX)

Discovered I had but {$5.00}. In my acct. checked acct on line and had my atm card used 4 times yet I have my card in my purse. My purse had always been with me. XX/XX/XXXX XX/XX/XXXX 3 xs at atm {$200.00} each + their fee XX/XX/XXXX atm {$300.00} + their fee Contacted my bank that night XX/XX/XXXX Bank sent me forms to fill out Bank declined due to Bluebird Member Agreement 22d Basically didnt believe me. They Permanently closed my acct. My Social Security Check was deposited on XX/XX/XXXX. 
Police Report # XXXX Detective XXXX XXXX XXXX Police Dept. Bank said 10 days to send me {$1200.00}. Called again and they said 10 days. Got my balance 31 days later.
Consumer complaint received 2024-01-18
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. (TX)

I noticed some credit inquiries on all 3 bureaus Equifax, XXXX XXXX and XXXX that i didn't authorize or initiate. i, m concern about how this might affect my credit score.here is a quick rundown : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. i take my personal information very seriously and i haven't applied to any of this credit recently or given anyone the permission to check my credit. please kindly remove the above mentioned lenders on my profile. thank you
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have submitted that this account was paid in full and title was sent to me XXXX XXXX  Ally is reporting inaccurately to the credit bureaus and I have brought it to the bureaus attention on numerous occasions and the only XXXX is XXXX that removed the account, if you notice the reporting doesn't even make sense.
Consumer complaint received 2024-01-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (IL)

A friend sent me money on Venmo, but selected that it was for good or service without realizing that that would give a cut of the money to Venmo. Venmo then deducted a portion of the money from the amount I received.

I contacted Venmo and found out that there is no way to reverse this transaction. Their position is that, when this happens, they want to keep the money they took no matter what. I asked what their policy is to protect consumers, and they have a policy to protect consumers from fraud by other vendors, but no policy to protect consumers from Venmo.

In this case, they refunded to me the money that they took, but they reiterated that this was a one-time courtesy and that their policy is just to take the money.

I am uploading a transcript of the chat session where they explain their position.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

CAPITAL ONE XX/XX/2024 - Opened Account with Capital One XX/XX/2024 - Initiated inbound transfer to fund new account ( {$50000.00} ) XX/XX/2024 - Informed of account lock XX/XX/2024 - Responded to account lock providing additional personal information for verification ( Valid State ID / Drivers License ) ; Was informed the data would be processed in two business days, and/or I would be contacted XX/XX/2024 - Zero contact from bank XX/XX/2024 - Contacted bank over telephone ; Authenticated into automated systems to gather more details regarding account lock ; Unable to access any information, support rep requested secure personal information over nonsecure line; Requested account to be closed ; Informed that Capital One was unable to close account/ comply with deletion requests ; Escalated to manager -- Manager was argumentative, but confirmed that he would close the account, Refused to provide any information regarding delation of personal data XX/XX/2024 - Attempted to submit request for deletion of personal information from bank databases ; Unable to complete request either due to account lock, or broken IT infrastructure
Consumer complaint received 2024-01-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: Navient Solutions, LLC. (CA)

Payments were made by me, the co-signer, for 12 years. This amounted to {$40.00}, XXXX which exceeds the original loan amount by {$9700.00}. The original borrower has made no attempt to pay. I have made numerous attempts to get Navient to get the borrower to sign the release of co-signer form. This has not happened. I am now being harassed by Navient in the form of daily phone calls, emails, and USPS mail. 

I know that the State of California is one of many who have taken action against Navient for unfair loan practices.
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: EQUIFAX, INC. (FL)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous fraudulent accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report immediately.
Consumer complaint received 2024-01-18
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: EQUIFAX, INC. (FL)

On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report. Over 60 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored in my disputes. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted expeditiously. If the accounts are not deleted immediately, I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-01-18
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. (MO)

Still working on this while closing 3 others today with the same issue. This fraudulent company is a predatory company that needs to be held accountable AGAIN, GIVE BACK Y CREDIT HISTORY
Consumer complaint received 2024-01-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IN)

