davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (FL)

TODAYS DATE:XXXX AARGON COLLECTION AGEN XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shal
l apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AARGON COLLECTION AGEN XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX  District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2019-07-31
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: BBVA FINANCIAL CORPORATION (CA)

This is simple. I opened both a checking and saving account on or about XX/XX/2019 with this firm. There was no place that said there would be a service charge monthly maintenance fee of {$15.00}. 

If this was clearly disclose, I would not have opened such an account. 

It really XXXX me off, they charged {$15.00} for a {$50.00} balance on this saving account ending in XXXX on XX/XX/2019. 

Therefor, I want this account closed as I transferred the remaining little balance to my checking account. Since I have SSA XXXX payments being made to BBVA and can't change that for several months, I had to wait to that ends then I want to close everything with this bank. 

It's totally internet based and being on XXXX it's outrageous they are charging me {$15.00} a month for XXXX service and fees. 

Again, if I knew of these, I would look elsewhere, which I have done.
Consumer complaint received 2022-03-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NC)

I have been using Amazon credit card, managed by Synchrony, for years now. Unlike other companies they dont issue paperless statement to other financial companies to be integrated with their system. In my case, I am using XXXX XXXX XXXX for banking and mostly I can received statements via my bank which make it much easier to manage. Synchrony pushes for paperless statement via email which I have signed up and forgot to follow up and missed the payment on several occasion in past two years hence I was charged late fee and interests. While this inconvenient but It was my responsibility. To avoid this I have tried to switch to paper ( mail ) statements twice since last fall. Assuming that I will receive it in the mail but I have not received for XXXX and XXXX and I was charged fees and interests. 
However, this got resolved when I was checking my finances lately very late night and after back and forth with robo chat someone answered my chats and promptly send me refunded the fees and few days after I received the paper statements only when I mentioned that I have no choice but to file an complaint with CFPB. 
However, in my case over few years this seems to intentional action to deceive customer, create extra hurdle and take advantage of the facts that most people don't closely monitor their Amazon account or bother to follow up. Especially follow up is very time consuming and I personally paid the fee instead of wasting about an hour to resolve it. 
This has the potential to be looked into in details and see what is the rationale that Synchrony does not issue seamless electronic statement with other banks and financial institutes? Why resolutions are much more cumbersome and time consuming that other large banks?
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is 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.
Consumer complaint received 2022-03-14
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)

In accordance with The Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2019-07-31
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: WELLS FARGO & COMPANY (IL)

I recently moved ( XX/XX/2019 ). Up to that time I had been making payments to Wells Fargo Dealer Services for my vehicle. I had switched jobs and had a lot of things happening. I went 30 days past due, no contact from Wells Fargo on payment due. They have my phone and email address but failed to contact me. I received a credit alert via credit monitoring and when contacting Wells Fargo I was told that they indeed failed to contact me. I proceeded to pay the entire balance and set up auto payment with them. Every other financial institution will reach out and contact you, Wells Fargo is more interested in destroying credit than customer service because they declined my XXXX dispute to fix this.
Consumer complaint received 2022-06-18
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Acct # 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 2022-03-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jacob Law Group, PLLC (MS)

I'm making this claim in reference to the abusive, deceptive, and unfair debt collection practices that I have encountered by Jacob Law Group , PLLC. Jacob Law Group , PLLC is clearly stating they are a debt collector, which is a violation under the Fair Debt Collection Practices Act 15 USC 1692f subsection 808. unfair practices. Jacob Law Group , PLLC has also violated me under 15 USC 1692b ( 2 ), stating that I owe a debt. I was violated under 15 USC 1692b ( 5 ), in which the envelope clearly displays language, not only was this a violation under federal law ; it's also a violation under the XXXX  XXXX XXXX Practices Act. The statement that I received from Jacob Law Group , PLLC reflects a positive amount. I have disputed all claims on XX/XX/2022 via certified mail with return receipt, Cease and Desist all future attempts in trying to collect on a positive balance. Further, more their claim is that this was an account with XXXX XXXX I contacted XXXX via certified mail with receipt requesting proof of claim and they sent me documentation that states ; XXXX automated underwriting system was unable to match my name, physical address, social security number and date of birth against independent third-party data. Jacob Law Group , PLLC has violated multiple law under the FDCPA, I'm truly loss for words. Jacob Law Group , PLLC willfully and knowingly there breaking the laws that Congress has set forth.
Consumer complaint received 2022-10-09
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

I received multiple emails and text messages claiming I was pre approved only to spend 10 minutes filling out information onlyfo to have credit card company run another credit inquiry and negatively affect it more each time. I'm being turned down for a lack of credit history how does someone get credit If he is 100 % of the time denied because I never borrowed from lenders? I make XXXX. Year and am debt free but someone who pays off one debt with another gets approved. What a XXXX system
Consumer complaint received 2022-10-09
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Bankruptcy Court # 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
Consumer complaint received 2022-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank (KY)

I obtained a credit card through a company named first progress. It was a secured card that I initially put XXXX of my own money on. I only made a few purchase totaling XXXX something odd dollars. I begin to read how people were having issues making payments and they would be charged late fees, so I decided to cancel my account within a month of having the card. After a few hours I managed to get a hold of someone from customer service and he basically said that I wouldnt owe anything since it was a secured card with my own money on it. This was back in XXXX of 2021.fast forward to XXXX of 2021 I begin to notice that I was getting late fees affecting my credit rating. Turns out they were still charging me late fees for a card that I canceled. Now there saying that Ive accumulated XXXX dollars worth of late fee and that I didnt cancel my account until XXXX of 2021. Which is a flat out lie. I need help please I dont have any one else to turn to. They also keep updating on my credit report as if Im still using the card.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion To whom it may concern, : I recently received a copy of my credit report and found that you are illegally reporting inaccurate information about me. The following alleged account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$650.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Compliant reporting standards. 

