davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-03
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA (PA)

My name is XXXX. I am a XXXX  at the XXXX XXXX of the University XXXX XXXX. I was born in XXXX and have filed tax returns for many years with my US issued Social Security number. I have had bank accounts at XXXX XXXX  ( now XXXX ) and XXXX XXXX XXXX. Today, I tried opening a CD account with Marcus by Goldman Sachs on XX/XX/20, and my application was declined because their system could not verify my identity. I spoke with a supervisor named XXXX who proceeded to explain that Marcus will not take my money because its system can not prove that I am who I say I am. I provided my social security number and every other piece of information for which they asked, so I do not know how it is possible that my identity can not be authenticated. I offered to provide XXXX more information to prove my identity such as a scanned photo of my passport, driver 's license, and my current bank account information. She refused. I am very disappointed and have never come across an issue like this before : a bank rejects the money of a perfectly contributing, tax paying American citizen who is a student at one of the nation 's top universities. The fact that their system could not verify my identity in public or private records indicates that their system is either flawed or pulling information from the wrong records. In either case, it's detrimental to the consumer. My mother is a XXXX XXXX at one of the largest bank 's and was baffled by this situation. Marcus and Goldman Sachs need to review their policies and procedures and address situations that lead to ridiculous outcomes such as the one today.
Consumer complaint received 2023-01-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC. (MS)

This company is attempting to sue me for not paying a debt that isnt owed to them. This brought on a tremendous sadness. I have been feeling down and suicidal lately. This is harmful to my health and a defamation of my character. I found evidence that your organization didn't double-check for accuracy before reporting it. In accordance with Section 1681e ( b ) ( b ) Accuracy of report of the United States Code ( 15 U.S.C. When a consumer reporting service creates a report on an individual, they are required to take reasonable measures to ensure the data is as accurate as feasible. According to my research, Section 1681 ( 5A ) of Title 15 of the United States Code deals with now false or questionable facts are handled. They cant provide any verifiable proof that I signed anything agreeing to pay them. Under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to the file this dispute. I also constitutes a FEDERAL CRIMINAL VIOLATION punishable as perjury under 18 U.S.C 1001. Additionally, these misstatement are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (SC)

On multiple occasions I was charged monthly fees on both my XXXX checking and also savings account even though I hit my monthly transactions as well as being hit with an overdraft fee even though I had the money in my account. I opened a savings account with XXXX XXXX  and Wells Fargo charged me for opening an account with a separate company. Also there were multiple accounts that I could not log in because the app and website were down. 

I finally just called it quits and closed my account and transferred to XXXX XXXX.
Consumer complaint received 2024-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following account need to be removed : XXXX XXXX Account XXXX : XXXX
Consumer complaint received 2022-09-05
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)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 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 2022-01-20
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: EQUIFAX, INC. (OH)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( OriginalCreditor : XXXXXXXX XXXX XXXXXXXX ) XXXX
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (AZ)

There's a lawsuit against Wells Fargo about overcharging customers fees and penalties applied incorrectly during XXXX I want my account to be checked to see if it was impacted cause I had financial issues during past years my account was over sometimes bank charged me 4-5 tunes overdraft fees of XXXX  dollars same day even at items if XXXX dollars. I think that practice unfair and abusive.
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MO)

XXXX XXXX I tried to withdraw {$500.00} the atm only give me {$450.00} I counted my money in front of the atm I tried to pull {$50.00} more off I couldnt at the same atm but could at the store atm across the street from Wells Fargo bank
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (SC)

I recently reviewed my credit report and I see inaccurate credit reporting on the payment status. I contacted NELNET LOAN SERVICES in XX/XX/2024. The company stated that they didn't have any late payments listed. The errors on my credit report are violation my rights as a consumer under Section 15 USC 1666B. 

Account numbers that are incorrectly reporting : XXXX XXXX XXXX
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (FL)

My TD Bank USA/Target Credit card is reported as CLOSED on XX/XX/XXXX to XXXX however it was XXXX  days late reporting closure on XXXX  instead of the prompt mandatory XXXX XXXX and FCRA required automatic reporting on XX/XX/XXXX. As oXXXX XXXX, this Closed account still has not been reported as Closed to XXXX and the last reporting was XXXX in willful violation of XXXX XXXX and FCRA protocols. TD Bank was required to report XXXX to XXXX on XX/XX/XXXX so it is now XXXX days late. XXXX was required to be reported simultaneously to every CRA on XXXX instead of piecemeal only after receiving a XXXX XXXX compliance complaint. Due to XXXX XXXX obvious compliance deficiencies my TD Bank Target account must be deleted from all my credit reports permanently plus statutory damages of {$1000.00} for each and every FCRA willful violation of the FCRA against every violator.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Advanced Resolution Services Inc. (CA)

I requested that ARS, Advanced Resolution Services , Inc. put a security freeze on all of my information. I had problems getting them to cooperate. Finally, on XX/XX/2022, via a series of emails, they acquiesced and put a freeze on my information. Then I received a letter stating they were refusing until I provided them, once again, with proof of my identification ; they included : name, address, phone number, social security number, and copies of my state ID and SS card. They quote CA law that I believe is moot due the FCRA. I do not think I should have to provide this sensitive information. Furthermore, I have copies of the email series, their letter, and other documents that I can provide. 
Sincerely, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-09-30
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-08-12
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. (FL)

I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed. 
-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.
Consumer complaint received 2019-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (TX)

