davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I've applied for a checking account online using promo code XXXX on XX/XX/2023 which was publicly available at the time, and uploaded my driver 's license as instructed at the end of the application. On XX/XX/2023, I've received a follow-up email from Capital One asking me to finish the process using Application ID XXXX which I did promptly. It did look like my account has been opened on XX/XX/2023 after I've completed everything that was required. However, unbeknownst to me the account would be restricted the very next day on XX/XX/2023 as an email from the bank arrived again asking me to complete ID Verification. It did seem a little strange for the bank to ask for something I've already provided, however I decided to give it one more shot by uploading the driver 's license again on XX/XX/2023. Unfortunately no response came back from Capital One ever since and my account remained restricted.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXXXXXX 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 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 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 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 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 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 2023-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (AZ)

My Wells Fargo credit card was hacked so a new card was issued. The old card had an end of cycle balance of {$570.00} ( XXXX XXXX ). I paid my account balance in full, INCLUDING the previous balance of {$570.00} with a payment to Well Fargo of {$2400.00} on XXXX XXXX. In spite of the previous balance being paid in full, the {$570.00} previous balance was transferred to my replacement card on XXXX XXXX. 
I spoke to XXXX different people at Wells Fargo by phone with no resolution. They forwarded it to their " Escalations Representative '' who claims to have called my wife this morning, but we have no record of any such phone call. He closed the case XXXX hours later with no further attempt to contact me. They had my phone number available as well as my wife 's number. 
I am quite frustrated at Wells Fargo 's failure to resolve such a simple issue, their attempt to double bill me, and their failure to contact me before closing the case.
Consumer complaint received 2023-01-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you 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 2023-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (VA)

Today 's date is XX/XX/2023. Over the past week I have attempted several times to log in to my Chase credit card account to monitor activity and download statements to my personal accounting software. I have been presented with the requirement of agreeing to two different agreements in order to access my information. The first is the Online and XXXX XXXX XXXX and Consent Agreement. This establishes whether I'm willing to receive electronic communications as opposed to paper communication. I'm not especially happy with it but I would agree to it. The second agreement is the Digital Services Agreement, which is 128 pages of legal jargon that is apparently intended to obfuscate any issue while you sign away your rights to any paper documentation about any of your accounts. It also states that in order to use their services you must have a computer or other device capable of receiving electronic communications, a connection to the internet, and software capable of communicating with their system. They state clearly that regardless of which preferences you have indicated they may just decide to send any communications to you electronically. Apparently we no longer have a choice. It also says if you choose not to agree to the stated terms you will not be able to access your information on their digital platform. 

I have called customer service for Chase and been told that I must agree. When I demurred I was routed to the next level of customer service. I was then routed to the next level of customer service where the call was disconnected. I tried calling back and was told that they could not understand what I was saying. Unfortunately I do not have the resources to terminate my relation with Chase or I would do so immediately. 

It is apparent that Chase does not expect anyone to actually read this agreement. They expect people to automatically agree to get access to their information. I do not agree. I will not agree. But there must be a way for me to get the information I need. Chase is not forthcoming with instructions to help me.
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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 2023-11-03
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: SANTANDER HOLDINGS USA, INC. (NC)

I have been making requests to further investigate the accounts referenced in the attached letter for the last 6 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Consumer complaint received 2022-12-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (OH)

i purchased the basic home doorbell video security system from XXXX  security XX/XX/XXXX i used my usbank reliacard which had my unemployment benefits. i received a call from XXXX saying i could save on a upgrade.i asked if there is sound and video. and not snips of pictures put together and she said yes. a free,XXXX security kit with professional monitoring x 1 with XXXX complete. {$110.00} cost i saved {$47.00} i paid {$76.00} order # XXXX it was no video or sound, i canceled with a email thinking it was cancelled and a year later XXXX charged me {$100.00XXXX XXXX said they would refund me {$100.00} but never did. i called prepiad dispute resolution XXXX XXXX XXXX XXXXXXXX fl XXXX the dispute department. claim # XXXX card id # XXXX.i told them what happened and they found no error. they mailed me two letters dated XX/XX/XXXX XXXX
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I have an accounts with a bank that has a late payment showing that was never late. I've been set up on automatic payment and no way could've missed any payment. The company has not removed the one late payment, I like the card and have been a great client for them but It is keeping me from getting a home loan. Pease help me to get this removed as it is not there due to my mistake.
Consumer complaint received 2023-11-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NE)

I had filed a dispute for a {$200.00} transfer when my phone had been hacked and used all payment methods to send them money including Pay Pal when I had called again they told let at other person win the dispute and now I owe the money.
Consumer complaint received 2024-04-01
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. (FL)

I FOUND THOSE 3 FRAUD INQUIRIES AFTER VIEWED MY CREDIT REPORT. DELETE THOSE FRAUD INQUIRIES XXXX XXXX INQUIRY DATE : XX/XX/2023 XXXX XXXX XXXX INQUIRY DATE : XX/XX/2023 XXXX XXXX INQUIRY DATE : XX/XX/2023 ALL THOSE FRAUD INQUIRIES WAS NOT AUTHORIZED AND SHALL DELETE FROM MY CREDIT REPORT.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX, Unit XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX SSN ( last 4 ) : XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Subject : Formal Dispute and Request for Immediate Deletion and Validation of Account : XXXX  XXXX Dear CFPB, I am writing to formally dispute the following account listed on my credit report from Experian. I have never opened or authorized the account described below, and I am demanding its immediate removal from my credit report. Despite having been in great standing with all of my correct and verified XXXX XXXX accounts, this account does not belong to me. I have disputed this account on multiple occasions and have not received any proper validation from the credit bureaus or the creditor. 

