davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-09
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered part of my transactions and experiences between your company and me. 
Please fix this account : CAPITAL ONE XXXX Balance : {$670.00} Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.
Consumer complaint received 2023-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

I was caught in a rental scam. XXXX XXXX XXXX Has a home at XXXX XXXX XXXX XXXX XXXX TX listed as move in ready for rent and the home isn't livable nor are keys being given. I paid {$850.00} for deposit and first rent. The home has holes in the roof and no carpet and she has relished the home for rent to collect more payments. 

She stated that she won't be refunding then blocked my access to her. 

I reported this to chime bank and was denied a refund. I haven't been given the details on why they're being mailed out.
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. (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 2023-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NY)

I tried to make my payment on XX/XX/2023. 

There was a glitch in the system and the payment didnt seem to have gone through. So I made another payment. 

I noticed on that I have 3 pending payments. So I cancelled two of them. 

I contacted customer service through chat, who assured me that only one payment went through. ( see screenshots ) However, no payment went through and I was charged a late fee. 

I would like the late fee refunded because I tried to make my payment in good faith. 

I contacted AMEX through chat and phone and no one was able to help me.
Consumer complaint received 2017-07-17
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: Nelnet, Inc. (FL)

I PULLED MY CREDIT BUREAUS REPORT AND SEE FRAUDULENT ACTIVITY ON MY CREDIT REPORT INFORMATION IS INCORRECT. THE INFORMATION ON ALL CREDIT BREAUS DOES NOT BELONGS TO ME. ACCOUNT SHOWS FOR A   XXXX   XXXX  . MY NAME IS   XXXX   XXXX  L. THE NAME/INFORMATION ON CREDIT REPORT SHOWING AN "   XXXX   XXXX   '' ..
I SENT OVER THE POLICE REPORT AND A SIGN AFFIDAVIT FROM THE IRS RECOGNIZING THAT I AM A VICTIM OF IDENTY THEFT TO " ALL '' THE CREDIT BREAUS. FOR MANY YEARS AND AS OF RECENT, I ' HAVE BEEN DISCRIMINATED AGAINST AND JUDGE UNFAIRLY FOR SEVERAL MONTHS, YEARS NOW BECAUSE OF MY CREDIT.
I AM A VICTIM OF IDENTY FRAUD. THIS HAS HAD A HUGE EFFECT ON MY LIFE IN THE HORRIBLE WAY. IM UNABLE TO GET A JOB, GET HOUSING, MAKE PURCHASES, OBTAIN SERVICES, OBTAIN EMPLOYMENT, ECT. ALL BECAUSE OF THESE FRAUDULENT TRANSACTIONS ON MY CREDIT REPORT.
THE ONLY TRANSACTION THAT IS VALID IS FROM   XXXX   XXXX
Consumer complaint received 2023-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (IL)

I am writing to you to bring to your attention a serious matter concerning a fraudulent account that has appeared on my credit report. I have previously disputed this account, and it was removed from my credit report. However, to my dismay, the account has reappeared under a new account number with the same creditor, XXXX. 

I believe that this situation is a result of identity theft, and I am deeply concerned about the impact it is having on my financial well-being and overall living situation. I have enlisted the assistance of my attorney, and together, we have gathered substantial evidence indicating that the account in question was opened without my consent or verification, and without obtaining a wet ink signature from me. 

Furthermore, it has come to our attention that the birth year associated with this fraudulent account does not match mine, and the account was created using a fake birthday, along with a different social security number before on the previous account and now just the birthday on this i believe same account diffrent account number which i believe is the same account, This clear discrepancy should be evident upon a thorough investigation. 

I have already engaged in discussions with representatives from XXXX XXXX  previously, and it appears that confidential information was shared between them and Source Receivable Management without my knowledge or authorization. This sharing of my sensitive information, including the last four digits of my actual social security number, further adds to the severity of this situation. 

I demand that a full and comprehensive investigation be conducted immediately to rectify this matter. It is your responsibility as a credit reporting agency to ensure the accuracy and validity of the information you furnish to creditors and lenders. 

I request the following actions be taken : A thorough investigation of the fraudulent account ( Account XXXX : XXXX ) with XXXX, including verification of the incorrect birth year and social security number associated with the account. 

Prompt removal of the fraudulent account from my credit report pending the investigation 's completion. 

