davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OK)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2022-11-25
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 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 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 2021-05-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (TX)

I sent a wire transfer from my savings account at Wells Fargo through online banking on XX/XX/2021 in the amount of {$5000.00} to a title company to assist my daughter with funds to close on her mortgage loan. Wells Fargo also charged me a {$30.00} wire transfer fee. The wire transfer was never received by the recipient bank. Wells Fargo has not contacted me at all to say if there was a problem or if they needed more information. Wells Fargo is just holding my funds. I have spent many hours on the phone with customer service, online customer service, online claims, the wire transfer department, customer advocacy and even went into a bank branch. I have sent several emails to various departments that I thought might be able to help. I have been informed that Wells Fargo is holding my money but none have been able to resolve this problem or have the funds either sent to the intended recipient or returned to my account.
Consumer complaint received 2023-09-11
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. (PA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-04-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (GA)

On XX/XX/XXXX I was rear ended by a gentleman in XXXX Georgia. His insurance company and mine cited him as at fault. The claim number is available with XXXX. After visiting the XXXX XXXX in XXXX XXXX XXXX, I was ensured that the bills would all be covered by XXXX. As of XX/XX/XXXX the check from XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  was CLEARED. Unbeknownst to me, several months later, the XXXX XXXX XXXX XXXX XXXX had sent that same bill for the amount of {$800.00} to collections. It has shown up on my credit score three times now. Each time I have resubmitted the documentation stating such, and it was removed. Now, however, Wakefield Associates, who has been very understanding and helpful this far, reported this bill yet again. They produced a letter to the credit bureaus ( XXXX, XXXX, and XXXX ) and I still have the receipt from XXXX showing the paid in full amount of {$800.00} on XX/XX/XXXX, but XXXX did not reverse this debt when I disputed it this time. I am concerned that XXXX XXXX XXXXXXXX XXXX XXXX is continuing to harass me and affect my credit score, as well as having never sent me a bill, and have not provided me with any contact information so that I may send them the receipt from XXXX. They come across as a medical scam agency. There is no contact information online that leads to anyone at XXXX XXXX XXXX XXXX XXXX Wakefield and Associates does not have that information, and XXXX XXXX XXXX, where I received care after the accident, does not have any contact information for this supposed billing or representation group for the doctor I supposedly saw after the accident. Im 100 % not liable for this {$800.00} bill, and it is causing me undue hardship, as I am trying to increase my credit score and I am tired of getting new collections bills from a different agency every time this company isnt able to collect. I have documents for every part of this complaint and can fully prove that I am not liable, yet XXXX XXXXXXXX XXXX XXXX XXXX remains unreachable for me to even attempt to have that company remove this debt that I do not owe.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IL)

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 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 informationisinaccurate.
Consumer complaint received 2023-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: FIRST NATIONAL BANK OF OMAHA (CA)

Just received a credit card in the mail ending XXXX, FNBO getaway card, I can not see a Arbitration rejection agreement, please see all the documents I received regarding this card.
Consumer complaint received 2023-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This my the second complaint against Capital One Bank.Case number is XXXX was closed. 
I received letter with all information about sender and recipient details.Someone opened a fake email address and a fake phone number in my name that I never had.In response to my request call XXXX XXXX customer service at XXXX to make sure that I never had an account with them.I had to call Capital One Bank several times to explain the situation why was the money withdrawn and no one notified me. When in the month of XXXX I demanded that money should never be send through the XXXX XXXX money continued to be withdrawn from my account.I ask you to seriously deal with the current situation. Currently many thousands of Americans are suffering from loss of money because personal information is stolen. Instead of the bank helping their customers to return the money, they take the side of swindlers and scammers. 
Thank you.
Consumer complaint received 2024-04-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (LA)

I received a letter of collection for a credit card debt from XXXX XXXX. With a card used from XXXX XXXX in XXXX or XXXX XXXX with my name and information without any of my knowledge. 
I also was a victim of identity theft in 2023 which could have resulted in this happening. 
The account was used in XX/XX/year> and through XX/XX/XXXX in XXXX XXXX mainly at a XXXX super center with an account ending XXXX. I live in XXXX XXXX Louisiana. The credit collection XXXX XXXX XXXX XXXX XXXX XXXX XXXXs asking to pay a debt that is not mine for {$9700.00}. XXXX  Account # XXXX. Which I first found out about this XXXX XXXX.
Consumer complaint received 2024-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (AK)

Every time I get into my account, I'll see transactions pending and posted on a certain date ... a few days later, I'll go back into my account and notice the dates change and another transaction has been taken out again, this has happened to my account sever times.
Consumer complaint received 2024-04-25
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX, my husband and I went to a Citi branch to deposit XXXX checks we had received from the sale of our home. Both checks had clear issuer and title and reason. A new savings account was recommended by the executive and checks were deposited without issues/warnings. 
The next day, we wanted to take money out to pay our moving company and found out all our accounts were blocked. We immediately called customer service and advise it was on hold for 24-48 hrs. Two days later still the same. Third day we went to a citi branch to see if an actual person could solve this, we went with all proof needed and nothing was done, they also had to call fraud dept. XXXX spoke to two different people, one advised the accounts were close and the other said they still were validating checks. Nothing has been done and our money is nowhere to be seen.
Consumer complaint received 2023-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc (FL)

XXXX ) On XX/XX/XXXX, they debited me XXXX euros for an email program in XXXX that I use. 

