davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Remove late payment from XXXX and XXXX of XXXX  for XXXX XXXX XXXX XXXX for credit card ; this company is in violation of 15 USC 1681 15USC 1681b 15 USC 1681 ( 2 ) ( a ) ( i ) 15 USC 1681
Consumer complaint received 2024-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (PA)

My name is XXXX XXXX I need these issues resolved first issue I can't connect my debit card to my XXXX XXXX when I try I get this error message saying to contact card issuer when I did they can't fix it or XXXX support can't fix it and when I try to link my bank account to XXXX using link it by Wells Fargo login don't work it say this We're sorry. We're not able to process your request right now. Not linked WELLS FARGO Checking XXXX This account needs a little help to link it. Contact us and we can help with that, or you can link a different account. And also I can't add overdraft to my checking account I wanted added please added it to my account when I try to it say this There are no eligible options available to protect this account. 
Overdraft Protection Not Available and when I was at branch location XXXX XXXX XXXX XXXX XXXX XXXX phone number is XXXX and XXXX and fax is XXXX and 24 hour cust svc XXXX XXXX XXXX supervisor name was open my checking account is XXXX XXXX and her email is XXXX but I need a saving account opened she never open a saving account for me and I need also overdraft protection added to the saving for me too I need this my every day checking account to be changed to Premier Checking account with the same account number and router number and saving account by type saving account is XXXX if y'all can't change my checking account type or swipe it to a new account type for the checking with the checking with the same checking account number and router number or Merge it under a new checking account type with the same account number and router number or give me the latest checking account type y'all have with the same account number and router number for the checking account she never tell me the promo y'all have or bonus y'all have I want this to be apply to my old checking account or new checking account Everyday Checking with {$300.00} bonus offer Offer expires XX/XX/year> and wave the {$25.00} open deposit for my new checking account and saving account that was never open in the branch for me by my request when I ask for one and also send my son a debit card to because she told us he cant get one only I can get one because I am his payee for SSI and his name is XXXX XXXX etc please contact me at XXXX and contact me at XXXX XXXX
Consumer complaint received 2024-04-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (MN)

On XX/XX/XXXX XXXX XXXX I sent money to a person who said they were selling me tickets. So I did just that. It was on chime to another account on chime. I thought that you had to be verified to use a chime account so I assumed that this was real. 
I sent over XXXX $ to a chime a user XXXX And then they never gave me the tickets or my money back. I called chime to report the account and have my funds returned to me. But they said they could not give me my money back and they could not give me the information of the other person. They could only send me my own bank statement. But Id have to wait till the next day. 
I wasnt helped I didnt get my money back.or a real resolution to this. This other person has my information and money. I thought chime was a safe bank.
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (TX)

We have been a card holder with discover nearly 30 years and have not had any issues prior to the past XXXX months. On XX/XX/XXXX a payment posted to the account for the amount of {$1.00}. A few days later a reverse transaction showed up for {$950.00}. We noticed it on the next statement and asked what it was for. They told us we reversed a payment to our XXXX bank account. We have never had a XXXX account and disputed this transaction. After a 2 hour phone conversation they finally agreed to give us credit on XX/XX/XXXX. The charge appeared again on XX/XX/XXXX and after another call the amount was refunded again on XX/XX/XXXX. We began watching the account closely and this process repeated again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and at that time we request the account be credited and a written statement be sent to us confirming this action. We did receive the notice but the verbiage was not conclusive indicating additional charges could post to the account. The charge did repost multiple times after this requiring us to call again and again to get it credited. To this day the activity still continues and is posting to the account and on the statement of the closed account. We have since stopped the automatic payments of the balance but fear our credit could be impaired if we fail to continue checking it and calling for a reversal.
Consumer complaint received 2023-08-03
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. (TX)

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 accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 correct : 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
Consumer complaint received 2024-04-21
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Neon Newco Corporation (CA)

I am submitting a complaint against Netspend after reaching out to the IRS and conducting a refund trace, which revealed that my refund was not offset. The IRS investigation confirmed that my refunds had been sent to Netspend. I had XXXX accounts with Netspend- I was unable to access the first account due to forgetting my login information, so I created a second account. Due to my relocation, I did not receive cards for either Netspend account. Both accounts had direct deposits, but I have not received any funds from the first account after disputing both accounts for fraud. Netspend intentionally misclassified the dispute for the first account as an error for XXXX direct deposits totaling a lil over {$3000.00} each. The dispute for the other Netspend account was correctly labeled as fraud, and I have received some of the funds from that claim via a check.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (CO)

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX XXXX XXXX XXXX ACCOUNT I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data.

My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter.

Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Consumer complaint received 2024-05-29
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: SoLo Funds Inc. (NJ)

SOLO Funds- platform crashed after update making all information vulnerable - loans are not being debited, credited, or paid back - now I can't log in - SOLO is definitely stealing customers money and one day will be MIA - this company needs to be shut down before a lot of peoples information is either sold or stolen and their money is never to be recovered - customer service is not approachable and answers with generic falsity 's - shut down SOLO!!!!!!
Consumer complaint received 2023-01-03
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: Experian Information Solutions Inc. (CA)

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  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 instruction.