A detailed report of the investigation 's findings, provided to me within 30 days of receiving this letter. 



Thank you for your attention to this matter, and I look forward to receiving your response.Please be advised that any delays or failure to conduct a proper investigation within the given time frame will leave me no choice but to pursue legal action against your agencies in a court of law. My attorney and I have already set a date for potential legal proceedings, and we intend to file a lawsuit against your agencies if this matter is not resolved satisfactorily. 

I expect prompt and effective action from your agency to rectify this situation and protect my rights as a consumer. Your cooperation in resolving this matter promptly will be greatly appreciated.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NM)

I am writing to file a formal complaint against your organization for the repeated failures to correct an inaccurate late open account on my credit report. Despite multiple attempts to rectify this error, my credit report continues to contain misleading information that has a detrimental impact on my financial standing. 

I have diligently followed the dispute resolution procedures outlined by your agency, providing extensive documentation and evidence to support my claim that this late open account is inaccurate. However, your organization 's persistent failures to address this issue are causing significant harm to my creditworthiness and financial stability. 

It is essential to emphasize that the Fair Credit Reporting Act ( FCRA ) imposes a legal obligation on credit reporting agencies to ensure the accuracy of the information contained in credit reports. Credit reporting agencies, such as yours, are mandated to conduct thorough investigations and make necessary corrections when inaccuracies are identified. 

Despite my unwavering efforts and the evidence I have submitted, I continue to experience the following adverse consequences due to the inaccurate late open account on my credit report : Difficulty obtaining credit or loans on favorable terms.

Higher interest rates on existing credit accounts.

Substantial harm to my creditworthiness and financial opportunities.

I hereby formally request that your organization takes immediate and resolute action to investigate and correct the inaccuracies associated with the late open account on my credit report. If it is determined that this account was indeed inaccurately reported as late, I insist on the following actions : Swift correction of my credit report to accurately reflect my financial history and creditworthiness.

Removal of any derogatory or inaccurate information associated with this account.

Provision of written confirmation of the correction and any updates made to my credit report. Enclosed with this letter, you will find copies of all previously submitted documentation, including supporting evidence, dispute correspondence, and any other relevant materials. I trust that this information will expedite your investigation and lead to the swift resolution of this issue. Please help me correct the late open account : XXXX XXXX Balance : {$12000.00}.
Consumer complaint received 2023-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (SC)

Wells Fargo has completely frozen my business account without reason. It was a new account and I had two ach payments from customers ( my company does data storage services ). Apparently one of the ACH payments flagged something on their automated system and they froze my account, stating they were closing it on the XXXX of XX/XX/2023. 

I then had a other ach payment hit. This was already in the process by the time they froze my account and I could not cancel it from the customer. 


Now they have prolonged the freezing of the account and refuse to either lift the freeze and give me my money 's or close the account. They are purposefully delaying the closure of the account beyond what anyone would deem a reasonable time.
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2022-12-08
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. (GA)

accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX  and 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-09-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (IL)

On XX/XX/XXXX I opened a savings account with Marcus by Goldman Sachs through referral. I transferred {$10000.00} into the account on the next day and an additional {$30000.00} the day after. 
On XX/XX/XXXX I opened their app to check if the second transaction had been processed, only to find my account had been locked without any email notice or reason given. I called customer service several times throughout the day and the agent said it was because they couldn't verify my phone number ( which I have been using for XXXX years without any problem and which I used to call them ). The solution was they would mail me an affidavit for me to sign and mail back, and the whole process is going to take at least a month. I also asked whether my {$30000.00} transaction would still be processed and they said no. Since having them hold my {$10000.00} for a month was not too unacceptable, I did not do anything further and decided to wait for the affidavit. 
On XX/XX/XXXX, I checked my other account with another bank, only to find the {$30000.00} had still been processed despite what the agent told me. So now Marcus will be keeping my {$40000.00} for at least a month without paying any interest- which is unacceptable. I will need the money to pay for my tuition soon, and I truly don't know what to do. I called the customer service again and they said there is nothing they can do either.
Consumer complaint received 2020-07-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Good afternoon greetings. My bank account at Bank of America was blocked on XX/XX/XXXX and in XX/XX/XXXX they informed me that they closed my account, I was the victim of a scam, two bank accounts made a transfer as a result of a sale and purchase of Bitcoins, these transactions were successfully executed, but these people called the bank and indicated that their accounts were being hacked, as a result of which the bank decides to block my bank account, I proceeded to send proof that these people received the bitcoins in a satisfactory manner, these tests were sent three Sometimes, the bank arbitrarily decided to close my bank account and debit the amount claimed by those people. I received a letter from Bank of America informing the closure of my account and that the remaining money {$6400.00} would be sent by check to my home address. Eight months have passed since they blocked the account and they still do not return the money, every time I call the bank to ask what happened to my money, they divert the calls, they lie to me, they even told me that they had returned the money to the company I work for, which is not true, and on repeated occasions they hang up on me. I appreciate you can give me a solution to this problem with my money.
Consumer complaint received 2024-03-11
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. (AL)

