davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (GA)

Chase claims of a missed payment through their payment plan process invalidly caused my credit score to go from a XXXX on XXXX. XXXX to a XXXX on XXXX XXXX an outrageous XXXX point decrease then several more reports after the initial first one over the next 2 weeks. Why so many reports? why a decrease to that degree? All within a two week span how is this even possible? On top of that Chase was suppose to take the money out which they didn't automatically, I had issues with the plan in the month of XXXX when they sent me emails saying they hadn't received funds but they really did.
Consumer complaint received 2023-02-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (FL)

Remaining balance on Wells Fargo Auto Loan after maturity date. Started reaching out to Wells Fargo Auto in XX/XX/XXXX. First call I was told due to missing payments from XXXX. Second call I was told it was due to interest accrued from deferred payments and my account would be looked into. Received letter from Wells Fargo Auto dated XX/XX/XXXX stating documents I requested and had copy of payment history. Received letter from Wells Fargo Enterprise Complaints Management Office dated XX/XX/XXXX stating they needed more time to research. Received letter from Wells Fargo Enterprise Complaints Management Office dated XX/XX/XXXX stating balance was correct and principal balance due by XX/XX/XXXX. XX/XX/XXXX filed complaint with State Attorney General. XX/XX/XXXX received first call from XXXX from the Executive Office of Wells Fargo. Several attempts to speak with XXXX failed and spoke to different representatives at that office and was still not provided with any information about reasons for the call other then pertaining to my concerns expressed to the State Attorney General. Finally spoke with XXXX on XX/XX/XXXX who gave me conflicting information and told it was being researched and would call me back. As of today XX/XX/XXXX, no further response from any representatives from any Wells Fargo departments.
Consumer complaint received 2023-03-07
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: Paypal Holdings, Inc (GA)

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any purpose.
Consumer complaint received 2024-03-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America engaged in deceptive practices regarding a purported loan agreement for the acquisition of a vehicle. Contrary to standard loan transactions, I provided Bank of America with a liquid-backed security to facilitate the purchase. The security, funded by my social security number, constituted the entire financial transaction. 

Bank of America, however, has been issuing monthly statements containing false information, misrepresenting them as genuine bills. These statements not only misrepresent the nature of the transaction but also create an environment of deception and confusion. By disseminating these fraudulent statements, Bank of America is committing mail fraud, a serious violation of federal law. 

Furthermore, Bank of America has been engaging in extortion by demanding payments from me that are not legitimately owed. Despite the absence of any valid loan agreement or debt, Bank of America persistently seeks payment, thereby unlawfully coercing funds from me.

Applicable Laws : Mail Fraud : Bank of America 's dissemination of false statements through the mail constitutes mail fraud under 18 U.S. Code 1341. This law prohibits the use of the postal system to execute schemes involving false pretenses or misrepresentations. 

Extortion : Bank of America 's unwarranted demands for payment, despite the absence of a legitimate debt, constitute extortion under various state and federal statutes. Extortion involves unlawfully obtaining money or property through coercion or intimidation. 

In conclusion, Bank of America 's deceptive practices, including the issuance of false statements and unwarranted demands for payment, are clear violations of federal law. Their actions not only harm me as a consumer but also undermine the integrity of the financial system. It is imperative that appropriate legal action be taken to address these unlawful practices and hold Bank of America accountable for their actions.
Consumer complaint received 2023-03-01
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. (MD)

I have requested the valid proof of contract as well as other information listed below. The Proof of contract must be original and certified copy of an authenticated original contract with my signature, specifically XXXX XXXX as the company entitled to enforce this reporting to my credit. 
Company : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX Date Opened : XXXX Date of Last Payment : XXXX Date Closed : XXXX  Date Reported : XXXX. 
I have requested a certified copy that ensures that the contract and all information sent is accurate and has been done through the presence of a certified notary company who authenticates and is duly operating under the laws that swears the copy made is in fact a copy of the original paper contract with the company in question. 
I have also requested the following below : 1. Provide a Certified copy of authorization signed by me, naming your company as having my consent to report to my credit file. 
2. Provide a certified copy of all information related to the Original Creditor and 3rd party creditors who were given permissions to report on my credit report. 
3. Provide all accounting information, from the date the account was opened, all payment history, amount and details, source of payments as well as dates, every charge, every purchase, every refund, every negative credit, all amount associated with this account, I am requesting this matter be resolved immediately for which this is the 3rd attempt for your company to provide all requested information. Your company has yet to provide any validating information that was requested. This account needs to be Deleted and removed from my credit report.