I was called about a scammer using my debit card to verify I didnt make ca transaction. Them proceeded to say we had an active hack of XXXX and need to transfer money to protect the account. XXXX {$25000.00} transactions moved by Chase bank. I reported the fraud to chase and was explained that I was transferring the money to help a cousin with a down payment on a real estate transaction. Chase is refusing to replace the money scammed
Consumer complaint received 2024-01-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (RI)

I received a phone call while I was at work from Wells Fargo. The caller stated that " this call may be monitored or recorded '' and said she was from Wells Fargo and that two unauthorized transactions were attempted using my card information. She said Wells Fargo stopped the unauthorized transactions from going through. The caller then asked if I had received any text alerts stating this. I replied " No ''. She said she wanted to make sure I was receiving the alerts in case this happens again. She verified my information and then sent a few " test '' texts to my cell phone. She said to ignore the context of the texts, as they were randomly generated. The following day, I checked my bank accounts, checking and savings, and they were completely cleared out. The checking account transfer was for {$6300.00} and was under the name of " XXXX XXXX ''. The savings account transfer was for {$1000.00} with a {$30.00} wire transfer charge, under the name of " XXXX XXXX ''. This occurred on XX/XX/2023. When I called Wells Fargo and explained the situation, I was told that there was nothing they could do because it appears that I knew the people and transferred the money to them because they had my information. When I stated that I absolutely did not know the people and that they called falsely using Wells Fargo 's name, they still denied my reimbursement claim, closed my account, and opened a new one. I called numerous times, and, with my last call, I stated that I was going to hire a lawyer. The Wells Fargo representative then told me that I should hire a lawyer. I called the police to file a report, I then contacted several lawyers but have received XXXX responses. I have also put a fraud alert on my name with all 3 credit bureaus. I have also contacted the XXXXXXXX XXXX Attorney General, but with no response. I have been trying to find help with this situation and no one seems willing.
Consumer complaint received 2024-01-18
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: EQUIFAX, INC. (MA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

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 2024-01-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Capital One regarding the closure of my account on XX/XX/year>, and the unauthorized conversion of my accumulated XXXX reward points into a {$2600.00} statement credit. This action was executed without my prior knowledge or consent, which I find to be highly unethical and unprofessional. 

The primary reason for my association with Capital One has been the accumulation of reward points for transferring to my airline loyalty account, with the intention of redeeming them for flight tickets valued at over {$10000.00} USD. The forced conversion of these points into statement credits, at a significantly lower value, not only undermines my financial planning but also violates my consumer rights. 

I am not concerned with the reasons behind the closure of my account. My primary focus is the restoration of my XXXX reward points. The reward program was the sole reason for my choice of Capital One over other banks or credit card options. 

Through this complaint, I urge the CFPB to facilitate a dialogue with Capital One to resolve this issue by reinstating my reward points and allowing their transfer to my airline loyalty account as per my original intention. If Capital One fails to comply, I am prepared to pursue legal action, including a small claims lawsuit, to seek compensation for the direct and potential losses incurred due to their actions. 

Your prompt attention to this matter would be greatly appreciated, and I look forward to a swift and favorable resolution.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

Chase bank refused to review further or even approve my refund claim when someone hacked into my business account and made two an unauthorized transactions from my checking account through XXXX. They sended me into XXXX XXXX chase with XXXX and i was never able to speak to anyone that could help me. 
The reps at chase were : XXXX ( claims department ) and XXXX ( Supervisor with the claims department ) their number is XXXX XXXX
Consumer complaint received 2023-09-02
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (MI)

XXXX $ XXXX XXXX I was suppose to get the money and my bank said it was counterfeit frud check I paid XXXX $ now my bank account is closed and I lost my daughter 's XXXX my paycheck my personal funds and more adding up to XXXX $
Consumer complaint received 2024-01-18
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV INC. (CA)

I was entitled to receive a California Middle Class Tax Refund of {$1000.00} from the State of California Franchise Tax Board ( Link : Middle Class Tax Refund | FTB.ca.gov ). FTB outsourced Money Network ( California Middle Class Tax Refund Card | Money Network Financial ( XXXX ) ), a third-party financial institution, so Money Network delivers prepaid debit cards to the affected recipients. Money Network who was contracted to manage my account, issued and sent a prepaid debit card to me, but it was never delivered to me. It appears that the mail including my debit card was stolen before it was delivered to me. 