Paid with ( XXXX XXXX XXXX XXXX  ) {$23.00} on XX/XX/2023 Exchange rate {$23.00} USD = XXXX EUR XXXX USD = XXXX XXXX XXXX XXXX XXXXXXXX XXXX. payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Purchase details Purchase amount XXXX EUR Total XXXX ) the XXXX euros came up to XXXX, as you can see. From their own account. 
Then they debited me for the same service {$23.00} ( not in euros, but in dollars. ) there was no money in the account. So now I am negative {$23.00} XXXX ) then they went ahead this morning and charged on my other debit card ( XXXX ) {$23.00} So I have paid 3 times for the same service The attachement in red is PayPal And the attachment in black is from XXXX 
As you can see I am paying three time for the same service. 
XXXX  is saying PayPal direct debited them. They have nothing to do with it
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX Account # XXXX However they stated everything was complete and accurate. How is that possible if the open date, date of last activity and much more is incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! 

XXXX  Account # XXXX THE BUREAUS WROTE ME BACK AND TOLD ME THEY ARE NOT REPORTING THIS ACCOUNT ON MY FILE WHICH IS A LIE!!!!! I WILL SUE IF ITS NOT REMOVED These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY. 

Also they aren't in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Consumer complaint received 2023-09-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2023, I received a phone call on my cell phone that was incoming with the name Chase Bank. A number I had plugged into my phone when I originally opened my checking account as it had the emojis that I listed with the number in my phone. The person on the line said they were from Chase and that my debit card had been compromised and that they were going to issue me a new one. I am a XXXX XXXX and when they called I was working and distracted and the person on the line asked me to verify my last XXXX of my social security number which I provided. They asked for my pin and I gave it to them. They said I would receive a new card shortly. The next day I checked my account and someone had withdrawn {$6000.00} from my savings account. I called the fraud department and they informed me that someone had added a debit account to my wallet on my XXXX  and that they would remove it from my phone. This person withdrew XXXX {$100.00} withdrawals from an ATM and Chase never notified me once about these withdrawals that happened one right after another which should have been a red flag to begin with. 

Chase initially refunded my account while they investigated and then when they were done they took back the money and said since I provided the PIN number that there was nothing they could do. How about protecting the customer. Whenever I shop at XXXX time Chase will not approve of some of my transactions until o call and verify. I don't understand how someone can make that many withdraws at an ATM and Chase not notify me. We put trust into a financial institution to protect our money and have safeguards in place if someone is trying to commit fraud against you. {$6000.00} is a lot of money that I worked hard to save. They also have the debit number which was attached to my wallet that did the crime. This crime occurred because a person was able to add a debit card to my XXXX wallet and use it to steal {$6000.00} at a ATM and Chase acknowledge that there were XXXX cards attached and had me verify mine and also my boyfriends card which I knew were on there and they said there was a third that I did not know whose it was, so Chase removed that card from my wallet and never did anything with that information. I filed a police report and this is information that can help catch the criminal that stole from me. I feel like Chase is not doing anything to help me get my money back nor did they protect me from this criminal act.
Consumer complaint received 2023-12-22
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)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2021-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY (CO)

Very simple : I applied for the AMEX Gold card and was somehow approved for AMEX Platinum. I brought up as much with customer care, who seem XXXX on either having me keep a card I didn't want or having me cancel and reapply for Gold which of course would have my credit hard pulled again. 

They insist that they can do nothing more, which I am certain isn't true, and refuse to do anything more about it besides a 6-8 week investigation. During which, I am stuck with a card I never asked for and a credit ding with no new card. 

They have made no meaningful effort to correct this issue.
Consumer complaint received 2022-12-13
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. (FL)

The credit bureaus never did a proper investigation according to the FCRA. 

The term investigative consumer report means an consumer report or portion thereof, in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this. 

Also, they have violated my rights even more. 

In accordance with the fair credit reporting, everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated, but how is that possible if the date opened is NOT accurate, date reported is NOT accurate, the date of last activity is NOT accurate, and date last reported is NOT accurate, account status is NOT accurate, and the original creditor name is NOT accurate. 

This is grounds for removal. In accordance with the Fair Credit Reporting act. The Account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : 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 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions I did not give anyone my written instruction 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 2023-08-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (FL)

A company named XXXX XXXX XXXX, XXXX sent a fraudulent debt to a collection agency, Wakefield & Associates to collect from me. When I reached out to W & A they stated the debt initiated from XXXX XXXX  XXXX in XXXX, FL. When I called the hospital they stated I had no outstanding debt with them and they do not and have never used XXXX XXXX XXXX. I spoke with XXXX @ XXXX XXXX  XXXX billing department ; their number is XXXX ext XXXX. W & A is still trying to collect a fraudulent debt from me. When I first received the collection I contacted W & A asking for proof. What I received was a unprofessional & clearly made up invoice from XXXX XXXX XXXX. I am attaching the correspondence I received from XXXX XXXX XXXX
Consumer complaint received 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (NY)

I called the credit card number and was directed to XXXX from the XXXX XXXX XXXX. I explained to her that I was in the hospital last month when my auto payment was initiated. I explained that I had no access to my device to use the app or to make a call. I was unaware that I did not have the fund at the time for my monthly payment which I have made on time for more than XXXX consecutive months. They claim they are a human banking institution. They don't try to understand their client situation if the role was reversed, they do not educate about the reason why this fee can not be refunded at all. 
Also they change their fees and I do not think that I have received some type of communication letting me know about the change in price of the fees and also informed me of the fees that could be associated with my account. I have not experienced this kind of fee with my other institutions where i have my major credit cards like XXXX XXXX  and XXXX XXXX XXXX