According to the law : 15 U.S.C Section 1681i ( a ), if you can not provide the requested proof, this account must be deleted and removed from all sources that holds this information immediately. I am also asking that all results along with validated information be notarized and sent by mail with an updated copy of my report and all changes including deletion or updates. In accordance with the following, I am exercising my rights ( Fair Credit Reporting Act ) ( 15 U.S.C 1681 Section 602A ) ( 15 U.S.C 1681 Section 604 Section 2 ) as well as others. In result of deletion, please assure it is deleted from all 3 agencies this account has been reported which are as follow : XXXX, Experian, XXXX. All 3 must show accuracy from verified and validated the reported update accounts or deletion of account.
Consumer complaint received 2024-03-13
Product: Credit reporting 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)

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 Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ASSOCIATED BANC-CORP (WI)

On or around XX/XX/2023 I became aware that my account was frozen do to my card being denied. I called and learned that my account was frozen. The bank did not give a reason, they just told me that someone from associated bank would reach out to me. 
On XX/XX/2023 XXXX XXXX from associated bank reached out just to tell me that my account is being closed and all my funds are now gone and is no longer my money due to an endorsed check that was reported fraudulent. I asked how and why did the bank determine it to be fraudulent, she said that the endorser reached out through a phone call and said that she did not endorse the check. 
I said since associated bank obviously sided with a non client if there was any paper trail showing how associated bank determined their decision, I was told that I was not privileged to anything beside a notice that will be sent out telling me my account is closed. I asked could I be issued any policy that associated bank should have in place telling me my rights in this matter, i was told I was not privileged to any documents explaining anything.

Associated Bank closed my account and took a large sum based off a phone call from a non law enforcement, there is no criminal charges, there is no decision from a judge.

Associated Bank never reached out to me telling me anything, not one email, no one called me for a statement informing me of anything, I'm just told that a non law enforcement called and said fraud! 
The only contact that was made by this bank was them telling me that my account is closing and they are taking my money {$46000.00} and for me to get it back XXXX XXXX told me I have to reach out to the person that reported the fraud. 
Associated bank told me I have no rights, even though for me to become a client I sign into rights.

They have now taken my hard earn money based off a phone call from a non law enforcement and refuse to release anything in writing to me or any existing policy on such a matter.
Consumer complaint received 2023-02-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (CA)

To whom it may concerns My name is XXXX XXXX resides at XXXX XXXX XXXX XXXX XXXX CA XXXX. I received several fraud alerts ( XXXX, XXXX XXXX ) and bills from several creditors ( XXXX, XXXX XXXX Barclays, ) regarding past due amounts in XX/XX/XXXX. That was I found out that my identity was stolen. I contacted 3 credit bureaus to freeze the checking and applying new credits and contacted all creditors. 
I own a residence home for XXXX years and several properties in rentals for more than 10 years, my income is $ XXXX. I would not do anything to jeopardize my credits. I live in the house with my wife XXXX XXXX, a XXXX old son and elderly parents ( XXXX and XXXX ). To find out who use my identity, you should follow these leads : XXXX ) To purchase the thieves must have the physical credit cards. Where did they get the cards from? Where were the cards sent to ( address )? 
I did some research and discovered : I live in XXXX CA, outside of XXXX, but on the attachment letter, I see the XXXX # XXXX located in XXXX Alaska, which you can easily obtain by calling any XXXX store and ask location of store number # XXXX ( I randomly called XXXX of the stores and asked for # XXXX ). I then called this tore to verify if it is # XXXX For XXXX, since this is a large amount, you should initial the joint investigation with XXXX by looking at the XXXX XXXX, or receipts etc. 