After so many attempts to figure out what happened to my debit card, Money Network finally agreed to reissue the prepaid debit card and re-sent to me. When I received the card and accessed my account, I realized unauthorized cash withdrawals were made via multiple ATM locations. 

I disputed the illegal withdrawal transactions to Money Network, however, they declined/rejected my dispute. The justification to decline my dispute was that the PIN was utilized to withdraw from the ATM machine. I never established the PIN and I never had an opportunity to set a PIN since I never received the original mail including my debit card with instructions to set a PIN. This justification to decline my dispute is unfair to the consumer since I had no opportunity to control over security of the mail with my debit card and my account, yet the service provider, Money Network, who is obligated to deliver the mail with the original condition failed to do so and refused to fulfill the service. In my case, Money Network was obligated to deliver my prepaid card in a proper condition and maintain the security over it and if the service was not delivered as promised they should have borne the loss and accommodated the consumer, so the consumer would receive the service/money as it was promised to.
Consumer complaint received 2023-08-14
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

In accordance with the Fair Credit Reporting Act, Capital One Account # XXXX has violated my rights. 

XXXX5 USC 1681 Subsection 602 : States that I have the right to privacy.

15 USC 1681 Subsection 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I've observed multiple deviations from mandatory reporting standards, raising concerns about the accuracy and completeness of the data in my report. I dispute your allegations and challenge you to substantiate your right to report this incomplete negative information on my credit report.

Under 15 U.S.C 1681e, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. Additionally, 12 CFR Part 1022 ( Regulation V ) requires furnishers to provide information that is both accurate and has integrity, conducting reasonable investigations of consumer disputes.

Deviation from Metro 2 compliance standards, as outlined in the XXXX, jeopardizes the integrity of the data and can affect the accuracy of federally regulated reports. Therefore, I am exercising my rights to challenge these inaccurate and non-compliant items. Ignoring my demand would indicate a disregard for my consumer rights. 

It is unfair for you to report information that lacks confirmation of its ethical nature and compliance with certified reporting standards. I challenge these claims and request proof of proper reporting standards.

Your actions are violating my rights, and I have outlined concerns about your reporting in this document. If not addressed in compliance with FCRA/Metro 2 standards, I will escalate these issues to the CFPB, FTC, and my Attorney General.
Consumer complaint received 2024-01-18
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 (NY)

I have contacted Capital One on numerous accounts. I first called on XX/XX/2023 to see if I could find more information regarding a fraudulent credit inquiry.

Was repeatedly told there was nothing out of the ordinary with my accounts and that there was nothing suspicious noted. My account is actually fine. I explained that there was a hard credit pull initiated on XX/XX/2023 from a unknown phone number which appeared in my credit reports and that I would like to remove that from my credit history. 

I was told to contact the credit reporting bureaus ( which I did ) and discussed the matter with a representative from XXXX, XXXX, and XXXX. They explained the bank should resolve the matter but if not I needed a letter from Capital One authorizing the deletion of said credit inquiry. Capital has yet to comply and sent me a letter explaining how my current account is in good standing ( which isn't what I asked for ). The bureaus then explained that I need to send both a letter from Capital One and a separate authorization letter to remove the latest credit inquiry. Currently in the process of mailing letters of proof to get my initial letter to then pass on to the bureaus. A lot of he said, she said and sending the consumer ( me ) in roundabout circles when no one will provide action or support and just have me keep sending letters and letters of evidence when its clear on their end because if I can access this information, all parties are privy to it as well.
Consumer complaint received 2024-04-06
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. (FL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2021-05-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

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 2024-01-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (OH)

I was unaware of a debt protection fee ( a 3rd party company from the Best Buy card through Citi Bank ) or remember ever signing up for one. Apparently the company got back to me saying I've been enrolled ever since XXXX and any of the amounts I was charged is non-refundable. The amount charged varies because of the revolving balance I've had throughout the years I've had a Best Buy card. I only have statements from one year ago ( XXXX XXXX - XXXX XXXX ).