davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (DE)

I had a wire transfer for XXXX deposited into my M & T Bank checking acct on XX/XX/XXXX which the automated system said it was avail for withdraw and my mobile app stated the avail was XXXX ( since I had XXXX already in the account ) for withdraw, payments, or transfer. I went to XXXX branches XXXX at XXXX XXXX XXXX XXXX XXXX DE And XXXX on XXXX XXXX XXXX XXXX XXXX DE, and was denied my withdraw of only XXXX XXXX  and was told had to wait a day. This should not have happened since the deposit was a wire transfer and the app said it was avail. XXXX be closing my account out once I set up my direct deposit elsewhere. I asked to speak to a manger and she advised I could not withdraw my money. XXXX done with this bank. This is unacceptable and other customers need to be aware.
Consumer complaint received 2024-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (FL)

Hello, I recently turned XXXX and I opened a current account because they have good savings interest rates. 

I tried to transfer my money in directly. Apparently the transaction did not go through and there were issues in the transfer, so it got marked as fraud and I got an e-mail asking for my drivers license, a selfie with my drivers license, and a bank statement from my original bank ( XXXX XXXX ). 

After checking that this was indeed the fraud e-mail for current, we had a back and forth, I didnt send everything correctly, and eventually I sent everything in ( I believe correctly ) by XX/XX/XXXX ( the process started XX/XX/XXXX ). 

I havent gotten a response since. I had already changed my direct deposit to the new current account, so there are {$140.00} from my part time job that I really want access to that I cant get access to. Ive chatted with current representatives several times asking for updates, and they always say that the fraud department is still working on it. 

The thing is, I havent received an e-mail from them since XX/XX/14, and Ive e-mailed them several times.
Consumer complaint received 2022-07-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AZ)

On XX/XX/XXXX my cellphone was stolen and someone was used my passcode to get into the phone. They proceeded to get into my banking apps and log in to my Paypal account. They purchased {$1000.00} of bitcoin through paypal, then they sent {$5000.00} to someone from my account. I called paypal as soon as I was aware that someone was using my account. At the time of the call the {$5000.00} dollar transaction was still being processed, so I told them that it was not me and someone had my device, and for them to freeze the account. They froze the account and open up a claim, the next day they sent an email saying that the claim was denied and they processed the {$5000.00} transaction and the {$1000.00} Bitcoin transaction. The person who got into my account also added a new email and a new phone number to the account and they tried to remove my number to restrict my access. 

They also sold bitcoin and I had a balance on my account which does not belong to me. 

Here are my claim numbers : Dispute ID : XXXX Transaction : XXXX Transaction Amount : {$1000.00} Dispute ID : XXXX Transaction : XXXX Transaction Amount : {$5000.00}
Consumer complaint received 2019-08-01
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 don't recognize this accounts, i never applied for it, i don't have any contract with this companies. I was victim of Identity Theft, somebody used my personal information and applied for cards and loans on my name.
Consumer complaint received 2021-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (FL)

Fay Servicing, sent me a letter stating that I was in default of not making payments but we have been making our payments on time and we have proof that the checks we mailed were cashed but we're still getting a notice stating that we're late and we are in Jeopardy of being in foreclosure. I'm trying to figure out how or we're late and if there's any way the company can send us a printout or something showing their investigation result. This situation needs to be fixed and I am not a happy customer.
Consumer complaint received 2018-07-04
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: PENTAGON FEDERAL CREDIT UNION (FL)

my card was lost and stolen me nor my authorized user ever been to XXXX where the card and hotel was used, we never been to XXXX XXXX since we have a XXXX and a XXXX   XXXX where we would never service XXXX cars they go to the dealers, this bank made lying slanderous remarks saying another family member used my card, there is no XXXX XXXX at this address i dont know a XXXX XXXX only people live in my house is XXXX XXXX , mom, XXXX XXXX , brother, XXXX XXXX sister and me that's it no one lives her she lied in her denial letter, THIS IS ILLEGAL she is clearly violating my rights under the FCBA she is saying this is a family or friend and i never MET or know anyone names XXXX XXXX , they clearly lied about the name to pretend it was me where XXXX XXXX and XXXX is not an XXXX   name also a police report was filed with XXXX pd and ic3.gov report XXXX pd number XXXX phone number XXXX, she clearly didn't investigate she then claimed the signatures match and THEY DON'T these are not our signatures.
Consumer complaint received 2015-06-28
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital One violated the FCRA 623 ( a ) Duty to Provide Accurate Information. Section 623 ( a ) prohibits furnishers from reporting information to a CRA if the furnisher " knows or has reasonable cause to believe that the information is inaccurate. Capital One violated the FCRA : Duty to Correct and Update Information. Capital One violated the FCRA : Duty to Provide Notice of Delinquency of Accounts. 
Capital One reported credit card account XXXX to credit bureaus after receiving written notices of disputes from me directly and disputes that I submitted to credit bureaus regarding this account. However, Capital One violations of the FCRA are denoted on my credit file for its reporting on said account without complete credit history which does not allow for the calculation of when the information will expire also Capital One continuously re-ages this account all in violations of the FCRA.
Consumer complaint received 2022-12-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (MI)