XXXX ) For XXXX stores # XXXX and # XXXX, they are actually XXXX gas XXXX ( XXXX bought XXXX XXXX  XXXX  in XXXX ). I called the XXXX corporate ( XXXX ) and obtained XXXX XXXX addresses as following : Store # XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX : XXXX XXXX XXXX at XXXX XXXX XXXX XXXX PA For XXXX XXXX XXXX, the stores mainly are concentrated in California, are the most are in XXXX XXXX XXXX XXXX I am not able to locate, because there is no location #. 
By doing some investigation, you easily find out some inconsistences here. I attached here XXXX solution after they found out that I am living in XXXX CA, but the purchase was in LA area by looking at the store number, and the phone number never been dialed in a month.
Consumer complaint received 2022-12-23
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: SYNCHRONY FINANCIAL (OH)

I went to Sam club recently to inquire a Business Credit Card. I purchased a XXXX XXXX for {$110.00} to start the process. I then filled all the paperwork out regarding my business information. ( Address, XXXX, & so on. ) The store representative then states the application is trying to convert its self to a XXXX XXXX, which is NOT what I asked for. I made it clear XXXX times I have enough Personal Cards, I just need a Business Credit Card through them to help supply my business as needed. She then called corporate and was put on hold I waited for XXXX XXXX to talk to someone. She picks up other calls incoming on another phone & then places the corporate call on speaker. When they answer she places the other conversation on hold, takes corporate of speaker and tells them for some reason the application type switched over and she cant change it. She gives me the phone I explain that isnt what I asked for they ask for her again for some information off her cpu. She gets put on hold again. She soon responds to someone telling them what happened then say here he is and hands me the phone. I say hello, a man responds Im tryna see about a credit card I applied for a XXXX XXXX Clearly thats wasnt corporate, I tell her she says Im sorry idk what happened I can give you their number. I got the number and had no choice but to leave at that point. Call them myself the tell me they can take it back which may be true but I asked so now what am I to do they basically said I need to contact credit bureau because its out of their power at this point. So ultimately I was also denied meaning I dont have the card but even if I was accepted it still wasnt what I inquired for. So shortly after my credit was hit for the hard inquiry of course. Im trying to get it removed and corrected. Please and thank you.
Consumer complaint received 2023-02-20
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: EQUIFAX, INC. (NC)

Equifax confirmation # XXXX, has the following accounts reporting fraudulent on my consumer report. 
XXXX. XXXX XXXX, Acct. # XXXX / XX/XX/XXXX XXXX. XXXX Bank, Acct. # XXXX / XX/XX/XXXX XXXX. XXXX XXXX, Acct. # xxxx # # / open XX/XX/XXXX XXXX. XXXX XXXX, Acct. # xxxx # # / open XX/XX/XXXX XXXX. XXXX XXXX, Acct, # xxxx # # / open XX/XX/XXXX XXXX. XXXX XXXX, Acct. # xxxx # # / open XX/XX/XXXX
Consumer complaint received 2023-03-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: GOLDMAN SACHS BANK USA (FL)

Good Morning, Due to hurricane Ian, Goldman Sachs stated in a email that I [ XXXXXXXX XXXX ] can withdraw early from my CD account [ XXXX A/c XXXX ] without penalty because I lived in XXXX, Florida which was affected by the hurricane. However they did not fufill this and instead the penalty [ {$140.00} ] still applied. I tried to raise this issue to Goldman Sachs on XX/XX/XXXX [ CaseID XXXX ] but there has been no progress for a month and still getting unconfirmed delay. I have attached all the required documents and please take the necessary action to get my penalty funds back to my savings account.
Consumer complaint received 2019-08-08
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. (CO)

XXXX ; Experian and XXXX are reporting incorrectly a collection in the amount of {$3000.00} on XXXX XXXX XXXX  partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account was settled and paid in full on XX/XX/2016. ( Please see the attached letter dated XX/XX/2016 from XXXX XXXX XXXX , XXXX. ) This incorrect reporting of a collection is harming my credit score and these line items need to be deleted from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-10-31
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. (CA)

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. 
Below are the errors I have identified : XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX  - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (CA)

Back in XX/XX/2019 I contacted Care Credit regarding them reporting to the credit bureau that I was late for XX/XX/2019. I was never late. I talk to a female customer representative and was told they would contact the credit bureau and report as not late. Its been years and still no change. Please help me
Consumer complaint received 2024-03-13
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)

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.