davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have an account with XXXX XXXX XXXX XXXX.. On XX/XX/2021, I tried to withdraw {$300.00} cash from my XXXX checking account using a Bank of America ATM . I did not receive any money. I went home and reviewed my checking account balance and {$300.00} ( including a {$3.00} transaction fee ) was deducted for the disputed transaction. I immediately called my bank to dispute the transaction. 

XXXX responded the same day and said they were investigating the transaction and would provisionally credit me the disputed amount, which they did. 

On XX/XX/2021, XXXX informed me that their investigation found no error in the transaction. I called them that day and asked for a copy of the documentation they used to make their decision. 

XXXX sent me the documents on XX/XX/2021, which included a transaction report from BoA showing that the transaction was successful. 

I immediately called XXXX and asked for a copy of the video of my transaction as this would conclusively prove or disprove my claim. I was told that a dispute specialist would call me and I received that call today. The XXXX representative told me that unless there was an obvious problem with the transaction, he could not help me further and suggested that I contact BoA. 

I called BoA right away and was told that they would not help me since I am not a BoA account holder. After further discussion, I asked for a copy of the video of my transaction. She said that I needed a subpoena or my bank would have to request a copy. 

So, in order to see the video evidence, I would have to spend a lot of money on an attorney and take time off from work to attend hearings. 

I am attaching all the documents I received from XXXX on the matter.
Consumer complaint received 2023-06-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC. (PA)

They contacted me couple times a week for over a month now. They have been reaching out looking for a family member. I told them I dont know where she is. I have lost contact with her after she never showed up to my grandmothers funeral. Ive refused to speak to her or acknowledge her ever since. I told the company that multiple times and asked them to stop calling me. They are bringing up a trauma every time they call.
Consumer complaint received 2022-03-01
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. (NC)

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
Consumer complaint received 2018-12-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On XXXX XX/XX/2018, an unauthorized transfer of {$3700.00} from my joint checking account ( USAA ) to an unknown account ( later determined to be XXXX XXXX XXXX XXXX. I immediately notified my bank, USAA, that same morning, XXXX XXXX, of the fraudulent transfer. I also followed up in writing to USAA on XXXX XXXX, XXXX XXXX, and XXXX XX/XX/2018, and requested the funds be returned to my account and that they pursue the fraud investigation. USAA responded on XXXX XX/XX/2018 that their fraud investigation is complete and they determined no fraudulent activity. On XXXX XXXX, USAA responded that their decision was based on multiple USAA system security records. Apparently the fraudulent wire transfer occurred due to fraudulent online access to my USAA checking account. USAA has failed to return the funds to my account as requested and they have failed to adequately investigate this incident. 

On XXXX XX/XX/2018 I notified XXXX XXXX XXXX, by both mail and email, of the fraudulent transfer to their account. XXXX XXXX XXXX responded that I must first work with my bank, USAA, to contact them about the fraudulent activity.
Consumer complaint received 2023-06-27
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: TRUIST FINANCIAL CORPORATION (NC)

XXXX XXXX Client Resolution Senior Specialist no contact main phone number is forwarded to the XXXX, and they have been given non-working numbers to give to customers seeking credit disputes. 

I received a letter with my transaction history, Which it wasn't because I there were different between all 3 bureau SEE CFPB Case : XXXX and was told my information was reported as accurate and a charge-off, but I have not received a 1099C
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This information is not mine. I have sent letters and called to report this issue for over 4 months. I was informed that the information would be removed. It is still showing on my report. It does not belong to me. 

XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (TX)

Im unable to access my membership online and Im getting error messages and I would need a ticket to put in to fix the error on my Experian credit report account unable to see my credit score and dispute any items
Consumer complaint received 2020-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have tried to resolve this issue with the debt collector because this is not my account. I have been a victim of identity thief. I have asked that several times to investigate this item. The item listed below is the account that is not mines : XXXX XXXX {$140.00}
Consumer complaint received 2021-07-16
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: EQUIFAX, INC. (TN)

I have a complaint about this bureau. This bureau is incorrect data on their site and according to the government law, it is the bureau 's GRAVE Obligation to guarantee reasonableness, unbiasedness, and a regard for the consumer 's right to privacy. This bureau is additionally in infringement of federal law by announcing inaccurate accounts on their site without my authorization. I XXXX XXXX XXXX, rights of privacy have been violated and breached by this bureau which could be a direct violation of federal law.
Consumer complaint received 2018-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NC)