I declare 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 file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 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 2024-03-08
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. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX SS # XXXX XXXX XXXX XXXX Greetings to whom it may concern, Inquiries removal : Please see all highlight activity which is considered to be unauthorized by myself.

Please take a look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. I am sending a copy of inquiries accounts on my credit report and inaccurate information on my account. This information is not mines and need to be addressed. Please correct information concerning all these inquiries. ( Please see attached ) I am asking for a full investigation. Please fix this report effective and immediately. Also I am disputing the credit inquiries that are not mines and needs to be removed.

Please send me written confirmation, also include proof that youve complied with section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act to the XXXXXXXX XXXX XXXX 
Thank you for your cooperation. If you have any questions concerning this matter I can be reached at phone number above. 

Thanks in Advance Please see all inquiries that was not authorized by me. 
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 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
Consumer complaint received 2022-03-22
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. (NJ)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2019-10-18
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. (TX)

The credit bureau is showing a fraudulent account on my credit report from XXXX XXXX XXXX on my credit report for {$560.00}. I have contacted XXXX XXXX several times regarding this. Just recently, I sent an identity theft fraud letter to them along with a copy of Identity Theft Report that I have included in this complaint. I can not seem to get no where with about this matter. I have placed fraud alerts on all 3 of credit bureaus as well. I would like the credit bureau to please take care of this issue as I'm having such a hard time getting this removed off my credit reports. Please investigate.
Consumer complaint received 2021-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

their strange security non sense, blocks every payment also for a {$1.00} or a few dollers the forst time their security non sense system blocked the card usage when i tried to make a purchase of less than {$10.00} they then answered by email and confirmed the removal of the account blockbut once again when i tried to pay a service for less than {$10.00} aso using a virtual credit card for internet purchases and not the primary one, they blocked the transaction again eevery time they ask to call their phone number, but again we are not a call center and we are the customers here currently i can not use the card because their security non sense has blocked tagain he transactions when i tried to make a purchase of less than {$10.00} using the one time virtual credit card linked to the primary cardc
Consumer complaint received 2019-10-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (NY)

In XXXX of 2018, my TD Bank credit card was used to purchase over {$2000.00} worth of clothing and memorabilia. I contacted the bank to notify them of the fraud. After an investigation, they determined it was not. I asked what further steps I could take in order to get it resolved, an associate told me I would be sent some kind of merchant paper which I would have to sign and send back stating it was not me that made the purchase. I never received the form and through many calls, I was told it was sent out. I confirmed the address and everything else, the bank still did not help me resolve this issue. I asked for the investigation to be reopened, the bank did not do so. After checking online, ( XXXX XXXX XXXXXXXX ) I found that a person can only be liable for up to {$50.00} for fraudulent activity on their account. I notified the bank once again and was put on hold for hours without a response. Countless times, I have been bothered by the bank or their debt collectors but no one seems to care about the fraud that occurred on my account, they only care about the payment. I shouldn't have to pay when a bank is not able to keep my account secure. Especially when I have tried to resolve the issue so many times, I am being bothered and told that I need to pay or it will be given to the next department.
Consumer complaint received 2019-10-18
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

i tried to sign up for a credit card on the XXXX of XXXX and they did a hard inquiry on the XXXX as well. 
and some factual data ones i dont reconize at all on XX/XX/XXXX and XX/XX/XXXX that i didnt do as well ill send a screen shot of the ones in question that was done
Consumer complaint received 2019-08-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MI)

In XXXX I asked how much in late fees I owed and on XX/XX/XXXX I got a letter saying I only had {$12.00} in late fees on my student loans. I wrote a check dated XX/XX/XXXX for the {$12.00} and I specifically stated I wanted the money to go for the late fee. I even wrote on the front of the statement that I wanted it to go towards the late fee. On XXXX, XXXX I looked at my account and they had charged me the late fee and didn't apply the {$12.00} towards the late fee as I asked. Furthermore, I emailed them to ask why they didn't apply it to the late fee and they ignored me. I have a duplicate of the check I wrote included in this.
Consumer complaint received 2022-12-16
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. (HI)

Upon reviewing my updates, the incorrect information ( inaccuracies ) was still found on my reports, which I believed has been taken care of due to the multiple written appeals I sent as well as phone calls made to Experian. I often get dropped calls. No response was ever received from them to date. Thus, their action has violated the Privacy Act of 1974 and the Fair Credit Reporting Act as follows According to Internal Revenue Services a charge of is a cancellation of debt, certificate of indebtedness, and is reported as income. Income is not to be reported on credit reports but should be reported to the Internal Revenue Services.