According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 

Please immediately remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion. 

Thank You
Consumer complaint received 2022-10-09
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)

In accordance with the fair credit reporting act XXXX  account # 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 XXXX. It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-14
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: CITIBANK, N.A. (NY)

I was notified on XX/XX/2021 that there had been fraudulent charges on my Citicard debit/mastercard. I immediately called and went over the 23 charges and was told that they would give me a provisional credit and would speak to the merchants to reverse the charges. I checked in with Citibank at the beginning of XXXX when I hadn't received any documentation by mail and was told that the complaint had never been processed and then went over the fraudulent charges with the representative and was told that I'd received documentation in 7-10 days. I did received the documentation but it didn't include two of the larger charges which were to charges to XXXX XXXX XXXX XXXX of which I'd never heard. I called again in XXXX and was told that those two charges were never submitted and that they would be submitted. The two original charges were both on XX/XX/2021. Both are XXXX XXXX XXXX XXXX. The amounts are {$230.00} and {$260.00}. They did initially give me credit and then started to send me letters saying that it had been too long since the fraud for me to be credited even though these were not my charges. I called in XXXX and asked that the cases be reopened and they credited and then reversed the credit again. I went into my branch on XXXX XXXX in XXXX, NY XXXX and they agreed this was ridiculous and helped me write a letter asking that this be investigated. I received duplicate letters asking me questions about my request as if it was a dispute of a purchase that I'd charged. I explained several times in several letters that this was a fraud claim and not a dispute about a purchase, but was never responded to. I am reaching out to you because I am so frustrated and can't believe that Citibank is holding me responsible for something that they didn't handled. Please advise, XXXX XXXX XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Mortgage account is current and all payments have been made within 30 days. 
Account status as ( incorrectly ) reported to all XXXX credit agencies is " delinquent '' and there are 4 months ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) which are incorrectly reported as over 30 days late. 
Payments on this account have never been more than 30 days late ( as demonstrated by attachment to this complaint. ) Status of account is reported incorrectly and previous months ' status is also reported incorrectly. I have filed a notice of error with my mortgage company and have initiated a credit dispute with all XXXX credit agencies.
Consumer complaint received 2022-12-04
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. (SC)

In accordance with the Fair Credit Reporting act 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 2022-03-14
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. (CA)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX  Account # 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 2021-04-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

My brother, father and I invested {$5000.00} in XXXX through a company called Coinbase in 1st week of XXXX in XXXX. We know this as that is when the Coinbase emails confirming our new account were sent to us. We do not know exact date as we can not access our account. We invested as a family and decided we would hold it for a long time. Roughly 6 months ago, I noticed XXXX was going up in value and decided to check the account balance on my Coinbase application. When I checked our account, the account showed a zero balance with no transaction history. The account did not even show where we transferred the {$5000.00} into Coinbase either. So, I submitted a case # to Coinbase immediately regarding our issue. My case number is XXXX. I have sent over 50 different emails in the last 6 months trying to access my account but Coinbase Support does not answer the phone and they keep sending me the same information over and over again via email and I am getting absolutely no where. I have pleaded with Coinbase Support to help me figure out where our hard earned {$5000.00} is and they still have not responded even after 6 months of time and over 50 emails. Also, I went on XXXX and there are thousands of people just like me that are experiencing the same issue with Coinbase and all within the same time frame too. My family and I are distraught, and with the virus and issues with the economy, we need this money badly. Even if we only get our original investment we would be happy even though it has to be worth over {$20000.00} at this point. Please please help my family and I get our money back. Thank you so much for your help.
Consumer complaint received 2019-07-31
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. (NV)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. I do not owe this debt nor the account. I am requesting a permanent block on the accounts asap XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is 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 2022-03-14
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. (CA)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  XXXX Account # 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 2019-05-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

First of all I was left a voice message this last friday by this numberXXXX-XXXXextXXXX so I did attempt to reach this individual 3 times leaving a message he said I needed to respond by XX/XX/2019 so on monday I attempted to call him again and on his voice mail it now states he would not be in the office until XX/XX/2019 I did leave a message asking him why he was saying I needed to respond by XX/XX/2019 when he clearly had stated on his voice message he would not be in untill XX/XX/2019 and would not have access to his messages once again Bank of America has many inconsistencies and as a customer this was a on going problem I told them you record your calls so go back and listen to what conversations your bankers have with consumers and management to and honor your word to consumers you cant tell customers one thing and do another I also had specifically asked bank of America to stop a buisness from debiting my account they had assured me that no worries because my account was on close status again they allowed it to happen im so upset with everything they have done to me and the way I was treated by them it has impacted me bad especially me not having my medication for over a week because of them and the way I was treated like I was never worthy of there time I sent them numorous emails complaining and they did not care when I made a statement saying you have a choice you can release my funds and a supervisor said to me yes we are choosing not to that is horrible and when they finally did I received a letter stating my credits were permanent and the case was closed so I was right the whole time and it was there banker who had told me to esculate my claim because of my health