Yes Bluebird close down my checking account and savings account for no reason of my own making they said that I did unappropriate or did things that I was not allowed to do but I don't understand how I did this when I was XXXX at that time and was not in able to even use my own debit cards and they let somebody come in and take all my daughter Social Security money out of a separate account that was linked to my Bluebird account then I tried to call them and talk to them about it and all they did was tell me that they closed my account down and there's nothing more they could do to help me
Consumer complaint received 2022-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau date the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc. (CA)

I am being charged for XXXX XXXX XXXX  which I have never signed up for. Back in 2021. I am checking my credit and noticed it. I have never gave my social security number to this company or any other information.
Consumer complaint received 2022-11-17
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. (MD)

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 XXXX XXXX XXXX XXXX XXXX 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 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

In XX/XX/XXXX a fraud charge by a XXXX XXXX in the amount of {$49.00} was charged to my Citicard ending in XXXX which has a XXXX balance. I was not aware of this charge until XX/XX/XXXX when Citicard called me advised me that my account is more than 60 days late. I then began a fraud dispute case ID-D-XXXX. I called Citicard in XX/XX/XXXX to find out the status of this dispute and they said that the matter has been resolved and the account balance is now XXXX. They however said that a letter confirming this will be sent out which I never received. I then looked at my XXXX report in XXXX of XXXX and was surprised to see that they had reported the account 30 days late in XXXX but OK in XXXX. I called them and was on the phone with 6 different departments and the matter still remains unresolved. I told them since this was a fraud, it should not be reported as late. When I spoke to XXXX they said that Citicard has to remove this from their billing record for it to not show up on my credit report.
Consumer complaint received 2019-11-25
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (PA)

I paid my target credit card bill in full on XX/XX/2019. The payment posted to my account and funds were extracted on XXXX XXXX from my checking account. I tried using the card and was told I dont have available credit. I called target and was told I need to do a conference call with my bank to verify the payment was made from my checking account. I explained to the consumer servicer rep I have made many payments prior and never had this issue. They are failing to address the issue when the funds have been extracted from my account.
Consumer complaint received 2022-09-05
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. (CT)

In accordance with the Fair Credit Reporting act 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.
Consumer complaint received 2022-01-20
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. (TX)

On XX/XX/XXXX I purchased a trip to XXXX XXXX XXXX using my Chase Sapphire card part of the payment came from my points. On the day of travel upon arriving in XXXX I noticed that there was a mistake with my booking and it only showed 1 adult instead of 1 adult 2 children ages XXXX and XXXX, the Hotel would not check me in until I paid extra fee of XXXXdollars per night which was total of XXXX USD, On my reservation it showed that an extra child would only pay XXXX as they considered my daughter as an extra person on me and so I only had to pay for my son. 

Though it was clear that an extra child was only XXXX chase refused to refund me the difference XXXX USD. 

See attached letter writing to complain about their lack of obeying fine print. 

Regards XXXX XXXX
Consumer complaint received 2023-01-21
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. (FL)

I received an alert from Experian that a credit card was opened in my name with XXXX. This is fraudulent activity and I can prove it if given the opportunity. I did not open this account and did not make the purchases. I did not open an account/card with XXXX. I filed a dispute with Experian but the update came back " verified as accurate. '' This leads me to make this appeal to you. This is very concerning and confusing. The account is not verified and it is not accurate, its a crime. I tried to dispute the address with Experian but because the account is seen as accurate, it wont even let me. I have never lived at XXXX XXXX XXXX. 

This is my second time presenting this complaint to CFPB the first one was closed and should not have been, this matter is not resolved. On XX/XX/XXXX, I returned the signed affidavit to XXXX and have received nothing. Mind you, the company sent me an affidavit via email in XX/XX/XXXX. Additionally, the company sent receipts and pictures in the CFPB portal, but I wasnt immediately aware of that either and therefore it took me longer to respond and so they probably assumed I was claiming ownership but that is not the case at all. 
Please help!
Consumer complaint received 2023-02-16
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. (NJ)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-03-14
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. (TX)

I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant XXXX and distress they are causing me.
Consumer complaint received 2022-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

1. XXXX transactions were made on my capital one card in late XXXX. 
2. Capital One notified me of potential fraud. I responded that I did not make these purchases and Capital One began a fraud investigation. 
3. Contacted by Capital One and was notified that their investigation did not show fraud and I may have benefited by the transactions and would be responsible for the charges. 
4. Made multiple calls to Capital One to follow-up. Several instances, when waiting on hold, I was disconnected. 
5. When making contact with Capital One, I asked them if it was possible to contact the store ( Wal-Mart or XXXX 's XXXX and have the store share their video of the exact time the incident took place. Was told they would pass on the request to the appropriate team. 
6. Reopened another fraud investigation on the same charges 7. Received a letter on XX/XX/XXXX that indicated that the case was closed and it appears as though I was not responsible for the charges. 
8. Capital One continued to charge late fees 9. Capital One closed the card as a " charge off '' but indicated that I was still responsible for the current balance. 
10. Credit Score dropped by XXXX points. 
11. My bank XXXX XXXX card was closed by XXXX for possible charge offs on other accounts. I never had a balance with XXXX  and never used their card.
Consumer complaint received 2023-01-14
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: CLGF Holdco 1, LLC (WI)

I noticed an inquiry on my XXXX  XXXX  account I called the card company and told them I did not apply for their card well I ended up receiving their card anyway and a bill