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 2023-01-03
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: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-03
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)

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : {$2800.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$46000.00} ; XXXX XXXXXXXX Balance : {$5000.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX
Consumer complaint received 2023-05-24
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: Experian Information Solutions Inc. (OH)

The username ( which is an email address ) that is associated with my account ( according to my birthdate and SS # ) is not mine. Experian permits me no means to communicate with them. I need this resolved. I filed this issue XXXX  months ago.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (GA)

Was in a wreck, Had full coverage and gap insurance. US auto sales went out of business and put XXXX on my credit that gap was suppose to take care of. I have seen my Gap contract, it was active when the car was not totaled. I am very hurt and opposed and quite sickened because of this.
Consumer complaint received 2024-05-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

After multiple attempts to get information over the phone with Bank of America, I made a request in writing for all of the documents and information available regarding the establishment and/or use of a Credit Card that was establshed in my name between XXXX & XXXX of XXXX. 
I made sure to include a copy of my State Driver 's License, a photo of my holding said license, a copy of the local police report and a copy of the Federal Trade Commission 's Identity Theft report. I also included a copy of Section 609 ( e ) of the Fair Credit Reporting Act which outlines the requirements of creditors to provide this information to victims upon request - both free of charge and within 30 days of receiving the request. I sent the requst via Certified Mail and it was received by Bank of America at the address they provided on XX/XX/XXXX. As I file this complaint it has been XXXX  days since they received my request and I have gotten no response from them whatsoever.
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was alerted to a hard inquiry on my XXXX credit report by Bank of America. I called BOA to find out an account ( XXXX XXXX XXXXXXXX XXXX ) was opened under my name, under an address I've never lived at ( XXXX XXXX XXXX, XXXX, FL XXXX )
Consumer complaint received 2021-03-17
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. (TX)

My credit report shows inaccurate and unverified inquiries from multiple sources. I have reported the issue to Equifax on XXXX/XXXX/2021 via phone and XX/XX/2021 via certified mail. Equifax has not validated the inquiries and/or removed them. Equifax is violation of the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), by not providing complete and accurate reporting at the request of the consumer.
Consumer complaint received 2022-12-22
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: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

JPMorgan Chase Bank restricted all my accounts and are due to close soon. I need access to my funds immediately. I have a little over {$1000.00} in my savings account ( restricted ) and {$30.00} in my joint checking account. I was told by a bank representative that a cashier 's check would be mailed out soon. I am going through a financial hardship right now, I have not paid my rent due to Chase Bank restricting my funds. I am filing this complaint in hopes to get my money IMMEDIATELY.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (NV)

I recently obtained an insurance quote, and then attempted to get a copy of my latest insurance report from Lexis Nexis. However, Lexis Nexis is saying that my information doesn't match ; which doesn't make sense because my information has not changed since I last received a copy of my insurance report from Lexis Nexis, back in XXXX. 

Lexis Nexis is now demanding additional documentation ; but the letter I recently received from Lexis Nexis, on XX/XX/XXXX, states that, " additional documentation is NOT required for a consumer to request their file. ''
Consumer complaint received 2024-05-24
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. (OH)

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. 

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX - XXXX {$260.00} XXXX - XXXX {$400.00} XXXX XXXX  XXXX {$400.00} XXXX XXXX XXXX {$2000.00} XXXX  - XXXX XXXX - XXXX {$660.00}
Consumer complaint received 2022-12-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

I was effected by the pandemic and went on a forbearance plan, during the plan I was told consecutively on the phone that I could at the end of the forbearance plans that I could role the amount owed to the end of the loan and proceed with my normal payments. Although they continued to raise my mortgage during the pandemic. XX/XX/2021 I called to proceed with my new raised mortgage payment of XXXX, was told that I couldn't make that payment because I had to make the total forbearance payment in the area of XXXX dollars to bring account to current status. Was told that the owner of my loan would not modify my loan because I exceeded the total amount that the owner would allow. This being after several modification applications submitted. I payed XXXX XXXX XXXX firm to help and they didn't help at all. I need my loan modified or refinanced been in this home for 17 years and it has plenty of equity in it. I want to keep my home.
Consumer complaint received 2023-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Berlin-Wheeler, Inc. (Kansas) (AZ)

I am deeply frustrated with Berlin Wheeler, the collections agency, for their unwarranted actions. Despite my efforts to provide them with the bankruptcy case number that proves the debt from XXXX XXXX was discharged in 2020, they not only rudely rejected this evidence but also threatened to report the account to my credit report. This situation is both distressing and unjust, as their actions show a lack of respect for proper procedures and a disregard for accurate information.
Consumer complaint received 2018-04-12
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Credit Bureau : TransUnion Credit Bureau : XXXX XXXX XXXX XXXX, PA XXXX Credit Bureau : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX, and I noticed an unauthorized inquiry had been made. 

I contacted TransUnion & XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into TransUnion & XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX