davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-18
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and updated from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-17
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. (AZ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX 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, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-11-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: United PanAm Financial Corp. (FL)

I was approved through United credit group. Was given my interest rate and payment. Did my trade and uploading all my XXXX documents. The XXXX was being purchased through Vroom and on the last day before the car pick up the agent with groom said I needed to call United credit group because they were now wanting me to put {$9000.00} down plus my XXXX XXXX XXXXXXXX. Waste of time and misleading advertising and my time. Now I have multiple inquires that has damaged my credit and no vehicle. Complete waste of time and a huge disappointment. I wont refer anyone to vroom or United credit group.
Consumer complaint received 2023-07-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC ()

MoneyGram International has failed to release money to the intended recipient. 


Dear Sir, Title : Money Sent, Not Received REF. NO. XXXX I sent money through MoneyGram on Monday XXXX XX/XX/2023 from XXXX. When the receiver, XXXX XXXX went to the bank on XXXX XXXXXXXX, he was told there is an error 357 and transaction can not be completed at this moment. Despite constant calls for assistance, I was told the recipient XXXX XXXX in XXXX had received the money but it is not true. He did not receive any money. Please help recover the money. 


Sender 's Name and phone number : XXXX XXXX XXXX ( XXXX ) Receiver 's Name and phone number : XXXX XXXX XXXX ( XXXX ) Amount of Transfer : XXXX XXXX Ref Number : XXXX Thank you, Yours Sincerely, XXXX XXXX
Consumer complaint received 2024-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (MA)

I recently discovered several accounts on my credit report that are inaccurately reported. These accounts include late payment accounts with XXXX XXXX XXXX  and XXXX collections with XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX, and charge-off accounts with XXXX  XXXX and XXXX XXXX. I want to emphasize that I do not owe any debts associated with these accounts, and they should be promptly removed from my credit report to reflect accurate information. I believe these inaccuracies are damaging my credit score and financial reputation unfairly. Your assistance in resolving this matter would be greatly appreciated.
Consumer complaint received 2023-09-25
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: SOUTHSTATE CORPORATION (SC)

On XX/XX/2023 first time we opened a XXXX where South State bank provide us information of XXXX at XXXX XXXX rate for 7 months. That time bank representative never explained how bank calculate the interest rate. As per our conversation even Bank employees also unaware of calculations of XXXX. South State Bank promised XXXX XXXX for 7 months. At the end of term we only got around XXXX XXXX instead of XXXX XXXX.. When we complained in CFPB. Bank never accept their fault, instead bank gave a explanation of second time XXXX That we knew how bank calculate. So first time XXXX 's problem is mo where to found. Bank closed the case.
Consumer complaint received 2023-06-18
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. (TN)

My information was stolen a while back and I was a victim of ID Theft. I submitted the required documentation according to the FCRA section 605B. However, the credit reporting agencies failed to block the fraudulent accounts and treated my block request as if it were a dispute. It's not a dispute, it's a block request.
Consumer complaint received 2023-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HW Holding, Inc (TX)

I am the living man, executor, beneficiary of XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails I am not getting any response because of the automated system you have in place which in fact is a violation as well. I am demanding these accounts to be removed immediately off my credit as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. Or permissible purpose. 

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS : Hunter Warfield/streetlane homes- has been paid on time and in full. 

XXXX XXXX has been paid on time and in full. 

XXXX XXXX-has been paid on time and in full. 

XXXX XXXX XXXX has XXXX paid on time and in full.
Consumer complaint received 2023-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (NJ)

I was visiting XXXX, XXXX from XX/XX/XXXX to XX/XX/2023. 
The fraudulent transactions occurred on my Apple Pay in the early morning hours on XX/XX/2023 at XXXX XXXX XXXXXXXX. Total five transactions occurred through Apple Pay : XX/XX/2023 : {$6500.00} XX/XX/2023 : {$6000.00} XX/XX/2023 : {$4800.00} XX/XX/2023 : {$6000.00} XX/XX/2023 : XXXX I disputed the transactions same day ( XX/XX/XXXX ) in the evening via Text messages XXXX XXXX XXXX ) with Apple Pay in XXXX, XXXX. Apple Pay could not reach to me other than text messages option in XXXX, XXXX. I did not authorize, purchase or sign on anything and Apple Pay opened the dispute claim. Apple Pay did not verify with me via text under advance theft protection and denied the dispute without sharing any evidence of my authorization, sign the receipts.
Consumer complaint received 2023-01-10
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (FL)

I am having a dispute with a former landlord, I sent my dispute and I never heard back. Then I received a call from a collection agency on a large amount of money, when I told the collections agent that I was in dispute with the landlord, I was yelled at and told that I have to party my bills. 
The landlord is charging me for things that were wrong with the apartment when I moved in, they are also charging for replacement of items that were never replaced. I have a copy of the move in sheet and they are refusing it. 
The complex is just wanting money, and I have documentation that I should not be charged for these items. 
This collections is keeping me from renting another residency.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/2023, I called Capital One to ask them what date did my grace period end due to a temporary financial hardship that was ending. My payments had not been late and I was calling to discuss when I could pay before their grace period ended. They told me XX/XX/XXXX was the last day. Payment was made on XX/XX/XXXX, yet late payment still showed up on XX/XX/XXXX.
Consumer complaint received 2023-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

A credit card was closed and we received the final bill in the mail which we paid electronically on XX/XX/XXXX. We paid exactly what was on the bill. Over sixty days later they claimed we owed them XXXX cents and billed us an additional fee 's and interest of a substantial amount. They also closed this card without any written notice either electronic or physical. They claimed they could do this without cause. Previously we never missed a payment.
Consumer complaint received 2022-10-17
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. (TX)

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. 

Account : XXXX # XXXX Account : XXXX # XXXX Account : XXXX # XXXX Account : XXXXXXXX XXXX  # XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXX XXXXXXXX XXXX # XXXX Account : XXXX XXXX  # XXXX Account : XXXX  XXXX # XXXX Account : XXXX XXXX XXXXXXXX XXXX # XXXX 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 A Section 2. It 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 by more than seven years.

15 USC 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 2023-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I placed an XXXX order last year and tried for the longest to get my money back or a portion. I filtered out to have the whole HOUSE, and I found this. I thought it was a nice place, but it turned out to be a motel. I travel with a full, big-size XXXX XXXX, so when we leave her alone in the room, we request a home so there is no disturbance. Unfortunately, when we went there, you could hear literally everything through all the walls and doors. We didn't feel safe, and it wasn't what was listed in the description. I tried doing a dispute with the owner since we couldn't even stay one night, but she wouldn't provide any type of refund but only another location that's exactly like the one we are complaining about so she can " tend to our needs '' in this problem. After a long talk, she agreed to provide a small refund that was less than 30 % of what I paid but she never went through with it and ended up changing her mind and telling XXXX, no. I was I spoke with customer service multiple times stating that I was aware of the business but unfortunately, the listing was incorrect, and I would just like a refund. Afterward, they just declined everything, closed my case, and took my money.
Consumer complaint received 2023-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

As of XXXX of XXXX  I have had {$7900.00} in an account that I can not access. My funds have been locked up, and won't be released as per many attempts to withdraw them from multiple locations. As well as call numerous times the customer service departments, and special service lines on the matter. They can not give me any information about nor can they tell me anything as far as when they will release my funds to me. This has been over a year I've been dealing with this matter, and have been very patient. First I lost everything in hurricane Ida, and I have been struggling since to get everything repaired on my home. I've been denied any assistance on the repairs because of how soon I purchased the home as to when the storm hit. I've had many problems over this matter happening for instance, I had to go to prison because someone said I stole their money because I couldn't access these funds to do the work I was paid to do. This has caused hardships on top of hardships, they should be responsible for these, and still nothing is done about the real criminals in all this. Please do something, I really don't deserve what they are doing to me. The company is Capital One Bank XXXXXXXX XXXX  Thanks Again ....
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NY)

I did a shopthrough purchase with XXXX XXXX XXXX XXXX : XXXX? XXXX With my freedom unlimited card ending in XXXX The term states I would get XXXX ultimate reward points if I click on the link and bought a subscription through the portal However, it has been over XXXX weeks and I have not got the XXXX ultimate rewards point, can you credit the XXXX ultimate rewards? The customer service rep on the phone is not helpful
Consumer complaint received 2023-07-20
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BARCLAYS BANK DELAWARE (WI)

I had an old XXXX XXXX XXXX  which I used once this year in XXXX for {$36.00}, which I immediately paid off. Then in XXXX got a statement from old navy/barclays saying I owed $ XXXX and I immediately called and told them I hadnt used my card since XXXX and reported the usage over summer as fraudulent and asked they close my account. They said they closed it and reported the transactions as fraud. I had this same conversation about 8 times and kept getting called daily by Barclays, they insisted there were notes on the account and it was reported as fraud and closed. Then I got notification from the credit bureau that my account was in collections cause of Barclays. I called Barclays, they apologized and said that the previous people hadnt marked the transactions as fraudulent and that she was going to do it and send me a letter regarding the investigation. I got the letter, then my credit score went back up a little bit but not fully. I called again and was told that my balance was XXXX and not to worry cause the fraud was under investigation and it would be reported to the credit bureau as fraudulent. Now I went to apply for a home loan to buy a home and was denied because of this on my account, and speaking with XXXX they say Barclays did not accept the fraudulent report and lied to me, about 7 times.
Consumer complaint received 2022-10-17
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. (TX)

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. 

Account : XXXX # XXXX Account : XXXX # XXXX Account : XXXX # XXXX Account : XXXXXXXX XXXX  # XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXX  XXXX XXXX # XXXX Account : XXXX XXXX  # XXXX Account : XXXX XXXXXXXX # XXXX Account : XXXX XXXX XXXXXXXX XXXX # XXXX 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 A Section 2. It 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 by more than seven years.

15 USC 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 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX  XXXX Balance : {$2000.00} XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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  According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2023-12-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/XXXX I was alerted to unauthorized activity in my account. I then noticed a wells Fargo XXXX XXXX  XXXX was added to my account that I didn't authorize or apply for. I reported it immediately over the phone and in person at the XXXX mn bank. 
I was told by personal banker XXXX XXXX XXXX not to report it to the police. A few days later I noticed a charge of {$1000.00} and I immediately went back to my XXXX branch to report it as well as numerous phone calls to wells Fargo. Over the course of the next 3 months wells Fargo continuously told me lies and falsehoods about my situation. Wells fargo took the application with fraudulent information and limited personal information like my address and home phone number and approved it without my authorization or knowledge. They wouldn't help me and in fact took this fraudulent XXXX reintroducing it into my account XXXX separate times with XXXX separate numbers. I didn't know who to turn for help after they tried to get me to pay interest on the fraudulent card. The person they assigned to my case XXXX XXXX lied about my situation to me and complaints about the lies went unanswered over and over. Nothing I did or said made any difference to Wells Fargo so I finally closed my checking and saving accounts after decades of doing banking. On XX/XX/XXXX I finally had enough of wells Fargos fraud and corruption towards me and filed a police report to get wells Fargo to quit committing the fraud they kept perpetrating on myself. I'm not entirely sure but an employee might have committed this act since I read numerous articles describing the kind of corruption and fraud I experienced with Wells Fargo. Wells Fargo could have been a hero in this situation but they turned into the villains siding with the Scammers over me the Customer.