Over 6 years ago I received a email from XXXX XXXX at XXXX XXXX who had just switched over to XXXX XXXX XXXX. There was an error made by their system or office that sent out a email to me of a final move out statement for a damaged apartment that I never lived in for {$870.00}. I called the apartment complex and proved to them that they had sent this email to me in error because they didn't have a lease agreement from me and I had never lived in this apartment. I was told that it was sent to collections and I would have to contact the debt collector XXXX XXXX. I have tried multiple times to get XXXX XXXX to remove this debt because it does not belong to me, they ignore my request and continue to lie, and say that the debt is verified and meets FCRA requirements. It's obvious that XXXX XXXX does not even attempt to verify debt because if they did they would've quickly realized the original creditor made a mistake. This could have been resolved years ago but they refuse to even attempt to actually verify the debt which is illegal. I don't have to state all of the consumer laws that are being broken because the companies are well aware of them just as I am, and they are purposely being undermined which is illegal and unethical as a business. Being a XXXX XXXX at the time I was unaware of the steps needed to take legal action. I am now fully aware of the laws that these companies and reporting agencies are deliberately breaking and will now do everything in my power to get justice because this inaccurate information has plagued my credit report for over 6 years. I have email proof from the original creditor amongst other proof that this debt does not belong to me this is my final request to have this removed from all XXXX reporting agencies before I take further legal action for fraud.
Consumer complaint received 2023-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (NJ)

IQ Data sent me a letter claiming that I owed {$3700.00} on XXXX I sent a verified letter disputing the debt. The debt was Purchased from a current company owning an apartment complex I used to live in. I never rented from this company, the building was sold to this company after I moved out. I never owed any money to my previous complex before I moved out. This debt is also from the year XXXX, and I was only contacted this past XXXX, I have never been contacted before then. In the letter I sent, I asked for the company to verify the debt and they didn't send me anything back. They did not send disclosure or info about verification. They also did not mark on credit report as that this was disputed. These are violations of FDCPA
Consumer complaint received 2022-12-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PRESTIGE FINANCIAL SERVICES INC (CO)

XX/XX/2023 car payment is showing XXXX days late on my credit report. I checked my account and I paid {$480.00} on XX/XX/XXXX and {$480.00} on XX/XX/XXXX. I have never been late since I have had an auto loan with Prestige. This is reporting inaccurately and I am requesting this payment be changed to Current, as I have been on Auto Pay since XXXX to ensure payments are made promptly.
Consumer complaint received 2024-01-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Turke & Strauss LLP (WI)

XXXX XX/XX/XXXX I contacted XXXX XXXX XXXX  of my financial hardship and couldn't afford the payments any more I did make an agreement to pay but in XXXX of XXXX I couldn't afford the payments again due to substantial loss of income in XXXX their attorneys filed a small claim lawsuit. On XX/XX/XXXX, I was supposed to call in to the court system which I did. according to the courts I was not on their list to call in, so I ended up making a deal with their attorneys Turke and Strauss in XXXX, Wi which did not follow any federal and state collection laws. These attorneys also know I filed bankruptcy and still refuse to follow any laws on XXXX I received a letter stating that I have a court date for this debt. Mind you that this is after the fact I never seen or talked to a judge on this issue not to mention they had a judge sign off on a judgement to garnish my check which never heard my side of this situation. Like I said Turke and Strauss are not following collection laws
Consumer complaint received 2023-05-05
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. (NY)

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$100000.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}. Please delete these ASAP.