I opened my Wells Fargo Business Checking account on XXXX in a local branch ( in North Carolina ). When opening the account, I registered with a {$500.00} new account promotion ( using a personal promotion code : XXXX ). The promotion required a {$2000.00} deposit / balance in the account for 60 days and 5 debit card transactions. The {$2000.00} deposit was posted on XXXX and the debit card transactions were processed on XX/XX/10. It has been more than 60 days since completing all required bonus terms. I have contacted Wells Fargo online support multiple times and they have been unwilling to assist. I have contacted my local Wells Fargo branch multiple times to drive resolution - each time I have been told I will receive a call back but never do. I filled out a " Missing Incentive '' form with a phone agent on XX/XX/10 and still have not received my {$500.00} bonus. I find it very misleading that Wells Fargo dangles these promotions to small businesses and then does not follow through, no matter how hard you try to get them to fulfill their obligation. I am happy to share a copy of the bonus terms with the CFPB or Wells Fargo ( uploaded as an attachment to this case ).
Consumer complaint received 2023-03-10
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. (CA)

On XX/XX/2023 The Credit bureaus stated Account Name : XXXX XXXX  & Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX Account # XXXXAccount Name : XXXX XXXXXXXX Account # XXXX Account name : XXXX account number # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report as well i have dispute as fraud with police reports and nothing has been done now we have to go by the law i have a consumer law attorney as well under 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block I asked that you comply within the timeframe To refrain from a lawsuit
Consumer complaint received 2022-03-16
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: Experian Information Solutions Inc. (LA)

XXXX deleted the debt collector XXXX XXXX XXXX XXXX XXXX from my credit report because the company failed to respond in the 30 day time frame. They allowed XXXX XXXX XXXX XXXX XXXX to report and placed them back on my credit file which is a direct violation of the Consumer Fair Reporting Act. Since reporting back on my credit report, it is now showing that I opened this account 4 months ago, which is inaccurate.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Since approximately XXXX, I have been unable to access my weekly report on www.annualcreditreport.com. While I can receive my XXXX report on the site, I am directed to order my XXXX and XXXX reports over the phone or via mail, which is not how the weekly report service is supposed to function. 
This is making it very difficult to access my information. 

I am a victim of identity theft and recently had another incident where my banking information was compromised. It is crucial for me to have consistent access to my credit reports as promised. Being blocked for multiple weeks has heightened my anxiety, as I constantly worry about further breaches. This situation violates the Fair Credit Reporting Act ( FCRA ), especially since I have found numerous incorrect entries on my reports each time, I have accessed them.
Consumer complaint received 2023-08-17
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: DISCOVER BANK (CA)

This is my complaint about DISCOVER BANK. I accept that my data is being abused and detailed as wrong. In my credit report from XX/XX/2023, I discovered some slanderous things that I didn't know about. I found late installments which never occurred and accounts with mistaken data, like installment history, status, balances, and date of last action. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my composed directions.
Consumer complaint received 2020-08-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

A fraudulent charge on my husband 's credit card was written off by XXXX XXXX XXXX ( the bank flagged it as fraud ) but they trashed his credit for this fraudulent charge. We have tried every avenue possible to get this taken off his credit report for Equifax and XXXX XXXX but the credit bureaus point to XXXX XXXX, XXXX XXXX  points to the two credit agencies. It would take a single person 1 hour to remedy this situation but we opened a case with XXXX XXXX on XX/XX/2020 and a month later nothing is resolved. We are in the process of closing on a property where the lender will charge us additional fees of $ XXXX because of his credit score that has been trashed by this write-off. His credit is impeccable outside of this write-off as is mine. I have spent almost 20 hours working every possible avenue to fix this issue.
Consumer complaint received 2023-03-10
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 XXXX - XXXX XXXX XXXX  # XXXX XXXXXXXX - XXXX - XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX 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 2023-08-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Blockchain.com, Inc. (PA)

I generated a wallet ID and sent it over to my brother to transfer some XXXX. I never received money, even though the transaction was completed on my brother 's side. I reached out multiple times to the company and received no feedback.
Consumer complaint received 2018-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/XXXX I received an alert from the 3 Credit Bureaus advising that my Capital One Auto loan is 30 days past due. This is incorrect and I want it removed ASAP. Ive had my car since XX/XX/XXXX and never been late. This information thats being reported on my credit report is incorrect. Im very upset and frustrated because my score has dropped tremendously from this incorrect information. I contact Capital One Auto on XX/XX/XXXX and a representative stated that she would dispute it. I have documentation that my car payment has never been 30 days past due and my account doesnt show that Ive ever been 30 days past due.
Consumer complaint received 2020-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: REGIONS FINANCIAL CORPORATION (TN)