Disputed Account Information : Account Name : XXXX XXXX Account Number : XXXX Credit Bureaus Involved : Experian Date Opened : XX/XX/XXXX Current Status : Collection/Chargeoff Balance : {$0.00} Comments : Account was in dispute - now resolved - reported by subscriber. Unpaid balance reported as a loss by the credit grantor. 
I have an impeccable record with my legitimate XXXX XXXX accounts, all of which are in good standing. This disputed account is clearly an error, and I am requesting immediate validation of the account or its deletion from my credit report. 

As per the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the legal right to request the following : FCRA Section 611 ( 15 U.S.C. 1681i ) : The right to dispute inaccurate information and have it corrected or removed if it can not be verified.

FCRA Section 609 ( 15 U.S.C. 1681g ) : The right to request original signed documentation or proof of the debt 's validity.

FDCPA Section 809 ( 15 U.S.C. 1692g ) : The requirement that the debt collector provide validation of the debt upon request, or cease collection activity if they are unable to validate.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : Creditors must accurately report information, and if they are unable to verify the information, it must be deleted. 
This letter serves as a formal request for the original creditors signed documentation or any other proof demonstrating that this debt belongs to me. Should this documentation not be provided within the legal timeframe, I demand the immediate removal of this account from my credit report. 

As of XX/XX/XXXX, I have received no communication regarding my previous disputes, violating my rights under the FCRA and FDCPA. I urge the CFPB to ensure compliance with these laws and facilitate the removal of this erroneous account from my credit file. 

Thank you for your attention to this matter. I trust that the CFPB will take swift action to ensure the resolution of this issue in accordance with federal regulations. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OK)

I looked at my credit report from Experian yesterday ( XXXX ) and noticed some things wrong and not being reported right. The following accounts have inaccurate and incomplete information : XXXX XXXX  ( Acct : XXXX ) XXXX XXXX of the XXXX ( XXXX ) According to the Fair Credit Reporting Act, those listed above have violated my federally protected consumer rights and confidentiality under 15 USC 1681 . Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information in concern to the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5, they are supposed to do this : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any re-investigation under paragraph
( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2, they are not to furnish 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 2024-10-03
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. (FL)

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.

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 XXXX  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 2023-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (CA)

Since XX/XX/XXXX, I have been trying to get the money that was taken from my account. Someone stole a mobile device that had all my bank account info on the device, allowing access to my account in which someone used to make purchases and transfer money out of my account. As soon as I had realized that transactions were being made without my authorization, I locked my card and transactions were still made even though my car should have been locked. I filed disputes with credit karma immediately, after customer service argued for hours, hung up on me. Then I receive an email saying that my disputes were denied. It stated that there was no errors made, but that is wrong. The transactions I disputed WERE NOT MADE BY ME, they were made using a device that was stolen. I did not give authorization for those transactions to be made which resulted in thousands of dollars being taken from my account. Not to mention the fact that throughout this process, I have lost a lot of money, lost access to my account, and could not even have the money that I had left transferred to anywhere else even though my account was clearly at risk. They offered no resolutions, no solutions or other options of any kind. They have the worst customer service, extremely rude, and unprofessional.they continue complicating things, giving the run around
Consumer complaint received 2023-11-03
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. (IN)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Unit XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX SSN ( last 4 ) : XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  D.C. XXXX Subject : Formal Dispute and Request for Immediate Deletion and Validation of Account : XXXX Credit Bureau Dear CFPB, I am writing to formally dispute the following account listed on my credit report from both XXXX and Experian. I have no knowledge of or association with this account, and I am demanding its immediate removal from my credit report. I have disputed this account on multiple occasions and have not received any proper validation or communication from the credit bureaus or the creditor. 

Disputed Account Information : Account Name : XXXX Credit Bureau ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Credit Bureaus Involved : XXXX XXXX Experian Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ) Current Status : Collection/Chargeoff Balance : {$660.00} Comments : Account information disputed by consumer, meets FCRA requirements. 
This account does not belong to me, and I am requesting immediate validation of the account or its deletion from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the legal right to request the following : FCRA Section 611 ( 15 U.S.C. 1681i ) : The right to dispute inaccurate information and have it corrected or removed if it can not be verified.

FCRA Section 609 ( 15 U.S.C. 1681g ) : The right to request original signed documentation or proof of the debt 's validity.

FDCPA Section 809 ( 15 U.S.C. 1692g ) : The requirement that the debt collector provide validation of the debt upon request, or cease collection activity if they are unable to validate.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : Creditors must accurately report information, and if they are unable to verify the information, it must be deleted.

I am formally requesting proof of validation from the original creditor or any legally binding documentation that proves this debt is mine. If this documentation can not be provided within the legal timeframe, I demand the immediate deletion of this account from my credit reports. 

As of today, XX/XX/XXXX, I have received no communication regarding previous disputes, which violates my rights under the FCRA and FDCPA. I request that the CFPB intervene to ensure compliance and resolve this matter swiftly. 

Thank you for your attention to this issue. I trust that your office will take appropriate action to enforce these regulations and remove this erroneous account from my credit file. 

Sincerely, XXXX XXXX