davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-28
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 submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly discard the following accounts immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-24
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.
Consumer complaint received 2020-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One Bank has failed to comply with The Equal Credit Opportunity Act ( 15 U.S.C.1691 ) by denying to increase credit limit due to social security income ( SSDI ) ( SNAP ) ( SSI ) and previous complaints file with the consumer protection bureau. 

Capital One Bank has allowed a fraudulent transaction made by XXXX to proceed after multiple transactions was declined due to the credit limit and because he exercise his rights under the Equal Credit Opportunity Act 15 USC SECTION 1691, Fair Credit Reporting Act and the Fair Credit Billing Act. ( Consumer protection law ) The cfpb amended regulations B to reflect the Dodd Frank Act. Each complaint that was filed with the cfpb was in good faith never the last Capital One Bank has allowed a fraudulent transaction to process over the credit limit after declining multiple transactions with a 30 days period from XXXX. 15 USC Section 1691 ( a ) ( 3 ) The consumer didn't authorize XXXX  to proceed with the transaction after Capital One Bank declined the transaction on multiple occasions in the month of XX/XX/XXXX. Please see the attached email from Capital One regarding the credit limit. 

The consumer has filed a lawsuit against XXXX and will be doing the same thing with the credit Capital One Bank. 

Capital One Bank has declined to increase the credit card limit due to the income verification from social security. ( 12 CFR section 1002.6 ( b ) ( 2 ) and 12 CFR Section 1002.7
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BETHPAGE FEDERAL CREDIT UNION (NY)

I called the credit report agencies and let them know the late payments documented were not supposed to be visible on my consumer report. I never gave them written consent to report them.In pursuant to 18 U.S. Code 1028A-Aggravated identity theft Section 1.
Consumer complaint received 2024-04-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: January Technologies, Inc (TX)

I started receiving emails from a collection agency called XXXX at January since last year. I thought to believe they were scam emails. So I didnt pay them no mind. When my income tax return was taking for owed debt. I started investigating. I called the collection agency XXXX at January and asked them who were they trying to collect a debt for, and they told me for XXXX XXXX XXXX. I called XXXX XXXX XXXX and told them that I didnt get anything financed through them. They told me that I had gotten furniture financed from XXXX XXXX XXXX in XXXX. So they gave me the address and phone number to the furniture store. I went and talked to the store manager about when did I take furniture out. He gave me a copy of the contract that was signed. I made a police report with the XXXX Police Department and they sent me this email to file a complain.
Consumer complaint received 2016-05-02
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY ()

I have a bank account with Wells Fargo which are charging me fees so I want to close it and transfer the money to XXXX XXXX XXXX. When I originally tried to transfer the money disappeared, I contacted them and they said a bank check was sent ( which I did n't ask for ) and that they have to request it back which is going to take 10 business days to have the money in my account. First of all why are they doing a bank check when I am sending an electronic transfer? Anyway after some time the money appeared. I tried to transfer again, then I could n't because on-line banking would n't allow a transfer then I kept at it and find away to add XXXX as a bill payee. So, I tried to send a transfer then it said I did n't have enough money, then I figured out they were taking {$3.00} to transfer to I made it less. Almost at the stage of transferring and it says I need an access code to my mobile. Well I do n't have a XXXX XXXX anymore because I am in XXXX XXXX now. I tried to change my personal details and it wont let you change the number to XXXX. I then had to contact International toll free number, then it says you ca n't ring on a mobile! So I have to find a land line to use. I find one then the guy says to me I ca n't transfer it, that he ca n't give me an access code because I do n't have any security questions on file! I just ca n't believe the hassle with this, how hard is it to get my money out of this bank and put it in another. I have many bank accounts around the world and this is the only bank that at every step is stopping me taking my own money out. Also, they keep charging me fees. It 's two months now since I tried to take the original amount out. So, the operator says I may have to do a bill payment, when I go to set it up its says I ca n't. At this stage I 'm just so angry and having sent numerous emails to Wells Fargo with no proper solution I go in and change the mobile number to my friends. Well when I go back in to do the transfer, they have now stopped this service. I am just so sick of this bank, all I want to do is take my money out and put it in to XXXX XXXX XXXX. Surely they deal with people all around the world, you ca n't tell me they ca n't transfer money from one bank to another when someone is XXXX!!! I 've never had any problems with my other banks. I want to make a complaint because from what I can see, they are holding on to my money and stopping me taking it out. I just want my money and be done with this shocking bank.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Solar Mosaic LLC (NC)

I called Mosaic company and cancelled my contract due to the XXXX XXXX XXXX never coming out to start the job. Mosaic ( The company ) and XXXX XXXX of XXXX home remodeling ( The XXXX ) both agreed to cancel the contract and not have it report to the credit bureaus. On XX/XX/2022 Mosaic has since reported the account to the credit bureaus ( XXXX, XXXX, XXXX ). The account is reporting as XXXX XXXX account # is XXXX and Account/loan # XXXX. 