I have contact Regions Mortgage and bank several times as well as the creditors and ask them to report my payments for the mortgage. The mortgage company is saying they are reporting it and the credit company is saying they dont have it. I have try to resolved this for several months. It effect my scores and limit me the best rates for refi.
Consumer complaint received 2019-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On or about XX/XX/2018, there were two unauthorized transactions made with my ATM. The first one around XXXX XXXX., in the amount of {$170.00}. The second transaction was done at around XXXX XXXX. in the amount of {$60.00} and an additional charge of {$2.00} for using a non-Chase Bank ATM. When both of these transactions were made I was asleep at home, ( XXXX, CA ). These transaction were made in the XXXX XXXX  XXXX XXXX, CA and XXXX XXXX, CA which is about 90 miles away from my home in XXXX, CA. 

On XX/XX/2018, I checked my account on my cell phone and noticed there was money missing on my account. I immediately contacted Chase and brought the situation to their attention. The representative issue a reimbursement/credit of {$170.00} and {$60.00} to my account. The {$2.00} for using a non-Chase ATM was not reimbursed. I was under the impression that everything was taken care of and I had nothing to worry about. The bank canceled my ATM card due to suspicious account activity and sent me a new ATM card without me requesting a new ATM card. 

However, on XX/XX/2018, Chase Bank canceled the reimbursement/credit of {$170.00} and {$60.00} made by to my account. I then contacted Chase and I was told that there was nothing the bank can do about this situation, because the withdrawals were made using my PIN number. I contacted Chase bank a third time and spoke with a " supervisor '' and was told the same thing, that they can not reimburse/credit my account. I asked the " supervisor '' if it there was a possibility of obtaining video footage when these transactions were made. I was told that they could not do that.
Consumer complaint received 2019-09-12
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: Resurgent Capital Services L.P. (TX)

I do not have a signed contract nor any contract with LVNV Funding LLC. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX XXXX XXXX XXXX. I am not responsible for this debt with LVNV Funding LLC.
Consumer complaint received 2020-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (NY)

I purchased something on my debit card totaling {$850.00} XXXX XXXX XXXX XXXX on are about XX/XX/20. The merchant failed to deliver the goods or the service. I contacted pnc on XXXX to dispute the transaction. They have failed to act or do anything to resolve this issue. 

The case number PNC provided is XXXX
Consumer complaint received 2019-09-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Capio Partners, LLC (CO)

In XX/XX/XXXX Capio XXXX Flagged my credit profile and added a collection account. Not even 30 days later on XX/XX/XXXX Capio XXXX again flagged my account trying to reage it and make it seem as if it is a new account showing up. They did this in less than 30 days. ( Please see attachments ). This was after the initial account they had on my credit file was deleted, so the transferred it to another department ( stated on a recorded line ) Under Colorado law. Medical Bills are legally only collectible for six years. On a recorded line the representative said this debt was from XX/XX/XXXX. I asked him why didnt I receive a letter or anything saying I owed the debt and he said that the letter was sent to an old address ( stated on a recorded line ). So that means you knew the info was sent to an incorrect address but you still took it upon yourself to break the law and put this information in my credit file then try to reage it.
Consumer complaint received 2022-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (AZ)

On XXXX, I did an instant transfer from XXXX to my Ally Bank account. After several minutes, my funds were still not available in my Ally Bank account. I called Ally Bank and they said that they were having problems with their system and that deposits made after XXXX EST would not be available until XXXX EST the next business day. This is completely unacceptable. I never received any notice that there was an issue. This is false advertising and unfair to their customers to hold their money and not even notify them.
Consumer complaint received 2018-12-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC. (RI)

On XXXX XXXX, Ally sent me a notice that I ( as a non-spouse beneficiary ) was entitled to receive an inherited traditional IRA ( number XXXX ) b/c of the recent death of my XXXX ( XXXX XXXX XXXX XXXX. 

In its mailing, Ally stated that I could create an account for myself at Ally or that I could do so at another institution. But, when I elected to do so at another institution, Ally created endless hurdles of confusing forms and contradictory written and spoken instructions. Ally Bank is wearing me down with red-tape. 

The funds remain at Ally despite that fact that I filled out their form ( precisely obeying Ally instructions ) directing them to send the funds to my institution. I supplemented that with a hand-written letter. 

I have hard-copies of all documents. I do not have scanning capacity at the moment.