16 USC 313.1, 16 CFR 31 After having opted out, my information has continued to be shared and posted on my report by these reporting agencies 15 USC 1681a ( d ) ( 2 ) ( i ) does NOT include any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 6802b, as I have informed the credit reporting agencies Experian, XXXX AND XXXX that I have opted out with various companies to NOT share my information. 

15 U.S.C 1681 can not report inaccuracies and also states a consumer reporting agency can not furnish an account without a written instruction.

15 USC 1681b in accordance with the written instructions of the consumer, which has been provided to each financial institution and reporting agency 15 USC 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. 

The Privacy Act of 1974, 5 USC 552a, my privacy has been violated.

15 USC 1681s, 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. the information is, in fact, inaccurate. 

The following items listed below are still reporting on my Credit Reports and need to delete and or updated immediately and indefinitely as follows
Consumer complaint received 2022-03-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX ) and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (GA)

WELLS FARGO Account XXXX 15usc 6801 Protection of Non- Public Information Wells Fargo has violated my rights and failed to protect my information by sharing my personal information with 3rd parties without my consent. 

15usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received. 
1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party 2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party 3. The financial institution giving me an explanation how to exercise the non-disclosure options 15usc 6802 Disclosure of Institution Practice Policy Wells Fargo did not clearly and conspicuously provide the disclosure forms.
Consumer complaint received 2016-01-31
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: American Credit Acceptance, LLC (NE)

Company is using unfair collection practices to obtain payment for a debt. 
Company calls multiple times a day and will not leave a voicemail. Any attempt to leave a voicemail is generally dead air. 
I informed company on two occasions, verbally XXXX XXXX, 2016, and via e-mail on XXXX XXXX, 2016, to only call MY PHONE ( therefore, removing my wife 's number and all other numbers associated with the loan with the exception of my cell phone ), provided the phone number and told them to leave a message. I would need to receive a voicemail in order to return a phone call. 
As of today, my wife continues to receive phone calls with no voicemails to either her phone or my phone.
Consumer complaint received 2022-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been a victim of identity theft and a number of fraudulent accounts were opened in my name. I have contacted the companies involved and they are still showing on my report and this is hurting my chances getting a mortgage. I need these unauthorized accounts removed
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (PA)

Citi Card is denying my application stating that I have held a previous account with this company. I never been a customer with this credit company. Years ago there was a fraudulent credit established in my name. I sent in all documentation proving that I'm a victim of identity theft. The account was removed from my credit report. Citi is still denying my application. At this time I feel like I'm blacklisted or being profiled.
Consumer complaint received 2022-07-06
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: Early Warning Services, LLC (MD)

I received a copy of my consumer report and found the following item ( s ) to be in error : I have never even owned a XXXX XXXX XXXX account '' and I currently am a member of XXXX XXXX not sure why this is showing negatively on here Contributor : XXXX XXXX Contribution Ref # : XXXX Account # : XXXX Bank Routing # : XXXX Incident Date : XX/XX/XXXX Principal Loss : {$100.00} Paid/UnPaid/Settled : Paid Contribution Reason : Account Abuse Bank Routing # : XXXX Account # : XXXX Return Transactions Bank Name : XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed-Purged Previous Account Status : Closed Date of Last Status Change : XX/XX/XXXX Bank Name : XXXX XXXX XXXXXXXX XXXX  Bank Routing XXXX XXXX XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Savings Closed For Cause Bank Name : XXXX XXXXXXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Savings Closed-Purged Previous Account Status : Savings Closed Date of Last Status Change : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account XXXX XXXX XXXX Open Date : XX/XX/XXXX Current Account Status : Savings Post No Debits Bank Name : XXXXXXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Closed-Purged Previous Account Status : Closed Date of Last Status Change : XX/XX/XXXX
Consumer complaint received 2019-10-18
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

two FRAUD ACCOUNTS listed on my credit report ( USAA - XXXX ) of which was removed and previously included in the FTC Fraud Report # XXXX ) and a Police Report provided to credit bureaus. It appears since the account is back on my credit report that the credit bureau through some means validated a fraudulent account. 

" I was told that I should have known about the account. '' An agent at XXXX  laughed at me and said " people have been abusing fraud complaints '' and did not take my complaint serious. I have submitted the items multiple times.