XXXX XXXX opened the fraudulent account on XX/XX/2022. I have spoke with both the XXXX XXXX as well as the lender Mosaic and Mosaic assured me that this information would not be reported on my credit report and thatchy would cancel the contract. 

I spoke with XXXX XXXX ( XXXX XXXX ) over at Mosaic at XXXXXXXX XXXX XXXX XXXXXXXX and he provided me with a case # XXXX regarding the cancellation of this loan and it should have never been reported to the credit bureaus.
Consumer complaint received 2023-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MN)

On XX/XX/2023 I transfer {$12000.00} from my crypto exchange company to my chase checking account. Everything seemed to have transferred properly. All I had to do was wait for the funds to be available in my chase checking account. But upon waiting I tried to log into my account on XX/XX/2023 at XXXX my account had been locked and the message read " We locked your account due to suspicious activity. Please call to resolve the issue. XXXX from XXXX to XXXX XXXX. Keep in mind : you won't be able to see your statements and notices online until we unlock your account. '' This really worried me because I thought maybe I had been hacked or something so I called right away! I spoke to one of the representatives from the chase customer protection team about the message I received. They verified my identity then the representative told me they will no longer have me as a client and my accounts are in the process of being closed. I was very confused and asked why they were closing my accounts. The representative refused to give me an explanation and said I would have to wait for a letter in the mail. This left me confused and frustrated because I have all my money in my chase checking account and they are prohibiting me from accessing my own money! The only way I can access these funds is through chase bank because is the only bank account linked to my crypto exchange company. Chase has given me XXXX to no explanation where it is or when I will be able to access it. This has been a very devastating process and I hoping you could help me resolve this issue.
Consumer complaint received 2023-02-02
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: CCS Financial Services, Inc. (TX)

Credit Collection Service Original Creditor : XXXX XXXX  Open Balance : {$300.00} Acct Opened : XX/XX/ In accordance to the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602, it specifically states that I have a right to privacy and my information shall not be shared without consent. Also, 15 USC 1681 Section 604a states that a consumer reporting agency can not furnish my account without my written instructions under 15 USC 166b. A creditor may not treat a payment on a credit card as an open end consumer credit plan as late for any payment.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (CA)

A new credit account was opened in my name by XXXX mattress company. 
There is no current amount due or owed. Was created around XXXXXXXX XXXX XXXX
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (FL)

I noticed an unauthorized inquiry was made and it has negatively impacted me. The company shows up on my credit report as CITI CARDS CBNA and it shows inquiry date as XXXX. I did not authorize this inquiry to be made. I have called the company multiple times spoke to many agents ( XXXX, XXXX, XXXX XXXX, XXXX ) every single one of them stated that they have no information of an application being submitted with them, they said it was most likely a scam I stated that I dont believe it was a scam as it is showing on my credit report. They again stated they have no information or any application and that I should contact XXXX, I contacted XXXX and they advised that they can not remove it because they need CITIBANK to send them a letter saying there is no application. I called CITIBANK again and they told me they cant send anything to XXXX because there is nothing to send, there are no records that show I made an application with them. So i would like this to be removed from my credit report as it has made a negative impact on me.
Consumer complaint received 2022-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

Have been owner of a XXXX XXXX XXXX Credit Card for at least XXXX XXXX. No problems in that time period until recently when ( apparently ) there was fraudulent activity with my card. Was told to destroy my old card ( I did ) & that Capital One ( owner of card ) would send me a new one. Have been awaiting a new card for some XXXX XXXX or so. First they said I had to prove that I was who I said I was. I sent them a photo of my drivers license, which they said was unclear, so I sent a perfectly clear one via computer link. They apparently did not like that either, so then, I sent a copy of my passport. I STILL did not get my new credit card and in addition, I got a bill from them for {$95.00} which they said was composed of {$40.00} in " fees '' & {$69.00} in " interest ''. These XXXX figures add up to {$100.00} NOT {$95.00}. I have NO outstanding balance on this suspended credit card and am wondering how this bank can charge interest on a " XXXX '' XXXX & " fees '' without any explanation as to why they would charge me a fee, since they have not done anything that I can see which should cost me a " fee ''.
Consumer complaint received 2023-05-13
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. (LA)

This is XXXX XXXX and I am submitting this CFPB complaint to dispute the accuracy of my credit report. After reviewing my report, I have identified an erroneous accounts that are negatively impacting my credit score. According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit reporting agencies to ensure that the information on credit reports is accurate and up-to-date. I am requesting that you investigate these accounts and make the necessary updates to ensure that my credit report is accurate. The following account is erroneous and should be updated and corrected from my credit report : XXXX XXXX Balance : {$0.00} - I am reaching out to request confirmation of the payment history and status of this account. Based on my own payment records, I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. However, the records you have presented do not match up with my own. I respectfully request a comprehensive investigation into this account and ask that any necessary updates be made to ensure legal and lawful accuracy. Thank you for your attention to this matter.
Consumer complaint received 2024-04-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (TX)

consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Transunion LLC is in violation of ( 6 ) Federally Protected consumer rights willfully and knowingly, so they are civilly liable. 

Please see attached affidavit of truth and exhibits attached to this complaint which has also been forwarded to my state attorney general 's office showing the violations.
Consumer complaint received 2023-05-13
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. (TX)

The credit reporting agencies are reporting a late payment for account XXXX XXXX when the company stated that they submitted an update to the credit bureaus to remove the late payment. This response was submitted to me on XX/XX/2023. The company stated that the credit bureaus would update it within 30-45 days, but it will soon be 60 days and this is still not updated. The complaint ID is XXXX where you can see the attached letter stating that they would update the credit bureaus. I will also attach the letter along with my ID. I am demanding that this account is updated within 15 days or I will pursue legal action.
Consumer complaint received 2024-04-15
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA (PA)

Around the XXXX of XX/XX/XXXX I received in the mail, eleven separate envelopes from Marcus by Goldman Sachs USA. 
Each envelope contained an individual Online Savings Account Statement for an account that I never opened or authorized. 
Each Statement was for the month of XXXX XXXX and each had a separate account number. All the statements were addressed to me at my current address and all were identical except for having different account numbers. They all showed and opening and closing balance of {$0.00}. Since I never opened any account with this company, I called their customer service number to report this and get the accounts closed. 
They agent said that they would report this to their fraud specialists, and get the accounts closed. They could not provide any info on who may have opened these accounts. At that time, I locked my credit report and sighned up for XXXX  credit monitoring and identity theft service. Since that time I have not received any monitoring alerts. Around XX/XX/XXXX, I received eleven more separate envelopes from XXXX, each dated XX/XX/XXXX. Each letter carried the header Dont forget to fund your account and stated that if accounts were not funded within 60 days of opening they would be closed. I again called the XXXX number and the said that the accounts should have already been closed, but if not they would all close soon due to no deposits. A week or so later I received eleven new statements each for the month of XXXX and each still showing {$0.00} deposits and {$0.00} ending balance. 
My complaint is that Marcus has obviously not taken steps to close these fraudulent accounts, or help determine who opened them and for what purpose.
Consumer complaint received 2024-04-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (AR)

In a 2nd attempt in trying to resolve this matter with Jefferson Capital. On XXXX I recenlty requested information with my signature obligating me to the alleged debt they claim belongs to me and that i owe. Jefferson Capital has failed to provide the requested information and therefore continues to collect and credit report which now is false misrepresentation under the FDCPA and a violation of Arkansas 4-59-101 ( a ) ( 2 ) making there collection attempt unenforceable. I did not request verification or validation of debt from Jefferson Capital.
Consumer complaint received 2023-02-02
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. (MI)

I have submitted numerous complaints to the 3 credit bureaus indicating the numerous errors being reported on my consumer reports. They all claim that they have verified that all information being reported is accurate. However, this is not the case. I am now in a position where I am unable to secure employment, buy a house, and Im unable to build up my business all due to the credit bureaus refusal to report accurately. Please remove all negative and inaccurate information in my reports. This whole situation is ruining the quality of my life and my familys. Please see attachments. The attachments display all inaccuracies and unverified information. I am not requesting any more investigations, I want everything deleted from my reports that is negative and inaccurate. Do not investigate! Delete this sh! t now!
Consumer complaint received 2023-07-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

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 attached documents and letter for referenced issues from above.
Consumer complaint received 2023-05-13
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. (TX)

The credit reporting agencies are reporting a late payment for account XXXX XXXX when the company stated that they submitted an update to the credit bureaus to remove the late payment. This response was submitted to me on XX/XX/2023. The company stated that the credit bureaus would update it within 30-45 days, but it will soon be 60 days and this is still not updated. The complaint ID is XXXX where you can see the attached letter stating that they would update the credit bureaus. I will also attach the letter along with my ID. I am demanding that this account is updated within 15 days or I will pursue legal action.